My Worst Real Estate Investments and What I Learned From Them

 Gifts  Comments Off on My Worst Real Estate Investments and What I Learned From Them
Aug 202023
 

In doing wholesale deals there are certainly a lot of things that can go wrong. One example is a house that was bought and taken over subject to the existing financing (where the sellers mortgage remains in place and the seller deeds over the property). At first the seller seemed like a nice guy having good intentions, but he didn’t pay his bills. Soon began the problems of getting the guy out of the house. The guy had come into a real hard situation, his daughter had been shot and he was given a lot of grace, basically he was allowed to live rent for free for quite some time. But eventually the guy left owing a $700 bill. It would have cost more money to try to collect from him legally than we could collect from pursuing legal action. We consider that we did two mistakes in this case: first, we didn’t set appropriate boundaries with the seller and the second one, we trusted people a little bit too far. So, everybody should keep in mind what former President Ronald Reagan said: “…trust but verify!”

The next big mistake was on another subject to transaction. This guy said that all he wanted was $5,000 and he had a pay off statement that indicated his pay was off was $22,000 and that number worked, 22 plus 5 is 27. At $27k this is a good deal so we went to a money partner and said pull out the $5,000 and let the sign over the deed right and then we would go and pay the mortgage for a couple of months and then would pay off the house when we wholesale in the next 30 or 60 days. So, we gave the seller the $5,000, but we forgot to do the title search. What the guy didn’t tell us was that the $22k mortgage was not the only mortgage, but he had a 2nd short term mortgage loaned from a mortgage company and he was already in the process of foreclosure on it too. Now we would have to pay off another $6k and so the deal was no longer any good. We felt it wasn’t a good deal anymore as we had already given $5,000 and now we would have to give a $28,000 pay off and be in the house at $33k. The guy didn’t give the money back and again trying to persuade him legally would have cost more than we had to collect. That’s the way we lost $5,000. So, when you start a deal check the title first before giving the seller any money! You don’t want to lose your money! This is also a reason to avoid kitchen table closings as opposed to spending the money with a title company or closing attorney, because in the long run doing it the right way will save you money and let you sleep better at night.

SEO vs PPC

 Gifts  Comments Off on SEO vs PPC
Aug 152023
 

Playing around on the forum today I saw one of those post that you see every time some one brings up the letters PPC.It goes something like SEO is better.

I’ve seen these post over and over anytime the letters PPC come up but I have to wonder is it really better and has anyone tested it?

I believe that both SEO and PPC are important in building a marketing campaign.

But which is the most successful?

I’ve not done any testing myself but would like to take a look at some of the arguments put up by the SEO guys.

1. You don’t have to worry about click fraud with SEO.

This is only partly true. If you spend the time to find keywords no one else is bidding on then you don’t have to worry about click fraud.

Your also able to prevent your keywords from going across publishers sites, which a lot of the people that are bidding on higher keywords do and is the reason so many people that are building AdSesne sites targeting the higher paying keywords don’t see the higher paying clicks.

Done right click fraud should not even be a concern.

I’d recommend finding someone that deals with PPC campaigns and let them handle yours for you.

I wonder how many times people have spent months trying to rank for a certain keyword to find it was to difficult and go in a different direction?

Whats worst, a month worth of hard work lost or a 10 cent click that want convert?

2. Why buy the cow when you can get the milk for FREE?

Not sure how many people have spent the time trying to rank a site on the search engines but SEO is not free.

If you hire someone it can be very expensive and if you do it yourself it can be very time consuming.

3. No bid wars.

If your not going after competitive keywords then you don’t really have to worry about this in PPC either.

4. You’re helping to improve search engine relevancy.

This one is true and I rather like it, so I left it in. Of course your job is about making money online so how relevant the search engines are should not be a concern of yours.
5. People trust organic results more and they look there first!

People do tend to look more at organic results and they tend to look there first but the serious people move on to the PPC ads.

Meaning you cut out a lot of the people that are just looking around with no intentions of making a purchase.

Saving on bandwidth and money.

6. Organic results won’t dim or disappear when a budget runs low.

True but then PPC want dim or disappear on the next update.

Also keep in mind that done right you should be making money with each campaign allowing you to continue month after month with an increase in budget and not a decrease, making this idea a little untrue.

I’m sure Ive missed a couple in there but those are the ones mostly used.

Now lets look at why I think PPC is better.

1. Your able to build your pages for your customers and not for the search engines.
2. Your able to use flash or anything else you want to use.
3. Your able to test different pages to see how they convert traffic into customers.
4. The next update is not going to hurt you.
5. Your able to change keywords any time you want.
6. You have total control over what page your visitor will enter your site.
7. You pay for the visitor and not the ranking

Now don’t get me wrong, I believe that organic ranking is a very important part of any marketing campaign, I just don’t believe that it’s better than PPC.

Mortgage tips your lender doesn’t want you to know

 Gifts  Comments Off on Mortgage tips your lender doesn’t want you to know
Aug 112023
 

If you are having difficulty getting a good deal on a mortgage whether because you have a poor credit record or because you don’t have enough cash for a deposit then there are a few steps you can take to get a better offer.

Improve your credit rating
About 70 million Americans are affected by an adverse credit rating. If you are in this category it may prevent you from accessing some of the very best mortgage rates available. An important thing to understand is that this rating is something you can work on to improve, it can take time but it’s well worth it. Before you apply for any mortgages get hold of your credit report. These reports can often contain errors and it is worth contesting these to get a better rating. One good way of improving your rating is to arrange a small short term loan. Keep the money in a high interest account and repay all the installments in good time. This will help make you look like a reliable borrower.

Improve your cash deposit
The mortgage rate you get generally depends on your deposit to loan ratio. So if for example you buy a home borrowing 60$ of the value because you already have the other 40% in cash, you will get a better mortgage rate than if you only had a 5% down payment. If you are close to the threshold between different rates it may be worth considering borrowing a few thousand dollars, say, to put you in the cheeper bracket. Be careful with this one as if you borrow too much it may attract the attention of the mortgage lender on your credit record. Try borrowing in small amounts from different sources to avoid this.

Improve how you look on paper
One way you can get a better rate is by getting a better income. We cant all just magic up a bigger pay check but we can work at making us look better on paper. Think of every little bit of income you get and see if you can put it through your bank account. For example if you have a son or daughter living with you paying something towards house keeping or someone in the family is a baby sitter or perhaps you may sell on ebay. Whatever it is make the most of it.

Make a good impression
You may be surprised at how much discretion some members of staff are given in making mortgage offers. When my wife and I got our first mortgage we didn’t satisfy all the criteria for the lowest rate but we were able to get it by going into our local branch making a good impression with their mortgage manager. We had all our income and out goings carefully costed and all the information at our fingertips. He had a good feeling about us and talked his manager into making us an offer.

Shop around
It’s not the most well kept secret ever but it is so important to keep looking around for the best deals. Check the internet, newspaper and magazine articles keep an eye on your local banks. If you do get a good offer there is no harm in letting a rival bank know that offer and giving them the chance to match it.


If you need help in working out the best home mortgage rate for you visit http://www.home-mortgage-calculator.biz/

LG KG920: Phone or a digital camera

 Gifts  Comments Off on LG KG920: Phone or a digital camera
Aug 092023
 

Just when, users gave an overwhelming response to 3.2-megapixel-camera phones, right then, LG came out with LG KG920. Undoubtedly, the stage is set for that ultimate competition and the race is on, as LG KG920 has stirred the whole mobile photography race. What more would you expect as a user to do more in photography… LG KG920 is the first ever five-megapixel handset to reach the podium in the UK mobile market. Thus, its obvious that users would be searching for the best LG KG920 deals.


Its amazing 5-megapixel-camera feature has larger than life like capturing capabilities. Moreover, the LG KG920 has a dedicated camera button, which is quite easy to access and also adds up to the value, as it gives a true digital camera experience. Its camera comes with 4 x digital zoom facility and an auto focus feature. With its Xenon flash, user can easily capture photos in dark environments or at night. User can also add frames and effects to their photos to give that desired finish. It has other camera features, which is comprised of automatic flash, filters and a red eye.


The LG KG920 has been designed by LG with its superb features in mind. Undoubtedly, it has a high quality camera to give you that consummate photographic experience. The LG KG920 comes in an alluring silver coloured casing, which is just only 18 mm thick.
You need to take a close look, as from one side, it looks like a digital camera and from the other side it is your very own mobile phone.


To make the navigation easy, the LG KG920 has a firm keypad, which is situated under the screen. Looks would definitely make you crave for the LG KG920. User can easily carry it around, as it weighs only 130 grams. It has somewhat sufficient memory, but as per the requirements, user can easily expand its memory with the use of the MiniSD memory cards.


As far as display is concerned, it has a high colour screen, which is a QVGA type and it provides up to 256k colours. Moreover, this same screen works as a viewfinder for the video and camera features. To do more with display, user can easily customise their screen with the help of wallpapers, which can provide image or photo displays.


To satisfy your amusement side, the LG KG920 has an integrated music feature, which allows the user to play music either on the stereo headphones or over the speaker system. Its compatible music player can easily play MP3, AAC and AAC+ formats and user can also control their music from the phones keypad.


It is rather apparent that the LG KG920 would become the favourite gizmo for people, who love to click and like to do more than talking on their mobile phones. This would definitely make the people look for the better LG KG920 deals.


Get some of the best contract mobile phones on latest mobile handsets on 3 mobile, t mobile, orange, O2, Vodafone and Virgin network. To compare and buy the cheapest contract deals on LG KG920, free LG KG920, please visit the site.

Vacation Rentals In and Around Seattle

 Gifts  Comments Off on Vacation Rentals In and Around Seattle
Aug 062023
 

Location, location, location. It’s the mantra of real estate agents and home buyers, but what about vacationers? Often cheap hotels end up gaining an edge due to their budget-friendly price tags, but when it comes to actually staying in a less than stellar lodging arrangement the general mood can take a dive. This vacation, instead of wishing you had done things differently, set yourself up for success by securing accommodations that will add to your trip in more ways than one.

For instance, Seattle, that west coast city with the cool personality and laid-back atmosphere, has been beckoning to you for a while now. The vibrant downtown scene is attractive, and being positioned in a place that would allow you to take advantage of the nightlife, the restaurants, the theatre and the coffee shops (actually, those are pretty much everywhere) would be ideal. For travelers who also appreciate having lots of space and a truly home-like vibe, the best of both worlds can be achieved by renting a downtown condo. Convenience to the hotspots plus seemingly tailor-made amenities equals a fabulous foundation for all your wonderful wanderings.

Imagine waking up a few stories above the streets where the noise of the city hardly reaches your ears. Take a few moments to absorb the incredible view of the skyline as well as Puget Sound, relishing the fact that your only responsibility today is to have fun and enrich your mind with the culture, history, and natural features of Seattle. Fix yourself breakfast in the easy-to-navigate kitchen if you’d rather save a few bucks, or if you’re feeling extravagant treat yourself to a latte and a croissant from the café down the block. Either way, you’ll be ready for a great day.

Close by are a few eclectic neighborhoods as well as attractions like Key Arena and the Seattle Art Museum Sculpture Park. There’s no shortage of aesthetic wonders in this artsy city, so plan accordingly if you’re in the mood to expand your visual horizons. Also notable are standbys like the waterfront areas with their fast-paced fish markets and amply people watching opportunities as well as the Space Needle and Experience Music Project. There’s no way to leave here without a few moments of awe, always a good thing when looking back on a vacation.

Your posh condo will have bonus details like plasma TV, digital cable, a whirlpool tub and a cute little patio, so don’t be taken aback when you feel perfectly content to stop at home for an afternoon lull in the sightseeing activities. Couples in Seattle will be tempted by romantic restaurants and stimulating diversions of all kinds, but don’t forget that every good trip has some high-quality downtime as well. Rest up and reconnect, that’s what it’s all about.

Outdoors-oriented individuals also flock to Seattle, as it’s not only bustling with energy but with natural beauty as well. The water provides the opportunity to kayak, fish, jet-ski, and stroll along the beach. Hiking trails in the nearby cascades plus the magnificent presence of Mount Rainier add a rugged touch to the urban developments, so by some standards Seattle can be said to have it all.

Vacation rentals a few miles from downtown allow travelers to take full advantage of all that the outskirts have to offer while maintaining high levels of comfort and convenience. Private waterfront homes have a certain undeniable allure, and will no doubt take good care of adventurous souls with boating, bird watching and solitude on their minds. Sleep past your usual time every day in the comfortable bed, focus your attention on your companions, and when the mood strikes, head to the city for some sensory stimulation of a different kind.

Even the classiest digs often offer special deals, so start researching well in advance of your trip to uncover the best deals. Whether you decide to stay smack in the middle of downtown or tucked away along the shoreline, the amenities are sure to please and you’ll by no means end up bouncing any checks. Go online to peruse the stylish Seattle Vacation Rentals, perhaps over a cup of coffee to get yourself revved up and ready, and enjoy the process of planning what is sure to be one of your best trips ever.

Motorola mobile phones

 Gifts  Comments Off on Motorola mobile phones
Jul 302023
 

Life, in the present context, has become fast and more demanding. And any new idea, concept, device or gadget that reduces the stress levels of this fast paced existence is always welcome. In today’s world, mobile phones have therefore assumed greater significance. They enable us to make the most of our time and remain connected in different levels with the people who matter to us in our lives. And among different makes of mobile phones currently available, mobile phones from Motorola have created distinct brand identity and product awareness in the global mobile phone market.


As the name suggests, Motorola mobile phones are designed and developed by Motorola Inc., the second biggest mobile phone maker in the world. The handsets from Motorola are known for their ultra-thin design. People value these handsets for their aesthetic appeal and in many instances, the mobile phones from Motorola are used as design icons as well as status symbols.


There is also an increasing demand for keyboard phones from the Motorola kitty for business users. There are Motorola handsets that offer high-speed wireless Internet access. Then there are the music phones from Motorola, which support iTunes music from Apple Computers. These and other mobile phones have been received well by people, in the UK, as well as in other regions of the globe.


Some of the mobile handsets that have left an undeniable mark on the user psyche include the Motorola V3i D&G and Motorola V3x. The Motorola V3i D&G is a sleek looking mobile phone that is also highly versatile in its capabilities. The Motorola V3x is another good looking handset from Motorola; it supports real time 2 way video calling. It comes with a 2 megapixel digital camera, which can be used to capture still and moving images from life!


So, what are you waiting for? Make the most of the sophisticated features of these and other Motorola mobile phones and make an appreciable difference in your lives.


Get some of the best contract mobile phones on latest mobile handsets on 3 mobile, t mobile, orange, O2, Vodafone and Virgin network. To compare and buy the cheapest contract deals on Motorola KRZR K1, free Motorola KRZR K1 and other latest handsets from all major manufacturers, please visit the site.

Minimize Your Forex Trading Risk Through Forex Training

 Gifts  Comments Off on Minimize Your Forex Trading Risk Through Forex Training
Jul 272023
 

There are many ways to fail in trading and investments. Unforeseen market
fluctuations, lack of experience, unpredictable political changes (as well as a
faulty internet connection) can all reek havoc with a first time trader. But
once equipped with proper Forex training you can begin to minimize this risk,
and turn potential pitfalls into gains at every turn.

Youll soon see the benefits, too. Apart from the fact that the Forex market
never sleeps, youll also be able to cash in on both rising and falling markets.
It sounds like a fantasy, but since currencies trade in pairs, a good investor
can make as much by selling a particular currency as buying it. When you buy (go
long) you are in fact be able to sell (go short) the other half of the pair. One
value increases as the other goes down. It isnt quite as simple or
straightforward as it sounds, but thats where training in Forex comes in. It
will help you to spot the right currency to go long with and the right one to go
short, anticipatory of the changes and entry/exit time.

Once fully trained, youll also benefit from the famously low transaction cost
which Forex boasts for its investors. There is generally no brokerage commission
cost with this kind of set-up. There is the added bonus that Forex is not
directly correlated to the stock market it deals purely with individual
currencies and how they contrast. The foreign currency market has little to do
with the stock market, and as long as the outlook is positive, a currency change
can always be converted into successful buying or selling for the trader in
question, regardless how the market appears to a casual observer.

Forex training will introduce you to the foundation of this market – its
international conglomerate of traders and dealers. They consist mainly of
multination banks in touch directly with their dealers and holders through the
internet and telephone. As such, there are no physical environments to act as
the market floor, which usually tie any trading post (such as the New York Stock
Exchange and its relationship with the equity markets) to the problems faced by
non-digital, real-time organisations. Forex succeeds precisely because of its
24/7 status, and has come to be known as an OTC (over-the-counter) market, much
like NASDAQ. As an investor, you will soon discover the tactical benefits of
this approach.

As a Forex trader, you will also be struck by the fact that no one can corner
or alienate certain aspects of the foreign exchange market. Because the business
is so large, with so many participating members, there is very little chance of
an individual even a group of companies holding sway over one portion of the
marketplace for any sustained period. This is truly a traders market, and once
you begin your Forex training, youll get used to the countless benefits and
wonder why you didnt take the plunge before!

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