People Are at Risk of Losing Their Homes Are You Investors Ready?

Thousands of Victorians (Australia) risk losing their homes for falling behind in their loan repayments. Around 3700 home owners have been issued with property repossession warnings in the courts already this year. This wil be triple last years total.

Causes for this are being blamed on easy credit, soaring petrol prices, tighter household budgets and new home owners not allowing for rates, property maintaince and insurances when purchasing their first home. When they were renting they didn't have to pay these outgoings. Many home owners are living on the edge and more pain is on the way with a likely rate increase.

Australians owe $753 billion on home loans. A .25 % rate rise would add an extra $14 a fortnight to an average $225,000 loan. People are loading up their credit on up to ten credit cards and they are not allowing for any hiccups that can occur. An illness or rate increase can cause every thing to go pear shaped. Then they risk losing everything. Some home owners are desperate and are taking on no deposit loans from last resort lenders preying on them.

There were nearly 3700 court writs against loan repayers this year compared with 2581 last year.Some people end up paying the debts or refinancing to another institution. But the rest are opting out of their mortgage and going back to renting. People are being taken to court for being behind in only two payments on their home loan.What some finance brokers are doing is reaping in commissons by signing up people to loans that they cannot afford. There needs to be tougher laws to crack down on these irresponsible lenders. Non bank lenders had 4.5% of home owners behind in their payments by up to 90 days, compared to bank loans of .3%

As the economy tightens there will be increasing opportunities for investors to pick up deals as unsurspecting home owners get trapped into home loans that they can no longer afford. This will also push up rental prices because the people that default on their loans will be paying big weekly repayments already. And going back to renting will seem like a breeze after struggling through high mortgage repayments as well as all the outgoings associated with owning a property.

It is forcast that the percentage of people renting will increase upto 36% of the population by 2015 compared to 26% now. A lot of people are more than happy to just pay their rents and not be bothered with the hassles of owning their own home. Generally these people are very good tenants, they look after the property and always pay their rents on time.

These are the type I ensure my property managers put in my investment properties.They give me less problems and I am able to increase the rents in line with the CPI increases. There will be some great opportunities for smart investors in our present economy. What I intend to do is off load any under preforming properties and replace them with some of the gems that will be coming up in the near future. There will be some great deals available to savvy investors who are able to strike as they come up. It will be a good time to reshape your portfolio to ensure you have blue chip properties in it. The real kicker is it will not cost you any more to replace any of your underperforming properties as you will be buying in these new ones at heavily discounted prices.

As these lean times move in I intend to keep an eye on my own gearing. The last thing you want is to end up on the scrap heap as well.

To your investing success.

Leo Love

PS If any of your family or friends are interested please pass this on to them.

http://www.therealestateinvester.com

I am an experienced and passionate investor. I buy typical mum and dad type houses that give me cash flow and capital growth. My website offers helpful tips and ideas for any type of investor to help you with your wealth creation. Using my site will help to prevent you falling into the traps the inexperienced investors do.

Southern Pines North Carolina Offers Small Town Southern Charm

Southern Pines, North Carolina is located approximately 60 miles south of Raleigh. It is adjacent to the world renowned Pinehurst golf resort. Many who come to this area for a visit or to play golf, end up falling in love with Southern Pines and the old southern town atmosphere.

Southern Pines was founded around 1820 as a train stop from the north and south. In fact, the railroad tracks run in the middle of the historic town. Through the year this charming town has developed into a resort community offering the best in golf and horse activities.

Many moved here to retire, but in the last decade numerous professionals, with their families, are escaping the urban sprawl for the tranquil lifestyle found in Southern Pines. Its eclectic neighborhoods surround a quaint and inviting historic business/shopping village with tree lined streets, restaurants to satisfy any appetite, coffee shops, art galleries and boutique shops that offer a full range of clothing and gift items.

There is always some activity going on downtown, such as the annual Blues Crawl, Spring Fest, Tour de Moore, Fall Fest and the New Years Eve celebration, First Night. If you like to commune with nature, within the city is the 500-acre Weymouth Woods, a wildlife refuge and long leaf pine forest offering hiking and educational nature programs. A popular attraction is the Sunrise Theatre, offering a variety of live music, avante garde movies and theatrical plays.

Southern Pines Golf Courses

Pinehurst may be known as the golf capital of the world, but Southern Pines also has its own world class courses. For example, there are three golf courses designed by the legendary Donald Ross. He is best known for designing the Pinehurst #2 course, which hosted two U.S. Opens recently. In Southern Pines he designed the Southern Pines Country Club, Pine Needles and Mid-Pines. Pines Needles has been home to the U.S. Women's Open for a number of years. In addition, there are three Arnold Palmer courses, the Talamore, Mid-South, and The Carolina. In Southern Pines we have very moderate weather all year long. That means we?re always open for golf.

The Aspen of Equestrian Activities

Southern Pines is also known as a horse lover?s paradise. The area's temperate weather and ideal sandy footing has attracted a large concentration of equestrian enthusiasts. What is commonly known as horse country generally refers to an area right around Southern Pines and includes the well known Walthour-Moss Foundation, which offers 4500 acres of longleaf pine forest dedicated to equestrian pursuits.

There are world-class trainers, the best veterinarian professionals available, and an abundance of tack shops and other proprietors serving horse owners and their needs.

Exceptional Real Estate Opportunities

Real estate properties in Southern Pines are available for every demographic category, ranging from upscale family sized homes in quiet, gracious neighborhoods to somewhat smaller retiree residences lining the fairways of the numerous golf courses in the area. On the outskirts of Southern Pines, you will find beautiful horse farms. For those who are looking for casual living in a golf community, horse country, or retirement venue, Southern Pines is a must see in North Carolina.

Southern Pines combines the north and south, old and new. It is especially appealing to both its residents and to those who visit. Southern Pines has a unique shopping hospitality. You can enjoy the quaint Broad Street downtown area, which looks the same as it did years ago, or you can visit the newer modern shopping areas. The attraction for the town is its horse farms, festivals, golf courses and street fairs. Anyone interested in combining city life with the charm of a small town will feel right at home.

Two of the most appealing features of Southern Pines real estate are the reasonable prices and the low property taxes. For those moving from big cities they are pleasantly surprised what their money can buy. You can get considerably more home and land for less.

Southern Pines, North Carolina is one of those rare finds where you have the best of small town living with the amenities of a city.

Fred Waters is author of the McDevitt Sotheby's International Realty web site, where you can find the perfect Southern Pines Real Estate. We also have numerous listings in the Pinehurst area. Whether looking for a home, condo, farm or property, we have just what you want.

A Review of Chapel Hill North Carolina Real Estate

Buying real estate property on your 40th birthday is not a scream out of the desperate throat of your middle age. The important thing about real estate is that it really takes some time to get to know where exactly you want to buy the site for your ?fortress?. Real estate is bought when you are exactly sure that this place, at which you are investing, fully represents your dream of ?being at home?. That is why Chapel Hill North Carolina Real Estate should be considered.

Talking about being at home, many people believe that their home is the place they are born in. Actually, this place is the home of their parents. Whether you are grown up in California, or Ohio, or Southern Texas is by no means making these places your home. As the proverb goes, your home is where your hearts is. So, you first have to discover where your heart has been buried. The best way to do that, as well as the most pleasant one, is by travelling. You should see many places, and cross different spaces, to discover where your dream of good living is. Travelling means seeing things for yourself, not relying on someone else?s opinion: so, it is par excellance a means to discover yourself.

My personal experience showed me Chapel Hill, North Carolina as being the place I would call ?home, sweet home?. So, I was fast at releasing my life long heart-ache by quickly buying Chapel Hill, North Carolina real estate and building a house there.

If you feel that you belong to that place too, make it faster. Chapel Hill North Carolina is renowned for its attractiveness as real estate treasure. Many people decide to settle there, partly because of the beauty of the town, partly because of the lack of crime and the wonderful scenery. Whatever your reasons, be aware that real estate property is really searched for in that place. If you want to buy a place nearer to the center, be prepared to give a large amount of money. Even with your bank account thinner that expected, you should remember: Chapel Hill North Carolina is worth any given cent.

Chapel Hill is a college town with UNC campus, which makes it even more attractive. Michael Jordan started his glorious career there. The city is famous for its beauty. No other place can be more proud of its beautiful architecture, wonderful surroundings, and breath-taking quietness and serenity. You can be absolutely sure of your property if you settle in Chapel Hill: the percent of crime there reaches zero.

If you are interested in Chapel Hill North Carolina real estate, or possibly acquiring a home in this area in the near future, you?d better search through the net. You can find a lot of vital information about prices and houses there. Internet can offer you an insight into all the valuable real estate on sale at the moment. There should be a variety of Chapel Hill North Carolina real estate within your budget confines.

Morgan Hamilton offers his findings and insights regarding real estates. You can get interesting and informative information here at Chapel Hill North Carolina Real Estate

Can You Still Make Money Flipping Houses?

Successful real estate investors have been making money flipping houses in all markets. Just like any business, some investors lose money, even during the best market conditions. The difference, besides experience, is knowledge. Here are three key points.

Knowledge of the market helps you know a bargain house when you spot one. Look at many houses for sale in your area. Keep track of sales and how long the houses take to sell. Ask selling real estate agents about the terms of these sales because this helps you understand how sellers market their property. (Some of this information is public record). For instance, if a seller paid closing costs for the buyer, did the price rise from the listed price accordingly? Or, did the seller come down on the price and also pay the buyer's costs?

Examine the sales that sell quickly. What home features and financing options prompted the fast sale?

You must know the economic outlook in your area. Follow employment trends and population statistics. Are more people moving in than moving out of town? Because people always need housing, invest in an area with a good rental market. If you find too many vacancies in a neighborhood, that means you should discount any offer or look elsewhere.

You also need to learn about houses. What makes one property more attractive to home buyers? You wouldn't want to buy a home with a terrible defect like a horrible floor plan, a noisy freeway in the back yard, or structural flaws. The best way to learn about houses is to preview many houses for sale.

When you learn about your local real estate market, local economy, and property conditions, you empower yourself to make wise investing decisions.

Copyright ? 2006 Jeanette J. Fisher

Free ebook, The Truth about Making Money Flipping Houses at http://www.doghousetodollhousefordollars.com Jeanette Fisher, author of Doghouse to Dollhouse for Dollars, teaches interior design secrets for fixing houses to make money in any real estate market: Fixing and Flipping Houses

9 Real Estate Website Must Haves

1. MLS Search Capabilities

Florida: 10 Easy Tips to Own that Dream Mansion in The Destination Spot

WHY FLORIDA?

Have the dough? Know not where to put it? Here's the answer.

INVEST IT

Investment is an art! It's not a risk at all!

WHERE DOLLARS FLOAT

Florida is flourishing! Waiting for you! Just know the safest and the swiftest mode of multiplying your money. The answer is Florida! Dollars float on Florida waves. Florida sands reveal more dough. Just dig your heels deep into Florida land.

THE ULTIMATE DESTINATION

It's now or never. Invest in Florida and dance your way to the bank! Florida is the ultimate dream destination. Plenty of open spaces, swirling waves, and plots of houses await you in Florida. All are on sale.

WISH ONE FOR YOURSELF

Dreaming of a lovely house, or an apartment? Just don't tarry! Florida will provide you the roof. Florida will make your dreams come true. Now blow away your blues. Bring in the smell of the Florida dollars!

SEE YOUR WALLET FATTEN

Florida is the key to the dough world! All roads now lead to Florida. Peg your hopes high. Use the Florida slot. Wait for a few weeks. Feel the Florida estate change into hard dough. This is the real hot real estate spot on earth today.

TARRY NOT?

What are you thinking about? The secret is out: Your neighbor has grabbed Florida fortune? Now that you are all ears, its time you move into the beach, sun and sand state. Do I have your attention now? Yes! I very well have it. Re-sell the mansion, or the plot, or the apartment. And, feel the touch of dollars multiply in just a few weeks time.

FINDING THE RIGHT FINANCE MEANS

Obviously, you would be looking out for the banks to finance your dream project. Don't take whatever falls on your plate. Do some researching. Some of the loan-giving institutions charge a flat interest rate. Others have a decreasing rate of interest. Simultaneously, juggle the dough you would be able to spare for the project. Keep a considerable amount for your rainy days. If possible, consult a financial planner. The discussions will open up new avenues.

CHECK OUT THE ODDS

Always check out the odds prior to investing in real estate. Here's a list of the must-do things before you lay down your hard-earned dough for a tenement or a piece of land. And when those objects are really desirable but located far away, you better be careful First, try to rope in the best real estate dealer. The best way to do that is to surf the internet. The net would immediately provide you with the list. (ii) Now it's your responsibility to sieve out the best among them. You can scan the list and also cross-check the testimonials with their owners. All the real estate sites will have such testimonials of their clients. (iii) Communicate with them. (iv) Don't ever take things on face values. (v) Ask questions. Find out the answers the hard way. It's paying this way. (vi) Find out the money transfer details. (vii) Do know who their lawyer is. (viii) Also keep your lawyer informed of the proceedings. (ix) Go for the partial payment mode. This method helps you to monitor the construction of the dwelling place or the development of the plot of land. (x) Lastly agree for the cheque only if you do not have any inkling of doubt about the deal.

CONCLUSION

It is always better to spend some time cross-checking the details. Also do some bargaining. After all, it's your dough and dream!

Nilutpal Gogoi is a writer and a freelance journalist having more than 18 years of service in several audio-visual and print media reputed organizations in North East India. He has published more than 1000 articles and a popular adventure book for children. For more information log on to http://articles.fastrankingsonline.com/

For more ideas on Florida real estate, log on to florida real estate market

investment forum

Colorado Luxury Real Estate

Housing is one of human?s basic needs. However, there are a few people who can afford to buy several homes in different places even at very high prices. For some people, it is fulfilling, and it gives them a different sense of satisfaction when they are able to buy a luxury real estate to add to their long list of properties. If you are one of these few people, perhaps you would like to own a piece of Colorado luxury real estate.

Luxury real estates can be found in two of the finest resort towns in Colorado, Aspen, and Vail. A few can also be found in the suburbs of Denver. These places have always been known to have premium luxury real estate that would-be real estate owners will surely love.

World-class skiing and high-class living ? these attract the rich and famous people from around the world to buy and own a property in Aspen. If you love powder skiing, you will certainly enjoy the back-country skiing that is offered by Aspen Mountain. There are also plenty of spas, parks, shopping centers, and other beautiful locations that will certainly make you enjoy a little bit of luxury.

Just like Aspen, Vail is also a famous resort town for luxury real estate because the largest single skiing mountain in North America is located there. This place has world-renowned slopes for skiing, cross-country skiing, and snow boarding that are attractive to many.

Meanwhile, Denver, the central location for Colorado real estate, is considered a modern metropolis with a lovely night scene, strong cultural feel, and big-city sports teams. If you love the outdoors, you would certainly love to own a home in this place because it is located by the foothills of the Rocky Mountains.

Whether you want a luxury real estate property in Aspen, Vail, or even Denver, there is one that will surely catch your eye.

Colorado Real Estate provides detailed information on Colorado Real Estate, Boulder Colorado Real Estate, Colorado Springs Real Estate, Colorado Luxury Real Estate and more. Colorado Real Estate is affiliated with Colorado Vacation Rentals.

Need Cash Fast?

Do you ever feel as though you?re drowning in payments? Have you extended your salary until there?s barely any left, in order to make your monthly obligations? Well, chances are you?re not alone. With the economy in a state of uncertainty, it?s difficult to plan from one day to the next with layoffs and job losses always a risk.

So why wait? Do something about those payments to help you plan for an emergency. If you are making high interest payments, chances are you may never see the proverbial end of the tunnel, especially if you only make your minimum monthly payment. And credit cards interest is at an all time high, considering so many people have incurred debt and have been unable to repay those obligations.

They have to make up the money some way, so they pass down the loss to the consumer in the form of even higher interest rates. But if you?re a homeowner, there is a solution. If you?ve owned your home long enough to have something built up called equity, you can actually get a quick loan for cash on your mortgage. That?s right. With a simple call to your mortgage broker and some minor paperwork, you can take out a loan (often referred to as a second mortgage) in exchange for cash to pay off all those high interest credit cards or other miscellaneous loans.

Sound like an easy solution? It can be, but remember you can?t borrow your way out of debt. The only way to become completely debt free is to pay off all balances. The second mortgage must be repaid. And as a rule, most consumers are advised to cut up their remaining plastic so the temptation is removed. Most financial advisors suggest having only one credit card with a minimal credit limit and ask their clients to pay off the balance every month. Be sure to check with your mortgage broker or financial advisor if you have any questions before signing your contracts and enjoy that left over money at the end of your month!

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How to Create a Lifetime Customer When you Sell Real Estate

How often have you seen a customer buy from one agency and then a few years later, list with a different agency? I've seen it far too often! I always wonder if the agent did something wrong, or just didn't bother to turn that person into a lifetime customer.

I'll admit, real estate customers aren't known for their loyalty. In fact, if you list a house and it doesn't sell right away, they might take their listing elsewhere even if you've spent hundreds on advertising for them. But there are ways to improve your chances of keeping them. And there are ways to turn satisfied buyers and sellers into Lifetime customers.

And remember, if your commission averages $10,000 per transaction and people move every 5 years, you stand to gain an extra $30,000 over the next 15 years. Then consider those buyers who like to do rehab. They sometimes buy more than one each year. Add in the friends and family each customer could bring you, and there's only one conclusion: Customers are worth keeping!

How to keep a listing: Stay in touch during the listing period. I can't count how many times I've gotten listings that used to belong to someone else, just because the sellers felt ignored.

So, rule #1 is Stay in touch, even when it's difficult.

It is difficult to call and speak with the seller when there's been no action, but call anyway. You can tell him or her where you've advertised, how many flyers you've given out to office drop-ins, how many flyers you've mailed to long distance inquiries, etc. Perhaps you took new photos and posted them on your virtual tour. Whatever you've done, let the seller know you did it.

In my office we kept track of all activity and mailed a monthly report, along with copies of each ad we had placed in a newspaper or magazine. In addition, we called mid-month just to stay in touch. This practice was responsible for most listing renewals. The important point is, you must make sure that the seller knows you're doing something regularly to promote the house.

OK, you sold the house. Everyone passed go and collected their money. Now what?

Now you send a thank you letter with a brief questionnaire asking for feedback on your service. It will let you know what you did right - and occasionally you'll hear what you did wrong! Don't be afraid of that. Welcome that kind of feedback because it gives you the opportunity to make a friend out of an unhappy customer. Write back and thank them for letting you know and for helping your career by letting you improve your service.

Next, put those names and addresses in a data base and start staying in touch. Every 2 to 4 months is often enough, unless you know that they have friends or relatives who are about to make a move.

Send a magazine article about their hobby, birthday cards, a postcard with a funny joke, a pretty picture, or perhaps an article about getting the house ready for winter. Anything that will interest them and keep your name in front of them will do.

I wrote a monthly newsletter, and if I was late getting it out customers would call to see why it wasn't there. That was before email became so popular. Now you could do it electronically at zero cost if you write it yourself, and you could add a personal note to really special customers.

You're going for Top of mind awareness, and you can only get that through regular contact. Your goal is for them to think of you first when anyone mentions needing a Realtor.

That brings me to Rule #2: Stay in Touch!

Marte Cliff is a Freelance Copywriter and former real estate broker. She has extensive experience in writing for the real estate industry and related fields. Visit her at http://marte-cliff.com/RealEstate.html and sign up for her complimentary real estate marketing ezine.

Equity Advantage Program Introduces QuarterPercent Loan at LEI

An innovative new mortgage program has hit the market touting phenomenally low interest rates and even lower monthly payments. The ?Equity Advantage Program? contains a quarter-percent loan that promises to rid borrowers of high interest rates and gigantic payments.

This loan gives the borrower a specified fixed interest rate and a payment option of .25% for the first five years. The borrower can pay the interest only for their monthly minimum payment for these first 60 months. This ground-breaking loan helps borrowers decrease their monthly payment by hundreds of thousands of dollars.

If a person buys a $500,000 home and finances in the Equity Advantage Program, they could expect their monthly payments to be around $104.17 for the first five years. This astonishingly low payment for such a high-valued property can free up an unprecedented amount of cash for the borrower.

It is a hybrid adjustable-rate mortgage, or ARM, designed for people who want to use the equity in their home to increase their cash flow. The minimum payment of the loan will be the fixed-interest only amount for the first five years of the loan, and then the borrower will pay the interest only payment based on the interest rate of the outstanding balance. This interest only period will last for the first 10 years of the loan. The equity advantage program gives the borrower access to cash that they would not have in an ordinary loan. This is basically an interest only 5/1 ARM with the option of paying a minimum of .25% interest only. The difference between the two will cause deferred interest.

?This is essentially unheard of in the mortgage world. During a time when the Federal Reserve raised interest rates 17 times in a row, consumers are finding it harder than ever to deal with the rate hikes. The quarter-percent loan gives consumers their buying power back once again,? said Ward Shandoff, LEI banking analyst.

Traditional loans such as the option-ARM or the negative amortization loan do not give the borrower the cash flow of the quarter-percent loan. Borrowers who use this program effectively will have access to the equity in their home that would not be available to them in other mortgage products.

This system allows homeowners to take a lot more cash out, and use more of their money for something other than paying towards the principal. Credit card debt or any other large balances can be tackled and paid-off with this loan. You can actually use the money you have freed up to compound itself and generate more wealth.

This all goes back to the essential concepts taught by LEI Financial's ?Velocity of Money Program,? which uses investment strategies to generate more wealth in a client?s financial portfolio. Your home should be used as a tool to generate wealth, and this is made easier than ever with the quarter-percent loan.

Using this loan, you can take the money you are saving with each monthly payment and put it into an investment that will generate a return. Investment properties and cash-value life insurance policies are great ways to keep your money working for you.

The quarter-percent loan is a great option for those who will use their monthly savings to invest the money or pay off debt. This loan is not a viable option for people who can make the monthly payment only because that is all they can afford in a given month. A person who elects to make a minimum payment must be aware of the fact that there will be deferred interest as a result.

The Equity Advantage Program gives you the right rates and payment options that allow you to free up cash to be used for investment and wealth building opportunities. If a customer cannot qualify for The Equity Advantage Program we promote our Equity Management Program.

For more info visit: www.leiholdings.com or 877-801-5389

In Commercial Real Estate Always Get an MAI Certified Appraiser

The appraiser that you hire for your commercial investments before you buy can have a great impact on the amount of money you spend and your chances of getting funding from a lender. Most lenders will not accept just any appraiser. If you get an appraisal with an appraiser that a lender does not accept, you have just wasted your time and money, and you are no closer to getting the property you want.

In the world of commercial real estate, not all appraisers are considered equal. It takes a certain expertise and knowledge to correctly appraise commercial property, and not just anybody is qualified. There are two types of appraisers, a fee appraiser and a staff appraiser. A fee appraiser is generally available to the public for hire, and a staff appraiser works for a specific lender or lending firm.

Let's look at what makes a qualified appraiser and how they can help you purchase the property you want with as little hassle as possible.

It is common practice for a lender to appoint the appraiser that is to appraise the property in question. This practice is in place because there are dishonest buyers who work with certain appraisers that will inflate the property's true value. This, in turn, allows the buyer to borrow more money than what a lender would normally allow, thus increasing the lender's risk.

Inflating a property's true market value is surprisingly easy because appraisals are simply guesstimates of a property's true market value. They are interpretations based on the surrounding property and selected criteria. An appraisal can be ?fixed? according to a person's interest. That is why the two parties must not have any prior dealings or common interest in the subject property.

A very widely used and accepted type of appraiser is one that is certified by the American Institute of Real Estate Appraisers. They are members, making them M.A.I. designated. Most lenders will require that you use only an MAI appraiser. These MAI appraisers have gone through intense study, years of practice, and have had to perform under tight supervision while appraising many different properties.

Most MAI appraisers will not conspire with a borrower because there is too much to lose and too much invested in their practice. For this reason, most lenders will accept MAI appraisals regardless of whether or not they know the appraiser personally. For the most part, lenders will have trusted appraisers that they work with all the time, and will require that you use only their appraisers. Be sure to get clarification on this issue before you hire an You can trust MAI appraisers to perform an accurate evaluation of your prospect property. With this appraisal, you will be able to get the proper amount of money loaned on the property and not come out short.

It is always a good idea to research your appraiser and view some of the work that he or she has done in the past. The appraiser and the appraisals should be of the utmost professional quality because so much is riding on their appraisal. Even if it costs you more money, always use an MAI appraiser to avoid problems with the lender and unnecessary expenditures.

MAI appraisers are crucial to your commercial real estate investing endeavors, and can carry quite an impact on the money that can be loaned to you. To get the money you expect from a lender, use a MAI appraiser every time!

Tony Seruga, Yolanda Seruga and Yolanda Bishop of http://www.maverickrei.com specialize in commercial and investment real estate. As of May, 2006, they and their partners are managing over $600 million dollars worth of new projects.

Real Estate and Your Retirement

Many people are looking for ways to increase their retirement income. For most of these individuals, their homes are the greatest asset. A large section of the aging population has failed to plan effectively in order to have sufficient savings at retirement. They now are looking to their real estate to supplement their retirement income.

Real estate values are very unpredictable, especially now with the decrease in the real estate bubble. Prices are falling in some cities and flattening in others. It will take some planning to get the most from selling your real estate to supplement your retirement.

Be Realistic. To plan effectively, you must be realistic about the price you may get for your home. Real estate is an up and down market, so you should assume a traditional real estate market for valuating your home, with gains in value equal to the inflation rate. At retirement, you will have the same purchasing power you currently have. If gains in real estate values are better than the inflation rate, then you will have more. Just don?t count on it.

Get the Most from Your Real Estate. People used to work hard to pay off their mortgages for homes they planned to raise their children in and retire. Since 1989, the number of people 65 and older with mortgage debt has nearly tripled, adjusting for inflation. Making payments on real estate in retirement years will deplete your savings and retirement income faster than any other expenditure.

There are three reasons to pay off your real estate mortgage ? (1) decrease expenditures in your retirement years, (2) use the mortgage interest rate that you will save to increase your retirement savings, and (3) build more equity, in case you need it as income on which to live later. Paying off your mortgage is a good thing to do, regardless of what the real estate market is doing.

Downsize Your Home. If you are living in a home that is larger than what you need, do not hold on to it for sentimental reasons. Selling the larger home for a smaller one can: (1) give you a smaller mortgage payment than you currently have, or (2) purchase a smaller home outright with no mortgage. It also means less physical upkeep by you, as well as less maintenance and repair costs in the future during retirement. Please keep in mind that there will be selling, moving and new home renovation costs that must be deducted from the sale proceeds.

Sell the Extra Real Estate. If you have a second home or vacation real estate that will not be your retirement residence, you may wish to sell this extra real estate now, putting the sale proceeds into your retirement savings. You can put the mortgage and annual upkeep payments for this property into your retirement savings, too.

Reverse Mortgages. Though these products have been around for some time, we are hearing a lot about them lately. Such mortgages give you 50 percent or more of your home?s value with no mortgage payments, which are collected by the lender at your death or if you sell the real estate.

Beware! Reverse mortgages should be used only as a last-ditch effort at survival. The interest and fees added to your mortgage debt can be very costly. If you must consider a reverse mortgage, here are a few smart tips:

?There are only a few reverse mortgage products now on the market, but others are coming soon. So, wait two or three years to garner more options and possibly better products.

?You must be 62 to qualify for a reverse mortgage loan, but wait as long as possible to take such a loan. The younger you are, the smaller the loan and higher the cost over time.

?Check out all of the products on the market and get independent financial counseling on the best one for you. They may look the same upfront, but the number of years and the loan value differ greatly between products, as well as the costs over time.

?Do not buy into the hype! Mortgage brokers receive a large commission on these products. If you feel you are being pushed in this direction, check out other lenders.

?Plan ahead. If you move and sell your real estate, the lender receives all that is due on the reverse mortgage from the sale proceeds. This could actually leave you in a worse financial state.

John Harris is an expert researcher and writer on real estate topics such as economics, credit improvement tips, home selling advice and home buying preparations. For more on San Diego Homes for Sale visit http://www.twtrealestate.com

Government Guaranteed Loans Good Source Of Capital For Entrepreneurs

Guaranteed loans are one of the best sources of funds for people who are in need of additional capital. This is especially true for those small and medium scale entrepreneurs who are still starting out in their business. Starting out in a business is often very difficult, especially if you have limited funds to run your operations. More often than not, small and medium size entrepreneurs who are starting out have some of the most innovative businesses in the country. They may find themselves in a difficult situation when trying to get additional capital for their business. The typical reason why most banks and lending institutions tend to shy away from innovative entrepreneurs is that the business that these entrepreneurs are engaged into is still very novel and untested in the market. To compound the difficulty of the situation, most of these entrepreneurs do not have the necessary properties to serve as collateral for the loan.

More often than not, small and medium size businesses tend to die out shortly after they are started, due to lack of necessary capital to run the operations. However, with government guaranteed loan programs, qualified entrepreneurs may now be able to get loans to finance their business operations, even if they do not have the necessary collateral to back their loans. As long as the entrepreneur qualifies under the guidelines of the government guaranteed loan program, he or she may take out a loan at the affiliated banks and lending institutions without much trouble. Since the government has guaranteed that if he or she fails to pay the loan, the government through its designated agency, will purchase the loan from the bank or the lending institution concerned, there is little concern overall.

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Valuable Real Estate Purchasing Tips

Perhaps the most important process of buying or selling your home is the ?contract of purchase and sale?. This one contract must be the strongest link in the chain that holds your purchase or sale together. The intent of each item included in this contract must be clear with no misunderstandings. In other words, everyone understand what to do and when to do it.

The ?contract of purchase and sale? has been developed by the B.C. Real Estate Association and the Canadian Bar Association within British Columbia. This contract is mostly suitable for residential real estate and should not be used for commercial transactions. One major issue in the contract of purchase and sale that is often over looked is the numbering of pages. The approved contract and all ammendum pages should be cross referenced. The appropriate page number should be written at the top of each page (i.e., Page 1 of 3, or Page 2 of 3 and so forth).

An amendment to an original contract of purchase and sale is essentially known as a change in the agreement. This new agreement that has been made should be put in writing in what as known as an ?addendum form? and signed by all the parties to the contract. Each of these parties much receive a copy and this copy must be dated appropriately. The amendment done on the addendum form must clearly refer to the original contract and ?all other terms and conditions remain the same? should be in writing after the change.

Are you out of the country or out of the province? The seller or buyer may appoint someone (realtor or another person) to act on his or her behalf with regards to any real estate transaction. This authorization should explain the exact terms and conditions under what authority the person has to sign on an agreement. For example: A telegram, letter or fax may be perfectly fine for this person to sign for. However, the signing of legal binding agreement may need the signature of ?power of attorney?. When a person is granting the power of attorney to another individual, the proper way to complete this is as shown. However, should not be taken as legal advice and should not be used without first consulting your lawyer.

? First-Name Last-Name grants a power of attorney to her friend First-Name Last-Name to enter into contracts for the sale of his/her property.? This friend could then sign both the listing contract and any other contracts including the contract of purchase and sale. This agreement should be witnessed by another person. This should be done on the correct form provided by your lawyer of choice. Legal Counsel is recommended that all parties to a transaction be advised to have legal advice from separate lawyers.

?Subject to? Clauses in the purchase of your new home, condo, apartment or mobile home is a very important binding element of your agreement. If one or both parties are not clear, this can weaken your agreement and could alter the original intentions of the purchase and sale. The ideal subject clause is one whose criteria are so clear that it is completely obvious whether the criteria for satisfying that clause are met. When your looking at your clauses consider this. Is your clause subjective or objective? Here?s the difference:

A subjective ? Is one that depends on the personal view of the individual who decides it.

An Objective ? (in contrast) Is an objective clause that depends on the external event.

The more subjective the wording of a subject clause, the higher the chases the court system in British Columbia will find the clause to be uncertain. So how do you make your clause more objective? Make it clear so that everyone may easily know whether the clause is fulfilled or not. The more objective it is, the more you can prove whether the subject clause is completed or not.

Your local realtor is required to take a course on proper contractual writing and should have an innate knowledge of the law. If you have questions, don?t only present your questions or concerts to your realtor, but your lawyer as well. For the most part the experience of your realtor and the requirements put forth by the BCREA (British Columbia Real Estate Association) should be sufficient. In conclusion the be sure that all pages are numbered, the addendum is clear with signatures and that your ?subject to? clauses are clear and objective.

Shane Toews is a Licenced Realtor who helps others to educate themselves on current real estate issues. He also provides assistance on how to locate quality homes, apartments or vacation rentals in Canada's Fraser Valley area. Visit his website RentFraserValley.com for more information on Canada's Fraser Valley Real Estate Market

Investing In Real Estate Six Specific Tips

Investing in real estate should be a pleasurable and profitable activity. Listen carefully to investors, though, and you hear not just success stories, but sad tales of stress and losing money. Here are some tips for keeping your real estate stories happy ones.

- Have a top price. Properties have a market value, and then they have their value to you. Many investors pay too much just because everyone else is doing so, and then they have negative cash flow month after month. Just because others are paying too much for duplexes, doesn't mean you have to. Once you decide on a top price that works for your plan (which hopefully involves cash flow), start below that and don't go a penny higher. The time to set your limit is before the negotiations start, not during them.

- Choose partners carefully. Investing in real estate can be an uncertain process. Too many decision-makers just make it more so. If you must have a partner, clearly define your roles before you start a project. Group decisions tend not to work well, and will cause you much stress. It is often best if one partner puts up the bulk of the money, and the other runs the show. Agree to a plan, then step back if you are investing the capital, and let your partner do his thing. Of course, step up and take control if you are managing the project.

- Listen to what the market is saying. When the cabinet guy asked me for a decision I realized that I knew nothing at all about which cabinets people like. I asked him which ones home owners were most often choosing, and he pointed to one that three quarters of his last forty customers had chosen. Then that's the one I want, I told him. Why would I argue with the market I am trying to sell to? I have seen sellers paint a home a certain color because they like it. That's a quick way to reduce the market value of a home. What colors do the potential buyers like? That's what is important.

- Understand the numbers. Investing in real estate is all about the numbers. If it is an income property investment, it's about one number in particular: cash flow. Be aware of whatever the local formulas are, whether gross rent multipliers or capitalization rates or whatever. Ultimately, though just be sure that after every last expense you'll have cash flow from the very first month. If it is a residential fixer-upper, know what it will sell for and what it will cost to fix it up - before you even make an offer.

- Don't confuse investing with gambling. Investing in real estate isn't gambling, or at least it shouldn't be. There is risk, but unlike true gambling, the odds are in your favor. At least they should be, and you should be able to clearly see the outcome. This why you shouldn't invest based on the assumption of continued fast appreciation. Over time, real estate values do trend upwards, but there is no guarantee that prices will continue up at any particular rate during a given time. Do deals in such a way that they'll be profitable even if prices go nowhere. If values go up, you're that much better off.

- Do the research. Understand the statistics and information you are looking at. It is possible that the real estate agent will show you only the comparable sales that make the property look more valuable. With a bit of your own research, and an understanding of how the various numbers are arrived at, you can avoid overpaying. Many counties have made researching prices easy, with sales prices online. Other web sites, such as the U.S. Census site, have information on population and jobs. Understanding these figures can mean not investing in real estate just before the town declines.

These tips, like all others, are just guidelines of course. You can gamble on rising values, for example, if you really did your homework and know the demand for housing in a town is about to explode. You might pass up a great opportunity too, because you refuse to go $500 over the top price you set. While having a few rules and guidelines is a good place to start, don't let them take the place of thinking when investing in real estate.

Copyright Steve Gillman. For a Free Real Estate Investing Course, visit: http://www.HousesUnderFiftyThousand.com

How I made $235000 in 18 months investing in Real Estate

Learn how I made $235,000 investing in real estate with my first property. Buying real estate and making money really is not hard at all. More millionaires are produced from real estate than any other money making opportunity out there. There really is nothing to it, all you have to do is follow some simple techniques and know how to look for that hot property with potential, before it gets scooped up by your competitors who want to make that dollar as well.

The real estate game usually is not a get rich quick program, yet you can make a great deal of money with a little patience. I have two family members who have between them $1.5 million in equity in their homes right now, yet that took 30 years or more to accumulate. The good thing about them is that they are older, one is retired and the other is close to retirement, so they are secure financially during those crucial years. Learn how I did it the simple and easy way, I have no program to sell you. what I have to share with you is so simple, that I can just tell you. You can have that little bit of knowledge free to add to what you already know about how to make money in real estate.

Thank You,

Ronald http://www.freeatlast-ron3.blogspot.com

Do You Know About The Most Popular Real Estate Scams?

Real estate scams are more and more popular, even though we can't see them yet. Compared to robbing a bank, stealing $200,000-worth property via a false deed or an identity theft is trivial - and remarkably safe for the thieves. Their imagination is remarkable and oftentimes we can't do much more than minimizing the damage they inflict. By becoming aware of the most common real estate scams, you may be able to protect yourself or someone you know.

False Deeds, Part 1

Most real estate frauds revolve around forged deeds. The most popular scam is using a false deed in order to get a loan secured against a property. The thief then vanishes with all the money, leaving the real owner in danger of foreclosure by the bank - oftentimes the danger is real if the owner doesn't react on the first warnings received from the bank.

False Deeds, Part 2

Another common real estate fraud is selling a property without the owners consent. The uninhabited, recently inherited and otherwise unguarded property is the most probable target for such scams. The most inventive thieves are able to even sell the same property to several buyers at the same time. However, if they have sold it only to a single buyer, the fraud can go unnoticed for months or even a year. By that time, the ?owner? is long gone, usually in another state, selling another home to someone else.

Real Deeds

The false deeds are bad enough, as such scams usually hit at random and they often can be reversed after the deed is thoroughly checked. However, the problem begins when the fraud is performed using a real deed, one that was either stolen or simply taken from the owner. The sad thing is that such thieves often recruit from our family and closest friends, people we would never suspect of anything.

The most popular way is to get some kind of authorization (or truly, just a signature) from the owner in addition to a deed. This way the thief can do whatever they like without any real risk for being caught. This is an especially popular scam used against elderly people - a nurse or a family member either take a loan in the name of the elder or just force them into taking it.

Another, even more outrageous, real estate fraud is performed by unethical door-to-door loan sellers. Under the pretext of making home repairs, they force the seniors into signing some documents which are truly high-rate loan contracts secured against the property. As most seniors are unable to repay such debt, their homes are taken by the creditor (which was its goal from the beginning) and the elder is left homeless.

Defense

Defending against such frauds is difficult. If the thieves use false deeds, it is possible to prove that you had nothing to do with the loan or purchase. However, if they use a real deed and/or have your authorization, this gets dicey. And taking effective legal actions is next to impossible if you sign the loan papers.

Here are some tips to help protect yourself from such scams: 1) never sign anything you haven't thoroughly read and if you are in doubt have your attorney review the documents before signing; 2) throw out any peddling loan lenders; 3) keep important documents, such as your deed, in a safe deposit box.

For more information on real estate visit http://www.1st-real-estate.com

How to Sell Your Home in 24 Hours

Has your home been on the market for a while? Are you not getting any showings? Maybe you are getting showings but no offers. I will show you how to sell your home and sell it quickly. These tips work if you are selling it yourself (FSBO) or if you are using a Realtor.

Obviously, if you are in a hot real estate market, you shouldn?t have any trouble selling your home. The tips here can help you sell it for more, but this article is primarily for those in a more competitive market who are having trouble selling their home. It?s for those in either a slow or medium market with plenty of homes for sale. Those are the ones who will benefit most from this article.

First, we need to determine how serious you are about selling your home. Are you a short term, medium term or a long term seller? A long term seller:

• Is in no rush to sell their home, or
• Doesn?t care if they sell it or not, or
• Wants the absolute top price for their home

Do you remember the movie ?Sixth Sense?? The kid in that movie could see dead people. Some of the dead people didn?t know they were dead. The thing about long term sellers is that some of them don?t know that they are a long term seller. They will tell you they want to sell their home, but they won?t do what it takes to sell their home. It?s a Realtor?s nightmare. If you are a long term seller, forget about selling your home quickly. It won?t happen. That?s why it?s called ?long term? seller.

It helps a home to sell if it has good street appeal, is clean and uncluttered, and in a good neighborhood. But what if there are 2 or 3 of those on the same street, or 500 of those in the same city? With all other things being equal, the reason one home sells and another does not, is price.

I have seen homes come onto the market and get accepted offers within just hours of being listed. And this was not in a particularly hot market. They weren't really outstanding homes either. But they had a great price and home buyers want a good deal.

The title of this article is ?How to Sell Your Home in 24 Hours?. Catchy title, huh? It got your attention didn?t? it? The reality is that there is a price at which your home will sell within 24 hours. You may not like that price, but it will sell. The point I am trying to make is if you really want to sell your home, you must take serious measures to make it more attractive than similar homes on the market. That may include lowering the price to a number that you don?t particularly like.

So how serious are you? How motivated are you? I?ve see some sellers switch Realtors like they were flipping pancakes. They kept hoping the next one would have that special touch to sell their home. They thought there was some magic formula that would get them the top-price offer they wanted. And, if your home is a FSBO, you have another hurdle to overcome. You are probably not getting the exposure needed to make you home competitive in the market. To be competitive, your home must have good exposure and be a better choice in some way than similar homes on the market.

The driving force of the housing market is supply and demand. In fact, it?s the driving force of any market. It doesn?t matter if it?s the housing market, the stock market, or the commodities market. Why are gas prices so high? What determines the price of a bag of sugar? Why is one stock price higher than another? Why does one 3 bedroom, 2 bath 2,000 square foot home in one neighborhood cost five times as much as one across town? Why does an electrician charge more for re-wiring your home today than he quoted a year ago (copper prices)? It?s about supply and demand.

If there are more homes on the market than there are buyers for them, it?s called a buyers market. They have more choices. The supply of homes is larger than the demand for them. But there are things you can do to make your home a more attractive choice for available buyers.

• Good street appeal. Keep your grass mowed. Do some landscaping. Plant bushes and flowers. Trim bushes and trees. Put on a fresh coat of paint outside if needed. Make it look appealing. Make people want to come into your home.
• Get rid of the clutter. Make it look spacious. Not just the rooms but the closets and kitchen cabinets as well. People like a home with a lot of storage space.
• Keep it clean. Mop. Dust. Straighten. Clean the carpets. Keep the cat litter box clean.
• Do any needed repairs.
• Paint inside if necessary
• Give it some decorating touches There are some inexpensive decorating techniques you can learn and apply. Browse some of the home magazines. Watch some of the TV shows about the home. Visit some open houses in your area and see what others have done.

But if you do all of this and your home still isn?t selling, it?s time to take a serious look at the price of your home. It may be overpriced. This is where a Realtor can really help you. Get the comps (comparable sales) of homes in your area. When appraisers and Realtors calculate the value of a home, they determine the price per square foot that similar homes sold for in your area. So obviously, you can?t just look at the total price of a home if it is a different size than yours. If a neighbor sells their home for $200,000 and it?s 2,000 square feet, that?s $100 per square foot. If other homes in your area are also selling for $100 per square foot, then you know what yours is worth. Just multiply the square foot of your home by $100. If your home is 2,200 square feet, and everything else is equal, your home is worth about $220,000. This is a simplistic explanation because there are some variations, but it is generally accurate. For a more accurate valuation, pay for a professional appraisal.

Your Realtor can give you a pretty good idea of the price range of homes in your area. For instance, they may find that homes in your area have sold in the $97 - $103 per square foot range, thus an average of $100. If homes have sold in the $97 - $103 range, they were probably listed (and are listed) in the $100 - $106 range. By using this price range, if you price your home at $106 per square foot (or higher), you probably won?t get much activity. If you price it at $100 per square foot you will probably get a fair amount of activity. But if you price it at $97 (or lower) per square foot, you will probably get a lot of activity. The advantage of aggressive pricing is that it may bring in multiple offers and you may actually get a higher than asking price for your home.

So, if you are serious about selling your home, use some of the tips mentioned here and pay particular attention to pricing. And if you really do want to sell your home in 24 hours, be very aggressive with your price.

Craig Jones has been a small business owner since 1991 and a Realtor since early 2005. Check out his newest web site called http://www.The-Best-Websites-Guide.com.

You will find there a collection of some of the most useful websites around. We list the top websites in over 15 categories that are jam packed with information that can save you time and money. We don't overwhelm you with too many choices in each category -- we only give you the cream of the crop.

Maui Hawaii Real Estate

Property in Maui is considered to be one of the most beautiful properties in the United States. Most of the property in this area costs over $1,000,000.

Owning property in paradise is not only a great investment, it is a great place to retire or vacation. If you decide to use your property to build a hotel, or rent out, you will get immediate return from your investment. Maui is a prime destination for people who are visiting Hawaii.

When you are selecting the land, you need to make sure you investigate the zoning laws in that particular area. You could fall in love with a beachfront property, and wish to build a cozy little bed and breakfast to make money. However, that property could be zoned for single family residential only. If that is the case, you will need to request a variance in order to build your business on that land. This could become a very difficult process. So, before you buy land in Maui, be sure you research the land first, and have all the necessary information before you sign a contract.

You need to remember three things before purchasing property in Maui. You will need cash, a dependable income and good credit in order to purchase property. Buying land in Maui is a very expensive venture, and you need money to back up your investment.

Consulting a real estate lawyer or a realtor in that area is a must before buying property. The more information you have about the property, local laws and land values the better equipped you will be. Going into a deal without doing all the proper research could potentially cost you thousands of dollars.

Hawaii Real Estate provides detailed information on Hawaii Real Estate, Honolulu Hawaii Real Estate, Maui Hawaii Real Estate, Big Island Of Hawaii Real Estate and more. Hawaii Real Estate is affiliated with Hawaii Real Estate.

Real Estate Economics at a Glance

Real estate business is like a whole different world in itself where different forces collect and affect one another and thus functions that world. Acknowledging the real estate market laws is rather essential because it is a proper, separate subject that needs to be given its due importance. It needs to be studied like any other subject that is studied in economics. Real estate economics should be studied because it provides information about how the economic laws, rules and techniques are used in connection with the real estate market. The aim of these markets is exactly the same as those of the other markets. To earn maximum profit at minimized cost. Exactly the way other forces of demand and supply are determinants of commodity market pricing and equilibrium, real estate market studies too hold equal importance.

Real estate has become the vital part of the economics. It holds within itself a revenue source for the governments. There are employment opportunities that are filled because of it. The circular flow of national income of a state gets a very big contribution from the real estate market and keeps it flowing steadily. When so much is depended upon it then it should definitely get a place amongst the much pondered upon issues.

Any market; whether it is a commodity market or some other markets there will always be certain forces working together to make it run. A brief overview of the running forces of this market can facilitate even an ordinary man in dealing with real estate matters. The real estate market is huge with two basic forces running it that is demand and supply of real estate. There are owners and tenants and their money capital that they are willing to invest in the properties. These are the two very main characters that play the entire role. Because they are the ones who have money they can invest. The others come second on this list. There are others who rent or lease out their property instead of consuming it themselves. The demand side depends on the population requirement while the supply side depends on all those inputs that help in building the stock of real estate.

The equilibrium formed thus by the forces of demand and supply depicts the mechanism of this market. The study of real estate thus provides tips for a better economic and social development of the societies of the World.

Jonathon Hardcastle writes articles on many topics including Real Estate, Business, and Finance

Do You Have a Burning Desire To Get Wealthy?

Real Estate Investing Success Series: Part I ? Burning Desire

Real Estate seminars and home-study courses have made many millionaires. However, the huge majority of seminar attendees and buyers of those courses never buy a single house? Why is that?

What?s the difference between people who go to seminars or buy information and immediately implement and change their life, and the people who let the stuff grow cobwebs on top of the refrigerator?

Is it the desire to change their life and circumstances for the better? No, I don?t think so. Everyone has the desire to make more money, have nicer things, and lots of toys. They would not have invested anything if that was missing.

What it is, what the BIG difference is between desire, and a burning desire. A desire is a casual thought that you would like to achieve something, kind of a vague vision of a nice outcome, with no real time table or definite plan to make it happen. A burning desire is a consuming desire that takes up much of your time awake and even invades your dreams. It has a definite plan of action and timetable, and you rarely allow anything to interfere with your fierce pursuit of the goal.

A person with desire will listen to negative talk from ?friends? and well meaning family members who try to discourage them from achieving their dream. If you find yourself saying, ?Maybe they are right?, then that?s not a burning desire. A person with a burning desire knows they are right and lets all negative thoughts roll off like water off a ducks back. Napoleon Hill calls this working yourself into a ?white heat? to achieve your goals. If you can develop this ?white heat?, then you will succeed. And as someone who has climbed that mountain, I have something incredible to tell you:

When you arrive at the destination you dreamed about, you will find that there is no one guarding the door! This place always existed, and the key that opened the door was the burning desire to get in. I don?t mean to over simplify this. Of course there will be detours along the road, or obstacles to overcome, disappointments to suffer. This happens to everyone.

Here?s an exercise you can do. Write down your goals, and then go back to them a day later and rate your desire to achieve them. No one is looking; you can be brutally honest here. Rate each goal on a scale of 1 ? 10 as to your desire to make it happen. If you have anything scored less than a 10, cross it off your list. Disregard it, and focus only on those that you scored a 10 (or higher!). These are your REAL goals.

You also need a well thought out plan, and the skills that are necessary to make your dreams a reality. The good part is that all of that stuff is already available in books, courses, and seminars. But if you asked me to bet on the success of someone who has all the right tools and average desire, or the guy with nothing but a burning desire, I?ll always put my money on the second guy. Every time. Why? Because I was the guy with nothing.

Hello, my name is Marko Rubel, and my story starts a little over 10 years ago when I landed to this great country! I didn?t speak a word of English, and all I had was $3,000 in my pocket. However, I had a BURNING desire to create wealth! Today, I?m a multi-millionaire and I can help you become one too! To learn how Real Estate investing has changed my life, and how it can change yours, go to http://www.FreeWealthCoaching.com.

The ?Wealth Minute? is a free-video newsletter published by Marko Rubel, it teaches you the real estate techniques Marko Rubel used to achieve tremendous wealth investing in real estate without using any of his money or credit!

The Fizzling Real Estate Boom

The last five or six years have been some of the best in real estate for a long, long time. There is little doubt those days are over, but what does this mean to you?

The Fizzling Real Estate Boom

For the last few years, we have seen an incredible surge in the real estate market. While some states such as Texas and Colorado missed out, most states showed hyper appreciation and sales rates. The combination of incredibly low interest rates and a solid economy created a frenzy in the market. This frenzy led to such amazing situations as homes in Las Vegas appreciating at rates of over 25 percent in a single year. A single year!

As with a bubble you might blow from gum, the good times had to come to an end. Recent reports from various credible sources show the real estate market slowing down. In many places, it is actually showing a reverse trend where home values are dropping instead of just slowing down. As a homeowner, what does this mean to you?

First off, there is no reason for you to panic. The appreciation you have seen on your property is a paper gain. This paper gain does not impact your financial situation until you actually sell your home and accept an offer. When discussing appreciation and home values, it is important to remember the figures represent a projection of wealth. If you make your mortgage payments on time and then sell in 10 years, the value of your home will only matter when you actually sell at the tenth year. The value in years 2, 5 or 7 is more or less irrelevant. As long as you are able to meet your debt repayment obligation, there is no reason to panic because your home is losing some value.

The real estate market will recover and so will the value of your home. Of course, many people would like to know when the recovery will occur. The truth is nobody really knows. At the moment, the gurus are suggesting the market will bottom out in 2007 at some point and then recover. Even if it takes till 2008, you should be fine. Once appreciation rates start moving in a positive direction, you will recover any of your paper losses in due course.

Yes, the real estate market is pulling back. If you relax and live in your home for a few years, the value will rise again.

Raynor James is with FSBO America - information on home values.

How To Control Your Financial Future?It Can Happen!

Has an amazing business deal fallen through the cracks because a primary funding source refused to lend you the money needed to get the deal done? Have you been rejected by the bank when trying to obtain a loan?

Beyond the primary lending market, there is an alternative funding source known as the sub-prime or secondary market. The National Real Estate Investor published its Borrower Trends Survey in February 2006, which indicates after approaching banks, 32% of respondents cite private investors as debt sources. Another world of financing opportunities quick and easy to deal with and that want to lend to you!

According to the 2002 U.S. Census Bureau there are 271 secondary market financing establishments, a 22.5 percent increase in comparison to the 1997 survey results. The trend of increase is still developing as the secondary market gains wide visibility. Private lending, an alternative you should take into consideration, is a fast and flexible way to receive funding. An essential difference between the primary and secondary markets is secondary markets will accept higher risk and less than perfect credit.

Banks often will decline funds not only to imperfect credit sources, but also for not owning enough assets. Banks may also decline your request for a loan if the amount is not large enough! If you are trying to invest in a new office building and need the capital to get off to the right start, don?t give up! Research the secondary market and get the cash to purchase the building you need. If you need cash flow the secondary market is where you go!

The building blocks to your wealth start with stepping off the beaten path that traditionally led to banks, credit unions, and mortgage companies. The secondary lending market has expanded significantly over the years and accounts for a great deal of home and business purchases today. A multitude of business professionals and investors are seeking opportunities but don?t know where to turn.

Let?s get back to focusing on our goals and dreams and turn our backs on glass ceilings and closed doors. It?s the entrepreneurs that make our economy churn. What are you waiting for? Now is your chance to build businesses and wealth. I will see you on the early beaches of retirement!

Maria Fee is a mortgage professional, real estate investor, teacher, and master marketer with more than 20 years of business experience. Maria is the President of REMI KNOX, LLC, a group of investors who purchase real estate notes nationwide. Quoted by the media as an expert, she is continuously recognized for her extraordinary knowledge and real estate investing experience.

You too can discover hidden secrets to success with real estate notes. To take control of your financial future with proven strategies visit Maria's website at http://www.REMIKNOX.com. Happy investing!

Sell Your Home For A High Price In Any Market

The normalization of the real estate market has brought with it the problems inherent within that market. The abnormal market that we have been experiencing over the last five years practically eliminated one of the most obvious ones, namely Foreclosures. As more and more attention is paid to the increasing number of foreclosures and the larger standing inventory of unsold homes, it becomes more difficult to sell a home for top dollar. The expertise of a professional Realtor becomes more valuable in today?s more ?normal? market. Where previously all it took (in the last few years) was a for sale sign on the yard and a few small ads, that no longer suffices. It is now increasingly important to tap into the knowledge of an experienced professional, and fortunately, there are a good number of them.

One of the most important things you can do as a home-seller seeking to get the highest or best price is to look for the best Realtor to assist you in the process. In today?s real estate industry, you will find many newly licensed agents who have not experienced the ?normal? market that we have entered. The marketing and analysis of home values are much more complex than just a sign in the yard and a property profile. Experience counts big!! One easy way to look at how much experience an agent has is to look on the Department of Real Estates website where you can see when an agent obtained their license, or to see if they are even licensed. That website is http://www.dre.ca.gov Click on the licensees link and then look up the agent?s by name.

http://www.nefcortez.com

Nef Cortez has been dealing in real estate and foreclosures for over 29 years. For free foreclosure lists please visit Chino Hills California Real Estate

10 Big Mistakes Novice Real Estate Investors Make

Buying real estate is as popular as ever, and it seems pretty straightforward at first glace. With mortgage interest rates at all time lows and plenty of real estate to buy, many investors truly believe that they can do a bit of cosmetic work, accessorize a bit, and then put up the for rent or for sale sign. Unfortunately, it is not quite that easy and there are some common mistakes that can be avoided if one plans ahead and truly understands what he or she is getting into before investing.

Don't Fall In Love

The first rule of thumb when you are investing in real estate is that you cannot fall in love with any one property. When you are looking at real estate to buy for investment purposes you can't think like a homeowner, you must think like a business owner. Don't think about what you like about a home or a piece of real estate, think about how well it will sell or rent in the current market.

Not Exercising Due Diligence

When you invest in real estate you can't simply invest if the property looks good at face value. A very thorough inspection of the structure needs to be done as well as research on the local market. One must also look into the vacancy rates and average rents for homes or structures that are comparable. A diligent business owner will also look into how the neighborhood is zoned as well as any regulations that will apply to the rental property. You will also want to check into how many other rental properties are in the area and if they are comparable to the property you are looking at.

Forgetting the Rule about Time and Money

Many new investors forget that all home improvements are not as cheap and as straightforward and they hoped that they would be. The rule that most investor's use is that it will take twice as long and three times the money than you would think to ready a unit for rent or sale. Real estate isn't transformed over night, so one must plan accordingly. Failing to plan ahead for this can leave you in a real bind where you lose money because you don't have the resources to complete a project.

Believing You'll Secure the Lowest Mortgage Rates

Television can be very deceiving for those that are in the real estate investment business. The low mortgage rates are not offered for just anyone, they are for owner occupied homes, which are considered much less of a risk than a unit that is rented out. Homes that will not be owner occupied will experience mortgage rates that are 1.5 to 2% higher, which can make for a huge difference in monthly payments for the investor and his or her tenants. You also need to be aware of your credit, if you have terrible credit you won't have much luck getting a loan, but the better your credit is the better your rate will be.

Failing to Pre-Screen Tenants

Many new landlords are so anxious to get their new tenants moved in that they forget all about screening them to be sure that they have a relatively clean credit history, they are gainfully employed, and that they have a good rental history. While screening tenants can take a bit longer than you might like to wait, it's easier to get this done than to try to evict a tenant. It's always better to pre-screen than deal with the headaches later.

Breaking Your Own Rules

New investors often set business rules for themselves, and then occasionally they get a bit soft. If you have established rules about what day the rent is due, pet policies, waterbeds, or lawn care, stick with those rules. The minute you stop obeying your own rules you set your self up for disaster. If you stick to your rules and you refuse to break them no matter the situation, you will find that you are much more successful in a business sense.

Investing in Obscure Areas

Generally, it is not a good idea to invest in properties that you cannot visit regularly. Long distance real estate investments leave you out in the cold and you may have no idea what is going on in or around your property. It is a good rule of thumb to only invest in areas that you live.

Paying More than the Property Is Worth

New investors often do not do the proper research and end up paying more for a property than it is worth. When you are investing you have to think about yourself, even if that means that you have to low-ball the seller at first. Investing in real estate is all about getting the right price for you. You need to know that you can cover your mortgage and your expenses from a rental payment, so really consider what the local market will allow.

Failing to Look into the Competition

It's a good idea to look at the competition, especially if they are successful. Lower payments, exciting features, and more will often help fill rental units. Pay attention to what works in your area and duplicate it if possible.

Not Acquiring Enough Insurance

Being under insured is a common mistake of new real estate investors. You need to know that your insurance company will cover accidents on the property as well as damage due to fires or natural disasters.

As you can see, there are a lot of mistakes that you can make. Luckily, if you plan ahead and do not rush into real estate investment you can avoid a lot of these pitfalls, saving you a lot of time and money. Avoiding mistakes will help you become a much more successful real estate investor.

Andrew owns a website that offers useful guide on real estate business. Vist his website at: http://www.buy-and-sell-house-fast.com/ for more tips.

San Diego Real Estate

The real estate climate in San Diego has been experiencing resurgence in recent years as evidenced by the various opportunities that investors can take advantage of in San Diego. If you are thinking of investing in real estate in San Diego, it would be helpful to take a look at the statistics that are indicative of the performance of the real estate sector in San Diego, this information can be very helpful in making your investment decisions.

2005 performance

In 2005, the average appreciation of the value of houses in San Diego reached 7.5 percent, and the average price for a home was $575,000 as compared to only $225,000 in 1999. This number is quite high given that the appreciation rates of homes usually hover about one percent higher than inflation. For this period, inflation was only at 3 percent, which attests to the fact that real estate in San Diego has been experiencing a boom. For condominiums, the average price increased to 7.8 percent, which now stands at $385,000. It is quite evident that real estate prices have risen well above national averages, which means that investors should get in the market so that they can take advantage of the trend of increasing real estate prices.

Forecast for 2006

For 2006, it is estimated that the average price of homes will further increase by 5 to 10 percent and sales will remain stable. Mortgage rates are also estimated to remain stable at about 6.5 percent, which is favorable for buyers and investors since a stable interest rate will reduce the risks involved in financing a real estate purchase.

Given the bright prospects that the San Diego real estate climate has in the near future, it can be beneficial for investors to explore opportunities in the county. They can do so by getting the right information as to the performance and trends of the real estate market in San Diego. They can also get information from other sources such as newsletters from realty associations as to their assessment of the market in San Diego.

San Diego Real Estate provides detailed information on San Diego Real Estate, Buying Real Estate In San Diego, Downtown San Diego Real Estate, San Diego Real Estate Agencies and more. San Diego Real Estate is affiliated with Miami Beach Real Estate.

Selling Your Home

Whether you decided it is time to move to another area, or to a different house, the main issue remains that you are interested in selling your current residence. But in order for this to take place and you to receive the largest possible bid, you have to do some work beforehand so as to attract prospective bidders attention and walk out with a big smile on your face.

The first thing you have to do before putting your house on the market is to make it as presentable as possible. Real estate agents support that the way you will present your property to the prospective buyers can make al the difference in the world. But there is no need to panic that while being short on money you will have to invest in expensive and time-consuming renovations and redecorations. With some simple steps, it is possible for you to show your house to its very best advantage and gain the deal you want during the time period you wish.

If your house in not part of an apartment building, but a single house in a nice neighborhood, then it is extremely important to pay attention to the curb in front of the house. A clean driveway can give an excellent first impression to the prospective buyers when they drive up towards your garage. In case the outside area is not appealing, then they might not be interested in seeing the inside, or they will be negatively influenced from the beginning and will not be willing to bid as high as you hope or bid in general. In addition, lawns have to be mowed, bushes and trees to be trimmed and windows to be cleaned. Perhaps it would be a good idea to plant a few flowers and add some color to your yard, making it more inviting and friendly. In general, remember to fertilize and water your lawn and plants for two to three weeks before putting your property on the market. Of course garbage has to be thrown away and if your house has a swimming pool that has to be clean. If you wish to get rid of some stuff, then it is best if you schedule your yard-sale before beginning showing your house to interested buyers.

If your house's exterior needs to be repainted, but no available budget exists, it will cost you less to wash off any extra dirt and then paint only the trim, which will update the entire surface. Some people select to repaint the area that faces the street, while others do not spend as much taking care of the outside space, as much as having the interior of the house in perfect shape. In particular for the interior part of your house, consider hiring a professional to do the job and be sure that this cost will bring you a higher sales price. Painting the walls on a light color paint and take care of the doors and the locks making sure that they are able to open and close as they are supposed to. Of course replace the light bulbs if they are burned and steam clean the carpets to renew them. Finally, remember to replace any missing or damaged tiles and have your bathrooms sparkle as well as your kitchen. This is because buyers are particularly interested in examining bathrooms and kitchens, and finally closets. Thus, it is better if you concentrate your efforts there.

Concluding, check the competition in your neighborhood by visiting other open houses and compare your deal both in pricing and condition. This will give you a head start against other houses that are sold in the vicinity.

Jonathon Hardcastle writes articles on many topics including Real Estate, Business, and Finance.

Cabo San Lucas Real Estate Your Questions Answered Part 1

Want your Tequila Straight Up Or...'Mas Suave' - A No BS article by David Mandich - Baja California Real Estate and Consulting Advisor

Cabo San Lucas, being only two beers away by plane from Southern California, is fast replacing Hawaii as the preferred quick-trip exotic vacation and 2nd home buying destination for many Americans. Almost three million tourists travel to Baja California Sur each year visiting its towns, bays, beaches, islands and golf courses for an average stay of 3.5 days.

Some, like me, come for a visit and never go back. Some stay for a week and return to the States with a stuffed marlin, condo, dental make-over or breast implants. Makeovers are big here - from cosmetic dental and plastic surgery to lifestyles. It's all about feeling, and being young again. With the Nikki-Beach Club in Cabo to any of the surf, golf, fishing or gentlemen's clubs that abound,Los Cabos is sure to put some life back in your life style.

International Bi-lingual schools for children through high school are available in Cabo and San Jose. And the tuition is ridiculously inexpensive. Maybe $300 a year. More folks should consider bringing the little ones to live here. Its safer than the big cities back in the States, the school kids respect their teachers, and there's a lot of desert and water oriented fun things to do close at hand.

So how do you make it happen? How do you find the right building lot, condo or that dream house overlooking the sea? Where does one find the perfect casa for one's lifestyle, and - per many peoples criteria - a casa that makes for a sound investment? Do you look in Cabo? San Jose del Cabo? The mysterious East Cape? The artists' colony of Todos Santos? Or perhaps someplace in between?

Let's Start With Cabo San Lucas Proper Cabo San Lucas is the main tourist destination for people visiting the Los Cabos area for the first time. It sits on Cabo San Lucas Bay which is flanked on the west by a series of monumental rock formations known as Land's End. This outcropping of land is the end of the nearly one thousand mile Baja California Peninsula where the Pacific Ocean meets the Sea of Cortez.

The water and air temperatures can be 20 degrees cooler a few hundred feet on either side of the tip. On the inside one can snorkel in crystal clear warm waters swarming with colorful tropical fish around underwater pinnacles off the cove known as Lover's Beach. The fish there will literally eat out of your hand as they've all heard the place is a game sanctuary. This is what all the tourist brochures say. But the reality is that all the friggin' fish in the Sea of Cortez will eat out of your hand any day of the week if you've got bread, tortillas or fish entrails in your hand!

You can find crystal clear water for snorkeling for the next 900 miles beginning in Cabo and going on up the inside of the Sea of Cortez. If your fantasy place in the sun involves water sports - start in Cabo, head East and then North until you find your slice of paradise. And you can surf and wind surf all the way around the East Cape.

The Pacific Ocean side of the peninsula is generally rougher, cooler in the summer (nice), and compared to the Sea of Cortez - underwater visibility for divers is much less. But compared to anywhere back home in the States - it's ALL GOOD. Some say its paradise. If you want cooler Southern California coastal temperatures in the summer as you plan on living here year around - start looking North of Cabo. The land rush in this area right now is Cerritos, Pescadero and Todos Santos.

Next: Luxury Homes & Condos As Investments in Cabo San Lucas

David Mandich takes the anxiety out buying real estate in Cabo San Lucas Mexico. Get the facts on new housing developments, resorts and which area in Los Cabos best suit your lifestyle and taste. For a complete review visit the Cabo San Lucas Mexico Real Estate section on FunTripsLIVE.com

Why the U.S. Real Estate Market is Slowing Down?

As of June 2006, the sales in the U.S. real estate market have decreased for the eighth time in the last 10 months, directly accountable with increasingly mounting interest rates. Nonetheless, a certain level of consumer confidence has boosted, contrary to expectations.

Statistics show a 1.3% drop in home resales as it fell to a 6.62 million annual rate from May?s 6.71 million rate. The positive thing, however, is that the 6.62 million level of resales in June was slightly above the 6.60 million projected resales rate made by Wall Street analysts. Concurrently, average 30-year fixed interest rate was 6.68% in June, up from 6.60% in May. These resales statistics show signs that the U.S. real estate housing market is apparently equilibrating.

The median home prices also rise up from $229,000 in May to $231,000 in June. This translates to a 0.9% increase from corresponding median home prices in June 2005. Significantly, such price increase represents the lowest comparative year-over-year price gain since May 1995.

The inventory of unsold homes also rose to a new record of 3.725 million units. This is equivalent to a 6.8 months supply based on the June sales pace. Such a growing level of inventory, if it persists, would further decrease prices in coming months.

Statistics for demands on U.S. real estate properties are accrued for 4 regions in the U.S. Demand fell by 3.5% in the Northeast and 2.3% in the South. On the other hand, sales did not change from their previous levels in the Midwest and in the West.

The major alarming concern at present is that the imminent sharp drop in U.S. real estate sales could send serious repercussions through the entire U.S. economy, a potential slump akin to the economic recession in 2001 following the bursting of the stock market bubble in the previous year. Real estate investors generally express cautious optimism regarding the performance of the U.S. real estate industry in the coming years. The likelihood of still ever increasing interest rates curbs expectations of a robust year.

Tom Barrack, arguably the word's greatest real estate investor according to Donald Trump, thinks the catalyst for the slowing down of the U.S. real estate market performance is a steep rise in the price of construction materials as well as labor. Construction costs have spiked 20 percent in the past nine months, Barrack states. The reasons he enumerates are: shortages of labor and materials like lumber because of the boom in construction, and increases in the oil prices. Oil is an essential raw material that is required to produce materials such plastic piping, insulation, and shingles.

The direct effects will manifest first in speculative real-estate hot spots such as Miami and Las Vegas, where condo developers are pre-selling their projects for what appears to be substantial profits. Barrack predicts, ?When [these developers actually build the units over the next year or two, they will end up spending more then the units are now selling for.? As a consequence, the developers will try to hoist selling prices. However, since speculation is the primary scheme in buying, Barrack claims that buyers will either ?sue the developers to get the original price or take their deposits back and walk away.? Hence, the developers will then lob the units back into the market, thereby contributing to the surplus of unsold condos. When the supply rises up, naturally the prices go down. The domino effect of busted deals brought about by rising construction costs is the underlying factor causing the deceleration of the U.S. real estate market.

By Earl Juanico

Miami Real Estate

By Earl Juanico - http://miamirealestateinc.com

Condo Hotels: What Investors Need to Know

Condo Hotel projects are on the rise. From skyscraper hotels to luxury resorts, condo hotels dot the landscape of popular vacation destinations, such as Florida and Las Vegas. And big hitter personalities like George Clooney and Donald Trump, wanting to capitalize on its popularity, can?t wait to attach their name to a condo hotel project. Even Nicky Hilton is jumping into the condo hotel craze. Her boutique style condotel, befittingly named Nicky O, opens this November in Miami, and she has plans for another condotel in Chicago.

But because a star is successful, does that assure his/her hotel will be, too? Steven Roszell, owner and broker of CondoHotels.com and HotelsforSale.com, doesn?t quite think so. ?A big name on a project does not guarantee success,? says Roszell. ?Ivana Trump, George Clooney, Michael Jordan, and even the famed Hard Rock Las Vegas project are some of the most recent examples of scrapped projects.? Roszell cautions potential buyers not to invest in a condo hotel solely for its illustrious name. ?Big brands, such as Marriott, Hilton, and Four Seasons, and seasoned developers and management companies are a better indication of a project?s success. This is their business---they?ve been doing it for years,? Roszell adds.

The condo hotel?s location also does not predict its success. Orlando, the world?s top vacation destination, has reached its saturation point with condo hotels. ?It may come down to there is too much supply,? says Roszell. ?If investors buy with the intent of flipping the property to make a fast buck, the Orlando market may not be for them.? Roszell also adds, ?Investors anticipating a high rental income may need to rethink Orlando for the time being. There's potential for too much supply.

Roszell advises his clients to look at three factors when considering a condo hotel: location, growth, and future income. ?We tell investors that a condo hotel purchase is a lifestyle investment. Buy in locations where you want to vacation for the next 5 to 25 years.? Roszell also notes how condo hotels have become prevalent in major metropolitan cities, such as Boston, Chicago, and New York. ?There is a limited amount of prime location areas that can be built upon in these major cities, and in time it?ll be harder to get a room during peak season in those locations.?

Condo hotels or condotels are hotels that convert a portion of rooms into condominiums and make them available for purchase. Once a property is bought, owners may enjoy their new luxury condo and/or choose to rent it. Owners receive a percentage of any rental proceeds and hotel management takes care of maintenance and cleaning.

Steven Roszell is owner and operator of www.CondoHotels.com and HotelsForSale.com and specializes in the sale of Lodging and Hospitality properties around the world. Based out of Denver, Colorado, Steve has been hailed by the Denver Business Journal as one of Colorado's Heavy Hitters.

Steven brings 15 years of real estate knowledge to his businesses. Being a licensed real estate broker in Colorado and Florida, Steven has been able to build a vast network with both real estate developers and owners. Throughout his career, he has worked with several high profile clients including Turnberry Associates, Millennium Partners, W Hotels, WCI Communities, Citibank, and the United States Government.

Steven lives near Boulder with his wife and three children.

Dallas Commercial Real Estate

Commercial real estate could include several categories of real estate like industrial, retail, investment or office. Commercial real estate stands for property that is used for a business or investment venture that has the potential to provide a return on the money spent. In Dallas, commercial real estate goes largely by the same classification and consists of the aforementioned categories. The main players in the commercial real estate scene in Dallas are brokers, mortgage brokers, architects, property managers, and lending agencies.

As in any big city, commercial real estate in Dallas is situated mainly in downtown Dallas, with its sprawling skyscrapers that vary in their architectures and sizes. The one- and two-storied commercial buildings that dot the downtown area typically accommodate restaurants and night clubs. The recent practice has been to convert some of the old commercial buildings into lofts. Some of the fastest-moving commercial properties in Dallas are retail space, high rise offices, downtown lofts, warehouses and industrial plots, and executive suites. Apart from downtown Dallas, the nearby cities of Plano and Hurst are areas of commercial real estate activity.

The North Texas Commercial Association of Realtors and the North Texas Commercial Association of Real Estate Professionals are two associations that bring real estate professionals from the North Texas area, particularly the Dallas area, together.

The Dallas commercial real estate market has remained vibrant due to the continuous growth of the Texas economy, particularly the Dallas economy. For the period of 2000-2005, Dallas was forecast to be in the list of the top five cities in the nation on the basis of demand for construction of office spaces. The commercial real estate scenario in Dallas has been impacted by the boom in the telecommunications and call-center industries, making Dallas the center of these activities in the nation. This has been driven by the fact that the cost of conducting business in Dallas is eight per cent below the national average. The positive outlook for the telecommunications and wireless industries means that the commercial real estate scene in Dallas would remain bright.

Dallas Real Estate provides detailed information on Dallas Real Estate, Dallas Lake Front Real Estate, Dallas Real Estate Agencies, Dallas Commercial Real Estate and more. Dallas Real Estate is affiliated with Austin Commercial Real Estates.