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Part 1

This article is written from my own experiences, on the many problems facing South African based internet marketers. As a South African, myself, I have been trying to establish myself in internet marketing, for the last three years, but have come across a number of obstacles, which have proved seriously detrimental to my efforts. If you are South African, you can probably relate to this. If you have been battling what seem insurmountable odds, or if you are new to this concept, the message is the same. Stop wasting your time and your money on what is bound to be nothing less than - wasting your time and your money and I will explain why I said that. If you are an internet marketer, who is not South African, you should also read this article, because you are, unwittingly, leaving a lot of money on the table.

As we all know, South Africa is a part of Africa and is unfairly considered as a third world country, with the incorrect perception that this second largest continent, is nothing more than a waste of time, in the field of internet marketing. Well, I beg to differ. I will attempt to outline some of the misconceptions, obstacles, causes and remedies that I have encountered.

Yes, it is true that Africa has not progressed as much as the so called first world countries, but it is taking giant strides towards that. The advent of the internet, is only just beginning to catch on and the vast majority of the population, still have no access at all, but it is coming and it is coming fast. The internet is now available in all countries around the world and Africa is no different. We all know about the Nigerian internet scams. It is just that the vast majority of the population are poverty stricken and cannot afford the service, many are illiterate and the majority of the continent consists of large open spaces and small villages, making the physical provision of any basic services such as electricity, clean water, telephones and other communication devices extremely difficult. It is also an ongoing problem, where these desperate people steal cables and anything that can be traded for a meal. So, at this stage the internet is only available in the bigger metropolitan areas. It makes sense, doesn't it? Imagine how easy it is to supply services to a very densely populated area like England and where everyone is literate, in a fixed abode and living above the poverty line.

South Africa is the most technically advanced country in Africa and not far behind the standards of the other technology rich countries, but we are seriously lacking in internet technology. The internet is still very new to South Africa and has only just begun to catch on. It is experiencing a phenomenal growth rate and more and more businesses and individuals are "hooking up". All of the major cities are able to offer various means of connection such as ADSL, bluetooth, wireless and people are getting connected on their pcs, laptops and cellphones. The rural areas are battling to get connected and the only option available to them at this stage is the old antiquated dial up system using a telephone line, or via satellite. Promises have been made by government, that in a few years, everyone will be able to get a telephone and therefore, will have internet access available to them. This represents an enormous potential for wary marketers.

This is the overview of the situation with internet access in Africa and more particularly, South Africa. In the next article, we will look at some of the problems faced by South African users and the effects they have on internet marketing.

Part 2

Recent political changes, have reversed the fortunes of the South African population, in that the previously disadvantaged black community, now have money and the fine things in life, including access to the internet. Whereas before they wouldn't have been considered a viable market, they are now able to access the internet and dabble in small business. They want more. The whites, on the other hand, now find themselves out of work, unsure of the future and desperately seeking an alternative means of income. Both groups make good target markets, and both are particularly keen on using the internet to improve their lot in life. Remember, the internet is the biggest employer in the world and does not recognise age, colour, education, physical disabilities, wealth etc. People hear of the successes achieved on the internet and are fooled into looking for a quick fix. The internet and marketing via this medium, gives everyone an equal opportunity, well, almost everyone. Not South Africans, unfortunately.

Something like 70% of the S.A internet community, access the internet on the computers at their places of employment and as much as two hours each workday, is lost to private usage of the internet. Obviously these people are not all looking for ways to make money, but a large percentage are. These people who are newly exposed to all the hype on the internet are easily sucked in to believing the sales pitch. A lot of money is being spent on all sorts of junk and causing many heartbroken families. I was like that too. I firmly believed I could make a lot of money on the internet and set about joining all sorts of schemes. They do not work, but these desperate and nave people don't know that. Imagine if it was possible to guide them, to channel all that energy and curiosity and of course all that money into your bank account? If those people all trusted you and listened to your advice, if you were able to develop well thought out plans and business opportunities? If those people all joined your membership site?

One of the biggest drawbacks in S.A is that the internet and allied services are still very expensive and difficulty in finding a good service provider. Other first world countries have direct, fast, unlimited service at very reasonable prices and if they do experience problems with the service provider, there are plenty of others to try. According to a recent survey, something like 70% of all internet users, regularly access the 'net from their places of employment. The employer provides pcs and internet for business purposes and these curious people cheat their employers, by using his service for private usage. People send emails to friends, go shopping, download files, look at pornography, play games, gamble and read classifieds and other adverts for a better job, or an easy method of earning more money. From this survey it was estimated that as much as 85% of this target group were looking for self employment opportunities. Now, that's a lot of people! If the price of internet access was cheaper, all these people would use it at home. In fact, most do have internet access at home, but due to small caps on their usage and exorbitant prices, they rather use the employer's service. My point is that millions are searching for opportunities on the internet and the fact that crime is rampant only makes them more determined, to start a business from home. This is a huge potential for marketers. So what is the problem? Why are more South Africans actively getting involved? In the next article, we will start looking at these problem areas.

Part 3

As the internet is still relatively new to South Africa, we don't have many experts, or experience in the field. Those calling themselves experts, have only a limited knowledge and are far too expensive, when compared to overseas competitors. Simple things like service provision, web hosting, design and site building, software, tools, optimisation and advertising, are grossly overpriced. In most cases, they are bought overseas and resold here. I was given a quote, last month, of R120 ($17) per month, for basic, small webhosting service, excluding the domain registration and excluding the internet service provision. That was only the hosting! I was quoted R6000 ($857) for a designer, to look at one of my websites and to make a couple of small changes. It is crazy. We pay between R8 and R12 for an mp3 song, which costs from 10c to 90c in the U.S.A.

The state owned telecommunications company, Telkom, have the monopoly and squash all opposition. This has led to very highly priced access and an indifferent service. Nearly all packages offered by them, or sub contactor service providers, are restricted and capped. The actual service, the technical help and the customer relations are dreadful. The dial up service is very unreliable, the speeds are far lower than advertised, due to the poor state of the physical 'phone lines and the modems cost the earth. Take the U.S.A for example, where there are something like 800 million people with regular access and hundreds of competitors all offering better prices. The internet is a way of life and the huge speeds and download capabilities are taken for granted. In South Africa only something like 27 million have any form of access, largely due to the high costs. I got a quote from Telkom last week for satellite service. The basic installation cost is R3100 ($443), paid upfront. The monthly rental for the satellite service, capped at 3 Gigs, is R1263 ($180) and I still need a service provider who comes in at a basic charge of R284 ($40) plus consumption and of course I still need to keep my basic phone service for R110 ($16) plus call usage. Once the cap is reached, the service is suspended and additional packages can be purchased for R120 ($17) per 250 Megs. So in all it will cost me, monthly, around R2317 ($331) for a basic internet service of 4Gigs and a phone at home. Obviously there are cheaper options available in the cities, but living out of town, there is no choice. By the way, a friend living in the U.S.A got a similar quote for only $40 (R280) per month and his service boasted more facilities and no capping whatsoever.

For some reason, probably the old apartheid days, South Africa was boycotted by the wealthy first world countries and nobody has told them yet, that times have changed. South Africans suffer many discriminatory obstacles in the use of the internet and over the last few years, I have repeatedly been stumped by these. I have two messages of advice here. To the frustrated, aspirant South African marketers and those who will follow shortly, stop and listen. Do not waste more time and money trying all sorts of offers, you will not succeed. Rather use the time to brush up on your skills. Select a market niche and learn to use control panel, FTP, html, php, hyperlinks and all the other things, that will help you to run your business. Wait for the solution. I have enlisted the help of two of the world's top marketers to find a way around the problems, for you. To the marketers who are knowingly, or unknowingly discriminating against certain countries, you are leaving money on the table and missing out on a huge potential market. But, that's okay, I'll take it. These are some of the more general problems experienced by South Africans. In the next article, we will look at some of the specific problems affecting our marketing abilities.

Part 4

By now, you are probably wondering what other problems I'm talking about and how they are affecting our chances of success. If you have been involved for a while, you have probably encountered a few of these yourself and if you are a newbie, you are likely to still come across these problems soon.

There are obvious generalities that exclude South Africans from participating. We joined about 163 survey companies, when we first started out on the internet. We soon found out that most were American companies and only for Americans. That makes sense, when the product, or service being rated is only available there, but why do they mislead us and take our money. You must have seen the misleading ads about how quick and easy it is to earn money by doing simple surveys. A lot of them claim to be international, for anybody who understands English. The same thing happens. You are invited to do the survey, but as soon as you type in your address, you are told it is not available in your area. We wasted a lot of money on these. The foolproof unconditional money back guarantees are a lot of hogwash. Just ignore them.

The same thing happened with the typing services. My wife joined a few of them, with the promise, that as long as she had a basic working knowledge of English, no experience was necessary. Money as easy and fast to earn, on simple assignments. Well, she wasn't given any assignments and on enquiring as to the reason, she was told that we spell differently. That was not ever mentioned at the time of joining and was also money wasted. For Pete's sake, we speak and spell correctly. It is the Americans who changed the language.

We also joined a lot of companies who promised to pay us for surfing and reading emails. We worked our butts off and eventually, after almost a year, had earned a whopping $247000! We tried to cash in, but were then told that no cheques could be issued. Monies were only paid into American bank accounts. They said they were an international company and anyone in the world could join. But, not get paid.

We often see special promos on free hosting, free domain registration and other all too important services. All looks great from the outside, but as soon as we apply we find out that we are unfortunately not eligible. I don't know how many times I have won prizes. Cash, free products, a trip, ocean cruises, but on trying to claim them, I'm told they don't apply to South Africans.

Very often, freebies are included to sweeten a deal. I joined a music site for mp3 downloads. The price was inclusive of a whole bunch of bonuses. I was to get meal tickets, petrol (gas) coupons, membership of some or other club, discounts on shopping, blah, blah, blah. Needles to say, I joined and paid full price, but never got any of the goodies that all my American counterparts received. I am very into music and 2 years ago I purchased Music Match Jukebox, with free updates for life, access to the online music shop and full usage of something I think was called Radio Gold. It was full access to 150 live radio stations. After I received my purchase, all I had was the jukebox and the promise of updates. On enquiry, I was told "Sorry, but this offer doesn't apply to you", but I paid the full price. Why don't they tell us before we pay? Why don't we get a discount? This seems to be common practice and apart from the obvious discrimination and disappointment is false advertising.

Anyway, these are some problems I have experienced, but not really connected in any way to our functionality at internet marketing. What are the problems facing South African marketers? More in the next article.

Part 5

We have covered quite a few problems facing South Africans already and here are some more.

Overseas companies, particularly those in the U.S.A, offering opportunities, services and resources, usually require a fixed email address, at the time of joining. This is to prevent temporary accounts and others such as Hotmail, from being used, as it is very easy to cancel, or change, after joining and the marketer is left with a useless address, in his contact list. South Africans have another problem, in that most of our suffixes, such as .co.za, telkomsa, za, are not allowed. Usually your country is required and many of the drop down menus have small, insignificant countries such as Zimbabwe, Malawi, Mauritius, Ivory Coast listed, but not South Africa. So we have to get ourselves an email address with an overseas company, just to comply. Why?

We, as South Africans, have no shopping carts, or payment processors, suitable for international use, or integration, into overseas websites and the biggest culprit is PayPay. They are the first choice, worldwide and any marketer not offering PayPal, as a means of payment, is seriously disadvantaged. Why then, do they not deal with South Africa? Sure, you can make a purchase through them, but they will not collect monies for you, or allow you to make a withdrawal, if you are South African. Other smaller countries are catered for, but not S.A. There are other options, but none as popular. Most payments, affiliate plans and opportunities, pay through PayPal. I joined dozens of respected affiliate plans and spent a great deal of effort, on advertising, before I found out the truth.

A few months ago, I was experiencing the common problems all new marketers face. I knew what I wanted to do, but not how to actually get it done. I'm talking about the setting up, in order to start business. I needed a domain name, a website, content and products, a hosting service, a shopping cart, a mailing list facility, a form for grabbing visitor's details, a payment processor, or two, etc etc. You know what I'm talking about. There are so many options available. The web is full of them. Some are free, some cheap, some having special offers, but which was the best for my needs? Nobody tells you that sort of information. How much space do you need for a bookstore, how much bandwidth do you need for customer downloads? How does the speed affect you? I had played around a bit with wysiwyg editors and done a little html coding. I had used a couple of free websites and hey, the last one I built without their website templated builder. I thought I was getting good, but still a little out of my depth. That scared me a bit, so I decided to look for a ready made, turnkey business. They all say the only thing you need to do is to enter your password and account details, then sit back and watch the money roll in. Well I eventually found something that sounded ideal. It was expensive, but I thought I would be saving in the long run. I wanted to sell ebooks, articles, plr, courses and so on. I paid for this business, as I had seen the example and even test drove the shopping cart prior to purchase. Just when I thought I had found a shortcut to starting my business, the problems began. What problems? Read the next article to find out and to see the solution.

Part 6

We were talking about the problems I encountered after I had bought the bookstore. Well firstly, the whole bookstore was inphp with cpanel control panel, my sql and a whole lot of Greek terms. You remember I had worked with online and offline editors in wysiwyg and a little html. Well now I was lost. I was warned not to try to edit in an html editor, or I would corrupt the php. I had never used these before and couldn't understand why I couldn't find the pages, to edit them. Then I found that the currencies shown on the products were not compatible with the Rand, but I thought so what, I'll just sell in dollars. Then I found that PayPal was not an option. Damn, but hey, I could still use NoChex, or the other one, I forget the name. No way, Jose, those weren't allowed either. I had to have a banking account in USA or UK. I eventually got EGold to work, but how many people pay with gold? That bookstore is still sitting, gathering dust.

There are no local, South African internet companies, for memberships, product sourcing, resources, search engine optimisation etc, so we have to look abroad. Although these are offered reasonably, overseas, we are still subjected to the exchange rate. At present the rate is 7 to the $, 14 to the Pound and around 9 to the Euro, but even so, it is usually cheaper, than our own prices and of course you are spoilt for choice.

Training is another area seriously lacking. With all the conferences, seminars, teleseminars, video training and group discussions unavailable to us in S.A, how are we expected to learn and to keep abreast of developments? Dial up is not powerful enough and anyway it is limited to times between 7pm and 7am, which is a bad time, as even if you stay up all night, it is roughly midnight to midmorning in the States. So how do we learn?

So, with a very limited number of companies prepared to do business with us, with our lack of choice, with our very expensive internet service, with very little access to all the great offers, with our SA email addresses, with our antiquated dial ups, without access to genuine training videos, with the exorbitant exchange rate, with our different spelling, without any reciprocal banks or payment processors, without a compatible shopping cart, with the scams and rip offs and all the rest we have discussed, can South Africans ever hope to get involved in internet marketing?

The truth is rather bleak. Nobody is worried about us, or the problems we have and nobody seems to care. The big "guru" marketers don't seem to be able to think outside their statelines and regard us as a waste of time. They are happy to take our money, though. But wait, there does seem to be a solution for you. As I said earlier, I have teamed up with two of the world's top marketers and together, we are trying to resolve these issues. We will put together a complete, turnkey package deal, a ready to run business, with domain, hosting, website, content, decent affiliate plans, a stream of products, an exclusive membership, a working shopping cart and payment processor, training and ongoing support, a proven plan, optimisation, adsense and other monetised methods for those poor South Africans, who want to be marketers. The hardest part of having your own business, is setting it up and getting it working. You will be able to enter the market place and do very well for yourselves, with our help, so in the meantime, there are a few things you must do.

Familiarise yourself with market trends and choose a niche market, in which you want to trade. Start practicing the basics and learn how things work. Get your mind sorted out. Tell yourself you can do it and will change your life. Sign up to our newsletter and mailings. If you really want to finally realise your dreams, give up the job, work from home, earn a good income, have flexibility and satisfaction, and be competitive in the international arena, then there is only one way you are going to acquire this - through us.

To remain informed of our progress, by newsletter and mail, to get recommended tools and lessons and to start your journey to wealth, sign up here. It's free. Click this link : http://dersalsites.com/newsletter/

Derek Robson is an up and coming South African internet marketer, with a vision of empowering all fellow South Africans, to have equal opportunity and success on the internet. He has started a string of sites, resources, courses and articles as part of Dersalsites.Live Mortgage Leads
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Developing a Profitable Relationship.

You finally found that commercial property you want to buy - fantastic! Now what? All you need is the money and where do you get that? A commercial lender, of course. And here's the million dollar question - where do you find a lender you can trust, get the deal done, and with whom you enjoy dealing? You can go to the Internet and type "Commercial Mortgage Lender" into the search box and that will get you over 1.6 million options to look through. Doesn't seem like a good way to spend your time.

Another option may be your local bank, the one that knows everything about you including your financial history, current holdings, and existing bank account. Negotiating a favorable rate with your local bank is like playing poker while showing everyone else at the table your hand. You lose the edge, the bargaining power to get the best deal. This is not saying that your bank will purposely strike you a bad deal, but unless you are borrowing millions of dollars and are a regular source of volume, they have no truly compelling reason to give you their best rates. Besides they already have your money and unless you are going to borrow $10 Million or so it is probably just not worth their time.

While there are many different ways to go about financing a commercial property there is only one right place to start and that is with an experienced commercial mortgage broker. Someone that has sailed the commercial finance seas many times and knows the locations of all the rocks, waves, shallows, and pirates that will surely sink your ship. Realize that a mistake in commercial mortgage financing can cost you thousands or millions of dollars. These pitfalls include lockout periods, balloon payments, prepayment penalties, and resource loan structure.

A commercial mortgage broker is one of your strongest allies. Their job is to become intimately familiar with your financing needs and find solutions to meet those needs. They utilize their voluminous lender relationships to bring you the best deal possible based on your property type, financial situation, strategy, and timing. A broker has access to wholesale rates that are rarely offered to you, the consumer. Even the "preferred rates" offered by longtime contacts at your bank rarely compare as favorably.

Working with a bank for a commercial mortgage is similar to feeding the fat goldfish in your aquarium. They have come to expect food regularly provided them and will get around to eating when they are ready. On the other hand, working the commercial mortgage market through a broker is like dangling live bait over a shark tank. Lenders will go after the deal like a hungry shark, but you certainly don't want to be the one holding the bait. That's the job of your mortgage broker. The result will be the right deal for your situation and you didn't lose any fingers in the process (or your shirt for that matter). Notice I didn't say lowest rate, I said best deal. Often one's best financing option is not the lowest rate - more on that in another article.

Brokers are matchmakers - intermediaries. They bring together those who have with those who need. It is all about relationships. It is paramount for you to trust your broker. If you find it hard to have a relationship with your broker it is likely that others will have a hard time as well. If a broker can't understand you and your needs, they will not be of service to you or your needs. A broker must maintain relationships with you and with lenders. If they have a hard time establishing a relationship with you then what about their relationships with lenders? As with any business relationship, go in with your eyes open.

Bottom line is this. Give a broker a shot. On your next commercial loan take a little extra time and compare what a commercial broker can do with what the local bank can do. My bet is that you will find that the broker is the best bet and you may be on your way to developing a wonderfully profitable relationship with a mortgage industry professional.

Copyright (c) 2007 VEC Financial Group

Patrick BedallVoice Broadcasting
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Sundays Super Bowl is likely to be won by the team with the most rushing yardage. Winning the battle of the line of scrimmage is as basic it gets, but its also a tried and true method for victory. Last season the Patriots won the rushing battle 112-45 in their 24-21 win over the Eagles. The year before, the Pats outrushed Carolina 127-92 on their way to the title. Even in their stunning upset of the Rams five years ago, the Patriots won the rushing battle against Marshall Faulk and their strong St. Louis offensive line, 133-90.

This Super Bowl is so interesting because both teams love to run the football behind mammoth offensive lines and bruising running backs like Jerome Bettis and rushing champ Shaun Alexander. Both coaches, too, Mike Holmgren and Bill Cowher, have a propensity to run the football and take away the opponents running game. Both offensive lines are solid.

Seattle was third in the NFL averaging 153 yards rushing per game, while Pittsburgh was fifth averaging 139 yards per game. In the all important yards per carry, Seattle averaged 4.7 yards (second) while the Steelers averaged 4 yards per pop (12th).

One aspect of the game that could be key is that Seattle has faced only one good team all season (Dallas) that ran a 3-4 defense. So does Pittsburgh. In that game against the Cowboys, Shaun Alexander had his worst game of the season with 61 yards rushing on 21 carries. Seattle needed a late miracle in the final minute, and a timely Drew Bledsoe turnover, to win that game 13-10. You can bet the Seahawks have watched game film of that one again to try and figure out what they did wrong and what adjustments they need to make. Pittsburghs run-stuffers and quick, aggressive linebackers are as good as any in the league, and better than the Cowboys!

The Cowboys continually controlled the line of scrimmage by putting as many as nine defenders within 4 yards of the ball, even on passing downs. The Seattle offense, averaging 407 yards coming in to that game, finished with 289. In addition, QB Matt Hasselbeck was 23-of-42 for 224 yards, with one TD and two interceptions. Hell likely have to put up better numbers than that Sunday if Seattle is going to win a championship. Notice that Dallas RB Marion Barber ran for 95 yards on 22 carries in Julius Jones' place. The Steelers would love to repeat that kind of production with Jerome Bettis or Willie Anderson.

One final thought is the explosive war or words thats been going on. Seattle TE Jerramy Stevens took a foolish shot at Bettis, after which Pittsburgh LB Joey Porter retorted, I think we can go out there and beat them. Porter also added, "I've got my first taste of blood, and now I'm thirsty for more. Does anyone smell FIREWORKS? Said Seahawks coach Mike Holmgren when asked about the rhetoric between the two players, "You won't hear Jerramy say any more about it the rest of the week. Which means he told Stevens to keep his yap shut! Enjoy the game, and remember that the dog has covered 4 straight Super Bowls, with three of the last four decided by a field goal.

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The phrase Butterfly Effect refers to the idea that a butterfly's wings might create tiny changes in the atmosphere that ultimately causes a tornado, in essence a small event occurred that eventually caused a larger event. So what does this have to do with online marketing? A lot!

Butterfly marketing is simply doing small changes throughout your current business model that will in turn end up making you more money then you usually make and keep advertising costs to a minimum.

To understand Butterfly Marketing better I purchased a book called The Butterfly Manuscript by Mike Filsaime, a brilliant online marketer. He was able to perform everything he explains in this book and eventually bring me to his website and purchase the book. He made $100 off me in the blink of an eye!

But Im only one person! He amplified these same tactics over and over again until he eventually made $2.55 million dollars in just 8 months. Wow amazing stuff! I decided to apply these same tactics to two of my companies.

Within one month I had accumulated over 10 new affiliates which are still marketing my products and sold over 30 additional copies of my products. At $50 a piece thats $1500 in extra revenue that I would have never saw if I never purchased his book.

Read the rest of this review at: http://www.easybutterfly.com/

Patrick Hankinson is an online marketer. To learn more about his services visit: http://www.easybutterfly.com/.Live Mortgage Leads
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The California State Teachers Retirement System (CSTRS) is the second largest public pension fund in the nation, providing retirement, disability and survivor benefits to California schools educators. Over 776,000 kindergarten through community college educators are members of the CSTRS, which currently has an investment portfolio of $142 billion.

Keeping quality educators in the California schools is of primary concern to everyone in the state. Without well-educated California schools youth, the city, businesses and economy of the state will suffer. Thus, when Lionstone Group, a research-based real estate investment firm, announced last month they and CSTRS had formed a discretionary $100 million real estate investment fund, the news was well received by everyone. As with any organization, good benefits will attract and keep quality educators in the California schools.

What makes the announcement so exciting is Lionstones track record with another fund it created with the Oregon Public Employees Retirement Fund (OPERF). Called the Cash Flow Office One, the fund has consistently exceeded expectations since its inception in December 2002. At that time, OPERF committed $75 million to the fund, expecting Lionstone to invest the capital within 24 months. Lionstone invested over 80 percent of OPERFs capital within 12 months with excellent returns. OPERF expanded its funding commitment in 2004 and now has over $200 million of equity and owns 20 office buildings around the country that are valued at $550 million.

Like OPERFs fund, the California schools educators fund, known as the Cash Flow Office Two, will target high occupancy office buildings in permanent locations across the United States.

CSTRS has committed $100 million to the fund, which can grow to over $500 million over time. Lionstone contributes one percent of the funds total equity. With the combined equity added to debt of up to 50 percent loan-to-value (LTV), the total buying power of the fund is approximately $1 billion.

The Lionstone Group was formed in 2001. It creates national investment strategies using primary research. Dedicated teams execute each investment strategy, including the fund for the California schools educators. Before creating the fund with the California schools educators retirement system, Lionstone refined their investment process to target locations that produce buildings with lower risk factors, according to Lionstone Principal Dan Dubrowski.

The California schools CSTRS Portfolio Manager Michael Thompson stated that the Lionstone management team over the Cash Flow Office Two fund is very entrepreneurial. He added that their skill set will enable CSTRS to continue to grow their core real estate portfolio.

This news gives all California schools educators hope for a better future, knowing they have an excellent resource during their tenure with the California schools and in retirement.

Patricia Hawke is a staff writer for Schools K-12, providing free, in-depth reports on all U.S. public and private K-12 schools. Patricia has a nose for research and writes stimulating news and views on school issues. For more information on California schools visit http://www.schoolsk-12.com/California/index.htmlLive Mortgage Leads
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When Should You Refinance Your Mortgage? There are two primary reasons to refinance a mortgage: to get a more desirable rate and terms or to extract cash from the home's equity. Both of these reasons can of course also be fulfilled!

Rate-and-term refinancing

Rate-and-term refinancing pays off one loan with the proceeds from the new loan, using the same property as collateral. This type of loan allows you to take advantage of lower interest rates or shorten the term of your mortgage to build equity faster. Rate-and-term refinancing refers to a myriad of strategies, including switching from an ARM to a fixed or vice versa. For example, if you have an ARM that is set to adjust upward in a few months, you can refinance into a fixed-rate mortgage. Or if you have a fixed-rate loan and you know you will move in two or three years, you could refinance into a lower-rate 3/1 hybrid ARM.

Cash-out refinancing

Cash-out refinancing leaves you with additional cash above the amount needed to pay off your existing mortgage, closing costs, points and any mortgage liens. You may use the additional cash for any purpose.

For example, say you bought your house for $150,000 a few years ago and borrowed $120,000. Now the house has an appraised value of $250,000 and you owe $110,000. With a cash-out refinance, you could get a mortgage for $150,000. You would pay off the $110,000 you owe and pocket the $40,000 difference, minus closing costs.

Ohio Mortgage Bankers Association

To learn more about Ohio Mortgage options you can check with the Ohio Mortgage Bankers Association, founded in 1961. OMBA is a statewide organization devoted exclusively to the field of residential and commercial real estate finance. OMBA's membership comprises mortgage originators and servicers, as well as investors, and a wide variety of mortgage industry-related firms. Mortgage banking firms engage directly in originating, selling, and servicing real estate investment portfolios.

Members of OMBA include mortgage bankers, mortgage brokers, banks, mortgage insurance companies, attorneys, credit unions, saving & loans associations etcetera.

OMBA is dedicated to the maintenance of a strong housing, residential and commercial, real estate finance system. This involves support for a strong economy; a public-private partnership for the production and maintenance of single and multi family home ownership opportunities; a strong secondary mortgage credit delivery system; equitable tax laws; suitable shelter for low income families and the disadvantaged; housing opportunities for the nation's veterans; appropriate environmental measures; and fair and equitable bankruptcy laws.

OMBA consists of 145 member companies which represent approximately 80% of the mortgage lending business in the State of Ohio.

Louise Wasa always writes about valuable news & reviews.Live Mortgage Leads
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It is resignation time. The time has come to move on from the present job. The time to reach out for a writing pad and draft out the resignation letter. So what do you do? Should you give a list of reasons why you are leaving? Should you feel guilty about leaving your team and the organization in a lurch? Should you give a list of reasons about how badly you were treated? Should you get sentimental and list out all that you gained and how wonderful it was?

The ideal resignation letter is the one that is the shortest, to the point. Give the date of resignation and enquire when the organization could let you go. The more detail you go into the more explanations follow. Giving reasons for leaving could be open to all kinds of misinterpretations, so a simple I would like to resign from the post of xx as on this date would do. There is no need to feel guilty about leaving the organization in a lurch because it is a professional relationship and just as you have a right to your career opportunities, the organization also has a right to throw you out when it does not need you. So there is really no need to feel guilt. But yes, if the job requires that you train someone else or to finish something that you have begun, it is only fair that you complete that part. If you are quitting due to some bad experiences, it is not a great idea to put that on paper because then the organization might get wary about your motives and stall the process. Just as well there is no need to get all sentimental about the organization because if for some reason you have to sue the employer, your letter will make it rather difficult to prove that you had a difficult time in the organization.

All these issues point out in one direction. When it comes to the resignation letter, keep it simple and straight, courteous and formal. Add a touch of gratitude because it always pays to be grateful. And most importantly keep it in mind that you may have to seek a reference from your ex-employers at some point of time in the future.

A sample resignation letter would look something like this.

Name
Address
Phone Number
E-mail

Date

Recipient's name
Company name
Address

Dear Ms/Mr. X:

Please treat this letter as my formal notice of resignation from Y. I would like to be relieved from my duties as Z in a weeks time. I hope that the notice period is sufficient and I would like to know whether I would be required to complete any particular jobs within this period.

I would also like to thank you very much for giving me the opportunity to work here.

Sincerely,

Signature

(Name, title)

cc:

Yulin Peng is a recruiting researcher and the owner of http://www.job-employment-guide.com. Please visit his site for more free employment tips.Exclusive Mortgage Leads
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