Fed Up With Failed New Year’s Resolution?

Tired of making New Year's resolutions and giving up on them?

Resolutions themselves aren't the problem.

Your method of attaining them is.

Perhaps you want to lose weight or start working the Home Seller Assist program created by John Alexander. Simply saying you want to lose weight in 2009 isn't going to help.

You need a specific plan along with a specific number of pounds in mind that you want to lose.

Or what about making more money in 2009? Just wishing for them isn't going to bring those riches your way.

Exactly how much money do you want to make in 2009? What are you going to do every day in 2009 to make more money?

If you seriously want to succeed in your New Year's resolutions, then you must change the way you tackle them.

Success in every area of your life is possible if you follow a few easy steps.

Click here to learn how you can successfully complete your 2009 New Year's resolution to work the We Provide The Cash business and succeed at it.

"Why Should I Trust You?"‏

Just yesterday while I was checking my emails I got asked "Why should I trust you?" And then a few minutes later I got a message from a person so hungry for a change that they were willing to put their house on the line to join the Home Seller Assist program created by John Alexander and also known as We Provide The Cash. Then, not a minute later, I got a message from someone who was at a time on my team,but decided to give up a little too soon, only to tell me about the great new business they want me to look at that launches next month. Yet here I am, in the same business, doing the same things, getting the same results.

If that doesn't sum up the home business industry then I don't know what does. At first glance these happenings appear totally unrelated, but there is a secret hidden behind them that if understood . . .

The ONE pink elephant in the room of the home business industry that no one ever talks about is that no one trusts anyone. For the most part, most would be home business entrepreneurs have "tried" so many businesses that they're in a total state of confusion. They feel slighted, they feel used, yet at the same time they feel desperate to succeed. Stop and think about it for a second.

That's a lot going on in a person's head. A ton of conflict, a lack of focus, lots of fear, and mental paralysis. It's not that much different than a sweet little puppy would act if you kept being nice to him, fed him, and then immediately scolded him for no good reason. After a period of time the poor guy doesn't know what to think of you. (That's kinda how your prospects look at you) What happens to network marketers over and over again (at least in terms of their perception)?

Someone says "Hey buddy, we got the best bizon the planet. Join us and we'll take care of you." The would be entrepreneur says to himself: "That guy seems nice, he's got a great product, he seems to have it all figured out,and you sure can make a lot in the business.I think I'll give it shot." The entrepreneur jumps in, is told to call leads then immediately feels the constant cold sting of rejection (like our puppy friend getting scolded)

Then our entreprenuer friend is told to go to all the company gatherings where everyone's so happy, excited, and nice. Back home again, our friend hits the phones for more rejection while his pocket's bleed of cash with no praise and no profits. Eventually he gives up. What happens next?

Another guy in another opportunity of the same nice character presents him with another great opportunity. Our entrepreneur jumps in,a few months later the same exact fate befalls him.

Eventually our would be entrepreneur, get's hardened, disillusioned and trusts no one. For the most, that's what we go through,until something changes. (What?) Keep reading . . .

Remember I told you about the three different messages I got yesterday? Can you spot the stages each person is in? I can. I can't fault the guy that doesn't trust me for not trusting me. He's probably been burned so many times all he knows is fear and anger spawned from past experiences, but still the question remains . . . Why would he be reading my emails and responding that way? He had to proactively opt in, become a subscriber, read a few issues, and then start to complain. (Hmmm . . .)

Why did the person who was once on my team tell me about her new great opportunity? Why was the third person dying so bad to be apart of my team?

Understand this . . . No matter how many times a person's been burned, no matter how many times a person comes to you with a new opportunity for you to look at, no matter how many people are willing to mortgage their house to join in business with you . . .

On thing remains true. The desire for more. The fire that was originally ignited never goes out. Once a wealth seeker always a wealth seeker. What changes a wealth seeker to a wealth getter?

Instead of looking outwards for the answer.You start to look inside and ask questions. Then simple focus and discipline to see through the answers you find inside. But to be pragmatic about it. You do the opposite of what isn't working now. If you've been in more than a few businesses, then maybe committing to one biz for the next five years may be your answer.

If you've always followed the advice of your sponsor as doctrine, then maybe NOT doing that anymore is the answer. If you've been buying and calling leads and it's not working, then just maybe NOT calling leads and instead giving the Home Seller Assist program and John Alexander is the answer.

It was for me!

Larry Potter

847-872-4047

http://www.myspace.com/homebusinessnow

Proof of Funds Letters!

Proof of Funds Letters!

As a Platinum Member of HSA, you are entitled to
use our Investor’s Private Funds.

Cost to use the funds is 1% plus $300

The fee is paid out of closing!

Which means Nothing is paid uprfront and there are No CREDIT checks!

Now as you may already know, Banks won’t consider your offer on
Short Sales or REO’s without a “Proof of Funds” Letter.

This is the part that stops most investors dead in their tracks…until now.

Here’s a 2 minute video on how to obtain and print out as many of your Proof of Funds Letters as you need:

Click Here for 2 Minute Video!

If you are not a Platinum member yet, visit us at:

http://www.FUNDSFORSHORTSALES.COM

and find out how you can be flipping short sales and
REO homes using NO CREDIT AND NO CASH!

Make sure you sign up for the FREE 30 Day Trial!

It’s time to think big…really BIG!

Larry Potter
Home Seller Assist
847-872-4047

Promote Instant Access

Have you ever purchased a gift online, only to have it arrive three days after the holidays?

Talk about a disappointment, right?

And it's that fear of NOT receiving a gift on time that could stop a LOT of people from clicking the "buy" button on your site in the final days leading up to the holidays...

... unless you make it CLEAR that their purchases will arrive on time!

So if you use a major delivery service -- like UPS or Fedex -- make sure you clearly state that prominently on your site.

Your customers will feel MUCH more comfortable making a last-minute purchase if you can assure them that the gift will indeed arrive in time to wrap it up and put it under the tree.

And to save yourself a lot of post-holiday customer service headaches, make sure you also include a "cutoff date," after which you will no longer be able to guarantee holiday delivery.

That's why we offer Instant Access to everyone joining the Home Seller Assist program created by John Alexander.

People want to get started right away and we provide that, the same with our
We Provide The Cash program which was also started by John Alexander.

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Selling Real Estate by Owner

You most likely landed here because you desire to sell your home as a by owner seller. The success rates of by owner sellers of real estate vary greatly. You often hear that only a very small percentage of FSBO (For Sale By Owner) sellers succeed in selling their real estate.

Well that may be true to a point but it does not have to be the case. The fact is any FSBO seller can have success with the correct knowledge and a game plan. Therefore the seller who takes action and gathers knowledge will always get better results in any real estate market. You must also remember that it is just as difficult for real estate brokers in a slow market.

There are many action steps required to sell a home and here is a small list.

- Get a yard sign and put a phone number along with a website address on the sign.

- Set-up a free website and you can find many sources for this online.

- De-clutter and stage your home prior to taking photos.

- Print property information flyers with photos.

- Prepare to hold an open house

- Clean and maintain landscaping.

- Determine who your competition is in your area in order to determine the correct price.

- Consider a marketing budget for advertising locally.

- Contact an attorney to prepare your deed and review contracts.

- The key is to be prepared from beginning to end.


All For Sale By Owner sellers should understand that selling a home is a serious event and requires attention to detail. There is potential for a large savings on the commission typically paid to a real estate firm. Therefore the person deciding to sell by owner needs to treat this decision like a job.

Remember that the World Wide Web can provide an abundance of resources for any seller to use when selling a home. You can use any number of tools and resources but the more the better your chances are for that sale. Just remember there is no such thing as just placing a sign in the yard and getting the desired result. Selling a home by owner requires ACTION, ACTION, and more ACTION. Your actions will lead to exposure and exposure is what ultimately sells homes.

With 80-85 percent of all buyers and sellers starting their searches online. I expect to see a large number of folks looking to sell by owner in our slowing economy and the years ahead.

GOOD LUCK! To all by owner sellers...

Michael Ranger is currently Director of Operations for 24hourfsbo.com and Alliance Marketing Concepts, LLC. 24hourFSBO is a real estate marketing website that offers homeowners the information and tools need to sell their home by owner.Ranger has spent many years in the real estate industry as a very successful real estate broker. Ranger has received many awards and acknowledgments for his level of service and production. To get more information on selling your home quickly visit http://getfsboresults.blogspot.com/2008_11_01_archive.html

Article Source: http://EzineArticles.com/?expert=Michael_Ranger

Sell Your Home With Colours

The way in which we perceive colours can have an effect on our mood, what we like and what we do not like, and even what we buy. Many of the big box retailers have known and implemented this in their stores in order to entice people into increasing their purchases. Effective use of colours in your home can help to evoke emotions in buyers that hopefully will lead to your home being sold faster and for more money than if colours were not well used.

Blue

Using different shades of blue can make people feel calm and relaxed, aid in concentration. Certain shades of blue can also have an invigorating and refreshing influence. The best uses of blue in a home are generally in bathrooms or laundry rooms but bedrooms can also benefit form the use of blue.

Red

Red has always been the colour of passion and sexuality, so if that is what you are after this might be the choice for your bedroom. Generally speaking red should be used sparingly as it can have the opposite effect on people as the colour blue. So studies have shown that the colour red can increase blood pressure. Red can also increase people's appetite and promote conversation so a good use of red might be as an accent wall in the living room or dining room.

Yellow

Known as a happy colour and a sun colour, yellow can help to increase a person's metabolism. A great place for yellow might be the kitchen or bathroom and goes well with white. It may not be the best choice, however, for a nursery or bedroom as some suggest that babies cry and people argue more in yellow rooms.

Green

Green can calming and relaxing and even have a healing effect of people. It has also been suggested that green help to relieve anxiety and depression. Just do not go too dark as it can really close in a room. The most popular shades of green are sage, olive and lime.

Orange

Use this warm colour in your kitchen, bedroom or dining room to instill a sense of invigoration and well being. Orange is generally better used when properly balanced with white.

Black

Black is not usually a colour that is used often in people's homes since it can make a room appear small than it actually is if used improperly. But if used effectively, along with taupe and white accessories, black can add a element of elegance and sophistication to a room. Black as an upholstery means that you do not have to worry so much if that red wine stain does not fully come out.

Remember that when using colour in your home not to just think in terms of paint. While painting a room will give you the most dramatic effect you can bring colour into a room using accent pillows, potted plants, area rugs, furniture upholstery and through pictures and art. However you choose to add a bit of colour experiment and have fun with it.

Sterling Wong specializes in homes for sale in Missisauga as a sales representative for Re/Max Realty Specialists Inc.,Brokerage. Search the site for available properties or luxury real estate Mississauga resources and market information. Feel free to contact Sterling for all of your real estate needs.

Article Source: http://EzineArticles.com/?expert=Sterling_Wong

How To Succeed

I can go on all day long about how great the internet and having your own online business is, but there is one part of it that just flat out sucks big time. What? Not knowing if what you're doing is working.

Here's what I mean . . . You can go out and do pay per click marketing and be getting 100 clicks and 50 leads a day and still be depressed if you don't know those are kick butt results. Often times I'll have a person describe for me their situation, and they'll describe it as if something is wrong, but . . . When I hear the numbers they convey to me, they're actually right on track but don't even know it.

I go through this too. Sometime I'll try something new that there is no guide book to and get results but not know how to interpret them because I have nothing to compare them against. This is the part experience plays in your business. You could be doing everything right, right now, but think you're not just because no one ever told you were. It's hard to find a good coach who's been through all this prior, and that's why they don't come cheap (at least they never have for me.)

So when looking for a sponsor ask them direct and pointed questions before joining like"What are you doing in your marketing?" or"Can you give me some of your marketing statistics" and if they don't have a real answer for you or can't pull some up find someone else to work with. If you don't know what's working and neither do they that's what I call the definition of home business insanity.

If you don't have to go through this confusion - don't. Find a good sponsor that has the right information, can set the right expectations, and you'll be golden.

And when the tables are reversed and you're in the position of leadership make sure you do the same. You'll save a lot of people a ton of unneeded heartache and frustration and your business will flourish for it.

The 3 Essential Elements of Real Estate Postcards

In any business and profession, you will encounter lots of tips and different advices as to how you are going to nail luck and succeed with your marketing ventures. This also holds true in the real estate biz. You may have already heard about real estate postcards and what these can do to help you iron out the slump with your earnings.

You must not rely on advices and tips alone. You have to come up with your strategies in order to take control of the whole situation and gain advancement through your own ideas. But if you are new in the field, then there will be no harm in opting for such proven techniques. But you must make sure to choose the right ideas. You will also know these through research and asking the experts about their opinions.

There are three real estate postcards marketing basics that you must always bear in mind when venturing into this marketing strut. You must tweak each component according to your own campaigns, strategies and customers base. This way, success will be easier to attain.

1. Uniqueness. You must bear in mind that there are other companies that offer same services like you do. You have to make people notice you. You have to make them choose you over your competitors.

• Be mindful of the design of your cards. It will be a good investment to rely on a professional graphic artist who can carry out the kind of tools that will appeal to your targeted list. If you cannot afford such, your best bet is to rely on the services of the right printing company that offers free templates for this kind of stuff.

If you are going to use free and downloadable templates and design, make sure that your business essentials will be incorporated. You must be certain that your business logo, company name, tagline and pertinent contact information will be at the prominent areas of the material.

• Create a strong and convincing message. Make the message worthy of the medium and worthy to be looked by your target market.

2. Right offer. If you are going to spend on your advertising medium, make sure that you've got everything settled to make the medium work the way you want them to. You have to balance everything out. Compare the results of your marketing efforts through the years. Look what qualities and what kind of offers get better results. This way, you can have a basis as to how you should go about your offers and analyze if they are strong enough or still require some tweaking.

3. Consistency. You may have unburied all the secrets to effective design and marketing message. But all those are not going to make you last in the industry if you will not be consistent with your marketing ventures. And this goes for the quality as well. You have to make sure that you retain the excellence of your materials and offers.

So bear in mind these three the next time you avail the services of the right printing company for real estate postcards. Do it right and you will later on reap the rewards of all your hard work.

More real estate postcard can be found at My Postcard Printing

Article Source: http://EzineArticles.com/?expert=Carla_San_Gaspar

Start an E-mail Newsletter

E-mail newsletters are a cost-effective way of keeping your business at the top of your customer's mind.

While it takes time and care to produce content that is relevant and useful to your audience, the investment can pay handsomely.

And always be sure to include a call to action so potential customers will contact you while you're still fresh in their minds.

Attend the live Home Seller Assist webcast each Tues and Wed at

http://www.fastbuyerloans.com followed

by a Q&A session. With over 10,000 tuned in last week, you need to register NOW.

Keep trying if the server is busy.

How to Avoid the #1 Email Mistake

I'd say it's the #1 mistake most make when sending an email...

I'm talking about focusing inward on yourself instead of outward on your prospect or customer.

I was reminded of it as I drove by a local sub shop.

"Under New Ownership" read the huge sign covering most of the front of the store.

Well, isn't that special.

Nothing about a "Grand Opening 25% Discount."

Nothing about "Your meal in 3 minutes or less, guaranteed, or it's free."

Nothing about "Check out our new spotless open kitchen - the cleanest in town."

At the very best, "under new ownership" might be mildly appealing to the small group of customers who were somehow disappointed with the previous owner.

But is that really the Big Idea you want to send to the world?

I'm sure the new owners are excited about their new venture. But in their excitement, they need to address what that means for the customers they're trying to attract.

Just saying "Hey, here we are!" is not exactly going to blow the world away.

When writing a headline, remember... Read the copy and then imagine your prospective customer thinking "And for me, that means _____."

If the answer isn't a powerful benefit, then your copy is not doing its job.

More Home Seller Assist tips at http://homesellerassist.blogspot.com

Foreclosed Homes Turn Into "REO" Or "ORE," Which Are Bank Owned Properties

If you have a mortgage and failed to repay the monthly payment, you are in the risk of getting a foreclosure. The lender, mainly the banks will file for Notice of Default and there is nothing you can do once the foreclosure is finalized. However, there are many ways you can avoid and stop a foreclosure from happening. You can find out more about this online or get a professional point of view in this matter.

When a foreclosure happens, the lender such as the banks will take over the properties involved in the foreclosure and try to sell it off at the foreclosure auctions. A foreclosure auction is going to take place to auction off the properties to the public. Before the auction take place, you will be able to see many advertisements whether in the newspapers, billboards and even online banking portals. Some of the legal paper are good places to look. In the Twin Cities area, you would want to look at Finance And Commerce as well as the St Paul Legal ledger to find properties that may become bank owned properties.

However, most of the properties have no buyers as the price of purchasing the mortgage is much higher than the market price. Therefore people are not interested in the properties that are more expensive than the market price for similar properties. Why would you pay more for the same property? Unless of course, the banks are willing to reduce the price, and this is usually what happens. Since marketing a home for more than it's worth will give the bank no chance of unloading the property.

There is no way the banks can get people to buy the properties unless they make their property more attractive. In order to solicit an offer, banks often sell at slight discount to true market value-10-20% of a discount on such properties. Investors and the consumers do their homework. The internet and the data it provides is the great equalizer.

Real estate owned or "REO" (also referred to as "ORE" for owned real estate) describes one of the classifications for property owned by a lender. Normally the lender is a bank and the property becomes repossessed by the bank after an unsuccessful sale at a foreclosure auction. This is a normal process as most of the properties in the foreclosure sale are worth less than the amount supposedly owed to the bank.

Therefore people are unlikely to buy such properties and the properties end up in the bank's inventory. The minimum bid for the foreclosure properties is the same as the total amount of the outstanding mortgage amount. As such, most people are not interested at all at the properties until after the sheriff's sale- no matter how enticing or beautiful the property might be.

People are smart enough to check out the market value for the similar homes before they buy it to make sure that they are not on the losing side. However, some people might think that it might be profitable to buy a property that has been foreclosured. They might think that if they can get the property at the lowest price, they can sell it back at a higher price. While good in concept, it is unlikely to happen until the current inventory is absorbed and the market starts to march forward once again.

Recently we are seeing wholesale liquidation where numerous properties are disposed of at auction. So what happen when the foreclosure auction fails? The bank will try to sell the property on its own, meaning the bank will remove some of the liens and other expenses included before the property is up for sale in future auctions. The bank might offer the property directly to the public through a Realtor. This is possibly the best way for the banks to get the properties off their listing as the chances to get buyers would be higher and market conditions will dictate the final price.

Now, from a personal point of view, the truth about many of the properties that become REO's is that most of the REO properties are in bad condition and are poorly maintenanced. You might get a REO property that has a missing door, bad or missing piping and even with broken windows as well as other things you might not want to know about. People in distress will take out their anger at the house and the bank that lent them the money so they could buy the house. These are perfect opportunities for someone with time and some cash to do the repairs. The more repairs required, generally the larger the discount.

The types of "dirty dogs" are perfect for investors or real estate agents that can recognize the potential. Banks aren't in the fix up business. They want to remove the property from their books and move on. You might want to look at these opportunities if they are selling at a low enough price to compensate you for the bad condition of the properties.

A Multiple Listing Service (MLS) is a group of private databases that contain the listing of properties represented by a real estate broker who is representing the seller to share information about the properties with other real estate brokers who represent the potential buyers. The purpose of the MLS establishment is to allow efficient distribution of information. When a real estate agent is introduced to a potential home buyer the agent is able to search the MLS system and get the information about all the homes available for sale in an area. Recently, our Northstar MLS in the Twin Cities Minnesota has created a search field specifically for foreclosed homes. This will allow you pinpoint this type of property more easily.

Why do banks want to get a Realtor to help sell off the properties in the banks inventory? If the banks have too many properties in the inventory, it will do the banks no good to hold inventory of homes-especially in a declining valuation market. If the banks get an agent to help sell off the properties, at least the chances of getting people to buy the properties would be higher, since most buyers use a real estate agent. The banks want to get rid of the properties not keep them. Banks are in the money lending business, not the real estate investment business.

Banks want to get back the money supposedly the previous owner owed them but if they can get at least half of it, they might not mind. In some cases that is better than waiting six more months and now only recovering a third. As long as they can get the money and the property off their listing, the banks would not mind to sell the properties at a lower price compared to the original pricing of the properties. The banks are getting many properties today. Yet, not many people are able to buy them because of the tight mortgage market.

When the real estate agents get the properties as a listing, they will try their best to find potential buyers so they can sell off the properties. Agents are often the bearers of the bad news, bringing in a low priced offer. The main point is to get the properties out of the banks listing inventory, as there are so many more properties being filed into foreclosure everyday. More and more people are having the problems to repay the monthly repayment for the mortgages. Eventually, things will stabilize. But, until then, the buyers have the upper hand.

Now, if you are one of those who want to buy a foreclosure property, it is very important to make sure that you know everything about foreclosure properties, the fees involved when you want to purchase, any hidden cost, additional cost and the total amount you will be paying in the end to get the property. Is it worth paying such a big cost to get a foreclosure property? It sure could be. On the other hand remember the latin phrase "Caveat Emptor"-Buyer Beware. You will have to think about it before you decide whether you want to buy or not.

Article Source: http://EzineArticles.com/?expert=John_Mazzara

Success Is as Easy as Flipping

Suppose that there was an almost magical switch you could flip that would put all your dreams within reach.

And I'm talking ALL your dreams...

Adding a few thousand bucks to your paycheck each week. (And who doesn't want a little extra cash?)

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Ads Are Used for More than Advertising

Pay-per-click (PPC) ads are a cheap, easy, and effective way to advertise your business online. You can set up a Google AdWords account and have a campaign up and running in 15 minutes.

These three-line ads (which appear at the top and to the right of Google's search results) can also be used to "market test" the effectiveness of almost anything.

Products, product names, prices, copy, websites, offers - all can be tested with PPC.

For example, you can test two different headlines for a promotion for an upcoming conference. You just insert each in a separate PPC ad. The ads will appear when users type in the appropriate keyword in Google. (In this example, it could be "Home Seller Assist.") The headline that is clicked the most is the "winner."

You've let the market decide which headline you will use when you roll out the promotion. And you can make a reasonable assumption that it will attract the most buyers.

As I said, PPC can be used to test almost anything. Let the market decide which title to use.

The Truly Wealthy “Fish” in a Different “Lake”

These days, it seems everyone is out to make a quick buck. But they are all fishing in the same pond, so to speak. The real money is in a nearby lake... actually, more like an ocean of profits that almost no one knows about.

Take a walk with me and let me show how you can follow a few simple steps and lure more profits to you on a consistent basis than anything I've ever seen.

You've heard the old saying, "Give a man a fish, feed him for a day... Teach him how to fish, feed him for a lifetime." Well, friend, this is that lifetime of profits available to you. Up to you how long you want to "fish" there. Personally, I'll be there a long while... If you want to join me, click here... and learn how fast you can start making money.

Do You Need to Start Out Small ?

Do You Need to Start Out Small ?

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Consistency Is The Name Of The Game‏

What is network marketing if it isn'tconsistency in purpose?

The name of the game is, know what you stand for - stand for it - and act in accordance with it in everything that you do from today until you meet your objective.

The problem is when you're on the phone all the time getting fed negativity and rejection all the time even the strongest willed person will have moments of doubt.

But if you can pay yourself along the way to validate what you are doing is the right thing and you can continue that process until you meet your goals . . .

Then you're on the path to great success. Always be consistent in your actions, but make sure the things you stand for are things that you can stand for 10 years from now and you will make moolah along the way and then you have a winning formula that just can't fail.

Current real estate market..

... and credit market trends have made Home Seller Assist the perfect home based business and you only need two things:

1. You need information about this opportunity

2. You need to take ACTION on that information


What makes us Unique is that we loan money in a time when nobody else either can or will!

What makes us Special is that we partner with our customers to create an ongoing income stream all.


» We show sellers how to offer seller financing to get more buyers, close fast and still get paid CASH at closing.

» We show buyers how to purchase properties with less than traditional credit scores, easy terms and no hassle financing.

» We show real estate professionals and investors how to close more deals.


♦ Learn how to flip short sales using our private investor's funds.

♦ Learn how to enjoy Joint Venture Profits using no credit on your part

♦ Learn how to earn money for sharing this opportunity with others.

http://www.fastbuyerloans.com



Complete Video Training Library.

http://www.fastbuyerloans.com

How to Get Your Investment Down Payment

Real estate has always been the fastest and safest investment vehicle to acquire wealth and reach millionaire status. But without a down payment your real estate investment goals will be difficult to achieve.

Every year that you don't invest will cost you money in lost opportunity. So where do you get your down payment? How do you do it?

Most lenders prefer a 20% down payment because it provides them a level of comfort in case you default on your mortgage loan. It also happens to be the minimum down payment required to avoid the addition of mortgage insurance premiums.

Although a 20% down payment is considered by many to be "ideal", investors often look to increase their leverage in purchasing real estate by lowering their down payment. This minimizes their upfront cash requirement but increases their monthly carrying costs through higher mortgage payments and mortgage insurance.

Here are some sources to help fund your next real estate investment:

Tap Into Your 401(k)

To get that down payment, you can tap into your 401(k), which you will have to pay back over a period of five years or more, with interest. This method, however, has both advantages and disadvantages.

One of the advantages of getting a loan from your 401(k) is that it is not considered a debt by lenders when they assess your debt-to-income ratio.

A major disadvantage of borrowing from your 401(k), however, is that should you leave your current job for whatever reason, you will have to pay the loan in full 90 days before you quit or you are officially terminated.

Self Directed IRAs

Self directed IRAs are an excellent source of down payment funds. They can provide you the ability to build your retirement nest egg using real estate's excellent long-term rates of return, and depending on the type of IRA you can do it tax free.

Using a self-directed IRA is rather simple but it's important that you do it properly to avoid any unwanted tax consequence. Therefore, consulting a tax advisor experienced on the subject is highly recommended. You can also educate yourself with several good books on the subject, such as IRA Wealth by Patrick Rice.

Business Lines of Credit

Using business lines of credit can be a great source for your down payment needs. Each line of credit can range from $25,000 to $100,000 or more, and are available at very competitive interest rates.

Business lines of credit make sense in situations where the property's cash-flow can support the additional monthly payments. You will need to run the numbers to determine if your cash-flow is positive or negative when financing part or all of your down-payment. If your numbers are positive you can effectively purchase with no out-of-pocket down payment.

Control Your Budget

If you plan to take the save-until-I-have-enough route, then here is a very helpful tip on how you can save more effectively for that down payment.

Write down everything you spend money on. Don't leave anything out, even if it's a small candy bar that cost you a dollar. Assess your spending habits and see what you can improve and what expenses you can avoid.

This may be a slowest path to saving what you need but it will eventually get you there.

Partners

The fastest way to get into real estate investing is to find a cash partner. A cash partner is anyone who shares the same investing goals as you and has the funds for the down payment. You would be the credit partner and any profits and losses would be split between partners.

Partnerships are easy to form and can be tweaked in any way you feel is mutually beneficial. You can contact Norada Real Estate Investments for more information on their new real estate partner program.

With determination and clear goals you will be investing in real estate much sooner than you think.

A Call That You Need to Make

The average American has at least one credit card and carries a balance of more than $1,700. Faced with mounting minimum payments on their cards and shrinking monthly budgets, what is a consumer to do? Answer: Call your credit card company and negotiate a lower interest rate.

Credit card delinquencies are mounting with the downturn in the economy. (Interestingly, the two states with the highest foreclosure rates, Nevada and Florida, also lead the nation in credit card delinquencies.) Through July, the annualized rate of credit card charge-offs rose 33 percent compared to last year, according to Moody's Investor Services. At the same time, the Payment Rate Index, which reflects borrowers' ability and willingness to repay credit card debt, dropped.

Faced with increasing delinquencies, credit card companies are more willing than ever to lower your interest rate to make sure you'll be able to keep current. The last thing they want is for you to fall behind on your payments and have another past-due account on their books.

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