Why Use a Law Firm ?
Published Wednesday, October 31, 2007 by mortgage-lead-networkzglvcwpc.
The answer is simple. All your transactions with a Panama Law Firm are covered by tight Attorney Client Privileged Communication. The lawyer/law firm can not reveal anything about the client or their transactions, business dealings, etc. unless specifically authorized by the client. The exception to this would be if ordered by a Panama Court which is a possibility but something very rarely seen.
Lawyers have to pass background checks from their government in addition to attending law school. The government knows who their lawyers are and regulates them. Lawyers have obligations and fiduciary responsibilities to their clients.
We see many people buying corporations, trusts, etc. from non-lawyer web based businesses and also for bank accounts. It for some reason never occurs to the client that the entity they are doing business with has all their private financial information such as name of their company, ownership of the company, passports, bank and business reference letters, addresses, phones, email, business information, where their bank account is, etc. These entities they are doing business with have no binding legislation or regulations on them preventing them from revealing any of this information to whoever they wish to reveal it to. In most cases they could not protect the client if they wanted to since they have no privileged communication. If they got a phone call from a governmental agency from 6,000 miles away the chances are they would cave in and provide the requested information. These phone calls usually go like this: I am so and so Inspector with the Tax Police of ABC country. Your country already knows that I am investigating this case. This means he sent an email to the government. I have a court order signed by a Judge would you like me to fax it over to you? This means the court order is as a rule almost never valid in the jurisdiction he is calling. Now when your friendly corporation registered agent says something cute like the court order is not from here and you have no authority here what he gets back sounds like this. If you fail to cooperate I will file a suspicious criminal actions report with your police since for all we know you are the owners of the corporation in question and are the guilty parties and we will ask that you be investigated by your police. This is usually done in a threatening way since it is a bluff. Now the corporate agent thinking the last thing he needs is to be the subject of an investigation by his own police and has to hire a lawyer, etc. says, wait a minute what is it you want? Okay wait while I pull it up for you. This probably took 3-5 minutes and your privacy is violated. No attorney client privilege means no downside for the corporate agent to cooperate. What would we say? Wed say there is attorney client privilege in Panama and you must get a court order from a Panama Judge ordering us to release any information about any client and then wed hang up without providing any information.
Corporate Agents Offering corporations in Many Jurisdictions - Do not be deceived by firms that offer bank accounts and corporations from numerous countries. They are merely corporate agents or resellers of corporations from these countries. It is not very hard to become a reseller in many of these countries. Their ploy for credibility is selling from many different countries so you see a big shopping list of jurisdictions and think they are a real credible operation when they are really nothing more than a relatively unregulated offshore corporation based in some tax haven selling you formations in different jurisdictions most of which are not any good for asset protection, corporate privacy, or even bank secrecy. If you read through our web site you will soon realize that most if not all of these jurisdictions are has been privacy jurisdictions that are no longer private. They sell these products to people who are familiar with the jurisdiction from the past reputation but have not followed the recent changes in the laws relating to these jurisdictions in the post 9-11 world. If we knew of a better jurisdiction than Panama we would offer it!
Law Firms in Your Own Country - Be careful about using a law firm in your own country even if they offer to set up an offshore structure for you. The weak link in the chain is the attorney is located in the country where you are. If you felt your country respected the individuals right to privacy and operated a fair and equitable court system you would probably not be reading this.
Attacking Attorney Client Privilege - An adversary can attack the attorney client privilege claiming your attorney conspired with you or was complicit in some way in something you allegedly did like the fraudulent conveyance of assets to avoid creditors, fraud, misrepresentation, tax violations pertaining to income tax, sales tax, property tax, gift tax, inheritance tax, probate tax, corporate tax, capital gains tax and other assorted and sundry taxes, creation of straw man trusts and other asset protection shams, money laundering, and the list can go on and on. We are not saying you did or should do such things, in fact you should not do such things, we are saying it can be alleged that you did such things and these allegations in these non-privacy countries are enough to break the attorney client privilege you have with the attorney. Jurisdictions that do not respect privacy and do not have fair and equitable court systems are not going to let a thing like attorney client privilege stop a big law firm from taking away your assets in the name of justice.
Suing your Attorney - Lets assume the judge not understanding too much about offshore structures says well I dont see anything here to justify the violation of attorney client privilege, what do you think the other side does next, walk away and forget about you? Not so fast, they can smell your assets and want a big bite as soon as they can get it. They see a chink in your armor that they are not finished exploiting. The chink is you did not use an attorney in a privacy oriented jurisdiction even though you might have used an offshore structure in one. So now they just add your attorney into the lawsuit as an additional defendant alleging him or her to be a conspirator in the plot to defraud the creditor out of his pound of flesh he wishes to take from your life savings, real estate, business, estate, etc. This gives them a shot at piercing attorney client privilege which is to say the attorney used an offshore structure to make discovery impossible thus thwarting justice and is sheltering the defendants assets behind attorney client privilege as an another layer in the scheme to defraud their client from collecting his lawful court ordered debt by grabbing your assets. If the other side is motivated and has money they will wear down your asset protection strategy until they can reach out and grab your assets. If you sued a lawyer in a privacy jurisdiction like Panama and did your formations there and banked there, you would be the one wearing down your adversary who would be getting frustrated spending time and money and getting nowhere in the Panama courts. They would be getting their cases dismissed for lack of jurisdiction, incorrect venue, etc. This could motivate your adversary to settle for pennies on the dollar after they had a very expensive taste of the Panama Courts, or they just decide they cant penetrate your structure not even being sure what your structure is and plain give up. Using a lawyer in your own country to formulate your asset protection strategy is a weak link that should not be presented to a financial enemy. The same applies to using an attorney in another country where privacy and justice have disappeared. One privacy hating unfair jurisdiction can usually reach out to another privacy hating unfair jurisdiction and get their assistance, alleging almost anything will work in these jurisdictions. Some of these countries actually respect the court orders from another country, all that is required is a trip to the local court to have the foreign court order rubber stamped and thus domesticated and made enforceable. This is common with money judgments from foreign countries in the privacy hating jurisdictions but you do not have much to worry about in Panama.
How to do it -Use a law firm only in the jurisdiction where your corporation, foundation and bank are located. This way not only can the law firm that did your asset protection structure help you if trouble comes knocking on your door but your confidential information is out of reach of the courts your financial enemies will use. Do not use a corporation agent or non-lawyer for your asset protection. There is no attorney client privilege.
Anonymity is your Friend - Anonymity is your first line of defense. Only use anonymous bearer share corporations or anonymous foundations where no ownership records are in existence in any government registry (Panama). Panama Foundation assets are not sequesterable (not freezable). This makes discovery of ownership impossible even with a court order. Make sure the corporation or foundation need not file any tax returns and has no tax liabilities based on profit, income or assets (Panama). Tax returns could lead to an audit. Make sure the publicly recorded nominees of the corporation or foundation do not know the owners (Panama). Make sure there is tight Bank Secrecy (Panama has the best in the world now). Make sure there is strong attorney client privilege ( Panama). Make sure the jurisdiction in question is in no tax treaties with any country (Panama). Make sure the jurisdiction in question allows for no fishing expeditions (Panama). Make sure the jurisdiction in question does not cooperate on fiscal offenses (Panama, in Panama all tax offenses are civil not criminal). Make sure the jurisdiction does not allow civil lawsuits concerning matters that did not take place in the jurisdiction to be tried in their courts just because the corporation, foundation or bank account is domiciled there (Panama). Make sure the jurisdiction is dependent on corporate privacy and bank secrecy for its economy (Panama has 400,000 corporations domiciled there and there are 150 banks in country whose population is 2.9 million people, employing 20% of the workforce.
Hello Panama, Goodbye Switzerland!
Ronald Edwards is a researcher, with years of experience in finances and real estate.Live Mortgage Leads
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Lawyers have to pass background checks from their government in addition to attending law school. The government knows who their lawyers are and regulates them. Lawyers have obligations and fiduciary responsibilities to their clients.
We see many people buying corporations, trusts, etc. from non-lawyer web based businesses and also for bank accounts. It for some reason never occurs to the client that the entity they are doing business with has all their private financial information such as name of their company, ownership of the company, passports, bank and business reference letters, addresses, phones, email, business information, where their bank account is, etc. These entities they are doing business with have no binding legislation or regulations on them preventing them from revealing any of this information to whoever they wish to reveal it to. In most cases they could not protect the client if they wanted to since they have no privileged communication. If they got a phone call from a governmental agency from 6,000 miles away the chances are they would cave in and provide the requested information. These phone calls usually go like this: I am so and so Inspector with the Tax Police of ABC country. Your country already knows that I am investigating this case. This means he sent an email to the government. I have a court order signed by a Judge would you like me to fax it over to you? This means the court order is as a rule almost never valid in the jurisdiction he is calling. Now when your friendly corporation registered agent says something cute like the court order is not from here and you have no authority here what he gets back sounds like this. If you fail to cooperate I will file a suspicious criminal actions report with your police since for all we know you are the owners of the corporation in question and are the guilty parties and we will ask that you be investigated by your police. This is usually done in a threatening way since it is a bluff. Now the corporate agent thinking the last thing he needs is to be the subject of an investigation by his own police and has to hire a lawyer, etc. says, wait a minute what is it you want? Okay wait while I pull it up for you. This probably took 3-5 minutes and your privacy is violated. No attorney client privilege means no downside for the corporate agent to cooperate. What would we say? Wed say there is attorney client privilege in Panama and you must get a court order from a Panama Judge ordering us to release any information about any client and then wed hang up without providing any information.
Corporate Agents Offering corporations in Many Jurisdictions - Do not be deceived by firms that offer bank accounts and corporations from numerous countries. They are merely corporate agents or resellers of corporations from these countries. It is not very hard to become a reseller in many of these countries. Their ploy for credibility is selling from many different countries so you see a big shopping list of jurisdictions and think they are a real credible operation when they are really nothing more than a relatively unregulated offshore corporation based in some tax haven selling you formations in different jurisdictions most of which are not any good for asset protection, corporate privacy, or even bank secrecy. If you read through our web site you will soon realize that most if not all of these jurisdictions are has been privacy jurisdictions that are no longer private. They sell these products to people who are familiar with the jurisdiction from the past reputation but have not followed the recent changes in the laws relating to these jurisdictions in the post 9-11 world. If we knew of a better jurisdiction than Panama we would offer it!
Law Firms in Your Own Country - Be careful about using a law firm in your own country even if they offer to set up an offshore structure for you. The weak link in the chain is the attorney is located in the country where you are. If you felt your country respected the individuals right to privacy and operated a fair and equitable court system you would probably not be reading this.
Attacking Attorney Client Privilege - An adversary can attack the attorney client privilege claiming your attorney conspired with you or was complicit in some way in something you allegedly did like the fraudulent conveyance of assets to avoid creditors, fraud, misrepresentation, tax violations pertaining to income tax, sales tax, property tax, gift tax, inheritance tax, probate tax, corporate tax, capital gains tax and other assorted and sundry taxes, creation of straw man trusts and other asset protection shams, money laundering, and the list can go on and on. We are not saying you did or should do such things, in fact you should not do such things, we are saying it can be alleged that you did such things and these allegations in these non-privacy countries are enough to break the attorney client privilege you have with the attorney. Jurisdictions that do not respect privacy and do not have fair and equitable court systems are not going to let a thing like attorney client privilege stop a big law firm from taking away your assets in the name of justice.
Suing your Attorney - Lets assume the judge not understanding too much about offshore structures says well I dont see anything here to justify the violation of attorney client privilege, what do you think the other side does next, walk away and forget about you? Not so fast, they can smell your assets and want a big bite as soon as they can get it. They see a chink in your armor that they are not finished exploiting. The chink is you did not use an attorney in a privacy oriented jurisdiction even though you might have used an offshore structure in one. So now they just add your attorney into the lawsuit as an additional defendant alleging him or her to be a conspirator in the plot to defraud the creditor out of his pound of flesh he wishes to take from your life savings, real estate, business, estate, etc. This gives them a shot at piercing attorney client privilege which is to say the attorney used an offshore structure to make discovery impossible thus thwarting justice and is sheltering the defendants assets behind attorney client privilege as an another layer in the scheme to defraud their client from collecting his lawful court ordered debt by grabbing your assets. If the other side is motivated and has money they will wear down your asset protection strategy until they can reach out and grab your assets. If you sued a lawyer in a privacy jurisdiction like Panama and did your formations there and banked there, you would be the one wearing down your adversary who would be getting frustrated spending time and money and getting nowhere in the Panama courts. They would be getting their cases dismissed for lack of jurisdiction, incorrect venue, etc. This could motivate your adversary to settle for pennies on the dollar after they had a very expensive taste of the Panama Courts, or they just decide they cant penetrate your structure not even being sure what your structure is and plain give up. Using a lawyer in your own country to formulate your asset protection strategy is a weak link that should not be presented to a financial enemy. The same applies to using an attorney in another country where privacy and justice have disappeared. One privacy hating unfair jurisdiction can usually reach out to another privacy hating unfair jurisdiction and get their assistance, alleging almost anything will work in these jurisdictions. Some of these countries actually respect the court orders from another country, all that is required is a trip to the local court to have the foreign court order rubber stamped and thus domesticated and made enforceable. This is common with money judgments from foreign countries in the privacy hating jurisdictions but you do not have much to worry about in Panama.
How to do it -Use a law firm only in the jurisdiction where your corporation, foundation and bank are located. This way not only can the law firm that did your asset protection structure help you if trouble comes knocking on your door but your confidential information is out of reach of the courts your financial enemies will use. Do not use a corporation agent or non-lawyer for your asset protection. There is no attorney client privilege.
Anonymity is your Friend - Anonymity is your first line of defense. Only use anonymous bearer share corporations or anonymous foundations where no ownership records are in existence in any government registry (Panama). Panama Foundation assets are not sequesterable (not freezable). This makes discovery of ownership impossible even with a court order. Make sure the corporation or foundation need not file any tax returns and has no tax liabilities based on profit, income or assets (Panama). Tax returns could lead to an audit. Make sure the publicly recorded nominees of the corporation or foundation do not know the owners (Panama). Make sure there is tight Bank Secrecy (Panama has the best in the world now). Make sure there is strong attorney client privilege ( Panama). Make sure the jurisdiction in question is in no tax treaties with any country (Panama). Make sure the jurisdiction in question allows for no fishing expeditions (Panama). Make sure the jurisdiction in question does not cooperate on fiscal offenses (Panama, in Panama all tax offenses are civil not criminal). Make sure the jurisdiction does not allow civil lawsuits concerning matters that did not take place in the jurisdiction to be tried in their courts just because the corporation, foundation or bank account is domiciled there (Panama). Make sure the jurisdiction is dependent on corporate privacy and bank secrecy for its economy (Panama has 400,000 corporations domiciled there and there are 150 banks in country whose population is 2.9 million people, employing 20% of the workforce.
Hello Panama, Goodbye Switzerland!
Ronald Edwards is a researcher, with years of experience in finances and real estate.Live Mortgage Leads
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Real Estate Investment Three Ways To Success
Published by mortgage-lead-networkzglvcwpc.
If you ever wondered about the most profitable investment avenue, real estate investment comes out tops. Did you know why? As population rises, demand for services and quality living space is bound to grow. Families would look for residences and business would want more offices. Naturally then, owning a piece of real estate would bring higher returns in the form of rental income and capital appreciation over time to beat inflation.
Before you jump at the friendly next-door real estate agent with dreams of cornering a property in the most glamorous district in the city, do your groundwork well. Here are three simple ways to success with real estate investment.
Determine your time span and budgetary constraints.
Do a thorough research on the investment.
Stay motivated to make real estate investment an ongoing habit.
The first step in your attempt to invest in property consists of making a realistic estimate about your finances. You need not save up for the entire value of the property. Even if you decide to purchase a mortgage, the lender would first ask for your financial position. So, calculate your present and potential future earnings, deduct living expenses, payment for other debts and outflows for savings. You can find out the sum you would be ready to pay monthly towards home purchase.
You should calculate the probable number of years for which you could invest in real estate. This puts a dollar value on your capacity to invest and removes ambiguity.
The second step is the most crucial and time-consuming. You must perform a detailed study of the trends in the real estate market. A few rules of thumb are:
Concentrate your search closer to your area or at least within your state.
Look for growth potential in upcoming areas.
Personally inspect the property and the area a couple of times before making the decision.
Consider areas with good infrastructure as these bring higher rentals.
Investing in real estate should not be a one-off affair. You must imagine property as a component of your investment portfolio. Hence, you must remain an active investor. Keep watching the trend and move out of unprofitable areas to more lucrative ones. Do not be disheartened by the occasional losses. With time and experience, you would make better choices.
Real estate investment calls for careful planning and methodical execution. It is the best way to make your hard-earned money multiply faster and easier. If you did your preparation well, it would be impossible to go wrong.
Copyright © 2006 Joel Teo. All rights reserved.
Joel Teo writes on various financial topics relating to arizona estate goodyear investment real. Signup for his free online Real Estate Investing newsletter today and gain access to the Six Day Real Estate Investment Profits Course now at http://www.realestateinvestment101.info/Arizona.htmlMortgage Lead Transfers
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Before you jump at the friendly next-door real estate agent with dreams of cornering a property in the most glamorous district in the city, do your groundwork well. Here are three simple ways to success with real estate investment.
Determine your time span and budgetary constraints.
Do a thorough research on the investment.
Stay motivated to make real estate investment an ongoing habit.
The first step in your attempt to invest in property consists of making a realistic estimate about your finances. You need not save up for the entire value of the property. Even if you decide to purchase a mortgage, the lender would first ask for your financial position. So, calculate your present and potential future earnings, deduct living expenses, payment for other debts and outflows for savings. You can find out the sum you would be ready to pay monthly towards home purchase.
You should calculate the probable number of years for which you could invest in real estate. This puts a dollar value on your capacity to invest and removes ambiguity.
The second step is the most crucial and time-consuming. You must perform a detailed study of the trends in the real estate market. A few rules of thumb are:
Concentrate your search closer to your area or at least within your state.
Look for growth potential in upcoming areas.
Personally inspect the property and the area a couple of times before making the decision.
Consider areas with good infrastructure as these bring higher rentals.
Investing in real estate should not be a one-off affair. You must imagine property as a component of your investment portfolio. Hence, you must remain an active investor. Keep watching the trend and move out of unprofitable areas to more lucrative ones. Do not be disheartened by the occasional losses. With time and experience, you would make better choices.
Real estate investment calls for careful planning and methodical execution. It is the best way to make your hard-earned money multiply faster and easier. If you did your preparation well, it would be impossible to go wrong.
Copyright © 2006 Joel Teo. All rights reserved.
Joel Teo writes on various financial topics relating to arizona estate goodyear investment real. Signup for his free online Real Estate Investing newsletter today and gain access to the Six Day Real Estate Investment Profits Course now at http://www.realestateinvestment101.info/Arizona.htmlMortgage Lead Transfers
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How To Set Up A Totally Free Direct Mail Program For Your Mortgage Business
Published by mortgage-lead-networkzglvcwpc.
How to Set Up a Totally Free Direct Mail Program for Your Mortgage Business
Glad to see that this article caught your attention. You're going to love this amazing little direct mail mortgage marketing strategy.
This super simple idea will actually allow you to mail 500 or 1,000 or 10,000 or even more...postcards and/or fliers each week for free...all of this without you having to pay one single cent for postage. In fact, this idea is so profitable, that a number of mortgage professionals notified me that they replicated the idea multiple times and created their own lucrative direct mail companies outside of their mortgage businesses. Now that's powerful!
Forgive me for jumping ahead here. Let's start back at the very beginning and explore the details of this idea.
The most expensive part of a direct mail campaign is your postage. For that reason alone, you may not currently be using direct mail in your mortgage business. Your next most expensive item will be your list. The postcard might cost you a few cents apiece to print depending on your quantity. So that's almost nothing.
What all of this boils down to is that it's pretty tough to get a mailing out these days for less than 55 cents each or maybe 65 cents apiece. So that makes direct mail pretty darn pricey. So here's what you do to avoid paying postage, list rental, printing, and even make a profit using this idea.
First, you find out how many people live in your marketing area. What you want is the number of residences in your area. The post office will show you how to do a "Dear Resident" mailing. The post office will deliver your "Dear Resident" postcard very cheap if you are trying to hit every household in a certain zip code or set of zip codes.
If you'd like to personalize the carrier envelope, just look under the Yellow Pages under the category labeled "Mailing Lists," and you'll find a list of local companies that can help you. However, personalization is not a requirement. In fact, most loan officers that use direct mail address their offers to "Dear Resident." You'll also find this reduces costs substantially.
Second, let's say you find out that there are some 12,275 residences in the targeted area you want to reach. What you now do is approach other businesses that would also be interested in reaching these same people with a postcard advertisement. Ask these businesses if they would like to spend, say, 20 or 25 cents instead of 55 or 65 cents to reach a potential customer in their target market.
As a reminder, only approach businesses with this idea that are not competing with you and your mortgage business. There are tons of businesses willing to participate and a good letter promoting the concept will keep your waiting list constantly filled.
All of this sounds pretty simple, doesn't it?
Well, it is. In fact, the odds are good you already receive a mailing like this. There are a number of companies out there that will provide this service for you at a cost. They are called "card deck mailings." Just type "card deck mailing" into Google, and you'll see all kinds of companies come up in the listing that will do your card deck mailing for you. Better yet, when you receive your next mailing...call and check out their pricing. Your card will be ganged in with all the other merchants.
But here's the simple truth. You can save a lot of money my doing these mailings yourself. They are really very easy to do. There is something to be said for that old adage "If you want it done right, do you it yourself." You'll have total control of the process. And especially total control of who is getting your mailing. Very often, the "card deck" mailing companies hit to big a geographical area and include too many folks outside your marketing area. So, do it yourself so you can be certain you're only paying to reach those people you want to reach.
Also, you can gang together more than just postcards in an envelope. You can also gang fliers, letters and other advertising materials. Although I have seen some "card deck" mailings arrive in clear shrink wrap, plain old envelopes work just great.
But whether you do it yourself, or use a company that specializes in card deck mailings, this is a very cost effective way to advertise your business in your local marketing area.
But there is one key you need to be mindful of to make this kind of a mailing work for you. You need to make sure your mortgage message stands out from the other messages in your mailing package. Again, don't offer this opportunity to your competitors...only to those businesses that want to reach the same people in your marketing area.
Here's a great opportunity to actually make money in two businesses.
You'll make money in your mortgage business by promoting your company via your mailing...that is, with your own postcard or flier. And, you can make lots of money selling your direct mail program to your co-op mailing partners. Just mark-up the cost. A 15% mark-up or so to compensate you for your work and initiative is certainly reasonable, and you'll still be under pricing the big national "card deck" mailing services. When you get all your prices together, you may find that you can demand an even larger mark-up.
Start mailing your co-op mailings once a month, and then increase the frequency as you get your systems and procedures in place. I'm sure you can see that there is some great money to be made doing this. If you've got some guts and ambition, you can work this system to a point where you are mailing countless card decks and other co-op mailings per week with very little if any cash outlay. Your co-op mailing partners are funding the entire process and even paying in advance for the privilege of working with you.
I'll let you do the math here on what you could make with this idea if you just mark-up the cost a minimum of 15% to your co-op mailing partners. You may need to consider a part-time assistant early on to make this work for you. Of course, nothing will work if you don't work the plan. To get this system up and running will take a little initiative and some oomph on your part.
At the very least, use this little trick to conduct direct mail marketing campaigns for your mortgage business at no cost to you. It's not at all hard to find six or eight or ten or more businesses that will be more than happy to sign-up for the program and participate with you.
This is a great idea...drop me an email or give me a call...I would love to hear of your success with this program.
Tom Domin is the author of "101 Ways to Originate Mortgages" and publisher of "Tom's Mortgage Tips" a twice monthly Mortgage Newsletter geared for Mortgage Professionals. Put your mortgage career on the fast track and sign-up for FREE at http://www.MortgageMarketingToolKit.com/ Live Mortgage Leads
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Glad to see that this article caught your attention. You're going to love this amazing little direct mail mortgage marketing strategy.
This super simple idea will actually allow you to mail 500 or 1,000 or 10,000 or even more...postcards and/or fliers each week for free...all of this without you having to pay one single cent for postage. In fact, this idea is so profitable, that a number of mortgage professionals notified me that they replicated the idea multiple times and created their own lucrative direct mail companies outside of their mortgage businesses. Now that's powerful!
Forgive me for jumping ahead here. Let's start back at the very beginning and explore the details of this idea.
The most expensive part of a direct mail campaign is your postage. For that reason alone, you may not currently be using direct mail in your mortgage business. Your next most expensive item will be your list. The postcard might cost you a few cents apiece to print depending on your quantity. So that's almost nothing.
What all of this boils down to is that it's pretty tough to get a mailing out these days for less than 55 cents each or maybe 65 cents apiece. So that makes direct mail pretty darn pricey. So here's what you do to avoid paying postage, list rental, printing, and even make a profit using this idea.
First, you find out how many people live in your marketing area. What you want is the number of residences in your area. The post office will show you how to do a "Dear Resident" mailing. The post office will deliver your "Dear Resident" postcard very cheap if you are trying to hit every household in a certain zip code or set of zip codes.
If you'd like to personalize the carrier envelope, just look under the Yellow Pages under the category labeled "Mailing Lists," and you'll find a list of local companies that can help you. However, personalization is not a requirement. In fact, most loan officers that use direct mail address their offers to "Dear Resident." You'll also find this reduces costs substantially.
Second, let's say you find out that there are some 12,275 residences in the targeted area you want to reach. What you now do is approach other businesses that would also be interested in reaching these same people with a postcard advertisement. Ask these businesses if they would like to spend, say, 20 or 25 cents instead of 55 or 65 cents to reach a potential customer in their target market.
As a reminder, only approach businesses with this idea that are not competing with you and your mortgage business. There are tons of businesses willing to participate and a good letter promoting the concept will keep your waiting list constantly filled.
All of this sounds pretty simple, doesn't it?
Well, it is. In fact, the odds are good you already receive a mailing like this. There are a number of companies out there that will provide this service for you at a cost. They are called "card deck mailings." Just type "card deck mailing" into Google, and you'll see all kinds of companies come up in the listing that will do your card deck mailing for you. Better yet, when you receive your next mailing...call and check out their pricing. Your card will be ganged in with all the other merchants.
But here's the simple truth. You can save a lot of money my doing these mailings yourself. They are really very easy to do. There is something to be said for that old adage "If you want it done right, do you it yourself." You'll have total control of the process. And especially total control of who is getting your mailing. Very often, the "card deck" mailing companies hit to big a geographical area and include too many folks outside your marketing area. So, do it yourself so you can be certain you're only paying to reach those people you want to reach.
Also, you can gang together more than just postcards in an envelope. You can also gang fliers, letters and other advertising materials. Although I have seen some "card deck" mailings arrive in clear shrink wrap, plain old envelopes work just great.
But whether you do it yourself, or use a company that specializes in card deck mailings, this is a very cost effective way to advertise your business in your local marketing area.
But there is one key you need to be mindful of to make this kind of a mailing work for you. You need to make sure your mortgage message stands out from the other messages in your mailing package. Again, don't offer this opportunity to your competitors...only to those businesses that want to reach the same people in your marketing area.
Here's a great opportunity to actually make money in two businesses.
You'll make money in your mortgage business by promoting your company via your mailing...that is, with your own postcard or flier. And, you can make lots of money selling your direct mail program to your co-op mailing partners. Just mark-up the cost. A 15% mark-up or so to compensate you for your work and initiative is certainly reasonable, and you'll still be under pricing the big national "card deck" mailing services. When you get all your prices together, you may find that you can demand an even larger mark-up.
Start mailing your co-op mailings once a month, and then increase the frequency as you get your systems and procedures in place. I'm sure you can see that there is some great money to be made doing this. If you've got some guts and ambition, you can work this system to a point where you are mailing countless card decks and other co-op mailings per week with very little if any cash outlay. Your co-op mailing partners are funding the entire process and even paying in advance for the privilege of working with you.
I'll let you do the math here on what you could make with this idea if you just mark-up the cost a minimum of 15% to your co-op mailing partners. You may need to consider a part-time assistant early on to make this work for you. Of course, nothing will work if you don't work the plan. To get this system up and running will take a little initiative and some oomph on your part.
At the very least, use this little trick to conduct direct mail marketing campaigns for your mortgage business at no cost to you. It's not at all hard to find six or eight or ten or more businesses that will be more than happy to sign-up for the program and participate with you.
This is a great idea...drop me an email or give me a call...I would love to hear of your success with this program.
Tom Domin is the author of "101 Ways to Originate Mortgages" and publisher of "Tom's Mortgage Tips" a twice monthly Mortgage Newsletter geared for Mortgage Professionals. Put your mortgage career on the fast track and sign-up for FREE at http://www.MortgageMarketingToolKit.com/ Live Mortgage Leads
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Scooby Doo, Where Are You?
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Use this famous motto from the television cartoon at your Scooby Doo theme party. Someone was always asking the questions, so you can too! Make your first game a find the Scooby stuffed animal. Whoever finds him gets a prize!
To get guests to your Scooby party, send out Scooby or bone shaped invitations from the party store. They will also carry treat bags, wall decorations and party favors to give away for the games. Balloons, crepe paper, plates and cups are also made to match any Scooby motif you choose to follow.
All great Scooby Doo parties, whether they are birthday or not, need a Scooby shaped cake. Party supply stores have specialty cake pans in the shape of your favorite character. Matching candles, frosting and sprinkles can be found to adorn the cake or cupcakes for your party. Other foods to serve and follow your theme can be bone shaped sandwiches, puppy chow, or any food with a dog name.
Other games to play can be pin the Scooby snack in Scoobys mouth. A Scooby piata filled with all of your favorite candy is a fun way to celebrate too. If the guests attending are old enough and can read, create a Scooby style mystery and let them solve it. Using saran wrap and construction paper, have them make a magnifying glass to find clues to solve their mystery. Winner gets a whole box of Scooby snacks!
For quiet entertainment, watch a Scooby movie or television show. Find a giant stuffed or inflatable Scooby Doo character and take every guests picture with it. Send a copy with the thank you note or print it from the computer that day. Each guests will have a way to remember the great Scooby theme party they attended at your house. Save time to open the presents and eat cake too.
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Illinois Foreclosure Listing Tops 11,000 Addresses, Governor Steps In!
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Illinois foreclosure listings represent the fourth highest in the country. California is at the top of the list with 32,500 followed by Florida with approximately 27,000 listings and Colorado at roughly 11,000 filings. Combined with Illinois, these four states account for 52% of all homes in foreclosure nationwide.
The staggering foreclosure rates in Illinois prompted Governor Rod Blagojevich to file amendments to HB 4050, the Illinois Predatory Lending Database Program. HB4050 protects consumers fight predatory lending practices by shifting focus on the lenders who offer non-traditional types of loans.
Under the proposed rules for HB 4050, Cook County first time homebuyers and owners opting to refinance their primary residence will be recommended for financial counseling if the loan they are considering contains any of the following provisions:
* Permits interest-only payments;
* Allows payments that results in negative amortization;
* Total points and fees payable by the borrower exceed 5% of the amount of the mortgage;
* Approval of the loan relies on the stated income of the borrower;
* A pre-payment penalty is included; or
* The financing transaction includes a second lien on the property, often known as an 80/20 loan.
HB 4050 main purpose is to alert consumers that subprime lending practices can lead to financial ruin. Todays housing market focuses so much on the credit history of the homebuyer, and with some homebuyers who have had past credit issues, spotty employment or not enough funds for a down payment --- some lenders have gone to great lengths to get their business. However, this practice is costing the same homebuyer way more than they can afford without them even realizing it. By enacting HB 4050, these same homebuyers will be instructed and informed regarding the types of loans available, the type of loan they are considering and what it means to their financial future. Many of these items are not currently provided by the lenders who practice subprime loan lending.
Luckily, Governor Blagojevich has an eye on his Illinois homebuyers and the lenders who serve the Illinois residents. Currently, HB 4050 is in the pilot program phase and is being piloted in Cook County. Illinois residents outside of Cook County should expect to see it offered to them also in the near future. The governors mission is to see the Illinois foreclosure listings numbers drop and this is a great start to realizing that mission.
Bob Smith is a freelancer but regularly writes for ForeclosureListingsNationWide.com. You can get more information on Illinois foreclosure listings at http://www.foreclosurelistingsnationwide.com.Mortgage Lead Transfers
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The staggering foreclosure rates in Illinois prompted Governor Rod Blagojevich to file amendments to HB 4050, the Illinois Predatory Lending Database Program. HB4050 protects consumers fight predatory lending practices by shifting focus on the lenders who offer non-traditional types of loans.
Under the proposed rules for HB 4050, Cook County first time homebuyers and owners opting to refinance their primary residence will be recommended for financial counseling if the loan they are considering contains any of the following provisions:
* Permits interest-only payments;
* Allows payments that results in negative amortization;
* Total points and fees payable by the borrower exceed 5% of the amount of the mortgage;
* Approval of the loan relies on the stated income of the borrower;
* A pre-payment penalty is included; or
* The financing transaction includes a second lien on the property, often known as an 80/20 loan.
HB 4050 main purpose is to alert consumers that subprime lending practices can lead to financial ruin. Todays housing market focuses so much on the credit history of the homebuyer, and with some homebuyers who have had past credit issues, spotty employment or not enough funds for a down payment --- some lenders have gone to great lengths to get their business. However, this practice is costing the same homebuyer way more than they can afford without them even realizing it. By enacting HB 4050, these same homebuyers will be instructed and informed regarding the types of loans available, the type of loan they are considering and what it means to their financial future. Many of these items are not currently provided by the lenders who practice subprime loan lending.
Luckily, Governor Blagojevich has an eye on his Illinois homebuyers and the lenders who serve the Illinois residents. Currently, HB 4050 is in the pilot program phase and is being piloted in Cook County. Illinois residents outside of Cook County should expect to see it offered to them also in the near future. The governors mission is to see the Illinois foreclosure listings numbers drop and this is a great start to realizing that mission.
Bob Smith is a freelancer but regularly writes for ForeclosureListingsNationWide.com. You can get more information on Illinois foreclosure listings at http://www.foreclosurelistingsnationwide.com.Mortgage Lead Transfers
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My Second Real Estate Investing Deal, A True No Money Down Deal
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My second deal was a sandwich lease option deal and a true nothing down, no credit needed, real estate deal. I rented the house from the seller with an option to buy, and rented the house to my buyer at a higher rent and a higher price to buy.
You may remember that I did an all cash deal for my first deal. It took several months before I entered my next deal. While I did speak to several sellers and received many leads I was short on cash to do my next deal. I have been self employed most of my life and havent had good credit for quite some time. I have paid my bills on time for several years but havent done well at obtaining the types of credit that strengthen ones credit scores. I had planned on borrowing out the cash I put into my first deal but was never satisfied with what loans I could receive against it and never did put a mortgage on that property.
About three months after the first deal this second deal of mine came about as a referral from a mortgage broker who had contacted me about selling his own property. This referral was a client of his who had to move from Memphis to Minneapolis due to a job transfer. The home was beautiful and required no work. The only money I spent on the house was to have the leaves bagged as it has a half acre lot with mature trees and a beautiful pie shaped lot with 80% of the yard being fenced in the back. The home is 4 to 5 bedrooms with 3 and a half baths with a very nice open floor plan and good solid construction. The area the property is in was being over built by new builders and used homes simply are not selling. The average selling price in our county is around $175k and this home had been on the market for $225k and not selling. Without all the overbuilding in the area it might be worth $245k or more.
When the seller contacted me they let me know they owed $215k and had an $1850 payment including taxes and insurance. All they wanted was to cover the note. I had taken Wendy Pattons course on lease options and I knew that was a strategy I wanted to use. I agreed to cover the note once I had a suitable tenant/buyer and collected funds. I ran my first ads for the property in November which isnt a great rental month. At first I tried to ask for a $6k option fee and $2195 per month rent. Had it been Feb or Mar I may have gotten it. I had little inquiry about the property. I had a yard sign with flyers and pictures online and ran ads in the local paper. Typically I got a call or two a week and had someone look at the property every couple of weeks. I had someone fill out the paperwork and seemed ready to pay their money twice and they couldnt come up with the money and move in. Finally after almost 3 months I had a doctor and a nurse take the property with a $3000 non-refundable option fee and $1950 per month with a $100 credit for each month of on time rent. The agreed upon sales price was $249k which is the best part of the deal for me with a 24 month term on the lease. We did build in for the rent to go up to $2050 after 12 months. This tenant pays the rent on time almost every month and I think in the end they will likely buy the property. Most of the $3k option fee was eaten up with about $1500 in newspaper ads for the house. I make a $100 profit on the monthly rent. While I did spend about $1600 out of pocket I did get the $3000 up front. This is a very thin deal but if the current tenant doesnt exercise the option I think I will be able to go up to $260k on the next tenant and get a bit more rent and option fee.
What you can learn from this deal: 1. I agreed to pay too much rent on this property. $1850 was too much and should have been more like $1600 per month so I could have made better cash flow. I think if I had held out another month I could have gotten more up front and a little more rent. A good rent guideline is to not pay the seller more than .6 times my selling price which would have been $1500 in this case. 2. We filed a memorandum of option on the property title. This shows the world that we have an interest in the property and it cannot be sold or refinanced without our approval. 3. This sandwich lease option only works if the seller has good credit and should continue to do so. 4. This property was really too expensive for a lease option and is much better in my market on a property that would sell between $100k and $200k. 5. It is hard to find sellers who will agree to this but there are lots of them out there, you just have to keep asking sellers to agree to this kind of deal. 6. Lease options are great for selling as you get tax benefits, and multiple paydays.
How many deals like this do you need in your pipeline to close each year to be financially free if each one made you an average of $30k?
David offers a free E-course on quick start strategies at:http://www.FreeRealEstateInvestingCourses.com. Find more about David at http://www.RealEstateTeleClinic.com.Live Mortgage Leads
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You may remember that I did an all cash deal for my first deal. It took several months before I entered my next deal. While I did speak to several sellers and received many leads I was short on cash to do my next deal. I have been self employed most of my life and havent had good credit for quite some time. I have paid my bills on time for several years but havent done well at obtaining the types of credit that strengthen ones credit scores. I had planned on borrowing out the cash I put into my first deal but was never satisfied with what loans I could receive against it and never did put a mortgage on that property.
About three months after the first deal this second deal of mine came about as a referral from a mortgage broker who had contacted me about selling his own property. This referral was a client of his who had to move from Memphis to Minneapolis due to a job transfer. The home was beautiful and required no work. The only money I spent on the house was to have the leaves bagged as it has a half acre lot with mature trees and a beautiful pie shaped lot with 80% of the yard being fenced in the back. The home is 4 to 5 bedrooms with 3 and a half baths with a very nice open floor plan and good solid construction. The area the property is in was being over built by new builders and used homes simply are not selling. The average selling price in our county is around $175k and this home had been on the market for $225k and not selling. Without all the overbuilding in the area it might be worth $245k or more.
When the seller contacted me they let me know they owed $215k and had an $1850 payment including taxes and insurance. All they wanted was to cover the note. I had taken Wendy Pattons course on lease options and I knew that was a strategy I wanted to use. I agreed to cover the note once I had a suitable tenant/buyer and collected funds. I ran my first ads for the property in November which isnt a great rental month. At first I tried to ask for a $6k option fee and $2195 per month rent. Had it been Feb or Mar I may have gotten it. I had little inquiry about the property. I had a yard sign with flyers and pictures online and ran ads in the local paper. Typically I got a call or two a week and had someone look at the property every couple of weeks. I had someone fill out the paperwork and seemed ready to pay their money twice and they couldnt come up with the money and move in. Finally after almost 3 months I had a doctor and a nurse take the property with a $3000 non-refundable option fee and $1950 per month with a $100 credit for each month of on time rent. The agreed upon sales price was $249k which is the best part of the deal for me with a 24 month term on the lease. We did build in for the rent to go up to $2050 after 12 months. This tenant pays the rent on time almost every month and I think in the end they will likely buy the property. Most of the $3k option fee was eaten up with about $1500 in newspaper ads for the house. I make a $100 profit on the monthly rent. While I did spend about $1600 out of pocket I did get the $3000 up front. This is a very thin deal but if the current tenant doesnt exercise the option I think I will be able to go up to $260k on the next tenant and get a bit more rent and option fee.
What you can learn from this deal: 1. I agreed to pay too much rent on this property. $1850 was too much and should have been more like $1600 per month so I could have made better cash flow. I think if I had held out another month I could have gotten more up front and a little more rent. A good rent guideline is to not pay the seller more than .6 times my selling price which would have been $1500 in this case. 2. We filed a memorandum of option on the property title. This shows the world that we have an interest in the property and it cannot be sold or refinanced without our approval. 3. This sandwich lease option only works if the seller has good credit and should continue to do so. 4. This property was really too expensive for a lease option and is much better in my market on a property that would sell between $100k and $200k. 5. It is hard to find sellers who will agree to this but there are lots of them out there, you just have to keep asking sellers to agree to this kind of deal. 6. Lease options are great for selling as you get tax benefits, and multiple paydays.
How many deals like this do you need in your pipeline to close each year to be financially free if each one made you an average of $30k?
David offers a free E-course on quick start strategies at:http://www.FreeRealEstateInvestingCourses.com. Find more about David at http://www.RealEstateTeleClinic.com.Live Mortgage Leads
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Save Your Money and Your Sanity by Moving to a Small Town
Published by mortgage-lead-networkzglvcwpc.
I grew up in a tiny town - so tiny that it doesnt show up on some maps. Until last year, however, Ive spent all my adult life in big cities. Im now a happy citizen of a small rural city, along with about 12,000 other people, give or take a few. When I announced that I was moving away from the city, my friends were worried that Id miss out on all the excitement of the city life, but I havent missed a thing.
Im not the only baby boomer whos finally escaped from the stress, traffic, noise and air pollution of city life. Since many of the folks in my generation grew up in rural areas, like I did, it makes sense for us to want to go home when we get older, even if home is loosely defined as a somewhere quieter, less crowded, and nearer to the mountains or the beach. However, Ive met a number of younger people, Generation X-types, who have never lived in any city with fewer than a million people, but who see the lower housing costs and the easy access to recreational areas, and start planning to make their move to a smaller town.
The city where I now live, La Grande, Oregon, was recently cited as one of the best places youve never heard of by The Mother Earth News. Because the area has been discovered, real estate prices are higher than they were when my grandfather lived here, 15 or 20 years ago, but houses are still far less expensive than homes in Portland, our nearest city. In fact, the house I bought here in La Grande is more than twice as big as the house I sold in Portland, but it cost half as I got when I sold my Portland house. Yes, thats twice as much house for half as much money - a true bargain. If I didnt mind going even a bit more rural, I could have moved to an even smaller town where homes sell for much less.
For years, people in Southern California have known they could sell their homes and use the proceeds of the inflated sale price to buy a house in Oregon, for cash. Now people inside Oregon are discovering that its possible to do the same thing, as long as you move from a large, overpriced real estate market to a reasonably-priced area in a smaller city.
Dont I miss the plays, the movies, the waterfront festivals, and other amenities offered by the city I left behind? Not really, since I rarely had time to enjoy those things anyway, and I hated to park downtown. I do enjoy an occasional movie, but we have a movie theater here - two actually. In the summer we can go to the drive-in theater for a bit of nostalgic fun, and all year long we can see first-run movies in the theater downtown. We have an excellent library and a university, and were within an hours drive of one of the most spectacular summer recreation areas in the Wallowa Mountains.
But more importantly, as far as Im concerned, is the friendly way people respond to you when you meet them at the post office or while walking your dog. I attribute this small-town friendliness to the simple fact that my neighbors dont need to drive for 40 minutes through smog and ungodly traffic to get to work and back each day. They arent jostled by strangers as they do their shopping, and if something does go wrong and they need to call the local police force, its not unlikely that theyll know the officer who responds to their call. Less stress makes it easier to be more relaxed when you meet someone new on the street.
For years city folks have assumed that people in smaller towns will be less liberal, and voting statistics do show that smaller cities in more agricultural areas do tend to vote Republican. However, a closer look at the numbers will show you that a sizable minority in every city and county, even in the most rural areas, did not vote for Bush in either election.
If you want to hang out with peace activists, you can find them in smaller cities, along with people who support their sons and daughters in the military, while at the same time believing that their Commander in Chief made a big mistake.
At one time, lop-sided politics may have been a good reason to stay away from smaller cities if you had a more liberal mindset, but now everyone in America sees the same news on TV, and has access to the same information on the Internet, so these regional differences are slowly disappearing. And many of those more liberal former-Californians have already made themselves at home in the smaller cities and towns, which helps to even out the political landscape. No matter what persuasion you might be, youre likely to find like-minded folks enjoying a break from the big-city stress if you move to a smaller city.
If high living costs, pollution, traffic and stress are getting you down, start thinking about making your move to a less crowded city or town. Since large corporations like Google, Microsoft and Amazon are discovering that small town folks make good employees, you may even be able to get a good job once you get there - and you can be guaranteed to have a shorter commute to work.
Copyright 2007 Jonni Good. Jonni is a full-time author who left a high-stress job in the city and moved to a quiet, small town. She now writes books, ebooks and informational websites about her favorite subjects when she's not out playing in her garden. Find out how she bought her house with cash at http://www.BuyAHouseWithCash.comLive Mortgage Leads
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Im not the only baby boomer whos finally escaped from the stress, traffic, noise and air pollution of city life. Since many of the folks in my generation grew up in rural areas, like I did, it makes sense for us to want to go home when we get older, even if home is loosely defined as a somewhere quieter, less crowded, and nearer to the mountains or the beach. However, Ive met a number of younger people, Generation X-types, who have never lived in any city with fewer than a million people, but who see the lower housing costs and the easy access to recreational areas, and start planning to make their move to a smaller town.
The city where I now live, La Grande, Oregon, was recently cited as one of the best places youve never heard of by The Mother Earth News. Because the area has been discovered, real estate prices are higher than they were when my grandfather lived here, 15 or 20 years ago, but houses are still far less expensive than homes in Portland, our nearest city. In fact, the house I bought here in La Grande is more than twice as big as the house I sold in Portland, but it cost half as I got when I sold my Portland house. Yes, thats twice as much house for half as much money - a true bargain. If I didnt mind going even a bit more rural, I could have moved to an even smaller town where homes sell for much less.
For years, people in Southern California have known they could sell their homes and use the proceeds of the inflated sale price to buy a house in Oregon, for cash. Now people inside Oregon are discovering that its possible to do the same thing, as long as you move from a large, overpriced real estate market to a reasonably-priced area in a smaller city.
Dont I miss the plays, the movies, the waterfront festivals, and other amenities offered by the city I left behind? Not really, since I rarely had time to enjoy those things anyway, and I hated to park downtown. I do enjoy an occasional movie, but we have a movie theater here - two actually. In the summer we can go to the drive-in theater for a bit of nostalgic fun, and all year long we can see first-run movies in the theater downtown. We have an excellent library and a university, and were within an hours drive of one of the most spectacular summer recreation areas in the Wallowa Mountains.
But more importantly, as far as Im concerned, is the friendly way people respond to you when you meet them at the post office or while walking your dog. I attribute this small-town friendliness to the simple fact that my neighbors dont need to drive for 40 minutes through smog and ungodly traffic to get to work and back each day. They arent jostled by strangers as they do their shopping, and if something does go wrong and they need to call the local police force, its not unlikely that theyll know the officer who responds to their call. Less stress makes it easier to be more relaxed when you meet someone new on the street.
For years city folks have assumed that people in smaller towns will be less liberal, and voting statistics do show that smaller cities in more agricultural areas do tend to vote Republican. However, a closer look at the numbers will show you that a sizable minority in every city and county, even in the most rural areas, did not vote for Bush in either election.
If you want to hang out with peace activists, you can find them in smaller cities, along with people who support their sons and daughters in the military, while at the same time believing that their Commander in Chief made a big mistake.
At one time, lop-sided politics may have been a good reason to stay away from smaller cities if you had a more liberal mindset, but now everyone in America sees the same news on TV, and has access to the same information on the Internet, so these regional differences are slowly disappearing. And many of those more liberal former-Californians have already made themselves at home in the smaller cities and towns, which helps to even out the political landscape. No matter what persuasion you might be, youre likely to find like-minded folks enjoying a break from the big-city stress if you move to a smaller city.
If high living costs, pollution, traffic and stress are getting you down, start thinking about making your move to a less crowded city or town. Since large corporations like Google, Microsoft and Amazon are discovering that small town folks make good employees, you may even be able to get a good job once you get there - and you can be guaranteed to have a shorter commute to work.
Copyright 2007 Jonni Good. Jonni is a full-time author who left a high-stress job in the city and moved to a quiet, small town. She now writes books, ebooks and informational websites about her favorite subjects when she's not out playing in her garden. Find out how she bought her house with cash at http://www.BuyAHouseWithCash.comLive Mortgage Leads
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Illinois Foreclosure Listing Tops 11,000 Addresses, Governor Steps In!
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Illinois foreclosure listings represent the fourth highest in the country. California is at the top of the list with 32,500 followed by Florida with approximately 27,000 listings and Colorado at roughly 11,000 filings. Combined with Illinois, these four states account for 52% of all homes in foreclosure nationwide.
The staggering foreclosure rates in Illinois prompted Governor Rod Blagojevich to file amendments to HB 4050, the Illinois Predatory Lending Database Program. HB4050 protects consumers fight predatory lending practices by shifting focus on the lenders who offer non-traditional types of loans.
Under the proposed rules for HB 4050, Cook County first time homebuyers and owners opting to refinance their primary residence will be recommended for financial counseling if the loan they are considering contains any of the following provisions:
* Permits interest-only payments;
* Allows payments that results in negative amortization;
* Total points and fees payable by the borrower exceed 5% of the amount of the mortgage;
* Approval of the loan relies on the stated income of the borrower;
* A pre-payment penalty is included; or
* The financing transaction includes a second lien on the property, often known as an 80/20 loan.
HB 4050 main purpose is to alert consumers that subprime lending practices can lead to financial ruin. Todays housing market focuses so much on the credit history of the homebuyer, and with some homebuyers who have had past credit issues, spotty employment or not enough funds for a down payment --- some lenders have gone to great lengths to get their business. However, this practice is costing the same homebuyer way more than they can afford without them even realizing it. By enacting HB 4050, these same homebuyers will be instructed and informed regarding the types of loans available, the type of loan they are considering and what it means to their financial future. Many of these items are not currently provided by the lenders who practice subprime loan lending.
Luckily, Governor Blagojevich has an eye on his Illinois homebuyers and the lenders who serve the Illinois residents. Currently, HB 4050 is in the pilot program phase and is being piloted in Cook County. Illinois residents outside of Cook County should expect to see it offered to them also in the near future. The governors mission is to see the Illinois foreclosure listings numbers drop and this is a great start to realizing that mission.
Bob Smith is a freelancer but regularly writes for ForeclosureListingsNationWide.com. You can get more information on Illinois foreclosure listings at http://www.foreclosurelistingsnationwide.com.Exclusive Mortgage Leads
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The staggering foreclosure rates in Illinois prompted Governor Rod Blagojevich to file amendments to HB 4050, the Illinois Predatory Lending Database Program. HB4050 protects consumers fight predatory lending practices by shifting focus on the lenders who offer non-traditional types of loans.
Under the proposed rules for HB 4050, Cook County first time homebuyers and owners opting to refinance their primary residence will be recommended for financial counseling if the loan they are considering contains any of the following provisions:
* Permits interest-only payments;
* Allows payments that results in negative amortization;
* Total points and fees payable by the borrower exceed 5% of the amount of the mortgage;
* Approval of the loan relies on the stated income of the borrower;
* A pre-payment penalty is included; or
* The financing transaction includes a second lien on the property, often known as an 80/20 loan.
HB 4050 main purpose is to alert consumers that subprime lending practices can lead to financial ruin. Todays housing market focuses so much on the credit history of the homebuyer, and with some homebuyers who have had past credit issues, spotty employment or not enough funds for a down payment --- some lenders have gone to great lengths to get their business. However, this practice is costing the same homebuyer way more than they can afford without them even realizing it. By enacting HB 4050, these same homebuyers will be instructed and informed regarding the types of loans available, the type of loan they are considering and what it means to their financial future. Many of these items are not currently provided by the lenders who practice subprime loan lending.
Luckily, Governor Blagojevich has an eye on his Illinois homebuyers and the lenders who serve the Illinois residents. Currently, HB 4050 is in the pilot program phase and is being piloted in Cook County. Illinois residents outside of Cook County should expect to see it offered to them also in the near future. The governors mission is to see the Illinois foreclosure listings numbers drop and this is a great start to realizing that mission.
Bob Smith is a freelancer but regularly writes for ForeclosureListingsNationWide.com. You can get more information on Illinois foreclosure listings at http://www.foreclosurelistingsnationwide.com.Exclusive Mortgage Leads
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How To Save Money With Wholesale Fabric
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Saving time and money most likely rank within the top 10 items of your permanent to-do list as a Work at Home Mom or Dad. You created your own site design -- or found a low-cost designer to do it for you. You also filed your own sole proprietor paper work, and possibly even requested your own tax-ID number. And working at home has saved you tons of money in rental fees, utilities and more.
Despite the low overhead, you still have expenses each month. As a manufacturer of baby slings, cloth diapers, quilts or other crafts, one of your main expenses is fabric.
With Profit Margins Already Slim, You Need All The Savings You Can Get
Wouldn't it be great if you could save some money on fabric as well? Profit margins are already razor-thin in the WAHM world, so even the smallest increase could give you some breathing room.
If you are currently buying your fabric at retail prices, purchasing at wholesale can save you a bundle in the long run.
Sounds great!
However, there are a couple of downsides.
Don't Let Minimum Order Requirements Deter You
1. Many wholesalers require you to order a minimum amount up front. While this will make your initial costs higher, you will save in the long run. For example, let's say that you normally buy 25 yards of your favorite fabric for $252. Your wholesaler requires you to purchase 100 yards, which will cost $600. Ouch, right?
Think of it this way though: At retail value, the fabric is $12 per yard. When you sew your sling, you use 2 yards of fabric. So, you're spending $24 per sling, which you then sale for $32. Your profit, not counting the thread used or other business expenses: $8.
Now, let's say you went out and purchased the wholesale fabric for $600. You make your sling, using 2 yards of fabric. Only now, those two yards cost you just $12. When you sell your produce for $32, your profit is $20. You have more than doubled your profit for that item!
Another way to look at this is, with the retail fabric, you are making $4 of profit per yard. You purchased 25 yards, so your profit for that fabric purchase is $100. With the wholesale fabric, you are making a profit of $10 per yard.
For the 100 yards of fabric you purchased, your total profit is $1,000. Wow!
Now, that's no so much of a downside when you look at it.
Finding Fabric Wholesalers Is Tough Work
2. Where in the world do you buy fabric at wholesale? I've seen this question asked over and over again at WAHM message boards. The most common answer is the call the manufacturers of the fabrics you are interested in purchasing.
Typically, the retailers you purchase the fabric from are very protective of their wholesale sources, so you may not have any luck asking. Often though, you can look at the ends of the fabric bolt itself to see the name. Some fabrics have the information printed onto an unfinished edge of the fabric. On solid color fabric, denim and others, the manufacturer information may be hard to find.
You can also use a search engine in order to find wholesale fabric lists. However, be careful to research the company to find out about the fabric quality, turnaround time from the time you place the order until it is shipped and the level of customer service they provide. Research can include using search engines to find reviews or forum discussions about the company, asking fellow work at home moms and searching messages boards or resource websites that you are a member of for comments on the company.
Finding wholesale fabric for your business maybe a tough job -- but in terms of saving money, it will be well worth it in the long run.
Michelle Waters, owner of http://www.ShopKitPlus.com, helps moms learn how to operate and promote their online businesses. She recommends the following wholesale fabric resources: http://www.waterswebshops.com/WholesaleCraftFabric.Mortgage Lead Programs
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Despite the low overhead, you still have expenses each month. As a manufacturer of baby slings, cloth diapers, quilts or other crafts, one of your main expenses is fabric.
With Profit Margins Already Slim, You Need All The Savings You Can Get
Wouldn't it be great if you could save some money on fabric as well? Profit margins are already razor-thin in the WAHM world, so even the smallest increase could give you some breathing room.
If you are currently buying your fabric at retail prices, purchasing at wholesale can save you a bundle in the long run.
Sounds great!
However, there are a couple of downsides.
Don't Let Minimum Order Requirements Deter You
1. Many wholesalers require you to order a minimum amount up front. While this will make your initial costs higher, you will save in the long run. For example, let's say that you normally buy 25 yards of your favorite fabric for $252. Your wholesaler requires you to purchase 100 yards, which will cost $600. Ouch, right?
Think of it this way though: At retail value, the fabric is $12 per yard. When you sew your sling, you use 2 yards of fabric. So, you're spending $24 per sling, which you then sale for $32. Your profit, not counting the thread used or other business expenses: $8.
Now, let's say you went out and purchased the wholesale fabric for $600. You make your sling, using 2 yards of fabric. Only now, those two yards cost you just $12. When you sell your produce for $32, your profit is $20. You have more than doubled your profit for that item!
Another way to look at this is, with the retail fabric, you are making $4 of profit per yard. You purchased 25 yards, so your profit for that fabric purchase is $100. With the wholesale fabric, you are making a profit of $10 per yard.
For the 100 yards of fabric you purchased, your total profit is $1,000. Wow!
Now, that's no so much of a downside when you look at it.
Finding Fabric Wholesalers Is Tough Work
2. Where in the world do you buy fabric at wholesale? I've seen this question asked over and over again at WAHM message boards. The most common answer is the call the manufacturers of the fabrics you are interested in purchasing.
Typically, the retailers you purchase the fabric from are very protective of their wholesale sources, so you may not have any luck asking. Often though, you can look at the ends of the fabric bolt itself to see the name. Some fabrics have the information printed onto an unfinished edge of the fabric. On solid color fabric, denim and others, the manufacturer information may be hard to find.
You can also use a search engine in order to find wholesale fabric lists. However, be careful to research the company to find out about the fabric quality, turnaround time from the time you place the order until it is shipped and the level of customer service they provide. Research can include using search engines to find reviews or forum discussions about the company, asking fellow work at home moms and searching messages boards or resource websites that you are a member of for comments on the company.
Finding wholesale fabric for your business maybe a tough job -- but in terms of saving money, it will be well worth it in the long run.
Michelle Waters, owner of http://www.ShopKitPlus.com, helps moms learn how to operate and promote their online businesses. She recommends the following wholesale fabric resources: http://www.waterswebshops.com/WholesaleCraftFabric.Mortgage Lead Programs
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Do You Believe In Miracles? Olympic Gold for Teamwork and Motivation
Published by mortgage-lead-networkzglvcwpc.
One of the best inspirational sports stories ever concerns the U.S. Olympic Hockey teams triumph at the 1980 Winter Olympics. The tale has it all. There are young kids with dreams of glory, hard work, team spirit, a goal that far exceeds their grasp, and a Rocky-like finish.
The ultimate win of the Olympic Gold Medal over the Russian National Team has been written up in sports magazines and newspapers innumerable times in the past twenty-five years. The story is also told on video. For less than $10.00 on Amazon you can buy the DVD Do You Believe in Miracles? Watch the 60-minute program and youll cry and cheer. This video was produced by ABC sports. In 2004 Walt Disney Studios produced the excellent feature film, Miracle starring Kurt Russell as the U.S. Olympic hockey teams coach, and Patricia Clarkson as his wife. The film does a great job of showing all the planning and effort that went into the run for the gold.
But if you really want to motivate more than yourself, you should consider the classic training video, Do You Believe In Miracles? This shorter version of the ABC Sports presentation is designed for training. It comes with a public viewing license. This means it can legally be used at workshops and seminars for training and motivation. This version cannot be purchased on Amazon, however.
One of the great motivational videos of all time. The video documents the underdog U.S. Hockey team's 1980 Olympic Gold Medal win; culminating with the stunning upset of the top seeded Russians. This 24-minute documentary is about one of the greatest upsets in sports history: the United States' defeat of the vaunted Russian Olympic hockey team in Lake Placid, New York. It's David vs. Goliath: A bunch of college kids from Canada and the United States up against the Soviet Union professionals who had won four straight Olympic gold medals.
Program Description
Its almost impossible to view the final minutes of each of these videos without tears in your eyes, a lump in your throat, and a cheer on your lips. If you saw the game live, the videos bring back the joy you experienced then, and if youve never seen the story unfold at all, you will be amazed . . . and moved.
You owe it to yourself to check out a copy from your local library, or purchase on Amazon or buy the training version if you want to inspire teamwork in others. Share the feelings of triumph and pride. You will rejoice. You will believe in miracles. And whats more, youll find that motivation is contagious.
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Ethical Advertising or Not? PART 1 from a South African Perspective
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These days its extremely difficult to distinguish between ethical and unethical advertising, the line between is so fine that the interpretation of it is ultimately left up to the consumer to make the decision. The closer the advertising pitch is to controversial, funnily enough, the more consumers find it appealing, get suckered in and after its too late realise the consequences. Blatant trickery in advertising in my opinion constitutes fraud and these companies should have the whole book flung at them.
Two of the biggest markets are woman and kids. The amount of money made from these two sectors runs into billions each year and companies know exactly how to tug on those purse strings. I don't believe that you could ever eradicate companies that sell products that are less than acceptable; e.g., alcohol and cigarette products. To put the whole blame on advertising companies alone would be an injustice to them. Why would companies resort to subtle advertising tactics to sell products to kids, their attempts to do this is just a waste of time and money when they know very well that to sell products to kids you just have to be straight forward. The subtle side of the deal is directed at the parents who open up the wallets and pay. Parents are the ones that need to be subtly deceived because most of the time they are ultimately the decision makers. Parents need to run their kids like a business, especially when it comes to their finances. Proper reports on how they spend ' family-comapany' money should be a priority.
The never ending debate of unethical advertising towards kids is one that has been raging on for some time between concerned parents and those companies that promote less desirable products. Who takes the responsibility? I think that both parties should take equal blame for what kids are watching on TV and buying in the shops.
Consumers need to be a bit more street wise when looking to purchase any product no matter what it is. Be aware that to sell products companies rely on pulling those needy, desirable heart strings. Make sure that you are not suckered into impulse buying, this is a big threat that will result in mixed emotions once a product is bought. Make sure that your communities don't allow less desirable products to be blasted all over your neighbourhood - alcohol and cigarettes especially. There are many other silent products that have a detrimental effect on our lives, we eat and use them everyday check the contents of your cupboards and you'll be shocked.
Advertising that is ethical or unethical is something we all need to take note of, make no mistake there is a fine line and its this fine line that causes the debate. Those companies that are hovering on this line are more destructive than a cigarette company that openly displays that smoking causes lung cancer. Don't get caught up in subtle advertising tactics, educate yourselves and your kids that's the best defense you have in the fight against unethical advertising.
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Two of the biggest markets are woman and kids. The amount of money made from these two sectors runs into billions each year and companies know exactly how to tug on those purse strings. I don't believe that you could ever eradicate companies that sell products that are less than acceptable; e.g., alcohol and cigarette products. To put the whole blame on advertising companies alone would be an injustice to them. Why would companies resort to subtle advertising tactics to sell products to kids, their attempts to do this is just a waste of time and money when they know very well that to sell products to kids you just have to be straight forward. The subtle side of the deal is directed at the parents who open up the wallets and pay. Parents are the ones that need to be subtly deceived because most of the time they are ultimately the decision makers. Parents need to run their kids like a business, especially when it comes to their finances. Proper reports on how they spend ' family-comapany' money should be a priority.
The never ending debate of unethical advertising towards kids is one that has been raging on for some time between concerned parents and those companies that promote less desirable products. Who takes the responsibility? I think that both parties should take equal blame for what kids are watching on TV and buying in the shops.
Consumers need to be a bit more street wise when looking to purchase any product no matter what it is. Be aware that to sell products companies rely on pulling those needy, desirable heart strings. Make sure that you are not suckered into impulse buying, this is a big threat that will result in mixed emotions once a product is bought. Make sure that your communities don't allow less desirable products to be blasted all over your neighbourhood - alcohol and cigarettes especially. There are many other silent products that have a detrimental effect on our lives, we eat and use them everyday check the contents of your cupboards and you'll be shocked.
Advertising that is ethical or unethical is something we all need to take note of, make no mistake there is a fine line and its this fine line that causes the debate. Those companies that are hovering on this line are more destructive than a cigarette company that openly displays that smoking causes lung cancer. Don't get caught up in subtle advertising tactics, educate yourselves and your kids that's the best defense you have in the fight against unethical advertising.
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Strategies for Leading Through Change
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I need to make a change in my companyHow do I do it, and how do I manage it?
This is a question I hear from business leaders every day . . . yet the question often comes to me after the fact . . . when people are up in arms and ready to bolt. A change can be something as simple as new stationery or as tumultuous as a merger or acquisition, and while the change is often seen by top leadership as necessary to move ahead of aggressive competitors, this is not always the case for employees. Why? I believe the answer is this: Your employees are not angry about the change itself . . . they are angry because they are often the last to hear, you did not get their buy-in, their vote didn't count , and bam . . . Trust is shattered!"
Imagine this: During a strategic planning meeting, the executive team of a large technology company makes the decision to launch a new product line and ditch an existing one. Ditching the existing product line means that a few talented employees will become obsolete, and the new product line will require a new pool of talent. The executive team chooses to "keep this quiet" until they are ready to launch (yeah right!) They begin to meet after hours in a locked room to discuss their plans. As human behavior often teaches us, it is very hard to keep a secret when you know you have one inside you. So . . . Sally Smith, CIO, makes the decision to tell one person outside the executive team: "I have something to tell you, but you have to promise not to tell anyone" (yeah right . . . again.) In addition, the janitor knows something's up . . . he cleans after hours and sees the big dogs locked in a room every night for three weeks, and he begins to whisper in the halls to his comrades. Suspicion builds and the grapevine begins to circulate rumors: "I hear the company is closing," or "I heard we are merging" or "I heard that we are headed for a 20% lay off" or "I heard that the company is in big trouble" and so on. The fear, doubt, worry and anxiety begin to build. People are not sure what is going on, but all they know is that it must be big, and they are nervous . . . very, very nervous!
Change efforts are delicate, and they require finesse . . . they can't be taken lightly, and they must be communicated from the top to the bottom of the organization. I believe that the key to success during any change initiative includes three very important aspects:
1) Communication- Communication needs to be clear, consistent and repeated again and again. Repeat the communication until you hear yourself and others saying "Okay, okay . . . we got it . . . we are tired of hearing about it . . . we are on it!" Communicating a change takes time for people to really hear it. The have to roll it over in their minds, talk about it with others and get clear about what's what. The first time employees hear about a change, they are usually hearing it through filters of fear, doubt, worry, and confusion. So . . . don't expect them to get it the first time, and by all means . . . don't send it in a memo! Use verbal communication . . . talk to them, talk to your managers, talk to your team, and keep repeating the message again and again.
2) Gain Commitment - During a change initiative, it is critical for a company to gain buy-in from everyone in the organization. You want each person in the company to support the change and to feel as if they have been a part of planning the change initiative. Empower your employees by inviting them to collaborate during the change. The "town meeting" format is perfect for this purpose and coupled with smaller management meetings. This approach can provide an open forum for people to be able to clear (a form of venting which is highly constructive . . . allow for 10 minutes of clearing in the beginning of each town meeting,) ask questions and above all to allow their ideas to be heard and implemented.
3) Coaching - Emotions will be running high during a period of transition, and I believe that coaching for the entire organization during this time is not a luxuryit is a requirement. Managing people during change is one thing but managing their emotions is an entirely different animal. It requires listening, empathy and the giving of time. Coaching during change can support an organization in building teamwork and can foster a sense of support and trust. As thought leader Phil Harkins, President of Linkage, Inc and author of Powerful Conversations: How High Impact Leaders Communicate says "The organizational change coach operates like a free safety-a term for the player who can move freely around the field as the play requires. In other words, the coach must be able to work when and where the need arises, in order to facilitate the shift that is taking place." From The Art and Practice of Leadership Coaching by Howard Morgan, Phil Harkins, and Marshall Goldsmith.
Copyright (c) 2007 Bea Fields Companies, Inc.
This article was authored by Bea Fields. Fields is an Executive Coach and the President of Bea Fields Companies, Inc. (http://BeaFields.com). Fields specializes in leadership and team development and in generational issues in the workplace. She is the chief principal of The Gen Y Project and the author of Edge: A Leadership Story (http://Edge-Book.com).Live Mortgage Leads
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This is a question I hear from business leaders every day . . . yet the question often comes to me after the fact . . . when people are up in arms and ready to bolt. A change can be something as simple as new stationery or as tumultuous as a merger or acquisition, and while the change is often seen by top leadership as necessary to move ahead of aggressive competitors, this is not always the case for employees. Why? I believe the answer is this: Your employees are not angry about the change itself . . . they are angry because they are often the last to hear, you did not get their buy-in, their vote didn't count , and bam . . . Trust is shattered!"
Imagine this: During a strategic planning meeting, the executive team of a large technology company makes the decision to launch a new product line and ditch an existing one. Ditching the existing product line means that a few talented employees will become obsolete, and the new product line will require a new pool of talent. The executive team chooses to "keep this quiet" until they are ready to launch (yeah right!) They begin to meet after hours in a locked room to discuss their plans. As human behavior often teaches us, it is very hard to keep a secret when you know you have one inside you. So . . . Sally Smith, CIO, makes the decision to tell one person outside the executive team: "I have something to tell you, but you have to promise not to tell anyone" (yeah right . . . again.) In addition, the janitor knows something's up . . . he cleans after hours and sees the big dogs locked in a room every night for three weeks, and he begins to whisper in the halls to his comrades. Suspicion builds and the grapevine begins to circulate rumors: "I hear the company is closing," or "I heard we are merging" or "I heard that we are headed for a 20% lay off" or "I heard that the company is in big trouble" and so on. The fear, doubt, worry and anxiety begin to build. People are not sure what is going on, but all they know is that it must be big, and they are nervous . . . very, very nervous!
Change efforts are delicate, and they require finesse . . . they can't be taken lightly, and they must be communicated from the top to the bottom of the organization. I believe that the key to success during any change initiative includes three very important aspects:
1) Communication- Communication needs to be clear, consistent and repeated again and again. Repeat the communication until you hear yourself and others saying "Okay, okay . . . we got it . . . we are tired of hearing about it . . . we are on it!" Communicating a change takes time for people to really hear it. The have to roll it over in their minds, talk about it with others and get clear about what's what. The first time employees hear about a change, they are usually hearing it through filters of fear, doubt, worry, and confusion. So . . . don't expect them to get it the first time, and by all means . . . don't send it in a memo! Use verbal communication . . . talk to them, talk to your managers, talk to your team, and keep repeating the message again and again.
2) Gain Commitment - During a change initiative, it is critical for a company to gain buy-in from everyone in the organization. You want each person in the company to support the change and to feel as if they have been a part of planning the change initiative. Empower your employees by inviting them to collaborate during the change. The "town meeting" format is perfect for this purpose and coupled with smaller management meetings. This approach can provide an open forum for people to be able to clear (a form of venting which is highly constructive . . . allow for 10 minutes of clearing in the beginning of each town meeting,) ask questions and above all to allow their ideas to be heard and implemented.
3) Coaching - Emotions will be running high during a period of transition, and I believe that coaching for the entire organization during this time is not a luxuryit is a requirement. Managing people during change is one thing but managing their emotions is an entirely different animal. It requires listening, empathy and the giving of time. Coaching during change can support an organization in building teamwork and can foster a sense of support and trust. As thought leader Phil Harkins, President of Linkage, Inc and author of Powerful Conversations: How High Impact Leaders Communicate says "The organizational change coach operates like a free safety-a term for the player who can move freely around the field as the play requires. In other words, the coach must be able to work when and where the need arises, in order to facilitate the shift that is taking place." From The Art and Practice of Leadership Coaching by Howard Morgan, Phil Harkins, and Marshall Goldsmith.
Copyright (c) 2007 Bea Fields Companies, Inc.
This article was authored by Bea Fields. Fields is an Executive Coach and the President of Bea Fields Companies, Inc. (http://BeaFields.com). Fields specializes in leadership and team development and in generational issues in the workplace. She is the chief principal of The Gen Y Project and the author of Edge: A Leadership Story (http://Edge-Book.com).Live Mortgage Leads
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Adverse Credit Secured Loans: A Chance To Fulfill Needs
Published by mortgage-lead-networkzglvcwpc.
The credit rating of a borrower is a deciding factor for the approval of a loan. Adverse credit can lead to a bad impact on the lender such that he may reject the loan. In such situations, the best option is to go for adverse credit secured loans.
Adverse credit may be a result of missed repayments, CCJs, defaults, arrears, or a bad credit score. A detailed credit report can be obtained by a borrower free of cost by agencies like Fair Isaac Credit Organisation. In the FICO credit scale, a score of less than 600 is considered to be bad. Borrowers having a credit score less than 580 are considered to be more of a risk to lend money. But this is not a problem with adverse credit secured loans.
Adverse credit secured loans can be used for any purpose of the borrower like home improvement, debt consolidation, car purchase, college education funding etc.
To borrow adverse credit secured loans, an asset has to be placed as collateral. This asset can be a home, a car, stocks, bonds etc. The purpose of the asset is to assure the lender of bad credit secured loan about the repayment of his money. High equity collateral helps in getting a low rate of interest for adverse credit secured loans. Also, high equity collateral helps in getting a higher amount approved for the loan.
Adverse credit secured loans help the borrower in taking up an amount in the range of 5000-75000. The repayment term of the loan is from 5 years to 25 years. The amount approved for the adverse credit secured loans depends upon the equity in the collateral.
An online search can do wonders in getting a good deal for adverse credit secured loans. Proper research and comparison can help the borrower in getting low rates of interest for the deal.
Adverse credit secured loans provide another chance to adverse credit borrowers so that they can manage their finances better. Money is provided to them in times of need which makes adverse credit secured loans a suitable choice to make.
Simon Peyton has done his masters in finance from CPIT. He works for the Loans Fiesta. For any type of loans as Adverse Credit Secured Loans, unsecured debt consolidation loan, secured loan uk,secured homeowner loan in uk please visit http://www.loansfiesta.co.ukLive Mortgage Leads
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Scholarships, Bursaries, And Grants: How To Pay For School
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You want to go to college or university. You want to get a fantastic, well-paying job. In the meantime, however, you are stuck with a bill for thousands of dollars. Where are you going to get the money?
Get a Scholarship
You can get scholarships for many different things. Some scholarships are available through academic achievement. Other scholarships are available for sports. Some schools offer you scholarships simply for attending. Sometimes you have to search for scholarships. Talk to your guidance counselor, or your schools department of awards and financial aid for information on how to find and apply for scholarships. (You can also check out The Guide to Student Loans--link below--for more information).
Get a Bursary
Bursaries are like scholarships, but they often require you to prove that you need financial aid. Sometimes it is simple to prove financial aid (by bringing in proof that your income doesnt meet your needs to pay tuition and living expenses). Other times you have to go through a more strenuous application process where you have to have your parents financial information as well.
Unlike scholarships, which are sometimes offered without you even applying, you typically have to apply for any bursary that you want. You can find bursaries online at scholarship sites, or you can find them through your high school or college.
Get a Grant
Grants are typically given to upper year students or students who are writing a thesis or dissertation. Grants are not like scholarships. For scholarships, you send in your resume or curriculum vitae and you hope that an organization will give you money based on your previous success record. For grants, you have to send in your resume and CV as well, but you also have to write a proposal. In your proposal, you explain what work you intend to do. You might then get a grant based on your proposal. Grant-writing tends to be much more involved than scholarship applications. You can get grants from the government, from your school, and from third party organizations.
Get a Fellowship
Upper year students and graduate students can also often apply for a fellowship. A fellowship means that you will be filling a position at the school. This typically means that you deliver a lecture or two, or sometimes teach a course. Each fellowship position is different. Fellowships are competitive, but worth the application. They will in turn look good on your curriculum vitae.
Get a Job
If applying for grants, scholarships, and bursaries is not your cup of tea, consider going to school part time and working part time. You might also be able to fit a small part time job in on top of your full-time coursework.
You can often get a job on campus that will help you to better balance your work and school. Can you work in your department?
Not only can you work on campus, you could choose to work at a job that supports your studies. If you are a great student, consider tutoring. If you are studying theatre, get a job at the box office. If you are in sciences, see if there are any laboratory positions available. You can work as a research assistant in almost any department at a university. Will they pay you to co-ordinate student volunteer programs or to run the childcare center? Finding employment during college can be easy and fun.
Get a Loan
Anyone can successfully obtain a student loan. You just want to make sure that you get the loan thats right for you. You want the best rates, the best package, and the best deal. To sort yourself through the maze of student loans (graduate student loans, parent loans for students, student loan consolidation, international student loans and much more) visit The Guide to Student Loans (link below).
With all of the options on how you can pay for your post-secondary education, its no wonder that more people are going to college and university now. It might seem daunting at first, but narrow your options and choices to find out the best way to pay for your university funding, and you will be one step closer to your degree!
Morgan James is the editor of http://www.theguideto-studentloans.com/types_of_student_loans/. For more information on how to pay for your degree, check out The Guide to Student Loans information on types of loans, budgeting for school, and studying abroad.Live Mortgage Leads
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Get a Scholarship
You can get scholarships for many different things. Some scholarships are available through academic achievement. Other scholarships are available for sports. Some schools offer you scholarships simply for attending. Sometimes you have to search for scholarships. Talk to your guidance counselor, or your schools department of awards and financial aid for information on how to find and apply for scholarships. (You can also check out The Guide to Student Loans--link below--for more information).
Get a Bursary
Bursaries are like scholarships, but they often require you to prove that you need financial aid. Sometimes it is simple to prove financial aid (by bringing in proof that your income doesnt meet your needs to pay tuition and living expenses). Other times you have to go through a more strenuous application process where you have to have your parents financial information as well.
Unlike scholarships, which are sometimes offered without you even applying, you typically have to apply for any bursary that you want. You can find bursaries online at scholarship sites, or you can find them through your high school or college.
Get a Grant
Grants are typically given to upper year students or students who are writing a thesis or dissertation. Grants are not like scholarships. For scholarships, you send in your resume or curriculum vitae and you hope that an organization will give you money based on your previous success record. For grants, you have to send in your resume and CV as well, but you also have to write a proposal. In your proposal, you explain what work you intend to do. You might then get a grant based on your proposal. Grant-writing tends to be much more involved than scholarship applications. You can get grants from the government, from your school, and from third party organizations.
Get a Fellowship
Upper year students and graduate students can also often apply for a fellowship. A fellowship means that you will be filling a position at the school. This typically means that you deliver a lecture or two, or sometimes teach a course. Each fellowship position is different. Fellowships are competitive, but worth the application. They will in turn look good on your curriculum vitae.
Get a Job
If applying for grants, scholarships, and bursaries is not your cup of tea, consider going to school part time and working part time. You might also be able to fit a small part time job in on top of your full-time coursework.
You can often get a job on campus that will help you to better balance your work and school. Can you work in your department?
Not only can you work on campus, you could choose to work at a job that supports your studies. If you are a great student, consider tutoring. If you are studying theatre, get a job at the box office. If you are in sciences, see if there are any laboratory positions available. You can work as a research assistant in almost any department at a university. Will they pay you to co-ordinate student volunteer programs or to run the childcare center? Finding employment during college can be easy and fun.
Get a Loan
Anyone can successfully obtain a student loan. You just want to make sure that you get the loan thats right for you. You want the best rates, the best package, and the best deal. To sort yourself through the maze of student loans (graduate student loans, parent loans for students, student loan consolidation, international student loans and much more) visit The Guide to Student Loans (link below).
With all of the options on how you can pay for your post-secondary education, its no wonder that more people are going to college and university now. It might seem daunting at first, but narrow your options and choices to find out the best way to pay for your university funding, and you will be one step closer to your degree!
Morgan James is the editor of http://www.theguideto-studentloans.com/types_of_student_loans/. For more information on how to pay for your degree, check out The Guide to Student Loans information on types of loans, budgeting for school, and studying abroad.Live Mortgage Leads
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They Are All Motivated Sellers
Published by mortgage-lead-networkzglvcwpc.
The importance of finding motivated sellers is stressed by almost every real estate guru out there. Of course it is ideal if you can find that seller who just wants to get rid of his property no matter what - and fast! All sellers have their own motivations, though, and you can make a better deal out of any property if you learn what those motivations are and use them in your negotiating.
In a sense, a seller is a motivated seller the moment he puts that "for sale" sign out. You know then that he is motivated to sell, but the important question is why he is selling. Beyond that, you want to try to learn the seller's motivations for every other aspect of the process too. Why does he want to sell a particular way, for example, why does he want the price he is asking, and what's important to him when making decisions.
Watch for personal motivators that are a part of his or her personality, too. Note whether the seller is more motivated by what she reads or by what she hears. Does he seem more motivated by the promise of a fast sale, or a high price? Listen to what sellers say for clues.
Making More Motivated Sellers
Normally, when a seller continually says, "I see," he is more visually oriented and motivated. In that case you want to show such a seller the advantages of your offer. You don't want to just explain your offer. With this seller you would point out on paper why it can work for you both.
Suppose you hear statements like "I just don't want any problems," or "I just want to be done with this." Of course this indicates a classic motivated seller, but more specifically it indicates the seller is more motivated to avoid stress than by positive goals. This means you would want to make the process as easy as you can for the seller. You might also drop hints that this is her chance to "be done" with selling.
Start gathering information on the seller's motivations early in your real estate negotiations, then decide how to use this information. How do you use it. Follow the examples above, and think about each factor. Suppose the seller likes to see himself as a shrewd negotiator. Let him "win" a lot of small concessions during negotiations, in order to get what you need most.
When you tap into a seller's own motivators, you make him into a more motivated seller. You should even use their own words. If a seller says "I understand" quite often, then start a statement with "I think you understand why..." Their words mean more to them than yours.
Search for any specific motivations involved. For example, if you learn that a buyer of your house wants to be able to tell his friends what a great price he got, maybe you can let him have it, and push hard on every other area. You could get the terms you want, have him pay all the closing costs, etc. Have the attitude that if he'll give you what you want, he'll get what he wants.
You have certainly heard of win-win negotiating. It is one of the most important principles of real estate investing. To let the seller "win," though, you have to learn what winning means to him. Then you have to use what you learn. that's how you make all sellers into more motivated sellers.
Copyright Steve Gillman. Visit his website for:Live Mortgage Leads
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In a sense, a seller is a motivated seller the moment he puts that "for sale" sign out. You know then that he is motivated to sell, but the important question is why he is selling. Beyond that, you want to try to learn the seller's motivations for every other aspect of the process too. Why does he want to sell a particular way, for example, why does he want the price he is asking, and what's important to him when making decisions.
Watch for personal motivators that are a part of his or her personality, too. Note whether the seller is more motivated by what she reads or by what she hears. Does he seem more motivated by the promise of a fast sale, or a high price? Listen to what sellers say for clues.
Making More Motivated Sellers
Normally, when a seller continually says, "I see," he is more visually oriented and motivated. In that case you want to show such a seller the advantages of your offer. You don't want to just explain your offer. With this seller you would point out on paper why it can work for you both.
Suppose you hear statements like "I just don't want any problems," or "I just want to be done with this." Of course this indicates a classic motivated seller, but more specifically it indicates the seller is more motivated to avoid stress than by positive goals. This means you would want to make the process as easy as you can for the seller. You might also drop hints that this is her chance to "be done" with selling.
Start gathering information on the seller's motivations early in your real estate negotiations, then decide how to use this information. How do you use it. Follow the examples above, and think about each factor. Suppose the seller likes to see himself as a shrewd negotiator. Let him "win" a lot of small concessions during negotiations, in order to get what you need most.
When you tap into a seller's own motivators, you make him into a more motivated seller. You should even use their own words. If a seller says "I understand" quite often, then start a statement with "I think you understand why..." Their words mean more to them than yours.
Search for any specific motivations involved. For example, if you learn that a buyer of your house wants to be able to tell his friends what a great price he got, maybe you can let him have it, and push hard on every other area. You could get the terms you want, have him pay all the closing costs, etc. Have the attitude that if he'll give you what you want, he'll get what he wants.
You have certainly heard of win-win negotiating. It is one of the most important principles of real estate investing. To let the seller "win," though, you have to learn what winning means to him. Then you have to use what you learn. that's how you make all sellers into more motivated sellers.
Copyright Steve Gillman. Visit his website for:Live Mortgage Leads
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How to take Bad Credit Personal Loans at better terms
Published by mortgage-lead-networkzglvcwpc.
You should not be overtly worried about your past blemish credit history in availing a new loan. Bad credit is seldom a big hurdle for the borrower and the lenders as well. This is mainly because of growing competition in the loan marketplace. There are not plenty of lenders who offer bad credit personal loans for any purpose like home improvements, buying a brand new dream car, for clearing past debts, meeting wedding or holiday expenses and so on.
Usually lenders like to take the bad credit borrowers home or any property that has good value in the market, as collateral. Once you have offered your property as collateral, getting any amount of loan becomes easier as you have cut risks for the lenders. Secured bad credit personal loans are thus offered without may enquires to people who defaulted on payments in past, made late payments, have arrears or county court judgments. The advantage of secured bad credit personal loans is its competitive rate of interest. Also you can borrower greater loan for larger repaying duration of say 25 years.
Unsecured bad credit personal loans are approved without collateral. Interest rate however goes higher with every drop in credit score. So check your credit score first. You would be given smaller amount ranging up to ₤25000 for 5 to 10 years of repaying duration. Make sure to check you credit score and also make efforts to first improve it a bit by paying of some outstanding debts. This way you get bad credit personal loans at desired rate.
You can locate many bad credit personal loans lenders on internet who claim to be having a suitable deal. Take rate quotes first. Compare lenders for individual interest rates. You will sure come across a lender offering you the loan at better interest rate.
Tess Ocean has been associated with Online Personal Loans UK.To find Bad Credit Personal Loans, Bad credit personal loan online, Online bad credit personal loans UK, UK online bad credit personal loan visit http://www.onlinepersonalloansuk.co.uk/Live Mortgage Leads
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Usually lenders like to take the bad credit borrowers home or any property that has good value in the market, as collateral. Once you have offered your property as collateral, getting any amount of loan becomes easier as you have cut risks for the lenders. Secured bad credit personal loans are thus offered without may enquires to people who defaulted on payments in past, made late payments, have arrears or county court judgments. The advantage of secured bad credit personal loans is its competitive rate of interest. Also you can borrower greater loan for larger repaying duration of say 25 years.
Unsecured bad credit personal loans are approved without collateral. Interest rate however goes higher with every drop in credit score. So check your credit score first. You would be given smaller amount ranging up to ₤25000 for 5 to 10 years of repaying duration. Make sure to check you credit score and also make efforts to first improve it a bit by paying of some outstanding debts. This way you get bad credit personal loans at desired rate.
You can locate many bad credit personal loans lenders on internet who claim to be having a suitable deal. Take rate quotes first. Compare lenders for individual interest rates. You will sure come across a lender offering you the loan at better interest rate.
Tess Ocean has been associated with Online Personal Loans UK.To find Bad Credit Personal Loans, Bad credit personal loan online, Online bad credit personal loans UK, UK online bad credit personal loan visit http://www.onlinepersonalloansuk.co.uk/Live Mortgage Leads
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Does Bad Credit Affect Applications For Mortgages?
Published by mortgage-lead-networkzglvcwpc.
Bad Credit is another way of describing a negative credit score. A credit score can be either good or bad and is used by lenders to determine whether you are likely to be able to keep up the payments on something like a mortgage.
Your credit score is calculated using a mathematical formula and information from banks or lenders from who you have had a loan of some sort. The formulae and reports consider your bill-paying (credit) history and compare it alongside the credit history of millions of other people. The resulting figure is used as a risk assessment by potential lenders. This in turn can have either a negative or positive effect on your future borrowing.
A good credit score will typically be given when someone has borrowed money, but made all the payments back and on time, without any defaults. This person will be looked at as a potentially desirable customer as there is little risk involved in their paying back the loaned money. Applications for loans, or remortgage and mortgage applications, should be approved relatively quickly and a good rate of interest offered.
A bad credit score will typically be given to someone who has been unable to make payments on time in the past. They may have defaulted on a loan, had a County Court Judgement made against them or even been declared bankrupt. Credit cards, existing loans and other indications of your bill-paying history can be taken into consideration, generally over a two-year period, although bankruptcy can influence a credit score for much longer.
Current and potential earnings are also factors that help determine a credit score. Lenders for such things as a mortgage or remortgage will view anyone with bad credit as a potential risk and the interest rates offered will usually reflect that risk by being much higher. Some applications may even be turned down.
Some lenders specialise in bad credit mortgage arrangements or remortgage schemes for those with bad credit histories, but it is advisable to research the intricacies of these propositions before going ahead with them. Different lenders operate different policies and it is worth shopping around to see if they offer facilities to pay more when finances allow, or even so-called payment holidays.
As the credit score is based on ever-fluctuating factors, it is possible for someone with bad credit to alter their score over a period of time and affect it positively, thereby lessening themselves as a risk in the eyes of lenders. Careful financial management is required: the meeting of repayments on time, paying off outstanding debts and generally keeping an eye on all things financial can raise a bad credit score into the positive bracket.
A copy of your current credit score is obtainable and it should be checked to see that the information determining a score is accurate. Some people with bad credit may be suffering unnecessarily under the influence of debts that have actually been paid off or even discover themselves to be the victims of identity theft, where someone else is using their bank details for their own purposes consequently damaging their credit score as well as stealing from them.
Tom Mead is a qualified mortgage advisor writing http://www.crystalclearhomeloans.co.uk/NEWS/news.html mortgage news editorial helping people http://www.crystalclearhomeloans.co.uk remortgage with adverse credit.Live Mortgage Leads
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Your credit score is calculated using a mathematical formula and information from banks or lenders from who you have had a loan of some sort. The formulae and reports consider your bill-paying (credit) history and compare it alongside the credit history of millions of other people. The resulting figure is used as a risk assessment by potential lenders. This in turn can have either a negative or positive effect on your future borrowing.
A good credit score will typically be given when someone has borrowed money, but made all the payments back and on time, without any defaults. This person will be looked at as a potentially desirable customer as there is little risk involved in their paying back the loaned money. Applications for loans, or remortgage and mortgage applications, should be approved relatively quickly and a good rate of interest offered.
A bad credit score will typically be given to someone who has been unable to make payments on time in the past. They may have defaulted on a loan, had a County Court Judgement made against them or even been declared bankrupt. Credit cards, existing loans and other indications of your bill-paying history can be taken into consideration, generally over a two-year period, although bankruptcy can influence a credit score for much longer.
Current and potential earnings are also factors that help determine a credit score. Lenders for such things as a mortgage or remortgage will view anyone with bad credit as a potential risk and the interest rates offered will usually reflect that risk by being much higher. Some applications may even be turned down.
Some lenders specialise in bad credit mortgage arrangements or remortgage schemes for those with bad credit histories, but it is advisable to research the intricacies of these propositions before going ahead with them. Different lenders operate different policies and it is worth shopping around to see if they offer facilities to pay more when finances allow, or even so-called payment holidays.
As the credit score is based on ever-fluctuating factors, it is possible for someone with bad credit to alter their score over a period of time and affect it positively, thereby lessening themselves as a risk in the eyes of lenders. Careful financial management is required: the meeting of repayments on time, paying off outstanding debts and generally keeping an eye on all things financial can raise a bad credit score into the positive bracket.
A copy of your current credit score is obtainable and it should be checked to see that the information determining a score is accurate. Some people with bad credit may be suffering unnecessarily under the influence of debts that have actually been paid off or even discover themselves to be the victims of identity theft, where someone else is using their bank details for their own purposes consequently damaging their credit score as well as stealing from them.
Tom Mead is a qualified mortgage advisor writing http://www.crystalclearhomeloans.co.uk/NEWS/news.html mortgage news editorial helping people http://www.crystalclearhomeloans.co.uk remortgage with adverse credit.Live Mortgage Leads
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