Buying a home is the biggest financial investment most of us will ever make.
As with any large project or goal, it requires dealing with a variety of complex issues.
The best approach is to divide the process into manageable tasks.
If you cannot afford a conventional mortgage, there are a variety of alternatives. An anxious seller will sometimes offer temporary owner financing
Federal Housing Administration (FHA) loans offer down payments as low as 3%, but may require the buyer to purchase mortgage insurance. (The FHA is a government agency responsible for insuring affordable housing mortgages.)
The Veterans Administration (VA) offers no-money-down mortgages to qualified veterans of the U.S. military. Finally, there are local affordable housing advocates that offer low-cost, low down-payment loan alternatives.
For further information, contact the FHA, VA, Fannie Mae, or your local mortgage lender or real estate broker and if you would like to make a 1% commission off of any loans that you bring to the table, then you should check out this new funding program which was just launched.
Sunday, August 31, 2008
Thursday, August 28, 2008
Is Today the Financial Turning Point in Your Life?
Right now - this very minute - an incredible, ultra-lucrative opportunity lies in wait for YOU, and I'd like to show you how to seize it.
Can you afford to risk this opportunity passing you by? I guarantee this is unlike anything you've EVER seen.
Check out everything for yourself by going here right now and watching the short video.
Larry Potter
wallmann33@msn.com
847-872-4047
Wednesday, August 27, 2008
Could You Make a Few Thousand Dollars Online in Just a Few Days?
One person, John Alexander discovered an Internet "golden door" that helped me make thousands online for just an hour or two of work. The money showed up in my account days later.
Here's the thing though. This isn't some one-off fluke. It's entirely repeatable. Sometimes more, sometimes less money comes in. But one thing's for sure... there's no limit on how often you can copy this simple process.
In fact, this new program does exactly what it promises.
New Webinar Times for Home Seller Assist program with John Alexander
Tue Night: 8:00 EST Seller Call (sellers attend this call at www.webuyfastnow.com)
Tue Night: 9:30 EST Business Overview (learn how you make a 1% commission on any loan that funds at www.fastsellerloans.com)
Wed Night: 8:00 EST Seller Call (sellers attend this call at www.webuyfastnow.com)
Wed Night: 9:30 EST HSA Training Call & Q/A Session (Weekly training call in the member's area at www.fastsellerloans.com)
Here's the thing though. This isn't some one-off fluke. It's entirely repeatable. Sometimes more, sometimes less money comes in. But one thing's for sure... there's no limit on how often you can copy this simple process.
In fact, this new program does exactly what it promises.
New Webinar Times for Home Seller Assist program with John Alexander
Tue Night: 8:00 EST Seller Call (sellers attend this call at www.webuyfastnow.com)
Tue Night: 9:30 EST Business Overview (learn how you make a 1% commission on any loan that funds at www.fastsellerloans.com)
Wed Night: 8:00 EST Seller Call (sellers attend this call at www.webuyfastnow.com)
Wed Night: 9:30 EST HSA Training Call & Q/A Session (Weekly training call in the member's area at www.fastsellerloans.com)
Monday, August 25, 2008
New Webinar Times for Home Seller Assist program with John Alexander
Don't forget, we have a live presentation each Tues
and Wed followed by a Q&A session.
Tue Night: 8:00 CST Seller Call (www.webuyfastnow.com) attend this if you have a property to sell or buy
Tue Night: 9:30 CST Business Overview (www.fastsellerloans.com) attend this if you want to make a 1% on any loan that funds - my profits since June 23rd are just over $17,000
Wed Night: 8:00 CST Seller Call (www.webuyfastnow.com) attend this if you have a property to sell or buy
Wed Night: 9:30 CST HSA Training Call & Q/A Session (www.fastsellerloans.com)
using the info in our training, I have made over $17,000 since June 23rd
and Wed followed by a Q&A session.
Tue Night: 8:00 CST Seller Call (www.webuyfastnow.com) attend this if you have a property to sell or buy
Tue Night: 9:30 CST Business Overview (www.fastsellerloans.com) attend this if you want to make a 1% on any loan that funds - my profits since June 23rd are just over $17,000
Wed Night: 8:00 CST Seller Call (www.webuyfastnow.com) attend this if you have a property to sell or buy
Wed Night: 9:30 CST HSA Training Call & Q/A Session (www.fastsellerloans.com)
using the info in our training, I have made over $17,000 since June 23rd
Friday, August 22, 2008
Fostering Entrepreneurship in Children
Whether it's a "restaurant" fabricated from fruit crates, a perfume made from flower petals and water, a lemonade stand, or a skateboard importing business, I've learned a few things over the years about the benefits of fostering an entrepreneurial "can-do" spirit in children.
1. Share Your Enthusiasm to Make a Business Out of Things Your Children Already Love. It's easier to go with the flow than to push water uphill. I could have spent months trying to persuade my kids to start their own restaurant... but that just wasn't their passion. They were interested in skateboarding. So a business based on that was a great foundation upon which to grow a new business idea.
2. Plant Seeds and Let Them Grow. Kids are smart and can work a lot out for themselves. But they may need you to suggest a few "What if?" questions that allow them to see wider possibilities than the one they saw initially.
3. Help Your Children Prepare for Potential Challenges. I asked my boys questions that would prepare them for dealing with order cancellations, import duties, and taxes.
4. Ask Questions - but Let Them Work Out the Answers. This is the kids' project. You want them to feel a sense of achievement as a result of their entrepreneurial venture - not that you did the whole thing for them. You can help out where necessary. But remember, children are incredibly resourceful. They can figure out things for themselves... with a little nudge here and there from you. Let them know that you are always available to help them, but stand back and give them a chance to do as much as possible themselves. Yes, they will make mistakes - but, though disappointing, mistakes are some of the best teachers.
5. Involve Both Parents. This is important whether you are together or separated. Your spouse (or ex) can offer ideas, insights, and experience that your children can benefit from.
6. Recognize the Difference Between Ideas and Actions. This is a big concept for anyone - adults and children alike. You can come up with "great" ideas for projects or businesses. But until you put them into action, nothing happens. By getting a few projects going yourself, you can give your children the courage to try their own.
7. Persistence Pays. The twin of action is persistence - staying the course. And encouraging your children to dip their toes into entrepreneurship teaches them how to handle "failure" and not give up. In any undertaking, there will be unexpected setbacks. And entrepreneurship is the perfect way for your kids to learn how to cope with those setbacks and think their way through creative solutions.
8. Clear the Path. Your kids are never too young to learn about the Ready, Fire, Aim approach to achieve success in any endeavor. Too much planning and over-thinking is the enemy of action. Teach your children to get a project started - and then build upon what they discover.
9. Don't Make Money Goal #1. Not every project has to make a profit in order to have value. So don't discourage your kids if they aren't interested in making a buck. If, for example, your daughter wants to put on a free piano recital in your backyard and have attendees donate money to orphans in Africa, that is a wonderful goal. The point is to help your children become strong and happy, not to impose your own vision upon them. Because if your kids enjoy what they're doing, they'll be much more likely to achieve success.
The greatest gift my parents ever gave me was this single piece of career advice: "We don't care what you do as long as you're happy." This has inspired some interesting choices along the way. But I can honestly look back and say that although some of the choices I've made have been plain hard work, I've never had a dull, boring, or unhappy job in my life. And my sister and brother say the same thing.
For me, the main benefit in the time I've spent teaching my kids about entrepreneurship has been the fun we've had learning new things together. That, and discovering more about what my kids are passionate about. At the same time, I know I've been helping them learn some major life skills.
You may wish to explore the Home Seller Assist program created by John Alexander at www.fastsellerloans.com and if you need financing, explore www.webuyfastnow.com for a no bank qualifying loan.
1. Share Your Enthusiasm to Make a Business Out of Things Your Children Already Love. It's easier to go with the flow than to push water uphill. I could have spent months trying to persuade my kids to start their own restaurant... but that just wasn't their passion. They were interested in skateboarding. So a business based on that was a great foundation upon which to grow a new business idea.
2. Plant Seeds and Let Them Grow. Kids are smart and can work a lot out for themselves. But they may need you to suggest a few "What if?" questions that allow them to see wider possibilities than the one they saw initially.
3. Help Your Children Prepare for Potential Challenges. I asked my boys questions that would prepare them for dealing with order cancellations, import duties, and taxes.
4. Ask Questions - but Let Them Work Out the Answers. This is the kids' project. You want them to feel a sense of achievement as a result of their entrepreneurial venture - not that you did the whole thing for them. You can help out where necessary. But remember, children are incredibly resourceful. They can figure out things for themselves... with a little nudge here and there from you. Let them know that you are always available to help them, but stand back and give them a chance to do as much as possible themselves. Yes, they will make mistakes - but, though disappointing, mistakes are some of the best teachers.
5. Involve Both Parents. This is important whether you are together or separated. Your spouse (or ex) can offer ideas, insights, and experience that your children can benefit from.
6. Recognize the Difference Between Ideas and Actions. This is a big concept for anyone - adults and children alike. You can come up with "great" ideas for projects or businesses. But until you put them into action, nothing happens. By getting a few projects going yourself, you can give your children the courage to try their own.
7. Persistence Pays. The twin of action is persistence - staying the course. And encouraging your children to dip their toes into entrepreneurship teaches them how to handle "failure" and not give up. In any undertaking, there will be unexpected setbacks. And entrepreneurship is the perfect way for your kids to learn how to cope with those setbacks and think their way through creative solutions.
8. Clear the Path. Your kids are never too young to learn about the Ready, Fire, Aim approach to achieve success in any endeavor. Too much planning and over-thinking is the enemy of action. Teach your children to get a project started - and then build upon what they discover.
9. Don't Make Money Goal #1. Not every project has to make a profit in order to have value. So don't discourage your kids if they aren't interested in making a buck. If, for example, your daughter wants to put on a free piano recital in your backyard and have attendees donate money to orphans in Africa, that is a wonderful goal. The point is to help your children become strong and happy, not to impose your own vision upon them. Because if your kids enjoy what they're doing, they'll be much more likely to achieve success.
The greatest gift my parents ever gave me was this single piece of career advice: "We don't care what you do as long as you're happy." This has inspired some interesting choices along the way. But I can honestly look back and say that although some of the choices I've made have been plain hard work, I've never had a dull, boring, or unhappy job in my life. And my sister and brother say the same thing.
For me, the main benefit in the time I've spent teaching my kids about entrepreneurship has been the fun we've had learning new things together. That, and discovering more about what my kids are passionate about. At the same time, I know I've been helping them learn some major life skills.
You may wish to explore the Home Seller Assist program created by John Alexander at www.fastsellerloans.com and if you need financing, explore www.webuyfastnow.com for a no bank qualifying loan.
Tuesday, August 19, 2008
Crunching the Numbers and Doing Rigorous Due Diligence
Before you buy an investment property, you have to know the answers to all of the following questions...
How strong is the rental market? Okay, you just saw a couple of two-bedroom apartments in the area rent for $750. But you're looking to buy a 20-unit building with all two-bedroom apartments. Is there enough demand? Can you rent them all out at $750?
Will the property cash flow at market rent? Will it cash flow at a 15 percent to 20 percent discount to market rent (in case the market softens or you have to lower your rents to remain competitive)?
Are you fixing your interest rates? By doing so, you don't become hostage to another economic factor over which you have no control.
Are you buying at a discount to the average $/square foot for that type of property in that area? When you buy at a discount to start, you have that much greater a margin of safety going forward.
Have you thoroughly investigated what your operating costs will be? Don't take the seller's numbers at face value. They often understate costs - especially real estate taxes. (Your taxes may rise significantly if you're paying a lot more than what he paid years ago.) The key point is: You must know your costs well in order to have a reliable idea of what your net operating income and cash flow will be.
Have you considered deferred maintenance and any major expenditures that will be yours in the next few years? From a new roof to repaving a parking lot, significant expenditures of this sort can eat up cash flow and even cause a property that is not sufficiently capitalized to go into the red.
Do you have honest and competent management set up for the property? Properties that look good on paper can quickly turn bad when you have poor management.
Are you buying near or below replacement cost? This is especially important in a bear market.
These are all factors over which you have significant control. And when you get good at doing this kind of due diligence, you can scoop up bargains in a bear market - without caring that you may not be buying at the absolute bottom.
Tune into the live presentation of the Home Seller Assist by John Alexander each Tues and Wed at www.fastsellerloans.com followed by a Q&A session.
Sunday, August 17, 2008
Earn a 1% commission for recommending the Home Seller Assist financing
Recommending our product as is another great way to get started online quickly and easily.
You promote the Home Seller Assisit program created by John Alexander on your website like www.webuyfastnow.com and for every buyer you refer to the company's site, you get paid a 1% commission on any loan that funds and they loan from $50,000 - $300,000 with no Bank Qualifying
And the BEST part is that it only takes SECONDS to set up a relationship, and start earning BIG commissions! Just go to
www.fastsellerloans.com
and register.
Other reasons to consider starting it?
It runs itself -- Once you've completed the setup, you can automate the entire process, so you can earn commissions day and night, year round!
You can earn MULTIPLE commissions -- Because there's no customer service or payment processing required, you can get away with spending very little time working on the site.
Of course the more traffic you send, the more money you make, so you do need a site that gets lots of visitors and we provide tips and updates at
http://homesellerassist.blogspot.com
click on the Orange square to make sure you them as they are posted.
No Bank Qualifying - All Buyers Welcome - Investors Too
Did you know that most potential home buyers and investors who have been turned down for a credit card, think that they cannot qualify for a home loan? We get many of those buyers qualified quickly when You or Real Estate Agents use our Home Seller Assist Program to make the purchase. Loan officers can also use our funding.
The program gives the home seller all of his CASH at the closing plus the seller receives the complete down payment and the first month's payment paid by the purchaser at the closing.
You will no longer have to jump thru all of the hoops since there is no bank qualifying.
You then simply use the furnished credit application, sales contract, all of the government required disclosures and other paperwork that we supply for you at no charge; or you can use your own forms, your Realtor Association forms, or your lawyer supplied forms. Visit www.webuyfastnow.com and look at the links on the left side.
And if you happen to be selling the property either as an home owner or agent, you can make a 1% commission when the loan funds or on any other loan you bring in. More details can be found at www.fastsellerloans.com
To stay current with the most recent updates, visit http://homesellerassist.blogspot.com and click on the Orange square.
The program gives the home seller all of his CASH at the closing plus the seller receives the complete down payment and the first month's payment paid by the purchaser at the closing.
You will no longer have to jump thru all of the hoops since there is no bank qualifying.
You then simply use the furnished credit application, sales contract, all of the government required disclosures and other paperwork that we supply for you at no charge; or you can use your own forms, your Realtor Association forms, or your lawyer supplied forms. Visit www.webuyfastnow.com and look at the links on the left side.
And if you happen to be selling the property either as an home owner or agent, you can make a 1% commission when the loan funds or on any other loan you bring in. More details can be found at www.fastsellerloans.com
To stay current with the most recent updates, visit http://homesellerassist.blogspot.com and click on the Orange square.
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