Real Estate Investing Tips

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Oct 192021
 

Beginning a hobby or career in real estate investing doesn’t have to be so
complicated or such hard work if you will only begin with what you have, right
where you are at this moment.

Look for someone who really needs to sell their home and solve their
problem. One of the fastest solutions if they are about to lose the house is to
take over their payments on a subject-to contract. By giving them some
walking money, they can afford to move and still have the cash to rent another
home.

Then, clean up the property, lease it out to a future buyer on a rent-to-own
basis which is called a Lease/Option. You get to collect an up-front, non-
refundable deposit. Three to five percent of the future purchase price is a good
figure to shoot for. You can actually do this every month and make some
additional cash, or concentrate on this method as a full time lifestyle.

Have the renter/buyer sign a contract. You pocket the difference between what
you’re paying the original owner and the amount you’re collecting from the
new renter/buyer. The spread is higher on nice, expensive homes in great
neighborhoods, so don’t be afraid to search in these areas.

This is a good method of collecting extra cash flow every month. There is no
limit to the number of these deals you can do other than your time and effort.

Call on every ¡°For Rent¡± ad in the local paper and just ask if they would be
willing to sell the property in a couple of years if you sign a long-term lease. If
you get a yes, negotiate a fair purchase price, sign a contract and find a
renter/buyer. It really is that simple. Of course, you want to have a lawyer
check out the contracts on the first deal to protect both parties.

Try to get at least $150 more per month than you are paying. Also get a
minimum of $1000 above and beyond what you have paid out as the option
deposit. You don’t want to be working for free, do you?

Let’s look at some figures from actual lease/options. A couple were behind on
their notes because he lost his job, and she didn’t make enough to pay all the
living expense. The stress was causing marital problems and they wanted to
sell, but the house stayed on the market for six months with no takers.

They were getting desperate when a neighbor mentioned the situation to her
church group. One of the group’s members had a son who was looking for a
house that could be leased with an option to purchase in a few years. He and
his wife didn’t have a lot of money for a down payment, but they knew that
buying was better than renting.

After looking at the property, they decided it would be a perfect first home if
they could manage the financing. The couple offered $1000 as a non-
refundable option deposit, if the current owners would give them two years to
qualify for a new mortgage. The timing was right and the current owners
accepted the offer. The monthly payment they agreed on was $200 less than
similar house rentals in the area.

Both couples were happy and they signed contracts for the deal the next day.
The new couple didn’t even move in. They saw an opportunity to make some
quick cash and a good monthly cash flow, so they lease/optioned the house to
another couple for $5000 down with payments that were $300 above their
obligation.

If this new couple closes on the deal in 1 year, they will have earned $5,000
up front and $3,600 over the course of the year in monthly cash flow. By the
way, the sales price was $12,000 higher than what they had agreed to pay the
original owners. Added up this equals $20,600 for just a few hours work.

These deals exist in every town in the world. You can do these until you build
up your bankroll and monthly cash flow. There are no geographical limits.
Travel the world doing deals, living where you please and life is no longer on
a budget.

Why People Fail In Affiliate Marketing

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Oct 182021
 

Why People Fail In Affiliate Marketing

The best course of action to take sometimes isn’t
clear until you’ve listed and considered your alternatives.
The following paragraphs should help clue you in to what
the experts think is significant.

More and More people are lured into affiliate marketing and
you might be one of them. Indeed, affiliate marketing is one
of the most effective means of generating a full-time income
through the Internet. It’s a fair deal between the merchandiser
and his affiliates as both benefit from each sale materialized.
Like in other kinds of business, a great deal of the profits
in affiliate marketing depends on the affiliate’s advertising,
promoting and selling strategies. Everyday, as affiliate
marketing industry expands, competition heightens as well so
an affiliate marketer must be creative enough to employ unique
and effective ways to convince potential buyers to purchase or
avail of the products and services offered.

Compared to traditional advertising practices, affiliate programs
are more effective, risk-free and cost-efficient. But why do
many people still fail in affiliate marketing? There are a lot
of reasons and a lot of areas in the program to look into. The
most critical aspect in the affiliate program is advertising.
Many affiliate marketers fail in this aspect because they lack
hard work, which is the most important thing in affiliate
marketing and in all other kinds of business as well. Although
it pays to be lucky, you cannot merely rely on it. Affiliate
marketing isn’t as simple as directing customers to the business
site. If you want to earn big, of course, you have to invest
time and great amount of hard work in promoting the products.
As earlier mentioned, the competition is very high and customers
nowadays are very wise, too. After all, who doesn’t want to
get the best purchase—that is, to pay less and get more in terms
of quantity and quality.

Lack of preparation is also a reason why one fails in affiliate
marketing, whether he is a merchandiser or an affiliate. Part of
the preparation is researching. On the part of the merchant, he
has to be highly selective in choosing the right affiliate
websites for his affiliate program. In order to be sure he has
the best choices, he must have exhausted his means in looking
for highly interested affiliates whose sites are sure fit to his
products and services. The affiliate site’s visitors must match
his targeted customers. On the other hand, the affiliate marketer
must likewise research on the good-paying merchandisers before
he signs up for an affiliate program. He must ensure that the
merchants’ products and services match his interests so he can
give his full attention and dedication to the program. He can
get valuable information by joining affiliate forums, comparing
different affiliate programs and reading articles on affiliate
marketing where he can get tips from experienced affiliate
marketers on how to choose the best merchants and products with
high conversion rate.

The website is a very important tool in the whole affiliate
program. As an affiliate marketer, you should plan how your site
is going to be, from domain name to the design, the lay-out, the
content, and ads. Some users are particular about what they see
at first glance and thus when they find your site ugly, they won’t
read through the content even if your site has many things to
say and offer. On the other hand, there those who want information
more than anything else. Affiliate marketers with “rich-content”
web sites are usually the ones who prosper in this business
because the content improves traffic to the site. Websites with
high quality contents—with relevant keywords and more importantly,
right information about the product and not empty hyped-up
advertisements—allow you to earn big in affiliate marketing even
when you’re asleep. If you won’t be able to sustain the interest
of your site visitor, you won’t be able to lead him to the
merchants’ site. No click-through means no sale and thus, no
income on your part.

Selecting a top level domain name is also crucial to the success
of the affiliate program. Lots of affiliate sites don’t appear in
the search engine results because they are deemed by affiliate
managers as personal sites. Major search engines and directories
would think of your site as transient ones and thus, they won’t
list it in the directory. Before you decide on the domain name,
know first what you are going to promote. Many fail because their
sites are not appropriately named, so even when they feature the
exact products the customer is looking for, the customer might
think the site is not relevant and thus, won’t enter the site.

Above all, an affiliate marketer must be willing to learn more.
Certainly, there are still a lot of things to learn and so an
affiliate marketer must continue to educate himself so he can
improve his marketing strategies. Many fail because they don’t
grow in the business and they are merely concerned about earning
big quickly. If you want long-term and highly satisfactory results,
take time to learn the ins and outs of the business. Continue
to improve your knowledge especially with the basics in affiliate
marketing ranging from advertising to programming, web page
development, and search engine optimization techniques. Likewise,
study the needs and wants of your site users and how different
merchandisers compete with each other.

Keep on trying; don’t get disappointed if your first attempts
did not pay off. Thousands are attracted by the possibility of
generating skyrocketing incomes through affiliate marketing and
so they sign up in any affiliate program without carefully
understanding every aspect of the business. When they don’t get
instant results, they quit and sign up for another program and
repeat the process of just copying links and referring them to
others. When you sign up for an affiliate program, don’t expect
to get rich in an instant. Work on your advertising strategies
and be patient. You’ll never know how much you can get if you
don’t persevere.

There’s a lot to understand about affiliate. We were able to
provide you with some of the facts above, but there is still
plenty more to write about in subsequent articles.

Go online to get the best contract phone deal

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Oct 172021
 


When my mobile rings at the moment there is a roughly 50/50 chance that it is some poor sales guy offering me a ‘fantastic’ deal on a new mobile phone. This annual ritual of advances and declines that takes place every July can mean only one thing. My mobile phone contract is due for renewal. In recent weeks I’ve had numerous calls, direct mail and e-mail marketing from various companies trying to win me over as a new contract mobile phone customer. To be honest, I would have been tempted just to roll over my current contract and stick with my mobile network provider had they themselves not shoved a deluge of frankly confusing ‘great deals’ through my letter box. I read through these and found myself without any clue as to which of the contract mobile deals would suit me best.

Perhaps I am becoming less intelligent by the day or is it just that the mobile network providers are vying for customers so hard that they end up confusing us with an ever increasing array of complicated payment structures? At around that time I decided to do things by the book. Firstly I dumped the direct mail in the bin and deleted messages from peaky sales centres. I then visited the website of Ofcom for advice on how to go about finding the best contract phone deals.

The information from Ofcom was simple and straight forward and gave me a good place to start. I made a list of my usage and lifestyle points to structure the basics of the mobile phone deal that I’d need. I then looked through previous itemised bills to find how much text messaging I was going and looked at other areas such as downloading and came up with a ‘package’ that suited my usage. The next thing was to go out there and find contract phone deal that matched up closely with my ‘package’.

So again I tried the web figuring it to be a little more unbiased than going through the more marketing focused communication channels. There was some good stuff online – lots of information from review sites on customer service of the major networks and reviews of handsets that proved pretty useful. This helped me figure out the handset I wanted and so I progressed to the purchase stage of my search for a new contract phone. In the end I went to an online reseller who deals with the major networks ad phone manufacturers. Their site had a tool which basically allowed you to create your own contract moblie phone deal with the handset and monthly payment structure that suits. I picked the handset that I wanted on the contract that I wanted and ended up with an I-Pod as a free gift into the bargain.

This is really the first time that I’ve used the web to compare product and services. I plan on doing it again – next up electricity and gas prices!

What is life insurance?

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Oct 162021
 


Life insurance is a financial product that few of us like to think about. We would all like to believe that we are going to live forever, however there comes a point when reality needs to step in and plans are made for the inevitable.

Life insurance is intended to provide some level of protection for financially interested parties should the worst happen. This means that cover can be provided for others who will become financially disadvantaged by the death of the insured person. By taking out a life insurance policy, dependants will not have to deal with all the additional hardships which can be caused by the monetary loss of the insured’s income or productivity.

Life insurance is most frequently taken out to protect family members and replace the breadwinner’s salary ensuring that the family home will not be lost, however it can also be used to cover the costs of a paying for the tasks a house person performs on a daily basis, such as child care, housework, gardening, etc. Businesses also commonly take out life insurance policies on their most important employees to protect against any financial losses to the company that could be incurred due to their death.

For most people life insurance is used to protect their family by providing a lump sum to pay off any loans or mortgage repayments, so that the family home is protected, or to provide a replacement family income, but it is also often used to help cover funeral expenses, inheritance tax or provide an emergency fund to cover a period of financial instability following the insured’s death.

There are two broad types of life insurance: term insurance and investment type policies. Term policies are the simplest and generally the cheapest form of cover and will provide protection for a set period, after which the policy will lapse. Investment type policies such whole-of-life insurance, provide cover for as long as the policy holder lives, as well as building up an investment value which can be cashed in by surrendering the policy.

When considering what type of life insurance policy is most suitable, it is vital to decide what the purpose of the cover is to be, along with calculating how much cover is required. This is important when choosing the level of the cover needed.

The main cover types currently available are:

– Level term policies which will pay out a set tax free lump sum upon the policy holder’s death and premiums are set at the time the policy is taken out.

– Increasing term insurance is similar to a standard level term policy; however the value of the lump sum (and usually the premiums) increases with time to compensate for inflation or rising prices.

– Decreasing term is a type of life insurance where the lump sum value reduces over time. This form of cover is usually taken to protect loan or mortgage repayments, where the overall amount required to pay off the loan amount will decrease as regular repayments are made.

– Increasable term life insurance provides the option to increase the level of cover in the future, with the corresponding premium increases being based on the policy holder’s health at the time of initially taking out the policy without the need for a need medical or major re-evaluation. This type of policy can be useful to provide additional cover following marriage or the birth of a child.

– Renewable term insurance enables the term of a policy to be extended when the initial period comes to an end. The premiums to be paid are, like increasable terms, calculated based upon the policy holder’s health at the time of the policy being taken out.

– Pension-linked term policies such as B-Assured life insurance from Barclays allow the policy holder to claim tax relief on their premium payments, as long as they are eligible to contribute to a personal pension or stakeholder scheme.

For a life insurance guide and life insurance comparisons visit Moneynet or view the regular surveys in Which? and specialist personal finance magazines.

Disclaimer:

All information contained in this article, is for general information purposes only and should not be construed as advice under the Financial Services Act 1986.

You are strongly advised to take appropriate professional and legal advice before entering into any binding contracts.

Work from home careers: An Overview

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Oct 152021
 

The number of work from home careers available today is outstanding. If you are looking to add a little residual income to your pocketbook or dream of being your own boss, work from home careers may be the answer you’re looking for.

Types of Work from home careers

The sheer variety of work from home careers can seem a bit overwhelming at first. Sorting through all of the opportunities and determining which ones are legitimate and which ones are scams is the first priority. As the old adage goes, “If it sounds too good to be true, it probably is.” This is not to say, however, that there are not plenty of legitimate work from home careers available.

Basically, work from home careers fall under two categories: your own business that you have started in response to a need you have recognized and working for someone else’s business by telecommuting.

Starting Your Own Business

If you wish to start your own business, there are several areas an entrepreneur can explore, such as:


• Freelance data entry• Freelance writing• Freelance graphic artist
• Window washing business• Candle making business• Notary• Inkjet refilling• Home typing• Car washing

If you choose to be an entrepreneur, you will be responsible for providing the goods or service of your business, as well as for taking care of the business aspects of the business. These aspects include marketing, customer relations, and accounting.

Working for Someone Else

Similarly, there are work from home careers that will allow you to stay at home while letting someone else remain in control of the business aspects. If you are uncomfortable with having control of the direction and ultimate success or failure of the business, this might be the right path for you.

Many of the same businesses already discussed can offer work from home careers for you without you having to be responsible for the overall business. For example, you may not be comfortable seeking out freelance writing, data entry, or graphic artist work. Instead, you might choose to work beneath someone who has successfully started one of these businesses. Often, individuals who have built a successful career in one of these areas subcontract work to those who prefer to provide the service but not deal with the business side of the job.

Other work from home careers that can bring in some residual income that do not require you to be business savvy include taking surveys and working as a secret shopper. Neither of these work from home careers is likely to make you rich, but, believe it or not, companies are willing to pay people for taking surveys. Often, these surveys are about a potential upcoming product or service and the company wants to get an idea of whether or not it will be well received by consumers. Therefore, there is often a screening process beforehand to ensure you fit within the demographic the company is targeting.

Secret shoppers are called upon to visit places of business to assess the provided service. Again, these particular work from home careers are not high paying, but they do provide a small stipend and you can often get a free meal or products for free by working as a secret shopper.

IN’s & Outs of Pay Per Click Advertising

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Oct 142021
 

Today you will learn all about pay per click advertising and what it can do for you and your company. Pay Per click advertising is one of the easiest and fastest ways to get traffic to your website with out emptying your pockets. I am going to go over a few things today like which company you should choose to start an advertising campaign with and not waste your time or money. I will try to answer some popular questions like how do you know when to trust a ppc search engine, Should I choose a big or small pay per click search engine and many more. By the end of this article you should have a good understanding of pay per click advertising and it will give you an idea on which one to choose.

How do you choose a pay per click company?
When it comes to picking a pay per click company the first thing I look for is other people that have try it and like it. The easiest way to do that is by posting on forums or searching in search engine. I then visit the website to look at the prices of min. deposit required and go from there. I compile a list to compare some prices between the companies I found and I liked. By doing this it allows you to find out each min. bid and which one to choose with out breaking the bank. You’ll have to do the research your self.

How do you know when to trust a pay per click search engine?
Again I start with the forums and search engine to see if they have ever ripped someone off by using click fraud to steal their customer’s money. Its rear but it dose happen and if you see no complaints It usually means their a trust worth company.
I usually deposit a small amount of money (like $5.00) to test out the company.
There are some pay per click search engine that allow you to test drive their services for free before you deposit, so the risk is on them and you can advertise cheaply and stress free. (ex: Paid Results)

Do I choose A Big Or Small Pay Per Click Search engine?
I guess that would be totally up to you, depending on what you are looking for.
Do you want to deal with a huge number of competitors? Pay as much as $10
Per click just to stay on top of the search engine? Then I would suggest a bigger pay per click search engine. If you want less keyword bidding competition and work I would suggest a smaller pay per click search engine.

I found that using multiple smaller pay per click search engine was way more cost effective and gather just about the same amount of traffic a the major pay per click search engines. There for I would recommend you choose about ten smaller pay per click search engines and they usually offer you a sign up bonus so it’s free to try.
A good place to look for smaller pay per click search engines is:
http://www.search-network.com/ppc.php
Thanks for taken the time to read my article and good luck with your pay per click ventures.

Pay Per Click Advertising

Eating Healthy On The Road; Possible or Not?

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Oct 132021
 

As health and fitness minded individuals we know the importance of the food we put into our bodies every day. Food provides the energy we need to perform and recover from our workouts, and how we eat can make our break our efforts in the gym. In fact, many experts believe (and I agree based on personal experience) that the way you eat will determine 80% of the results you obtain from your workout and nutrition program. It only makes sense though; Lots of people go to the gym everyday for weeks, months, and even years. Unfortunately, many of these people look exactly the same year after year, and some even gain weight despite following a regular exercise program. Those who get into shape and stay in shape know how vitally important it is to pay close attention to what they eat. This is why they spend weekends cooking meals for the week and then lug their coolers around everywhere they go to make sure they are never caught without something to eat.

So what happens when you have to travel and don’t have a chance to cook all of your meals, when you didn’t have time to cook, or when you realize your chicken has gone bad after too many days in the fridge? I think we have all been in a situation where we have to eat at a restaurant or even fast food. We all know that fast food is not the healthiest choice there is, and after the movie SuperSize Me people are literally scared to death to eat fast food! Well, if you eat supersized meals plus ice cream and milkshakes everyday like the guy in the documentary, then you certainly will cause damage to your health and your waistline. However, with a little knowledge and common sense, as well as the variety of food choices offered by most restaurants today, it is actually pretty easy to eat healthy on the go, even at fast food joints. The main factor involved in losing body fat is consuming fewer calories than you are burning each day. The primary (nutritional) factor in building/maintaining muscle mass is protein intake. So, if you just control your calories and eat enough protein you can stay (get) into pretty good shape. When you look at it this way it is easy to see how it is possible to fit restaurant and fast food into a healthy lifestyle. In fact, unless you are getting ready for a bodybuilding or fitness competition, I see no reason that you cannot eat out at restaurants as often as you like and still reach all of your health and fitness goals. That is as long as you make intelligent choices.

So, what types of things should we be looking for when eating out? Remember, high protein and calorie control, which leads to choices like grilled chicken, beef, and fish, along with vegetables, which are usually very low in calories, fibrous, filling, and full of vitamins and minerals. Baked or sweet potatoes (plain), and rice are also good carbohydrate choices, as long as the calories in these items fit into your nutrition plan. Have some water or a diet soda to wash it all down and you are set. A simple way to save a good bit of calories and unnecessary fat is by simply asking your server to have the cook prepare your steak or chicken and vegetables without butter or oils.

My first choice when I am on the road and need a healthy meal is LongHorn Steakhouse. I know that I can get a delicious piece of steak, chicken or salmon with a fresh mix of vegetables, and a plain sweet potato, which is lower on the Glycemic Index than regular potatoes, and contains more vitamins and minerals as well. I have a great relationship with my local LongHorn since I go there so often, and they know to cook my vegetables and potato plain and to hold the bread. It makes it great because I can go whenever I want and let someone else cook for me for a change instead of spending all my free time in the kitchen. It makes it much easier when you become a “regular” of a restaurant since the staff knows how you like your food and you don’t have to explain it in detail each time. I know many bodybuilders and fitness-minded people that eat at their favorite steakhouse 3-5 times a week and some even every day.

So, what do I do if I can’t make it to a LongHorn or another sit down restaurant and fast food is my only choice? I am going to try to find a Subway or a Chick-fil-A. I believe these are two of the best choices when it comes to fast food. In fact, when I was traveling to small cities in Alabama all the time with my former job, I would eat Subway or Chick-fil-A just about every day. My favorite choice at Subway is the foot long Roasted Chicken sandwich on wheat bread with no cheese, lots of veggies and some spicy mustard. This sandwich packs about 50 grams of protein, less than five grams of fat, and around 650 calories. The six inch sandwich is around 325 calories, and the best part is they are big and very filling!

We all know Jared, who lost like 300 lbs on the Subway diet. Is there really something that special about Subway sandwiches? The reason that Jared was able to loss all of the weight was because he found a diet he could live with, he believed in it, and he stuck to it until he reached his goal. Also, whether Jared was aware of this or not, Subway sandwiches (the 6 grams of fat or less variety) have relatively few calories for how big of a sandwich it is. For example, a foot long turkey sub with all of the vegetables and no cheese has less than 600 calories. It is pretty easy to see how someone could not feel hungry on a diet of 3 of these foot long subs a day, which does not even total 1800 calories a day.

At Chick-fil-A I will go for two chargrilled chicken sandwiches which offers 56 grams of protein and only 7 grams of fat and 550 calories. Sure, it’s more expensive than the meal deal with fries, but well worth it for the nutritional difference. Another easy tip to save about 30 calories and three grams of fat per sandwich is to ask for “no butter” on your bun. Most people do not even realize they spread a small amount of butter on the buns.

This all goes back to “calories burned vs. calories consumed.” I’m not saying you should eat fast food everyday, and I admit that bread is definitely not your best carb source. My point is that it is possible to eat relatively healthy and not ruin your workout and nutrition plan even if you have to eat out. So next time you find yourself on the road with nothing to eat or if you just can’t stand to cook another meal, make a smart choice and let someone else do the cooking for you.

To learn how to get a free copy of Russ’s brand new E-book “27 Must-Have Tips For a Complete Physique Transformation” visit
http://www.completephysiquetransformation.com

© Russ Yeager’s Health and Fitness 2006 All rights reserved. Use of this article is permitted for your newsletter, website, or other publication as long as the content is not altered including all active links.

Commercial Real Estate Lending vs. Private Funding

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Oct 122021
 

Traditional bank and institutional lending has become outdated in some respects and does not always meet the needs of potential commercial customers. Private investor funding has filled many of the gaps while making investing easier and profitable for all parties involved. Although private funding is not actually lending by definition it is still a highly viable alternative.

The typical traditional bank loans take 3 to 6 months to close. The obvious constraint is if your deal needs to close before 3 months or if the seller is anxious to close in a fast time frame. Private funding typically takes 30-90 days to close and the right mix of information, opportunity and “right-time-right-place” has seen private deals close in a manner of days!

Most commercial lenders have very specific guidelines on documentation of the source of income or proof of asset ownership. Obtaining these documents from the current owner(s) is a big challenge if not impossible. Tax returns and additional personal information are sought but few are willing to open up their finances to just anyone. Private investors tend not to look at past performance of the property but seek a good analysis of what the future potential is. Be prepared with a sound business plan!
Many borrowers can’t qualify for traditional commercial loans if they have existing high business expenses. Again, existing financials need to be examined by the bank to determine if prior performance indicates worthiness for the loan. This time it’s your financials under the microscope. This type of information is useful in proving yourself to private investors but not required.

Special business properties such as mobile home parks, restaurant /bars, cash businesses, new development construction projects, nursing homes, assisted living centers, etc. may be outside of the traditional lenders interest. The reasons differ but are often related to the perceived risk or lack of knowledge about the type of investment. Again, private investors are more interested in your plan and its soundness rather than the category of property.

Relative short balloon payments on special purpose business loans are fairly common with traditional loans, some due in as little a 3 years. If your business plan does not specifically show how returns on the profitability of the property will support the balloon payment the loan is often denied. Private funding may also have balloon payments but you can always seek a different structure that fits your needs and plan rather than trying to plug your plan into an institutions way of doing things.

Assumability of the loan is not often offered with commercial loans. If your plan for the property includes later selling it for a profit you need to consider how potential buyers will finance the purchase from you. If you cannot transfer the loan to a qualified buyer you will be at the mercy of them obtaining a loan from an institution and meeting all of their requirements. This is time consuming and costly for the borrower creating a delay in you moving on. Conversely, private funding can often be structured so that you may transfer your existing agreement to another without any of the constraints.

Banks and lending institutions often monitor their investments by requiring ongoing financial reporting requirements. Although they are not a partner in your venture they behave like they are. Until you break free from the loan this monitoring relationship will continue. Private funding investors may also require periodic financial reports but as long as the agreed terms of the funding are being met they may have little interest.

Some institutional lenders still require the borrower to live in the same state as the property. In today’s realm the reasons for this requirement are lost. Legal issues may be a bit easier to deal with because of the requirement but not enough to limit the borrowers to properties in their own state.

There are many more differences between traditional loans and private funding. The differences usually favor the non-traditional private funding world. You may pay slight more for private funding overall but if you can’t qualify for a traditional loan, or the timing will not work you should not even consider cost when comparing the two options.

How Air Filter Can Save You Lots Of Money On Home Cleaning

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Oct 112021
 

Lots of money is spent on having a clean room and home. But little do the people know that acquiring a good air filter will help save lots of money that would have otherwise gone down the drain. And I’m pretty sure, you’re not happy about this scenario. You want to save as much as possible of your hard earned cash.

Many people do run away from getting good and reliable air filters on the premise that it’s quite costly. However, the cost of acquiring a device like this to help you get rid of dust, smoke, odor and so on is far less than the cost incurred in maintaining a clean environment in the home. Also, if you’re properly informed, you won’t have to break into a bank before getting a good and reliable air filter.

Now, lets take a look at how air filter will help save you thousands of dollars on home cleaning.

One, air filter will help save you lots of money on cleaning costs. Have you ever sat down to imagine the percentage of your monthly income that goes into buying soap, detergent, sponges, mops to mention juts a few? You may not believe it to be a big deal but it all adds as the months go by. For instance, spending as little as $5 a month on replaceable duster may not be much in a month but it all adds up to $60 a year. Now, that’s only on duster, what of mop, detergent etc? Are you now getting the gist? All these expenses can be saved when you buy a good air filter that will ensure a clean and fresh air in your home.

Two, air filter will save you lots of money on home cleaning staffs. You may be one of the fortunate ones out there having many maids that take care of cleaning the rooms and entire home. Are these services cheap? Definitely, they are not. But having an air filter installed for the entire home can considerably reduce the amount of money you spend on maintaining those staffs or paying the home cleaning outfits or company.

Three, valuable time will be saved when you buy an air filter. The women folks will agree with me that it’s not quite easy having a cleaner environment in the home. It takes up your valuable time. And the matter is worse if you’re the working type. So, it’s advisable that you acquire a good air filter. This will enable you concentrate on other things of life instead of vacuuming and dusting your home.

Four, your medical bill can be drastically reduced to the minimum with the acquisition of air filter. If you or any of your loved ones is among the millions of Americans suffering from respiratory problems, you’ll agree with me that it sure takes up a large proportion of your take home pay. But this can be curtailed when you buy an air filter.

It’s not only dangerous to health but also financially risky to ignore the airborne contaminants in your home. This is why you must make sure that you get a good and reliable air filter among the many in the market. Don’t fall for just anyone the sales executive or a store staff recommends. Ensure that you fully understand how air filters work and the many types that are out there. Be careful, not all the air filters are good for you. There are lots of factors to be considered before ever buying air filters.

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Discount Orlando Vacation

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Oct 102021
 

Reading other articles on this site, I realized how important it is for most of us to plan a discount vacation that does not “ding” us too much financially. Here is my contribution based on my own experience planning a discount vacation.

So you are thinking of planning a discount Orlando vacation? You must be if you have reached this amazing site and are actually reading this article here. Discount vacation in Orlando is a goal shared by most of us who want a vacation- with kids. I know what most people have to go through when planning a vacation. You are talking it out with your sweetheart and family. A great idea comes to mind. “Let’s go to Orlando”! Everyone gets excited and there are smiles all around till your wife says, “Honey but how much is it going to cost us”? That’s the blow. Or is it?

When I heard “Honey, much will it cost” line, I planted myself firmly in front of my computer determined not to let down my wife and kids. Not to mention the fact that even at 42 years of age I am an Orlando fan. In this article I will give you a summary of my research so you can plan a discount Orlando vacation.

www.discountorlandovacation.com was the first choice to start out with. If you are looking for dramatically reduced rates, unbelievable Disney deals and discount Orlando vacation packages then this site shall serve you well. Designed for budget conscious tourists, the site offers discount Disney tickets to Disney theme parks and Orlando dinner shows.

For those of you who actually visited the above site (thank you for taking the time to appreciate my relentless research) and thought “Wow” wait till you read about the next apple I am going to drop in you candy jar. This site is perfectly perfect for an ideal discount Orlando vacation. www.leisuretime.com truly presents hottest travel deals. Amazingly priced Orlando discount packages start at $99 per person and kids stay free! This is the vacation that I booked for my family and for just under $1100 all of us had a great 5 night vacation in the best that Orlando had to offer. There are many sites out there offering discount Orlando vacations but Leisuretime.com was “the one” for my family.

Another site a friend of mine referred me to for booking a great discount Orlando vacation is www.floridavacationstore.com. Working in the same office in the same salary range, we both hunted for discount vacations and pooled our resources later. Floridavacationstore.com is indeed a great place to buy an awesome deal. A simple visit to the site will splash you with at least 7 different discount Orlando vacation deals leaving it up to you to make up your mind.

It is a difficult task to book a discount vacation. Nevertheless if you have the right help available, you can master this art and be the hero in your family. I hope I helped.

Alicia Whiter
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vacation resources.

In Defense of the Jewish People and the State of Israel

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Oct 092021
 

As Christians, we have to stand firmly and solidly behind the Jewish people and their state of Israel. When you put all of the verses together on the original covenant God the Father made with their first forefather, Abraham, I believe that this original covenant is still in full force and full effect to this very day.


God made an original covenant and pact with the Jewish people in that He would be their God and they would be His chosen people. This everlasting covenant was made with their first set of forefathers, Abraham, Isaac and Jacob. He then tops it off by promising that they would be given the land of Israel as an everlasting possession.


Though the Jewish people managed to break their end of the bargain by all of their rebellious and adulterous behavior towards the Lord during much of the Old Testament, and managed to get themselves dispersed to the four corners of the world as punishment and judgment for this kind of unacceptable behavior towards Him in 70 AD, God still intends on keeping His side of the bargain.

The covenant God made with Abraham was an everlasting and permanent covenant, and nothing that the Jewish people would end up doing against Him, no matter how bad, was going to end up canceling, revoking, rescinding or breaking this covenant with Him.

The Jewish people lost temporary possession of the land of Israel as a result of this dispersion, but because God made this original covenant with Abraham on a permanent and everlasting basis, God will stay true to His Word and He will still keep to His side of the bargain.

As a result, God the Father is still the God of Abraham, Isaac and Jacob and all of the rest of the Jewish people. The Jewish people are still the chosen people of God the Father and they are still the apple of His eye. The land of Israel is still their everlasting possession and the land still belongs to them and them alone.

God Himself has made a sovereign choice to make this race of people His chosen people, and neither we as Christians, the Muslims or any of the rest of the world have any legal right to be attacking or questioning the Lord on the choice He made to single out this race and class of people to be His chosen people that would eventually supply the blood line that His Son Jesus would eventually be born into our world through.


The facts are the facts. God has spoken out loud and clear on this entire issue through His Word. This is why God has warned the rest of the world with the statement that He makes in the following verse I will now give you.


In this statement, God tells Abraham, when making this original covenant with him, that He will bless those who will bless him and that He will curse those that will try and curse him. When God is telling Abraham that He will bless those that will bless him and curse those who will try and curse him, I believe that He is talking about the entire Jewish race as a people and as a nation. He is not just talking to only Abraham.


Here is this most powerful verse and warning direct from the Lord Himself:


Now the Lord had said to Abram: “Get out of your country, from your kindred and from your father’s house, to a land that I will show you. I will make you a great nation; I will bless you and make your name great; and you shall be a blessing. I will bless those who bless you, and I will curse him who curses you; and in you all the families of the earth shall be blessed.” (Genesis 12:1-3)


Per the article we have in the Current Issues section of our site titled “The Gaza Pullout and Hurricane Katrina,” I do not think we are dealing with any coincidence in that one week after president Bush and Prime Minister Sharon arranged to have part of the Gaza strip handed over to the Palestinians, that we end up having the worse hurricane and natural disaster that has ever struck our country strike us after this land deal was completed with the Palestinians!


And to top it all off, 4 months later, Sharon ends up having a stroke and is completely knocked out of his position as the Prime Minister of Israel. And then Hamas, the dreaded terrorist organization and sworn enemy of Israel who also wants to wipe Israel off the face of the map, ends up winning the local Palestinian election and as a result, they are now residing right in Israel’s backyard.


As far as President Bush, his poll numbers have now gone into a major free fall. At the time that I am writing up this article, his poll numbers have now dropped down to a very dismal 31% approval rating.


Is all of this just pure coincidental activity, or are we seeing the wrath and judgment of God hit those persons responsible for dividing up part of Israel’s land to their sworn enemy based upon the wording of the above verse? Judge and discern for yourselves.


To sum it all up, I want to highlight and bullet point what all of the above verses are trying to tell us:


• God makes and establishes an everlasting – unconditional covenant with Abraham

• God promises to give the land of Israel to Abraham and the rest of his descendants that would follow after him as an everlasting possession

• The apostle Paul states that God has not cast away His chosen people and that all of Israel will eventually be saved and accept Jesus Christ as their true Messiah and Savior

• God the Father states that He will never cast off the seed of Israel from His sight

• God makes an everlasting covenant with King David in that his throne and kingdom will be an everlasting throne and kingdom that will know no end

• God will give His Son Jesus the throne of King David in the coming Millennium Kingdom where He will rule this entire earth from the city of Jerusalem for a 1000 years

• Jesus was born into our world as a Jew, and then was crucified as the “King of the Jews”

• Though God disperses the Jewish nation to the four corners of the world in 70 AD, He promises to bring them back and restore them to their homeland of Israel in the latter days

• Jesus will rule this earth from the city of Jerusalem in the coming 1000 year Millennium Kingdom

• After the 1000 year Millennium rule of Jesus from Jerusalem, God the Father will create a New Heaven and a New Earth. He will then bring down a “New Jerusalem” from Heaven itself where both He and Jesus will rule our New Earth from for the rest of all eternity.


The original covenant that God made with Abraham was an everlasting and unconditional covenant that would never end. The land of Israel, which He promised to give to him and his descendants, was given to him as an everlasting possession.


When God says that this covenant will be an everlasting covenant, this is now a done deal. And the Bible proves all of this out when the Jewish people once more regain possession of their land of Israel back in 1948.


If the Bible was not the infallible and inerrant Word of God, and God was not meaning what He was saying back in the Old Testament about re-gathering and restoring the Jewish people back to their homeland of Israel, then the restoration of the Jewish people back to their land of Israel in 1948 would have never occurred. But since it did, just like the Bible predicted it would, this once more shows us that our Bible is truly the inspired and infallible Word of our Holy God, and that everything that proceeds out of the mouth of our God will eventually come to pass.


I will leave you with one last thought in reference to the Jewish people, their state of Israel and what our spiritual relationship should be to them as Christians.


When you really look at what God the Father was doing when He initiated making contact with this race of people, we are looking at an incredible, profound reality.


After Adam and Eve were cast out of the Garden of Eden as a result of disobeying a direct command from the Lord, all of mankind became lost with no real way to make it into heaven after we physically die.


At this point, God could have easily washed His hands of the entire human race as the Bible tells us that everyone that would be born after Adam and Eve would also become sinners and fall way short of the glory of our Lord. But because we are dealing with an incredible great, loving, merciful and good God, God made an incredible sovereign choice to have mercy on us. And when He made this choice to have mercy on us, He had to implement a plan and a way in order for us to be able to receive His mercy, forgiveness, pardon, salvation and redemption from our sinful states and natures.


As we all know now, this plan would be implemented through His one and only Son Jesus Christ. However, there was only one little problem with this plan. Jesus would have to leave His heavenly kingdom and literally come down onto our earth to be able to save us from our sins. And not only would He have to literally come down upon our earth, but He would also have to literally incarnate Himself into a human flesh body like the rest of us have. Jesus thus would have to become fully man, yet still stay fully God.


In order for Jesus to come down onto our earth in the flesh, God the Father was going to have to arrange to have a bloodline that He would eventually be born through at the time of His birth into our world.


Though Jesus was actually born of the Holy Spirit, He still had to pass through a female womb. And with Jesus having to literally pass through a female womb, this means that God the Father will have to deal with a line of descendants that would lead up to the virgin Mary being the one to bring Jesus into our world. Mary was a Jew, and God thus would have to deal with the generational bloodline that would proceed her.

It is no accident or after thought that God chose a race of people to be His chosen people back in the Old Testament. For whatever His personal reasons were on this issue, God sovereignly chose the Jewish people to be His chosen people, and through these people’s descendants, the virgin Mary would be born, and through her physical body, God would have His Son Jesus birthed into our physical world.


Think of what was really happening with this entire scenario. We are talking about God Himself, Jesus Christ, the second Person of the triune Godhead, being willing to come into our world through a physical birthing process in order to be able to reach us to save us from our sins.

Bottom line – if Jesus was not willing to come into our earth through the womb of the virgin Mary, there would be no eternal salvation for any of us, and we would all physically and spiritually die in our sinful states, never being able to make it to heaven or have our spiritual relationship restored back again with God the Father.

Mary was a Jew and through her womb, we received our Lord and Savior. Had there not been a Jewish lineage and a Jewish heritage that she had come from, there would have been no Mary. As a result, all Christians owe an incredible debt of gratitude to the entire Jewish race as a result of Jesus being birthed into our world through their bloodline.

When God purposely isolates and sovereignly chooses and elects a special race of people to be His chosen people, and from the descendants of this chosen people come the virgin Mary, and through the virgin Mary our Lord and Savior Jesus Christ is born into our world – we are talking about a very special class and race of people.

This is why the very first Gospel account goes to the trouble to list the lineage that Jesus would be coming from. This is why God went the extra length to state that His Son would also be called the Son of Abraham and the Son of David in addition to being called the Son of God.

Jesus had to be physically born into our world and in order for Him to be able to do so, He had to be incarnated into a human flesh body in order for our salvation to be able to occur through His physical death on the cross.

Though the Jewish people missed who Jesus really was when He came down to our earth, and are still in darkness to this very day on this issue, the facts still have not changed. God made the Jewish race His chosen people, and from their descendants Jesus would eventually be born into our world.

As such, all Christians owe a major debt of gratitude to the entire Jewish race for being the chosen people that God would eventually have His Son born into this world through.


The best way to look at this is like looking at a two sided coin. On the one side of the coin are the Jewish people and their covenant relationship with God the Father. Though they are not saved at this time, they are still God’s chosen people and eventually God will save all of Israel as the above verses are telling us.


On the other side of the coin are all born again Christians saved under the shed Blood of Jesus Christ. Though we are now living under a new and better covenant than what the Jews presently have with God the Father because we have accepted who Jesus really is, this still does not negate the Jewish people and their original Abrahamic covenant that they still have with God the Father.

As such, we should consider all of our Jewish brethren as our brothers and friends of the faith since we both serve and follow the same God the Father.

Remember, the day will come when the Jewish people will accept Jesus as their true Messiah and Savior. But until that day comes, and these people see the real light, we should accept them, love them and solidly support, protect and defend them from the demonic forces that would like to try and totally annihilate them.


As I stated at the top of this article, now, more than ever, the Jewish people and their state of Israel need our continuing support. With another Hitler now rising out of Iran who is trying to develop the nuclear weapons to be able to attack and annihilate Israel, our country, along with the UN and some of our Western allies have got to stay on top of this building crisis.

Remember what the above verse from God the Father has told us – He will bless those who bless Israel and curse those who will try and curse her.


I rest my case for the Jewish people and their holy land of Israel.

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