Investment Real Estate Secret – Buy a House Today, With No Money Down

If you’ve read my article “Purchasing Property With No Money Down. . .” today’s article may seem a bit conflicting. Bear with me, though, and you’ll see that it is not. In Purchasing Property With No Money Down. . ., I explain how buying up property at inflated values at a break-neck pace is no way to be successful in real estate. I explain how this is a form of investment real estate finance that is possible but not advisable. In this piece, I’d like to express that buying property with no money out of your pocket can actually happen and can be a great technique, if it’s done properly.

Let’s suppose you find a house that you’re interested in purchasing as investment real estate. The owner, who also uses the real estate as investment property wants to get out quickly. This is a perfect opportunity for you to get the house with no money down. Note, look for ads that say seller financing or motivated seller to find these types of deals.

In lieu of conventional bank financing, you may offer the seller his exact sales price, if he agrees to finance the sale for you. Before going this route, ask him if he’s willing to take a considerable amount less than his asking price; if he’s motivated, he’ll likely say yes, assuming he’s going to get a bank check. Now, you come in with much more money, but you ask him to finance the loan.

Here’s where salesmanship is critical. Offer him a deal that he can’t pass. If he’s selling for $100,000 but was willing to take $88,000, you’ll give him his entire asking price of $100,000 with very special terms. Although you amortize the loan over 30 years, you promise him that you’ll pay him off in three years or less. Meanwhile, you’ll pay him interest only payments on the note at 8 or 9 percent. Explain to him how he’ll make all of this money on top of the $100,000, because you’re not paying down the note with your monthly installments. Because you’re giving him such a great deal, you will not pay him anything as a down payment.

Now, you may be thinking this doesn’t look like a good deal for you. Here’s how you make it a terrific deal. The second you close the deal with the seller, you stick a for sale sign in the yard, announcing that the “Owner will finance.” Now, you sell the house for $110,000. You take a $5,000 down payment, and you take interest-only payments on $105,000 at 8 or 9 percent interest. You are making more than you have to pay the seller, plus you have the $5,000 in your pocket. This is truly a sweet, No Money Down investment real estate deal.

NOTE: if the seller insists on a down payment, you offer him the $5,000 you plan to collect from your buyer. Be sure to get him to allow you to defer the down payment for three months. This gives you time to sell, collect the 5k and pass it along to him. This isn’t as sweet as pocketing the $5,000 yourself, but it’s still a no money down deal.

Mark Barnes is the author of the new novel, The League, a shocking, sports-related conspiracy. Learn more about his suspense thriller at http://www.sportsnovels.com. He is also an investment real estate and home loan finance expert. Get his free mortgage finance course at http://www.winningthemortgagegame.com

Seven Sizzling Ways to Turn Targeted Traffic Towards Your Blog!

Blogs are an unbelievable way to achieve success on the internet. Blogs can establish a web presence, express your opinions and generate serious profits. However, without visitors a blog is useless no matter how good the content. With thousands of blogs being created every day, you need to know exactly how to get people to your blog over everyone else’s. Here are 7 breakthrough ways to bring traffic to your blog:

1. Optimize your posts for the major search engines. Search engines love blogs because they are frequently updated with fresh content. All blogs have the opportunity to make it to a high position on search engines but here are a few tips to beat your competition for the top spots.

  • Make sure you use plenty of primary keywords in the titles of your blog posts.
  • Make sure you use secondary keywords in the body of your posts, however be careful not to use too many since this will make your post sound unnatural.
  • Use keywords in the anchor text of links in the body of your posts since links have a higher importance to the search engines than ordinary text.
  • If possible try to use your most appropriate keyword in the URL of your blog. Search engines love keywords in the URL and this will have a serious effect on your positioning.

2. Write posts that people will want to read. Put yourself in the position of someone following your blog. Always write relevant content which will be of interest to your blog followers. Good content will lead people to recommend your blog. As a rule, each post should contain a single topic. If you wish to discuss two topics then break it down into two posts. This makes life easier for readers and makes information easier to find. A great mistake that many bloggers make is writing large, infrequent posts. Get into the habit of writing short posts but making sure that you post regularly at least 3 times a week. This way, people will return to your blog because they are sure there will be something new to read.

3. Use your blog posts as articles. Writing and submitting articles is a sure-fire way to gain more visitors. Just turn your blog posts into articles by formatting them, and perhaps adding a bit more detail. This way you are building traffic and writing for your blog at the same time. Recommended sites for submitting your articles are http://www.ezinearticles.com and http://www.goarticles.com.

4. Build links to your blog. This will also have a great impact on your search engine ranking, especially Google. Build links to your blog by exchanging links with other blogs of the same topic as yours. This way you can guarantee targeted traffic. Come to an agreement with another blogger that you will each write a positive review on each other’s blog. This way you will get a good testimonial for your website and receive a link on another blog. If you have a main website, then make sure you link from every page to your blog. This way you gain lots of links and whichever page visitors enter your website, they will always have the opportunity to visit your blog.

5. Ping the blog services. There are many services which track and connect blogs all over the world. By sending a small ping to all of these services you will let them know that you exist. They will come and check you out and this could spell serious visitors if your blog is full of good content and is regularly updated. Sending this ping is not at all difficult. Just go to http://www.pingomatic.com where you can send a ping to a number of services very quickly for no cost.

6. Submit your blog to blog directories. Just like if you have a website or an ezine, it is essential to submit your blog to the top directories. A good listing in these directories could mean 100s of visitors every day. You can find a great list of blog directories at http://www.masternewmedia.org/rss/top55/. And don’t stop at blog directories. Don’t be afraid to submit your blog to the big directories such as Yahoo and Dmoz.

7. Capture your readers’ email addresses. This is vitally important because it is essential that you can keep in touch with your readers so that you can update them about your blog and make sure they are still reading. Just make sure you have a subscription box on every page of your blog and offer a free bonus such as an ebook as a reward for subscribing. With a good list of subscribers, you can conduct surveys to find out what topics your readers want your posts to consist of. Keeping in touch with your readers will lead them to trust you and they will continually come back to your blog and will recommend it to their friends.

Just be imaginative. Keep trying different techniques to getting people to your blog and see which methods work best. Remember, creativity is one of the keys to internet success.

For more information on this subject or about making money online go to http://www.info-ebooks.co.uk

100s of free ebooks and software products are also available at this address. Gain free access to these by sending a blank email to:

infoebooks@freeautobot.com

Thank you for reading

William Johnston
(will@info-ebooks.co.uk)

Sales Skills for the Non Sales Professional

Have you ever wondered how in the heck you’re going to do it? You are a lawyer who wants to make partner, an accountant, an engineer or other professional and part of your business plan is that you have to attract business customers? You’ve always detested selling, and you can’t see yourself doing it! As a matter of fact, sales people are a HUGE turn off to you!!!

Yet, you HAVE to bring in customers!!!

What ARE you going to do?

Many of my current or former clients fit the above description. Many of them finally contacted me, a coach, when they were in trouble because they had NO CLUE where to start. They decided that they did need help, and they realized that only a professional could rescue the mess that they’ve made.

And guess what? They survived! And not only did they survive, but they thrived! As soon as they realized that they didn’t need to change their personality, become a raving fan, or over the top, they relaxed and settled into learning what they had to do.

I’ll take you through a typical client and what they learn to do.

Kirk was a guy who found me in one of my Charisma classes! He was basically a smart fellow who was trying to make partner in his law firm. He had been told upon his hiring that he’d be responsible for attracting business to his company. He bluffed his way through the interview by mentioning how many people that he knew and how many big cases he had worked on successfully. He didn’t mention that the business wasn’t his, or that he was TERRIFIED of calling all of the people that he knew and asking for business!

When Kirk and I finally got together I asked him to start by naming all of his strengths. We went over all of the benefits that any of his clients or future clients would get by working with him. I had him post these in his office so he’d never doubt how talented he really is in work.

Next, we outlined what sorts of clients he should secure and then wrote a list of any current or former friends or colleagues that he knew. We developed an information sheet on each of them which would be later transferred to a contact management system such as ACT or Goldmine. On each of the sheets, Kirk had to go and write about the person. He wrote down anything he knew about them professionally or personally. These ranged from where they went to school to their spouses names, to their hobbies.

Next, we put them in order from A Accounts ( HUGE!!!) down to D accounts (Barely worth calling) and everyone in between. When all was said and done, Kirk had a list of about 25 people on the A list and those were the ones that we focused on.

Those names went into the computer. We then called and got all of their current information such as emails, secretaries names, firms, etc. We then wrote a letter that was sent to each of them announcing his new position and then said that Kirk would soon be giving a follow up call to say a quick hello. The letter was written in a casual manner, and not too formal. It definitely did NOT look like a form letter from a law firm!

Over time, Kirk redeveloped these people into friends. He did it by meeting them to play basketball, going to networking events with them, or inviting them to political speeches. He was able to get tickets for a few of them to different events and basically became a resource to the whole legal profession for most of them. Kirk became a FRIEND to these individuals, their firms and as a result, guess what happened?

Kirk started bringing in business of course! Not only that, but his bosses wanted to know what he was doing and how it all started. Needless to say, a few of his co workers were in the position to hire a coach and we duplicated Kirk’s experience.

Developing into a sales professional is a scary thought for someone who is afraid of sales. But turning into a resource for your friends and colleagues is not only fun, but a great way to learn and grow your business. And if you get stuck, call me! I’ll help you through!

Mary Gardner, The Charisma Coach! is an Executive Communications Consultant and Trainer. She works with, coaches and trains individuals, sales teams, executives, and celebrities. She owned and operated one of the first coaching institutions on the east coast, CCI, in NYC, Philly and NJ. Mary has appeared on ABC’s 20/20 and has self published a book on public speaking. Mary is married to Sway and is mommy to Jeremy 5, and lives in Orlando, FL.

For information contact: mary@marygardner.com or Web: www.marygardner.com

How To Write A Press Release – The 10 Commandments Of A Great Lead Paragraph

How to write a press release is a major challenge facing both experienced and aspiring PR professionals.

Press release writing is a learned skill. This article contains press release sample writing, including that all important first paragraph.

“If it bleeds it leads” is a famous saying amongst news editors on why certain stories are on page one or first up in a TV or radio news bulletin.

With so many big news stories breaking recently, such as the Pope’s death and the Navy helicopter crash in Indonesia, how can you make your media release stand out?

Well, the success of a news release being followed up by the media depends on the all important lead or first paragraph.

After the headline, this is the first message an editor or journalist will read and it is one of those critical moments of truth when you either win over or lose the media.

The first paragraph sets the structure for the whole of the media release.

Take this example of a very poorly written opening or lead paragraph that was actually sent out from the office of Northern Territory Opposition spokesman, Richard Lim on March 9, 2005.

Shadow Minister for Employment Education and Training Dr Richard Lim says that private registered training organisations which provided vocational education and training for Territorians are struggling to survive because over the last two years, the Northern Territory Government has a policy of using the Equipment Grants for government providers only, they being the Charles Darwin University and Batchelor of Indigenous Tertiary Institution.

(Source: D.D. McNicoll, The Diary, Media Section, The Australian, Thursday march 17th, 2005, pg 22.)

What is this person trying to say?

As a media and communications specialist working with clients, I find I spend at least half my writing time working on that all important first paragraph. It is were all the value is.

Here are my Ten Commandments for writing a great lead paragraph. A good lead paragraph must:

1. Summarise The Whole Story.
This is the sharp end of your message and the reader must understand what the whole story is about just by reading the first paragraph. The most important and critical information must come first.

2. Answer The Five W’s.
It must answer the who, what, when, where, and why of the story.

3. Grab Your Attention.
Like a good headline, the lead paragraph must grab and hold the attention of the reader.

4. Make Every Word Count.
Aim for brevity and word economy. Less is more. Edit out words to increase impact.

5. Make Sense.
Write for meaning.

6. Be Accurate.
Always stick to the facts and be truthful, no matter how bad the news. Avoid fluff and hype. Remember it has to be newsworthy.

7. Keep To One Sentence.
Simplicity is the key to great lead paragraphs.

8. Provide Context.
If you are introducing an organisation or person for the first time, put this in context by providing descriptive, detailed and meaningful words immediately prior to the company or individual name.

For example:
Thomas Murrell – poor, no one knows who he is!
International business speaker and co-author of Understanding Influence For Leaders At All Levels, Thomas Murrell – better and puts person in context.
Different descriptions can be used, depending on your objectives and the context of the release.

9. Be Precise.
Precision is vital. Out of all the information you could get across what is the most important? This must be communicated in a precise way.

10. Edit, Check and Proofread A Minimum of Three Times.
Nothing will shoot your credibility down like a typo or error in the lead paragraph. First impressions count no matter how good the story is. Professionalism is essential. Get someone else to check and read your release.

Thomas Murrell MBA CSP is an international business speaker, consultant and award-winning broadcaster. Media Motivators is his regular electronic magazine read by 7,000 professionals in 15 different countries.

You can subscribe by visiting http://www.8mmedia.com. Thomas can be contacted directly at +6189388 6888 and is available to speak to your conference, seminar or event. Visit Tom’s blog at http://www.8mmedia.blogspot.com.

Looking For An Affiliate Internet Marketing Tip

Here’s a few affiliate Internet marketing tips that can help you earn extra
money for little effort on your part. Do you currently have a web site that sells products? If you do, developing an affiliate program may be the opportunity you are looking for. An affiliate program is a way to obtain an increased sales level while gaining new customers and increasing awareness of your site. To get started, examine an affiliate Internet marketing tip and see if it’s right for you.

The first affiliate Internet marketing tip is determine if starting your own program is right for you. A successful program requires both time and money. You must be willing to work with those that will be your affiliates to help them promote your products. Your affiliates should be treated as business partners in the sense that they are working both for you and with you.

Another affiliate Internet marketing tip is to be careful the percentage you wish to offer and examine how you will pay your affiliates. Most affiliates earn 8% to 15% off the sales price of all the items bought by people brought to your site by theirs. If your profit margins are not high enough that it easily absorb the added expense affiliation brings, you may wish to reconsider your percentages. Most affiliates are paid per click, per lead, or per sale. Determine which is right for your business before offering affiliate programs.

An affiliate Internet marketing tip that deserves to be mentioned is to make sure your affiliates are promoting your sales as they are supposed to be doing. It’s just like an employee or business partner that is not holding up their responsibly. You may wish to have a minimum sales requirement quarterly or yearly to keep the affiliate relationship alive. If you keep in mind an affiliate Internet marketing tip or two in your brain while you are structuring your program, surely you will fund success.

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Examination of Discovery – Finding the Right Networking Group

Why would I pick this group over another group?

How many business leads groups have you heard about? I have heard of dozens and each has a group of 20 or more people. The problem is that they often have restrictions on the number of people in a particular category. Fortunately or unfortunately, this limits the number of groups that you can choose from. Sometimes a group will have several Chapters, especially when one group gets too large and people in the same category want to join. These splinter groups are often small to start with and then find themselves on the same treadmill. So how do you find the right group for your business? I suggest that you get invited to several groups and test the waters.

Even if you have the same category as someone else, you should find a way to be invited. You will not find out about how the meetings are conducted and how leads are handled unless you become a participant at one or two of their meetings. Let the group know that you are looking for the perfect group to join and are researching how business is handled. You can also find out a lot about a group by contacting current and past members.

It is best to take a survey of those members that are advocates, those that have left the group for various reasons and those that are only half-heartedly a member. It pays to research. Let me say it again, it pays to research!

Once you have conducted your research, you will need to make a decision on which group is best for you. You will need to take that research one step further and compare your ideal customer with what each group has to offer. For example, a group that is composed of dentists, doctors, and other health professionals will not be ideal for a company selling beauty product. On the other hand, the group would be ideal for cleaning supplies and computer technology. Depending on your business you will have to define the best group for you.

Bette Daoust, Ph.D. has been networking with others since leaving high school years ago. Realizing that no one really cared about what she did in life unless she had someone to tell and excite. She decided to find the best ways to get people’s attention, be creative in how she presented herself and products, getting people to know who she was, and being visible all the time. Her friends and colleagues have often dubbed her the “Networking Queen”. Blueprint for Networking Success: 150 ways to promote yourself is the first in this series. Blueprint for Branding Yourself: Another 150 ways to promote yourself is planned for release in 2005. For more information visit http://BlueprintBooks.com/

Look For a Great Mortgage Online

People who are looking for a mortgage today have many more options than those who were searching for a mortgage a few years ago, thanks to the Internet. Consider how technology has changed the way we do many things, including shopping for products and services – including loans and mortgages. This change is largely due to the sheer number of people who log onto the Internet every day and businesses that see the opportunity to tap into that market.

When people looked for a mortgage using only local lenders, options were greatly limited. If you couldn’t find a good deal in your immediate area, you could make the drive to neighboring cities and begin the application process all over. Today, thanks to the hundreds of lenders who use the Internet to market their service, you are no longer bound by geographic restrictions. Instead, you can shop for a mortgage from lenders across the country and even around the world.

Another great benefit of searching for a mortgage from an online lender is that these lenders are in direct competition for your business. For the consumer, this means that you’re more likely to find great rates on the mortgage you’re applying for. Because you’re shopping with multiple lenders at the same time, it’s also easy to compare the terms of those loans making it easier to choose a mortgage that suits your circumstances.

Remember that you still have to be smart about the shopping process. Don’t offer up personal financial information such as social security numbers, bank account numbers and other identifiers until you are making an application. During the shopping process, you should be able to get interest rates, terms and other information without providing that kind of identification. Be wary of up-front fees and lenders that guarantee you’ll be approved for a mortgage regardless of credit history. Take time to check out the company’s privacy policy on the website before you apply online and verify that the company actually exists. A reputable lender will have a home office with a physical address and real people who answer the phone when you call.

Jeff Lakie is the founder of Online Mortgage Quote – a website providing free mortgage quotes.

Quality Staffing – Stop Placing the Wrong People in the Wrong Jobs

You can possibly teach a turkey to climb a tree – but it is a lot easier to hire a squirrel. Quality staffing means selecting the right people with the right skills for the right jobs and at the right time. A good hire can take the weight of the world off your shoulders. A poor one can eat up your time and energy and weaken an entire team. So, why do so many leaders place so many people in so many wrong places? Here are five key reasons.

Failure to prepare.

When leaders are so busy dealing with multiple issues everyday, they may not have the time to do the front-end homework that is required. Find the time because bad staffing decisions can be costly in terms of your time and your money.

Failure to identify success factors.

You must go beyond the job description. Make a list of the qualities to be successful in the job. It could be two or three or it could be 10. Then go out and find people who have a giftedness to match those qualities.

Failure to evaluate correctly the person’s skills.
If the position requires someone who is detail-oriented, then determine if the candidate has this competency either through behavioral interviewing or through some form of assessment.

Failure to do deal with a poor fit.
Something changed. Maybe the job, the organization, or the person changed. Maybe everything changed. Many people end up in the wrong place because they stayed in the right place too long. So the right place can become the wrong place over a matter of time.

Failure to be patient.

Sometimes the person is in the right place, but they have to grow into it – they have to be trained and developed. You know they have the giftedness, they have the ability, they have the passion; but they need time and someone to help them.

Marcia Zidle, the ‘people smarts’ coach, works with business leaders to quickly solve their people management headaches so they can concentrate on their #1 job – to grow and increase profits. She offers free help through Leadership Briefing, a weekly e-newsletter with practical tips on leadership style, employee motivation, recruitment and retention and relationship management.

Subscribe by going to
http://leadershiphooks.com and get the bonus report “61 Leadership Time Savers and Life Savers”. Marcia is the author of the What Really Works Handbooks – resources for managers on the front line and the Power-by-the-Hour programs – fast, convenient, real life, affordable courses for leadership and staff development. She is available for media interviews, conference presentations and panel discussions on the hottest issues affecting the workplace today. Contact Marcia at 800-971-7619.

Three Key Facets Of Successful Network Marketing

Network marketing has many aspects, but promotion, persistence, and patience are three key elements which are critical to achieving successful results.

PROMOTION is the lifeblood of network marketing. Whether you are using online methods or offline methods, or a combination of both, you must constantly strive to get your offering in front of a targeted audience.

There are thousands of published sources that deal with specific methods of network marketing (both online and offline), but the key point to be made here is that you must have an active promotion campaign designed to bring in a steady stream of new prospective downline members.

PERSISTENCE is a key element in network marketing success. You’ve gotta “just keep on keepin’ on”, even though frustation levels can be quite high at times.

After you have been at it a while, and have a downline large enough to provide reasonably accurate statistics, you will probably find that about 95% of your downline members are dormant and do nothing at all. Its easy to get down in the dumps or take it personally when you encounter so many “do nothing” people.

Therefore, it is really important work with and actively support the 5% or so that are serious about participating. And clearly, an active and effective promotion campaign will continue to bring in increasing numbers of potential participants so that while 5% is small on a percentage basis, it can still be a sizeable amount from a pure numbers standpoint.

PATIENCE is vital. You can expect that it will take about a year before the awsome power of geometric growth kicks in.

A classic illustration of geometric growth is the frequently used penny-a-day example.

If you save one penny on the first day, and double it every successive day, (day two you have 2 pennies and day three you have 4 pennies, and so on) how much will you have at the end of 30 days? The answer, to the astonishment of many, is $5,368,708! Amazing, but true.

Its a sad statistic that most network marketers fail and it is often traceable to the fact that they did not exhibit enough persistence and patience to continue constantly promoting their business for the year or so that is required for success.

Network marketers that stick with it for a year or more often end up becoming the proverbial “heavy hitters”.

In closing, I would like to encourage you to increase your chances of becoming a successful network marketer by always keeping a clear focus on “the three P’s” of Promotion, Persistence, and Patience.

About The Author

Kirk Bannerman operates a successful home based business and resides in California. For more details, visit his website at http://business-at-home.us

Sorting through mortgage elimination programs

Mortgage elimination programs are all the rage these days. In the event that you don’t know what they are, it’s a really basic concept. You apply more money to the principal balance on your loan or you make payments at times other than once per month, and ultimately you lower you balance and pay your mortgage off sooner than the original term. It sounds great, but be careful what you read, because there are a lot of these mortgage elimination programs that either don’t make sense or just plain scams.

I clicked on a website gloating that it had a program that would eliminate your mortgage in under a year. Wow! A 30-year home loan eliminated in one year. Sounds great; you’re in, right? Not so fast. When I subscribed to a mailer to get more information, I received a very cryptic message that said the program was currently put on hold because the US patriot act makes it impossible to proceed with the necessary offshore banking transactions, which were necessary to make the process a success. Now, I’m not sure what all this means, but I do know I don’t want someone sending my mortgage payments to some offshore bank account. This sounds like something straight from a John Grisham novel.

I’ve already written about the inverse mortgage, which holds that paying one’s mortgage every three weeks instead of every four will help eliminate your mortgage in five years or less. Although the jury is still out on this program, I’ve done the math, and it simply doesn’t add up.

Finally, I’m still investigating a program called, Mortgage Cycling. Although I don’t know all the detail on this one, I do know that it involves taking a home equity loan and adding this money to your principal mortgage. Again, I’m not getting it. Why take more money out against your real estate, so you can pay it back on the same house. Isn’t this sort of borrowing from Peter to pay Paul?

At any rate, I’ll keep investigating. Meanwhile, beware of any mortgage elimination program. If you want a safe way to eliminate your mortgage more quickly, please refer to the wealth-building program, Winning the Mortgage Game.

Mark Barnes is an investment real estate and real estate finance expert. Get his free mortgage finance course at http://www.winningthemortgagegame.com and learn more about his wealth-building system. Mark is also the author of the new novel, The League, a shocking, sports-related conspiracy. Learn more about his suspense thriller at http://www.sportsnovels.com