real estate investment formula

real estate investment formula.  It was a simple formula of real estate. The ads ran in our small town newspaper for years before I realized exactly what was happening. They were always the same: A house for sale with 5% down and payments of 1% of the purchase price. Maybe a three bedroom home for $ 90,000, for example, with $ 4,500 down and $ 900 per month payments.

When a friend started doing the same thing he explained the process to me. It was a way to get a great return on capital, and it was the opposite of buying with no money. No down payment at all with the purchase, because you buy for cash.

The simple formula <B> Real Estate </ B>

You probably know that when you buy for cash, you can often get a much better price. No financing contingencies of the offer and the promise of a faster closing, sellers are willing to sell for less. You can offer $ 95,000, for example, in a house that could be worth $ 108,000. If you can get for under, say, $ 99,000, you walk away - there are always other opportunities.

Once you purchase the

house, put a few thousand on repairs and improvements of high performance. These may include paint, carpet, and maybe asphalt for a dirt road. For our example, let's say you spend $ 5,000. Suppose the house is worth $ 116,000 now. You are ready for the next step in this real estate formula.

You put it up for sale, targeting buyers who can not get financing easily. You provide the financing. Because you are making it easy for the buyer, you can get more than the $ 116,000 value for the home - and do it without paying a realtor commission. Let's say you sell it for 123,000. The buyer has a down payment of only 5%, or $ 6,150, and makes monthly payments of $ 1,230 per month. They charge higher interest rates that banks will, of course.

This is a win-win situation. Your buyer can purchase a home instead of renting, and you get a capital gain of perhaps $ 16,000 after expenses, plus good interest. Your total return will often be over 20%!

In our town, the first to make it consistent

tently were a father and son team of counsel. They saved money by doing their own foreclosures when necessary. Once awarded, they raised the price and sold the house again.

They made millions. Did you know that if you can get an average return of 18% on your money, you will become $ 75,000 to more than a million dollars in about fifteen years? That's the power of a good real estate formula.

Read more

refinance mortgage loans people bad credit (usa)

refinance mortgage loans people bad credit. In this article, we will provide information to help you understand the choices you have available to you in regard to the matter of debt consolidation loan and mortgage refinance options.

 The fact is that millions of Americans with bad credit, refinance their home mortgage loans every year, using sub prime loans mortgage refinance. Virginia mortgage refinance loans can be used to pay the mortgage, either first or second in Virginia. Finding a California sub prime mortgage refinance loan lender requires research.

In making a comparison of prices and costs, for taking the time to shop around, you will be able to find a debt consolidation loan and mortgage refinance option that really suits your needs. Generally, you will not have to pay anything to the broker to help in the search for a debt consolidation loan and mortgage refinance options that you can consider. You want to make sure you are dealing with a debt consolidation loan and mortgage refinancing that has experience, prestige and credibility.

These lenders have dedicated staff who work with consumers who have low credit scores, seeking mortgage refinance loans. The most popular options for bad credit loans are home cash equity home loans and refinance your home. When it comes to debt consolidation loans and mortgage refinancing options, you will have to take into account the very lender through which you have your current mortgage.

A bad credit mortgage refinance may be possible for you. Lenders offer bad credit mortgage loans bad credit refinance home loans, bad credit and hard money loans. You can access this type of lenders that specialize in debt consolidation loans and mortgage refinancing options online and in the real world.

If you decide that mortgage refinancing is the best option, then pay close attention to the mortgage refinance rate. The big question is "can obtain a mortgage refinance loan with a low credit score. A Virginia mortgage refinance loan is a good solution for people in Virginia who can not meet their monthly mortgage payments.

Yes - it is a truth that a person with a credit score above 670 will be easier to get a mortgage refinance loan that a person with a low credit score - but this does not mean you can not find a loan. As the value of your home increases and decreases the balance of your home, you may be eligible to remove your PMI with a mortgage refinance loan. When the bad credit mortgage refinance you are using your home as collateral.

You will be able to find the debt consolidation loan and mortgage refinance option makes the most sense for you economic and financial, a loan package that will work for you today and down the street from the future. refinance mortgage loans people bad credit.

Read more

Stress management techniques relaxation

Stress management techniques relaxation. Stress, fatigue and physical exhaustion have become a way of life for many people. You need to feel that you can get an idea of ​​what stands out, and disseminate this stress in different ways in order to maintain the health of both their physical and emotional.

The ways in which stress and other causes can come from habits or our own thoughts and feelings about how things are going. Or maybe their own actions can be configured to cause less stress.

If you want to be calm and relaxed, with less stress make sure you read these different management techniques of stress for some ideas to help.

1. Be organized. You can plan all you want, but if you can not find the project, list or information to come to work with him, it's pretty stressful.

2. Make a list of what you want to accomplish, and then decide which are the most important things to do on that list. Do that first and then go to the less important elements.

3. Allow interruptions and changes. If you program yourself so strong that it can not be interrupted by the 15 minutes I spent talking to an unexpected, you may find yourself very stressed. Chill out and realize that there will be some disruptions and can handle that.

4. Have realistic expectations of yourself and others. Nobody is superman. You can not get three days of work done in a day. Do not wait until the last minute and put so much emphasis on himself with a huge amount of work.

5. Take time for a break a couple of times a day. It's like changing gears and allows your mind to rest for a few minutes while you do something you like, not something you have to do.

6. Find some time each day to exercise or take a walk. This helps burn more stress.

7. Once you finish the day, take some time to relax. Find hobbies that you enjoy and that reduce stress.

Stress is a part of life, but there are ways to eliminate stress and not let the best of you. These techniques and different stress management tips will help you find ways to manage stress.

Read more

How to change negative beliefs about yourself?

How to change negative beliefs about yourself?. Self-sabotaging behaviors that impede conditioning yourself for success. And changing those long, established patterns of behavior like self-sabotage is as difficult as the recognition and understanding.

How, then, can you eliminate sabotaging beliefs and emotions? First, understand and accept yourself before attempting to understand and accept others. You have to take a trip into the personal evaluation. This means looking inside yourself and listen to your inner dialogue or self talk. Be open-minded to what you see and hear when understanding their beliefs. This is essential when making constructive changes in their behaviors. Decide how far you want to go deep introspection before it is your decision. However, you can take your life to a new level when you discover promote harmful ideas to eliminate self-talk and behaviors that undermine.

The decision to set aside self-sabotaging behaviors that impede change requires courage and a personal commitment to develop more effective action. Before you go around thinking you can change beliefs and behavior of others, you have to change yourself first. This means overcoming resistance and sabotage behaviors that have prevented experiencing an optimistic attitude. No matter what obstacles you face, developing a positive attitude, and behavior change unsatisfactory and beliefs, will awaken to eliminate self-sabotaging behaviors.

What concrete actions can be taken now to meet and exceed your sabotaging beliefs and self-destructive emotions?

1. Recognize that you are at the crossroads where your decisions and choices are yours and yours alone.

2. realize that you are the one making the conscious decision to change your internal dialogue and beliefs and behaviors that undermine. No one else can do it for you.

3. Replace "I can not" or "I will not" to "I Can, I Will" consistently. Pay attention to the emotional changes that go inside. Be prepared to describe physically changes and write them down. Repeat the process of writing their feelings and behaviors and compare notes changing every day. Measure your progress by visible repetitions of positive behaviors and healthy internal dialogue. Continuous negative internal dialogue will create resentment and disempowering beliefs. Self Resentment is the seed that grows into self-sabotaging behaviors. 

4. Plant the seeds that produce positive beliefs, enhancing and actions. Ask yourself, "Are my actions connected with producing pleasure or pain-producing situations situations?" Take the path that gives pleasure, not pain. The growth experienced event staff face of fear or pain or adversity, it is important for self-improvement. However, do not make a steady diet of it. You can grow and change by cultivating positive emotions such as joy, excitement and happiness.

Read more

How to prepare for a career in sales

How to prepare for a career in sales. No matter how well you are doing in your sales career, I guarantee that a life coach can help you achieve an even higher level of success - a life coach could probably even double its revenues this year. This may sound like a bold statement, but I have seen the dramatic results exactly that time and again. Therefore, if you have never heard of a life coach, or are familiar with the concept, but are not really sure how to help you grow as a sales professional.

A life coach specializing in the inspiration to go beyond the ordinary, to raise standards and the definition of success to a level that you are really capable of. Most people will never achieve what you are really capable of, simply because they have formed a partnership to make it happen properly. A life coach is just that - a true partner in your success.

Here are three specific reasons for all sales professionals should consider partnering with a life coach:

* A life coach will not only celebrate their victories, but it helps you learn from your setbacks. Let's face it, sales have to get used to rejection. But how to use and learn from that rejection is a determining factor in the success it can be. A life coach helps talented put into perspective their successes and failures, so that you can benefit from both. 

* A life coach does not judge you. I'm not saying that everything I ever hear a life coach is a rosy picture of where you're headed. That would not be fair, and not my way of handling my clients. But what is a life coach to do is listen to what they are saying without sitting in judgment, and without over-analyzing.

* A life coach gets to know its value, passion and purpose of life-... and will hold them. It's easy to get sidetracked, to lose sight of what is really important in your life and career. The job of a life coach is to help maintain your focus to not deviate. You just keep working towards their ultimate goal is one of the most powerful services that a life coach can offer.

Read more

Individual goal setting at work. 3 tips

Before opting for a single goal fits your goals program, you should work that goal through a process that can help determine if it is necessary to achieve this goal at the present time. This can take considerable time, but can save much time and frustration by eliminating goals that are not for you at this time and help you identify what you need to focus on this time.

1. The objective on your goal:  

Your goal should be specific, measurable, achievable realistic, and timely. Remember: Some goals should be large and some of the goals should be far-reaching.

Important goals should be divided into smaller parts to ensure daily accountability. For example, if you want to lose 50 pounds this year, you can break that down to a target of 4 pounds per month or 1 pound a week and then figure out how many calories you need to cut or burn to achieve that weekly weight loss.

2. Identify how you benefit from the goal:  

People often fail to achieve their goals because they focus on the costs and benefits. "If I lose weight," they reason, "I'll have to give up this and that." Or "If I quit, I know I will gain weight and be miserable and difficult to treat."

Instead of focusing on the negative, think of the benefits you will enjoy. When setting goals, make a list of the tangible benefits that will be yours when you reach each goal. Every time you start to wonder if it pursues a goal worth the effort, simply remove the list of benefits and read aloud again.

3. List the obstacles that stand between you and your goal:  

You need to identify the obstacles to be realistic and avoid being surprised. People have experienced many times that they had no idea that the pursuit of such-and-such an objective would be so demanding, requires much effort, it takes so long, and involve many unexpected difficulties. Careful advance planning eliminates much of this disappointment, but we must understand that you can not always see the obstacles ahead. Therefore, commitment, attitude, responsibility, and focus on the benefits remain constant needs. Patience is also very important. Just remember to stay focused on the goal, you can see not only the benefits and obstacles. 

Very few people get excited about the obstacles. A huge traffic jam when you're in a big hurry or a bad cold just before a long-planned vacation does not create excitement in your life. The disappointments or failures of any kind are rarely seen with enthusiasm. However, these same difficulties should generate excitement, if for no other reason that overcoming obstacles makes you stronger and lets rise to greater heights. 

Read more

lesson plans setting goals

The worksheet target setting is designed to help you set goals and design their short-term goals of the activities and strategies to meet these goals. In trying to formulate their goals, keeping terms to mind is not made ​​when it comes to stone and can be changed at any time. It is an effective tool to put off the operation as well as the dream of a small signal. Environment The goal is extremely violent and can improve all areas of your life.

It is through the use of targets that are able to eliminate distractions when you are thinking about your life and focus on things strong. The power to understand specifically what you want, you can focus on those complex areas. The act of environmental objectives will let you see the benefits both short and long term. Specific environmental objectives and allow you to quantify proud when you are thinking of achieving those objectives. You can see forward progress in what once might have seemed a long pointless journey.

In achieving objective can improve performance and enhance confidence. In turn, setting goals helps you stay motivated to achieve and increase the pride and satisfaction when you are thinking of her when it comes to their achievements.

For targets to achieve and accomplish, to be created effectively. The way of setting targets, greatly affects its effectiveness. There are some guidelines to follow easy to understand, to set goals. First, always be positive, and outlining your goals positively. Second, be specific. Set a target complex between incorporation dates, times and amounts determined, measurable achievements on that occasion. In that case, you know very well the goal you need to achieve and be proud when you have reached the target completely. Then make sure you create priorities.  

Whenever you have multiple targets, producing each a number of importance. This will help you avoid being overwhelmed by too many goals. It will also help to turn their attention to more normal - real life goals. Make sure to always write your goals. This will help avoid any confusion. Targets remain minor. The smallest of the goals, which are more attainable. If the goal is too big, you may feel overwhelmed, thus setting yourself up for failure.

Many times people will create their lowest goals and to refrain from failure. If you have a fear of failure, you will not have the risks required for the performance of the roof. As you apply and achieve your goals, your confidence should increase, and will help to take greater risks.  

If you are not a positive thing. It can show the areas they need to improve their skills and performance. Another reason for the environmental objectives is very little since they're taking it too easy. It is regularly easier to take the path less traveled. However, if you are not prepared to test the waters and heavy work, then it is very unlikely that you'll get any real blessing.

Using a spreadsheet goal setting grant to put all these steps in a usable format. The worksheet will allow you to see clearly what your goals and what you need to do in order to accomplish them. 

Read more

Would you like some ideas to start small business in U.S. There is here!

A lot of people like to grab some things from a person or a country due to they have not $$$$., so, that's why those of criminals will being happening in our earth at anywhere and at any countries, so, that's why "WARS" will being happening in our earth too!!! I hate "WARS" and afraid that too. Therefore, if you want to have a business, not just focus on small one, we must have to wish that it is a big......big business due to it is not only able to help yourself, but also it can help the jobless person.

Maybe you can open a busineess about to anti any kind of negative matters e.g. " WARS"!!! That's why I am telling you the front part of the point of my views!!! But I will not to do business, it is because I like to have free style life and I need to have a well sleeping time, if I open a business, I never have those of happy time anymore, at least, not too much of it. So, if you have to got a heart for it, just do it!


Before choosing a buisness , find out whether you have enough knowledge on that particular industry, Do you have enough resources which are essential for that industry . See that the buisness you create is within your budget, do you have enough contacts from people , who can share their experience and ideas about the industry to you . Based on these facts you can choose the best small buisness for you.

Take it your way number 3

you invest your money in Commodity market tips. commodity is the market that helps to earn good profit on daily basis. Although the amount is not sure, but if you will invest more money then you can earn huge profit.


See your surroundings, have a survey. Then decide what things are required by people most. you can think on daily use things. Also you can provide service, which make peoples work easier. Do a survey and then decide.

Read more

How to learn to negotiate a salary in a job interview?

First, never talk salary in an interview...that makes you look like you are taking the job only for the money. Always wait until the potential employer has made an offer, then you discuss salary. If you have experience or skills that are directly related to the job, you are on firmer footing. Realize that the employer will have a salary range and that going above the max of the range will not work.

to negotiate, start by trying to get the employer to make an offer first - this gives you some leverage/negotiating room. If you make the first offer, you run two risks - first that you suggest something less than what the employer would offer, thus screwing yourself or second that you suggest something significantly over what the employer is willing to pay as of which time, they may pull the job offer.


It is best not to bring up salary in an interview. You should not mention what your salary expectations are unless they ask you. Your salary expectation should be in-line with what is common in your area. If you are not sure what that is, try finding job ads that list the salary. Generally when a job applicant brings salary up during an interview it makes the applicant appear to be interested in the money and not the job.

During the interview be sure to mention your strengths that match the job ad, for example if the ad said you need to have strong organizational skills go prepared with a story that demonstrates that. This could be from previous jobs, volunteer work, or even group projects at school.

Once the company presents you with a job offer, then you can look at negotiating salary. However, be sure to keep it realistic. If the normal salary for the job is $11/hr you may be able to request $12 or $13, just don't aim to high, otherwise they may withdraw the offer.

Read more

What are financial derivatives and how do they work?

I need to know this for a school assignment and I am not planning on going into anything business related so I have no idea what they are. I have searched online but I am not getting a very clear answer. If anyone could help me this would be greatly appreciated.

Consider this:

They are contracts between two parties where the value of the contract is contingent upon the future value of certain assets. For example, if I approach a farmer to buy next year's crop of corn for $1 million, then we have a derivative. Here's why:

1. The farmer may not be able to produce a crop next year. (I lose.)
2. The market price of next year's crop when it is harvested is worth $1.5 million (I win).

- - - - - - - - - -- -

Derivatives include contracts to buy or sell something for future delivery (forward and futures contracts), contracts involving an option to buy or sell something at a fixed price in the future. (options) and contracts to exchange one cash flow for another (swaps), along with simple combinations of forward, futures and options contracts. (Futures contracts are similar to forward contracts, but they are standardized contracts that trade on exchanges.)
- - - - - - - - - - - -

Derivatives mean investment vehicles. You now can figure out the rest.

Read more

Where and how can you get a debit card just to shop and sell online?

So I was working this summer and they gave a me global cash card debit card and i used it to buy and sell stuff on amazon, but i quit working and the card is mainly used to shop and sell online. the card expires in 2014 and i was wondering if i can lose my money in the card since no money is being transfered into my card from work

Consider this:

The card is actually attached to a bank account that you don't have full access to.

If you want a debit card that you have full control over then you go to a bank, open a checking account and deposit money into that account. The bank will issue you an ATM check card for the account. Just make sure they give you one with either Visa or MasterCard logo so you can use it to buy stuff online.

You can ask the bank to help you transfer any funds from the global cash card to your actual bank account. This way you can get all the money out of it before it expires.

Read more

Where can you invest your money for long term in U.S?

I want to utilize this money for my kids education after 10 years. Where should I invest this money so that I can get maximum return in 10 yrs time. I want to invest in scheme which can give me gaureented return. I am not interested in investing this money in equity or MF.

Consider this options:

Present day five lakhs is nothing. Approach LIC they have child education plans. They will guide you what sort of policy you. should invest on.

- - - - - - - - - - - - - - - - - - - -

Rule No.1
Not to store all the eggs in the same pot .

Rule No.2
Converting money as gold or land
would give more value for long term saving

-Go for lockers for gold.

-Go for reliable sellers for land

Rule No.3
Deposits in bankings cannot fetch high returns like gold or land
-Provident Fund a/c or similar deposit is the third option (after and

- - - - - - - - -- - - - - - - - - - - -

You invest in Debt related Instruments like Non Convertible Debentures of reputed companies which will ensure you to give higher than Bank FDs and not risky also.

- - - -- - - - -- - - - -- - - -- - - - --

invest in NCD( non converitible debenture ) of good companies . avg interest rate of ncd is more than 11.5 / annum . never consider insurance as an investment option . return from insurance is very less.

Read more

The best charts for tracking the silver price in real time is

Northwest Territorial Mints site ... These are some of the best I have found. They are very interactive, so you can sort through a mountain of historical data and the mouse over on certain days.
The best part is that they are live and updated in real time.




This is one of the best and you can get it in one minute intervals every week, every day, every hour or 5

Read more

What do you need to know about...? I need to know about...?

Hello! how are you, hope fine, I'm sorry, I've been working on other things and forgot a bit this blog, thank you much attention in taking the time to read the articles that I write here.

For anyone interested in business and finance issues, especially in some particular subject, I would like to leave me a comment about what you need to know, I can use my time to give them the best information.

Soon I will put a subscription email to make it more personalized

Also I will publish articles of general interest to keep my blog updated, but I will focus more on what you need.


Jose Sicaja. (Jasa)


Read more

Things get done more quickly and efficiently when establishing a written project plan

There's something about writing your plan on paper (or your computer) that makes your goals for a more realistic and achievable project. When writing a project plan should be very specific about the details of the project - outline the hows and whys, whens in a clear and organized format to be viewed by all members of the project team.


Define the objective of the project and summarize in a sentence or two on top of your project plan. Enter your project plan in a Microsoft Word or use complex software such as Microsoft Project 2007. Give the project a catchy name still relevant so you can refer to when discussing project progress with your employees or team members. For example, the "CSI" could be the name of a project in which to do research on customers.


Decide on an undisputed leader of the project team, it is extremely difficult to achieve a project plan when you do not have a clear contact person for all final decisions. Type the name of the person at the top of the project plan as "project manager", so there is no confusion among team members about who is in charge.



Define step tasks that must be completed during the project and set your goals. Decide who will be the contact point for each individual task. Determine a budget for each task and the tools and resources required to complete the task. Estimate a timeline for each task and set firm deadlines. For example, in our example, the research may have the following entry:

Task: Organize focus groups.

Objective: To ask 10 people paid for the study.

Deadline: May 1.

Budget: $ 500 to pay members of focus groups, $ 100 for two weeks including classified.

Resources needed: Conference room with two-way mirror booked.

Point Person: Ellen Brown.

Add a column in the project where the project can be marked as "To be completed", "In Progress" or "Done".

Organize project tasks in a logical order. In the example of focus group, you obviously want to organize your focus group before carrying it out. After conducting the focus group, you must add one more step to analyze the results. Organize the project plan will help you progress successfully in the plan and check things off as you go. Add and adjust your project plan that you and your team members to complete tasks.


Read more