Big Profits Turning Small-Town Properties Part 1

The problem: with financing for buyers to buy properties being very hard to come by, many investors are having a very hard time making money by turning real estate, which is the "bread and butter" to cover operating expenses while they build their long-term real estate holdings. Most stated-income programs have dried up, and most programs require 20-30% down payment plus 2 years verified income history and squeaky clean credit--which limits the pool of buyers considerably and makes homes very hard to sell.

One of the only low-money down programs is FHA, but FHA requires 90 day seasoning, and 3% down payment from the buyer. FHA also scrutinizes a buyer's income and credit. This is good but still not great.

what really sells a property quickly is a unique selling proposition. Most conventional real estate agents try to sell a home conventionally, they are all competing for a smaller pool of A-credit buyers with lots of down payment. However, the market is flooded with homes being sold this conventional way--and it is difficult to compete against this.

One unique selling proposition is offering a home with easy to buy terms, special type of financing. One of the best financing that I know of

Another Secret to Getting Banks to Settle for 15%

I have good news for any of you who are suffering with credit card overwhelm. You never intended for this to happen, just a series of economic changes have affected virtually every American. Fortunately, there are ways to fix this. In this brief summary I will share with you a tip that will help you ultimately get the best settlements with credit cards.

First of all, settlement is an option in which the credit card company you owe money to is willing to take less than what it owed. Often if you are behind on credit card payments, it is easier to negotiate a settlement. How do you do this? Simply call up the bank and explain your situation.

In this particular case I will share with you, my client owed Bank of America $15K on one business credit card, and approximately $17K on the other. When I first called BofA in September to ask for a settlement, the rep quickly agreed to approximately 20% on both accounts. I accepted this and provided account information to make a payment.

Apparently, the Bank was unable to process the payment and began leaving urgent voice messages. When I called back I was informed that the previous settlement offer had expired.

Fortunately, I spoke with an understanding representative who noted that the payment was not processed correctly. When I asked her to reconsider the settlement offer, I asked is 20% the best she can do? We would prefer 15%, she asked for the contact information of an attorney the client would consider for chapter 13.

This way, she documented good cause for why such a low settlement. After a few follow up calls back and forth, she faxed over approval letters for a settlement of 15% of the balance, payable over 4 installments. This was way better than a 20% settlement payable over 3 installments stipulated in a previous agreement.

The lesson is that a settlement is not always the final settlement which can be much better than the initial one. A bank can make a mistake that can be corrected, sometimes in your favor.

The benefit of this settlement is that you get free of the stress and hassle of an overdue unaffordable debt, you get a fresh start, and can settle your debts honorably by facing them instead of running away. After paying off the debt through a settlement, your credit record reports as paid as agreed, zero balance, and/or settled for less than original balance, all of which are much better than a delinquent unpaid status. Plus you elminate those harassing collection calls and letters which distract you from getting work done and making money.

In my Ultimate Credit System I provide specific scripts and worksheets for you to use that make settlements quick and easy and ensure you get maximum results.

Sell Your Home at Lightning Speed - Just Point and Click

Some of us remember the olden days of doing real estate. If you've been around the real estate block for a decade or so, you probably remember the old school ways of selling a house. The sign in the yard. The lockbox. The ad in the paper. People calling at all hours wanting to see inside.

But those ways had their disadvantages. It was often very time consuming, whether you were a property owner or real estate agent to handle inquiries. If you have a potential buyer who wanted to see inside a property, you had to schedule a time to meet them, show them the kitchen, the bathroom, blahdi blah. This wasted both your and the buyers time if after they have seen the inside they quickly determine they don't like the house.

On an on, if a buyer wanted to look at a dozen properties, it could literally take half a day or so, chauffering them around from place to place.

Now with the advent of technology you can see the inside of a property thanks to a virtual video tour while sitting in your underwear drinking your favorite Starbucks blend. You can knock out touring a half dozen properties without ever wasting a drop of gas.

It gets even better for real estate investors, home sellers, and real estate professionals. With "ebay.com" now a household term, nearly everyone with some computer skills has bought/sold something on an online auction, or knows someone who has. Bottom line, we know auctions work, and we may have overpaid on auctions.

And online sales of real estate, especially through auctions, is on the rise. In fact, its one of the fastest growing segments of real estate today.

In the Real Estate Turbo-Selling System, I spill the beans on how you can turn real estate to cash in a flash using secrets from one of the world's fastest ways to get anything sold: by auction. Taking this system online is like giving an athlete steriods.

If you want to sell a property on e-bay, here are some pointers:
1. have plenty of information about the house, everything a buyer wants to know
2. include as many photos as possible, link to a virtual tour if possible
3. start with a very low, attractive reserve
4. consider e-bay classifieds

I have sold property using ebay, and you can do. However, I find ebay more suited to selling consumer goods, lower ticket items. I find it time consuming and cumbersome selling real estate. Also it is hard to build credibility because there is not much room to put your references, licensing information, etc., so you may lose potential buyers who may like your house but don't feel comfortable you are "for real". (But ebay real estate will give you a taste of what is possible with real estate.)

Fortunately, I did discover an incredible online selling mechanism that virtually does all the work for you and dummy proofs your entire experience. Just point and click, it does the rest.

In an exclusive bonus only available in the Ultimate Auction System, I bring on the nation's leading investor real estate technology expert to show you how to make a killing selling (or renting) property online, just point and click. What I like about him is this guy is for real; he buys and sells property daily, and because he is in the trenches, he knows exactly what anyone else steeped in real estate needs.

I even introduce you to a very proprietary system specifically designed to make all your properties sell or rent in a flash. You will be among the first few in the country to even know about this, which will put you light years ahead of the competition.

You will be cashing check after check cashing in on property for months, or years, before anybody else figures out what you did and how you did it.

Imagine Your Relief at Getting Out of Debt - Here's a Settlement Success Story (20 cents!)

In this challenging economy, many businesses and individuals have become way over their heads in credit card debt. It can feel hopeless and stressful at times knowing you have more debt than you can possibly afford to pay off especially due to economic changes.

some think the only resort is bankruptcy, or possibly consumer credit counseling.

Fortunately, there is a simple way to get your credit cards settled for a fraction of the balance.

One of my clients has a $15,000 and $17,000 business credit card with Bank of America. Due to business collapse he has not made any payments for several months...the bank usually has 180 days, if an account has not been made payments on within that time frame, it goes to chargeoff and collection.

The key is to get the account right before it goes to chargeoff. So I called up Bank of America...I felt nervous at first. I was afraid the banker would yell at me, or humiliate me or intimidate me.

I called up the number on the back of the credit card. After I verified the account information, I asked to speak with someone about settling the account. I was pleasantly suprised with how pleasant the banker I called up really was...

I simply stated "look, we never imagined the economy would turn like this and make this account unaffordable. We would like to do the honorable thing instead of declaring bankruptcy. Please let us know what are the best settlement options for the account."

Then I kept silent.

She plugged in her numbers. After a just a few brief moments, she announced her number. She would settle the accounts! The $17,000 account for $3,600 and the $15,000 account for $2,800. Better yet, we could pay over 3 monthly installments!

The woman seemed extremely sympathetic to the plight of small businesses, who are the backbone of the new economy. She also regretted that due to new OCC guidelines that BofA couldn't offer an even better settlement. Apparently before the "Tarp" money BofA could settle for even less, as low as ten cents, and spread payments out over 6 months.

Still, this solution seemed reasonable as is. So I asked her to fax it to me in writing.

Here's some advice:

1. Call up the credit card companies an ask for settlement offers. The worst case is they say no.
2. Keep persisting and insisting on a better offer. Don't give up.
3. Document your conversations and get their settlement offers in writing.
4. Do ask to make sure your credit is unharmed upon settlement, if possible.

Good luck! In my VIP million dollar rolodex I include the name of the representative at bank of America who provided this settlement. I also include the name of a local company who will handle all these accounts for you without your involvement--this can save you time and free you up on rebuilding your business and pursuing your exciting profitable ventures.

8 Unconventional Tools that Could Give You a Hidden Edge in Real Estate: Facets of "Conscious Real Estate"

Ashland, OR: I was at a lovely dinner soiree with my dear friend and mentor Stanley Krippner and other luminaries, including Jean Houston. Guests were inquiring about my work in "conscious real estate" and how these concepts can be applied to the current real estate crisis.

Stan encouraged me to keep writing about this topic; he believed it has commercial value. I like to think of myself as someone who listens to those wiser than he. I agreed to write some today.

So, here is a brief compilation of some of the less than conventional approaches to real estate. Why do I consider them conscious real estate? Because they infuse a greater awareness, higher consciousness into one's real estate dealings.

Applying these techniques can help a buyer rent/or buy an ideal property, an owner sell faster and for a higher price, and for a real estate professional, i.e. investor or real estate agent, can enact a sale with greater satisfaction:

1. Dreams. Paying attention to one's dreams for clues or symbols to assist one with their real estate dealings. This could help cut through ambiguous decisions. I featured 10 interviewees who all had dreams that guided their real estate purchases, which were some of the most satisfying in their entire lives.

2. Astrocartography. The use of astrology, either Western or Eastern Vedic, to guide the process of where in the world to relocate geographically based on astrological factors. Astrocartography can help assess a particular property as well, whether it has beneficial or harmful astrological applications. For example, one astrologer I consulted when I had been living in Philadelphia (unhappily, I might add), recommended Phoenix, AZ as a "communication nexus" for me due to the two mercury lines that crossed through that city. I considered this in my move, and I made my first million at a young and tender age there.

3. Dowsing. This process involves using a divining instrument, e.g. a pendulum or two divining rods to aquire information about a property. For example, a talented dowser can walk a plot of land and based on the movement of the sticks can assess where water or mineral deposits are underneath the land. As well, the dowser can assess some disruptive energy lines as well, which might contribute to health disturbances should someone live there.

4. Remote Viewing. This is the use of the mind to gather information about distant locations without any direct physical sensory means. in 1994 in Faber, Virginia, I first met Joe McMoneagle, "Remote Viewer 001" the first covert agent who worked for various divisions of the US Government and private industry. Initially his work involved gathering intelligence about military bases overseas to locate weapons that could pose a public safety risk. Joe was speaking at the Gateway Voyage, a week-long group journey into exploring unusual realms of consciousness using Hemi-Sync(tm) a patented sound technology designed to faciliate nonordinary states of awareness. Joe served as an excellent example of what is possible, and how this ability can be trained.

5. Feng Shui. The ancient system of arranging the layout and objects inside and outside of a property for optimal flow.

6. House Clearing: Remote. I hired an intuitively gifted practitioner, Mami Wheeler, to assess a property at a distance, with the intent to clear less than optimal energies which she could apparently perceive. For example, one horse property that purchased as a result of a divorce of the seller and his wife--I placed three occupant buyers in the property, and each of them had to be evicted because of domestic disturbances. Mami assessed the property and determined some relationship disruptions and energetic disruptions which lingered in the home and continued to influence these buyers negatively.

7. Ritual House Clearing. The use of systems and ceremonies in person to clear a property of less than desirable energies and set a clear intention. Mami Wheeler provided protocols for a fire, sage, and salt cermonies based on Native American traditions. The properties we performed this ritual on appeared to attract buyers who raved about the "energy" of the property.

8. Intuitive Consultations. For example, I hired Gigi Van Deckter, a gifted intuitive strategist, who had consulted in the 1990s in the US and overseas to global leaders, including Bill Gates, CEOs of Sony, Sega, Atari, etc. I would provide her a list of properties, buyers, sellers, and she would provide strategic information on the spot that I incofporated into my decisions. For example, when I purchased a residence in Scottsdale for $3,000.00 down, she suggested I double check the roof on the NW corner of the property. This was later confirmed by a home inspection which revealed some roof deterioration. Had I not been aware of this issue, I could have suffered further water damage to the home.

This is a very brief overview. Future articles will focus on each of these techniques in further detail, including definitions, my personal experiences with them, their benefits and disadvantages, and how buyers, homeowners, and real estate professionals can apply them.

Please note, these techniques are no substitute for sound, rational, financial decisions. They are simply additional information sources to augment or assist you in your decision making process.

In many instances in the real estate world, we have a myriad of ambiguous factors to consider and an overwhelming haystack of information. These techniques of conscious real estate, applied properly, can help guide you to your optimal decision so you can achieve the greatest satisfaction in your decision making.

Here's a Success Secret: Apply for Credit Lines Simultaneously and Not Sequentially

At a January 2009 workshop I attended, Dan Kennedy, my marketing mentor and one of the world's highest paid copywriters, observed how his most successful clients act simultaneously not sequentially. He tells the case of a man who needed funds, so he applied to 10 sources at the same time. He got five acceptances, and actually surpassed his original goal. If he had approached his challenge conventionally, he may have taken action on only one channel, possibly got turned down, and perhaps given up.

The job of an entrepreneur is to raise capital and generate revenue. One of the best ways to raise capital is to get credit, so you have access to money at your fingertips whenever you need, without having to beg someone. Apply this to the process of getting and building business and personal credit lines.

In my business, I am applying for and processing at least a half dozen credit line programs at the same time. These may be a combination of personal, business, or both. Each are in different stages of development. For example, I have two seasoned corporations I have built credit with one provider. Also I am building credit for my corporation that has been in existence in 2001. Recently I was offered another preapproved $20K credit card, which I applied for immediately. But

Another provider claimed he could get me a $750K credit line, which I was supposedly "guaranteed". The guarantee was so solid that I have been refunded my original $7K upfront investment that I paid them. I have yet to receive this line.

Anyway, my point is that you cannot rely on any one particular source to come through, especially during chaotic, turbulent economic times. A "guaranteed approval" one day can turn into a decline the next as a result of policies that change almost daily, much to the frustration of borrowers and bankers alike.

There are risks in applying for credit lines simultaneously. If you have more than one business operating out of a single location, DNB may flag one or both companies and you lose all the credit rating you have built up. After getting flagged, I am told this is very difficult to restore.

Another risk is that if you have many applications floating around, if the applications overlap and end up at the same bank or provider, that could cause you to be rejected because it is apparent you are shopping for credit. To help prevent this, only apply for 2-3 credit lines at a time, and make sure with your sources that you are applying to different banks.

Also you could end up with too many inquiries on your personal or business credit bureaus, which could also get your credit request declined. There are special ways to delete and remove inquiries from your credit bureaus, fortunately.

To make the most of this strategy, write down your short-, medium-, and long- term goals. Getting access to the money to run your business is one of the most crucial and challenging endeavors, especially now at the time of this article.

Getting and building credit will help ensure you survive and prosper in these times. Follow these steps, and put into motion several of your credit strategies all at the same time, and your goals will come true.

How to Apply "Synergy" to Your Day to Make Your Life Easier More Joyful and Creative

I once read this dense book called "Synergy" by the late genius Buckmister Fuller. It was a tome, and it left an indelible impression upon my thinking.

What is concept of synergy? Well quite simply, it is the notion that the whole is greater than the sum of its parts. In other words, the ideal combination of several different elements is much stronger and more effective than these elements alone.

Take steel, for example. It is a combination of iron, aluminum, and other metals. These are all processed together with energy to produce a resulting metal that is much stronger. Each metal alone may have a certain strength on its own. But when you combine these in the right proportion, you get steel, with is many multiples stronger.

Let's apply this to your life. Starting with your daily schedule, for the daily schedule is the basic building block of a successful life. Every day, you lay bricks down on the foundation of your life. Do this strategically and wisely and you will create a beautiful enduring structure. Do it haphazardly and what you create won't stand.

One of the most common mistakes I see others make in their daily schedule: is that they are consumed with one aspect of their life to the detriment of the others. So for example, one of my business partners is consumed with her trading projects.

She is glued to her cell phone making calls the moment she rises until the moment she falls asleep. So she neglects to exercise, meditate, or eat regularly or in a schedule. I don’t consider this synergistic. This sort of routine leads to burnout because it does not incorporate other important activities.

My ideal schedule, which includes exercising, eating raw food, phone calls, work, etc. is great because it includes all of the elements, their ideal proportion of time in a day they require, and the ideal times to do them. For example, I exercise 30 minutes per day, first thing in the morning. This is a bite-size, sustainable practice. In fact, I listen to books on tape and training material directly related to direct-response marketing, etc. to use my time even better and ensure I stay on the cutting edge of my industry.

The exercising rejuvenates my body, the meditation/spiritual practices rejuvenate the mind and consciousness. This awareness gives me an edge in my other activities that I am more clear and creative. The hour invested returns me two hours worth of increased productivity.

I see many successful business people whose bank account is fat but they are also fat around the waist. This fat indicates health problems, which lead to suffering, and likely a shorter lifespan, and ultimately less time and life to enjoy these riches. Their approach focused on work to the detriment of health. So they work all day but don't take 30 minutes to exercise. Definitely not a synergistic approach.

A daily schedule that incorporates all the right elements, over time leads to synergistic results in the long term. For example, eating healthy, exercise, meditation on a regular basis not only ensures that all these crucial areas of life are met and given attention, but that these aspects support and reinforce one another.

Long term, for example, one who is healthy in appearance is considered more attractive, which leads to more sales (marketing survey mentioned by Dan Kennedy). By meditating with a clear mind means business decisions which are made more soundly, that can accumulate advantages leading to financial breakthroughs, or preventing costly embarrassing decisions and business relationships that could have been prevented if we were thinking clearly at the time.

So take a close look at your daily schedule. Spend 3 days tracking moment by moment every activity. Then analyze and reassess: am I spending the right amount of time on the right activities to best advance my life and career?

Then rewrite your ideal optimal daily schedule, what time you would want to do your daily activities and how much time do you want to spend on them. This would be a guide, a compass, a "north star" to navigate you through chaos.

Regularly schedule in some time to reassess your schedule and time to maximize the concept of synergy in your life.