How to Find Investor Partners and Private Lenders For Your Real Estate Investing

Whether you have lots of money and great credit starting out, or no money and lousy credit starting out, either way, if you truly want to make a serious bid at building a property empire then you cannot discount the importance of learning how to find investor partners and equally how to find private lenders to help fund your real estate investing. As you go along in your real estate investing career, as long as you pay attention and get educated about real estate investing, you will find that the skill you possess in spotting value and valuable money-making opportunities in real estate will far, Far, FAR surpass your ability to get all the money you need to do all these many deals you come across- UNLESS...

You learn how to find investor partners and find private lenders and get your money sources in place AS YOU GO ALONG and BEFORE YOU NEED THEM.

Real Estate

How to Find Investor Partners and Private Lenders

How to Find Investor Partners and Private Lenders For Your Real Estate Investing

Creative investing techniques aside, sometimes you need real cold cash to do a deal. And sometimes it can be very frustrating not to have it to hand. For that reason, available financing money tends to be the biggest challenge for many real estate investors, new and experienced both. If you can't get the financing, sometimes there's just no deal.

John Wooden once said "Don't let what you can't do stop you from doing what you CAN do". Keep that in mind now as I lay out what you should do, if for example you do have little money or a poor credit situation. And if you don't then you'll still find more access to money than you might have ever though you needed (yet) when you apply these strategies.

Now, I speak from experience (big time!) when I say that lack of money and/or a negative credit situation can be one HECK of a hurdle to leap over but with enough tenacity and creativity and faith you will do it.

Before you get all disappointed that I'm not saying it's easy, I want you to consider a paradigm shift in your thinking. Today, I want you to see that it's not easy but it IS simple. I want you to consider that being credit challenged is not all a negative. I want you to believe that this "negative" situation can have a powerfully positive silver lining, and that's this:

"As long as I KNOW I'm going to make it happen (a deal, this business, whatever), whatever holds me back (poor credit and/or no money) is immaterial to accomplishing my goals. In fact, I am BLESSED to have this challenge (poor credit and/or no money) because since I KNOW I will succeed that means I will have successfully defeated this challenge and developed skills and attributes (patience, tenacity, faith, creativity) that will take me far FURTHER than someone for whom this (credit/money) was not a problem. Nor will I, when I have bested this challenge (poor credit and/or no money) ever take what I have gained (good credit, wealth, financial independence) for granted and lose it-- as some who never face challenges do."

Believe that and you cannot fail.

Now, as for the steps to help you right now getting your money sources in place to do even more real estate deals, let's talk about finding investor partners and private lenders for real estate investing.

Here are a few strategies many people can do immediately, and others as soon as is feasible with their time and money availability. If you do these concurrently, and CONSISTENTLY, in less than a few years you can have access to more money to do deals than you might imagine:

1) Go to the Courthouse and look up mortgage documents. Go regularly because you're researching. Creating the database that will get you paid. Ask around, these people (civil servants) can be extremely helpful if you are humble in your requests. Just don't expect to discuss real estate investing with them, they likely don't care. What are you looking for? You are looking for the mortgage lienholder. Take a tablet of paper with you and write down any (including mailing address) INDIVIDUAL (i.e. non- Wachovia, First Century Financial, Bank of America bank/finance institutions) names you find. These are one of two types of people, people who took back a mortgage on the sale of their own home (owner financing)- whether it was their idea or not. You don't usually want these (not for gaining investors who will give you money to do deals anyway).

The second kind is a private lender, someone that loans their money out secured by a property. These are the ones you want. How to find the good ones? Call them and introduce yourself, explain that you are a real estate investor coming across a wealth of high-ROI secure low-LTV real estate deals and in search of short-term mortgage financing from private individuals to get the deals done.

One of three things will happen, two of which will make you money potentially.

a. They know exactly what you're talking about because they hold a LOT of private mortgage notes-- not just the one you found that prompted you to call them-- and love the high safe returns they get. These types will ask what interest rate you're offering or other savvy questions. These are the private lenders you want. Find out as much info as you can about them and add them to your database, promising to notify them first when you have a deal in the works. Don't worry if you don't have answers to all their questions. At this point having their contact info and them knowing who you are, being "pre-pitched" is all we're concerned about.

b. They don't have any idea what you're talking about or think you're crazy or aren't interested or have no money to loan/invest.

c. They know what you're talking about because they have a seller-held mortgage on a house they sold and in fact HATE that they are receiving payments over time-- instead of the lump sump cash they wanted (but couldn't/didn't receive when they sold). NOTE: Two questions here could make you a nice chunk of cash: "Why?" and then "Oh, I see, well Mr. Jones that's actually my specialty. I can get you all the cash coming to you within a week, and you could __(insert their answer to Why? here)__ right away without waiting all those years and the headaches of collecting payments. Of course, because you're getting cash in your hand, it would be a discounted amount from the face value you SETTLED for when you took the mortgage. If I could get that set up for you with just a few questions and you'd have the cash within the week-- would that be something you'd now be interested in?"

Once you've done this it's a simple matter to connect them with a lender you contacted in #1 or find a buyer through an online private lender clearinghouse like http://www.cash4notes.com or calling someone more experienced or getting a private mortgage broker involved- though they'll take much of the profit. Any of these is an easy way to cut yourself in the spread for a few thousand dollars or more, with just a little paperwork and you're doing nothing unethical. If you do this be sure to consult a competent real estate attorney, however, because you're dealing with securities and complicated paperwork).

But again, the point isn't to find cash flow loans, it's to find lender investors for your own deals. Just think of #3 above as a lucrative sideline that costs you little but the time it takes to ask 2 questions.

2) Place ads "Money wanted. Up to 16%. Short term and long term. Minimum investment (insert here whatever 65% of the average value of a home in your area is) Private investors needed. Secure, low-LTV investments collateralized against income-producing properties. Free consultation. Call now.

Local people are best when it comes to developing investor partners for real estate investing. These people are going to want to meet you and see what you're about. Remember, professionals don't have to have all the answers. You just have to know you can get them! So use the local newspaper. Use bandit signs (these are the signs you see on the side of the road- just check your local county ordinances and attorney about possible penalties). Call the guys at 866-SIGN-GUY and even if they're not available in your part of the country, they'll happily refer you to someone who does it where you live I bet. Also, put the above ad on the back of your business cards.

A no cost option is placing the above on http://www.craigslist.org, the world's largest online free classified ads exchange, and other classifieds online.

3) Attend a private money bootcamp seminar, even if you have to borrow or put it on a credit card or convince a better-off friend who is like-minded to go halves on the cost for two to attend. There are some good options for this But it's pricey. Go to the training section of the HIS Real Estate website to learn more.

4) Go to your local REIAs (real estate investor associations). Don't ask these people for advice until you're experienced enough not to fall for the blind leading the blind phenomenon that prevails at many of these, or have seen proof of how successful they are and how many deals they've done. Get business cards, hand out yours. Ask the organizer to address you from the front of the room and introduce yourself. Let people know you're looking for money investors, and that you are in search of investor partners for real estate investing.

5) Improve your own credit.

Here are some simple, easy, and mostly free ideas that won't work for everyone, but will work for many:

-Hire a credit repair company (be careful there are some scams out there)

-Celebrate your successes and hold yourself accountable. Sign up for credit monitoring at 14.95/mo through Truecredit.com or another.

-Get someone in your family or a close friend with GREAT credit to add you as an "authorized user" or better a "secondary user" to their high-limit, long-history credit cards. Tell them it will not affect their credit AT ALL, and they can cut up the card in your name that is sent to them. You'll be surprised at how many points this can bump you up.

- Decrease your DTI and debt-to-credit limit ratios one of two ways. Pay down revolving (credit card) balances to BELOW 50% of the limits. OR, and some people never even think of this one...ask that your credit LIMITS be increased so that the balance owed is less than 50% of the new higher limit

- Remember, sometimes the best investor partner you can have is your own credit's ability to channel OPM

6) Call everyone who advertises "We Buy Houses" in your area. Many of these investors also lend on property as private lenders. It's a great way to find private lenders for real estate investing. With very little change in your schedule (just being AWARE and writing it down when you see these walking or driving- pull over first!) I guarantee you can create a database of HUNDREDS of these in your locality-- unless its extremely rural anyway-just by paying attention to billboards and bandit signs on the side of the road. This is an example of the phenomenon that when you want to make money in real estate without your own money it's What You Know + Who You Know = What you Get.

7) Realize that if you have the What You Know AND the Who You Know handled, What You Have right now is NOT IMPORTANT. Do you follow me?

How to Find Investor Partners and Private Lenders For Your Real Estate Investing

Danny Welsh is an editor of investing newsletter 'The Good Steward' with Investing Do's, Don'ts and Deals! Danny invites you to learn more today when you join America's #1 Real Estate Network at HIS Real Estate Network.

Also, find investor partners and private lenders using the new search engine for real estate investors -- a fantastic "bookmarkable" resource created by investors for investors.

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A Good Real Estate Letter is the Real Deal

It seems like I've written at least a couple of hundred real estate letters over the last year. So, it may surprise you when I say "I hate writing letters." Writing for me is a stomach knotting, finger tightening, forehead creasing, gut wrenching experience. I guess that's why I avoid writing them as often as I do.

However, there's one good thing about the tortuous experience of writing letters and that's this...I love what a good real estate letter does for my business. A good letter generates leads that can be leveraged into paying customers, customers who buy, sell and rent real estate. Nothing has had as big an impact on my real estate business as has a single, but well written letter.

Real Estate

I wish I could say that my letters are magical, but they aren't. However, what I've come to realize is that somewhere along the way of becoming good marketer is that I learned the formula for letter writing success. Specifically, the letters are not about how good I am, but rather a reflection of how well I address the needs of the readers.

A Good Real Estate Letter is the Real Deal

Real Estate Letter to Sellers

For example, most sellers want to sell their homes as fast as they can and for the most money they can get. So, my letters to them tend to emphasize the things that I do to effectively market their real estate; networking with agents known for always having buyers, spelling out the unique ways I'll market their home (e.g., market to grad students, college professors, physicians, investors, law enforcement personnel, fortune 500 company employees, etc.).

I tell them the things that they want to hear and then deliver on what I promise. I also sell them on the idea that I'll be available to them 24/7, while secretly hoping that they don't call at 2:00 AM. But just between me and you I'd be okay if they did.

Real Estate Letter to Buyers

On the other hand, letters to buyers emphasizes finding them a good deal, no matter how long it takes. Of course you want to sell buyers homes as fast as you can, but you have to respect the fact that they'll be spending hundreds of thousands of dollars, so a little patience is in order.

The difference between rushing a buyer into a home after only 2-3 three days of looking verses 2 weeks of looking before they find the perfect home is HUGE. In the first instance they'll know that you're all about you and that your main goal is to make a sale. However, in the second example they're likely to think that you have their best interests at heart and are therefore good candidates for a lifelong relationships...and referrals.

Capturing A Readers Interest

Summarily, an effective real estate letter captures a readers interest and compels them to action. It starts with an attention grabbing opening line that makes them stop and actually think about what you have posed. That's followed by a solution to their proposed expressed as a teaser. To get all of the specifics of your solution will require them to pick up the phone and call you.

But when it's all said and done I still hate writing letters, but I love what they do for my business.

A Good Real Estate Letter is the Real Deal

Need some proven real estate letters? Then visit Real Estate Marketing Talk to learn more about the ones I use.

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Skipping DHLPP Vaccinations This Year - What's the Big Deal?

How does a vaccination for dogs work? In simplest terms, a vaccination stimulates the dog's immune system to protect itself against disease. When the antigen or infectious agent enters the dog's body, it is recognized as foreign and antibodies are produced to bind to it and destroy it. Even though the invader is gone, the cells that manufactured the antibodies "remember" it and will respond more quickly the next time the same agent is confronted.

Rabies (valid from 1 or 3 years, depending on vaccine) Rabies vaccination of dogs is required by government laws in the United States. Normally the one year vaccine is given to puppies. Once the dog is adult (around 1 y.o. depending on the breed) he can take a 3 year Rabies vaccine.

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DHLPP (stands for Distemper, Hepatitis, Leptospirosis, Parvovirus and Parainfluenza)

Skipping DHLPP Vaccinations This Year - What's the Big Deal?

Each of the disease conditions for DHLPP vaccine are broken out as follows:

Distemper (Annual Vaccination) A contagious and incurable viral disease that affects the respiratory, gastrointestinal and central nervous system. Airborne inhalants are the primary cause of transmission. It's also shed from the infected animal through bodily fluids (watery discharge from eyes and nose), especially respiratory secretions. Contact with urine or fecal material of infected dogs can also result in infection. Boarding facilities used by infected dogs can harbor the canine distemper virus.

More than 50% of the adult dogs that contract the disease, die from it. Among puppies, the death rate from distemper often reaches 80%. Even if a dog doesn't die from the disease, its health may be permanently impaired. It can leave a dog's nervous system irreparably damaged, along with its sense of smell, hearing or sight. Partial or total paralysis is not uncommon, and other diseases, particularly pneumonia, frequently strike dogs already weakened by a distemper infection.

The signs of Distemper are not always noticeable. For this reason, treatment may be delayed or neglected. Frequently it may look like a severe cold with fever, congestion, nasal and eye discharge or discharge from other body openings, weight loss, coughing, vomiting, diarrhea, sudden viciousness or lethargy, abnormal lumps, limping, difficulty getting up or lying down, excessive head shaking, scratching, licking any part of the body, difficult, abnormal or uncontrolled waste elimination, dandruff and loss of hair, open sores, ragged or dull coat, foul breath or excessive tartar deposits on teeth.

Hepatitis (Annual Vaccination) - Also called Adenovirus 1 or abbreviated as CAV-1 or A1 Infectious canine hepatitis is an acute liver infection in dogs caused by canine adenovirus. The virus is spread in the feces, urine, blood, saliva and nasal discharge of infected dogs. The virus can be passed through the urine for periods of up to one year. Dogs of any age are susceptible to the disease. Mortality is about 10% and about 25% of the survivors develop a temporary corneal opacity (hepatitis blue eye). Annual vaccination with a modified live virus will give permanent prevention. The causative agent, an adenovirus, is not infectious to humans.

It is contracted through the mouth or nose, where it replicates in the tonsils. The virus then infects the liver and kidneys. The incubation period is 4 to 7 days. Symptoms include fever, depression, loss of appetite, coughing, and a tender abdomen. Corneal edema and signs of liver disease such as jaundice, vomiting and hepatic encephalopathy may occur. Severe causes will develop bleeding disorders which can cause hematomas to form in the mouth.

Death can occur secondary to this or the liver disease. However, most dogs recover after a brief illness, although chronic corneal edema and kidney lesions may persist. The disease can be confused with canine parvovirus because both will cause a low white blood cell count and bloody diarrhea in young, unvaccinated dogs.

Leptospirosis (Annual Vaccination) Leptospirosis is transmitted by the urine of an infected animal, and is contagious as long as it is still moist. Rats, mice and voles are important primary hosts, but a wide range of other mammals are also able to carry and transmit the disease. Dogs and humans become infected by leptospires (an infectious bacteria) when abraded skin, eyes or mucous membranes come into contact with infected urine, blood, food, soil or water that has been contaminated by infected animal urine. Also when dogs lick the urine of an infected animal off the grass or soil, or drink from an infected puddle.

There has been reports of "house dogs" contracting leptospirosis apparently from licking the urine of infected mice that entered the house. Leptospirosis is also transmitted by the semen of infected animals. In humans, though rarely, it may happen mostly with veterinarians, slaughter house workers, farmers and sewer workers. Symptoms include high fever, severe headache, chills, muscle aches, vomiting, and may include jaundice, red eyes, abdominal pain, diarrhea, and/or rash. In humans complications include meningitis, respiratory distress and renal interstitial tubular necrosis, which results in renal failure and often liver failure. Cardiovascular problems are also possible. Because of wide range of symptoms the infection is often wrongly diagnosed.

Parvovirus (Annual Vaccination) Canine Parvovirus is a contagious virus affecting dogs. The disease is highly infectious and is spread from dog to dog by physical contact and contact with feces. Most dogs (more than 80%) will show no symptoms of illness within 3 to 10 days. Symptoms include lethargy, vomiting fever and diarrhea (usually bloody). After a dog is infected, there is no cure, but dogs usually recover from the viral infection and symptoms with five days with aggressive treatment. However, diarrhea and vomiting result in dehydration and secondary infection can set in, causing death even in treated dogs. Risk factors for severe disease include young age, a stressful environment, and concurrent infections with bacteria, parasites, and canine coronavirus.

Due to dehydration, the dog's electrolyte balance is destroyed. Because of destruction of the normal intestinal lining, blood and protein leak into the intestines leading to anemia and loss of protein, and endotoxins escape into the bloodstream, causing endotoxemia. The white blood cell level drops, further weakening the dog. Any or all of these factors can lead to shock and death. Survival rates depends on how quickly it is diagnosed and how aggressive the treatment is.

Direct contact with infected feces is not necessary for the disease to spread: viral particles on shoes, clothing, hair, and so on are all that is needed for the transmission. The disease is extremely hardy and has been found to be present in feces or other organic material (eg. soil) even after a year including extremely cold and hot temperatures. The only household disinfectant that kills the virus is a mixture of bleach and water, 1 part bleach and 30 parts of water. A dog that successfully recovers from Parvovirus is still contagious for up to 2 months. Neighbors and family members with dogs should be notified of infected animal so that they can ensure that their dogs are vaccinated and tested.

Parainfluenza, Bordetella, Adenovirus 2 (CAV-2), Kennel Cough (6 to 12 months vaccine protection) Parainfluenza, Adenovirus type 2, Bordetella and Distemper, are all members of the Kennel Cough complex. Kennel Cough is a highly contagious disease. It is known mostly as tracheobronchitis, Bordetella or Kennel Cough. It can be picked up by rabbits, guinea pigs, cats and dogs. It's not contagious to humans though it is closely related to Bordetella pertussis, the agent of Whooping Cough. Among dogs it's fairly contagious depending on stress level, vaccination status, and exposure to minor viruses. It causes inflammation of the upper respiratory system. It can be caused by viral infections such as canine distemper, adenovirus, parainfluenza virus, canine respiratory coronavirus or bacterial infections such as Bordetella bronchiseptica. It is so named because the infection can spread quickly among dogs, such as in the close quarters of a Kennel.

Both viral and bacterial causes of kennel cough are spread through the air by infected dogs sneezing and coughing. It can also spread through contact with contaminated surfaces and through direct contact. It is highly contagious. Exposure occurs in environments where there are other dogs in proximity, such as kennels, dog shows, and groomers. Symptoms begin usually 3 to 5 days after exposure.

It is a serious condition in very young puppies, especially those with a recent shipping history (i.e. pet store puppies) are especially prone to severe cases of infectious tracheobronchitis (frequently progressing to pneumonia). Symptoms can include a harsh, dry hacking/coughing, retching, sneezing, snorting or gagging; in response to light pressing of the trachea or after excitement or exercise. The presence of a fever varies from case to case. The disease can last from 10-20 days. Diagnosis is made by seeing these symptoms and having a history of exposure.

Vets recommend keeping all dogs current on Bordetella vaccinations as you never know when they be in an unexpected situation.

Adenovirus Type 2 serum also immunizes against Adenovirus Type 1, the agent of infectious hepatitis. Vaccination options: intranasal spray or injectable (a good choice for aggressive dogs who may bite if their muzzle is approached).

Corona (Optional annual vaccination) Coronavirus is a virus of the family Coronaviridae that causes a highly contagious intestinal disease. Canine coronavirus was originally thought to cause serious gastrointestinal disease, but now most cases are considered to be very mild or without symptoms. A more serious complication of canine coronavirus occurs when the dog is also infected with canine parvovirus. Coronavirus infection makes it more susceptible to parvovirus infection. This causes a much more severe disease than either virus can separately. However, fatal intestinal disease associated with canine coronavirus without the presence of canine parvovirus is still occasionally reported.

The signs of Coronavirus are similar to parvovirus, so the initial diagnostic tests will likely include a parvo test. The incubation period is only one to three days. The disease is highly contagious and is spread through the feces of infected dogs, which usually shed the virus for six to nine days, but sometimes for 6 months following infection.

Symptoms include diarrhea, vomiting, and anorexia. Treatment only requires medication for diarrhea, but more severely affected dogs may require intravenous fluids for dehydration. Fatalities are rare. The virus is destroyed by most available disinfectants. There is a vaccine available, and it is usually given to puppies, which are more susceptible to canine coronavirus, and to dogs that have a high risk of exposure such as show dogs.

Recently, a second type of canine coronavirus has been shown to cause respiratory disease in dogs. Dogs that recovered from Coronavirus develop some immunity, but the duration of immunity is unknown. Strict sanitation is required, especially if the household contains more than one dog. All animal waste should be disposed of daily, and feeding and watering utensils should be properly sanitized.

Lyme (Optional annual vaccination) Lyme disease is caused by bacteria called Borrelia burgdorferi, which is passed to dogs through a bite from the deer tick. The tick must remain attached to the animal's skin for at least one day before the bacteria can be transmitted. Quick removal of the tick will also help prevent Lyme disease. Unfortunately, these ticks are very small and easily can go unnoticed. The ticks, called Ixodes or deer ticks, generally are found in specific regions of the United States, where Lyme disease is endemic, such as the northeastern states, the upper Mississippi region, California, and certain southern states.

Without treatment, Lyme disease causes problems in many parts of the dog's body, including the heart, kidneys and joints. On rare occasions, it can lead to neurological disorders. Symptoms are high fever, swollen lymph nodes, lameness, loss of appetite, heart disease, inflamed joints, and kidney disease. Disorders of the nervous system, while uncommon, may occur as well.

To Vaccinate or not vaccinate - that is the question.

There is lack of scientific proof on this matter. When pet vaccinations began to take place, they were only recommendations - not based on scientific evidence. Because of for example a parvo virus epidemic in 1970 that killed thousands of dogs, mass vaccination against the disease was administered in the United States.

In 1988, rabies vaccination started to be mandatory for cats. In 1991, researchers noticed the increased number of tumors in cats. Soon, veterinary professionals began to suspect vaccination risks in various autoimmune diseases. They noticed that, in some animals, vaccines were stimulating the animal's immune system against his or her own tissues, leading to potentially fatal diseases, such as auto-immune hemolytic anemia (AIHA) in dogs. They suspected vaccine reaction was causing chronic conditions such as thyroid disease, allergy, arthritis and seizures in cats and dogs. But in 1995 the Journal of the American Veterinary Medical Association concluded that there was "little scientific documentation that backs up label claims for annual administration of most vaccines", and that the only vaccine tested routinely for duration is the rabies vaccine. Also, they suggested that some vaccines should be given annually, but others only every few years would be sufficient because of potential risks associated with them.

Some Vets prefer to vaccinate only when necessary. They give annual titers, or tests, to check the level of antibodies (disease fighting cells) in the blood, and only then it can be determined if booster vaccinations are necessary. Since vaccinations were recommended by the USDA for many decades, it made opinions very controversial.

Many Vets still believe that it's too early to change the usual vaccination procedure. They believe that until more is known about the immunity conferred to some vaccines, it's best to take the conservative approach. They emphasize that annual vaccinations have been effective in decimating the incidence of former potentially lethal viral diseases such as canine distemper, hepatitis and parvo virus. They claim that while the vaccination issue is a complicated one, non vaccination is a major error. In most cases, the threat to animals health from non vaccination is much greater than the usual vaccinations. The diseases are real, severe and common.

This debate could be settled by more research and information. But while vaccine companies are under no legal obligation to demonstrate duration of immunity, that question may remain unanswered for some time. And there are claims that the problem lies in financial and political issues. A study would have to be made in which viruses would be given to inoculated animals over a period of 5 to 10 years. These animals would have to be kept in a controlled environment for these tests and only drug companies have this kind of money. Some say that for the drug companies, the decision is based on priorities: either more products or immunity studies. Not both.

Skipping DHLPP Vaccinations This Year - What's the Big Deal?

M Wilson

[ http://www.ubbernews.com ].

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Free Lollipops - Ways to Get Free Candy

Looking for free lollipops and end up finding only sugar free candy? When looking for food freebies, it could be especially frustrating when you go through complete pages of search results and cannot find even one free lollipop to satisfy your cravings.

So what can you get, when you are looking for free lollipops? Being able to tell what is it that you want and what you can settle for (for example, free or discounted candy) will help you find elusive freebies.

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Buy one get one free - Many stores and confection shops will offer you special deals when you buy their candy. Even if you don't see a big sign right upfront the shop, come in and ask. You might be able to score some free sweets this way, by getting offered free samples.

Free Lollipops - Ways to Get Free Candy

Discounts on candy - You can search the leading coupons sites for printable coupons that will save you money on gum, hard candy, chocolate and other confections, or you can look for coupons codes. This way, even though you pay, you end up paying a lot less because you can save 10% -25% off the purchase price.

Free candy offers - While some may stumble onto candy offers that are simply scams, there are still plenty of solid offers where you need to complete a survey or check out some products.

Sweets at restaurants - Some fast food chains, like Jack in the Box, are happy to offer you a free dessert. Sure, it isn't a lollipop you can chew on, but it is guaranteed to satisfy you sugar craving and best of all, it is free.

What you should remember is that the supply of freebies fluctuates, on a daily and even hourly basis. So don't give up if you cannot find any free candy today. Sign up to a couple of free stuff forums and check back every so often.

Free Lollipops - Ways to Get Free Candy

For free stuff, including free samples by mail, freebies and offers, visit our free coupons site.

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Arizona Real Estate Law - Understanding Arizona's Anti-Deficiency Statutes

In Arizona, absent some agreement, rule or statute to the contrary, a lender can generally seek a deficiency judgment after foreclosing on a property securing a loan, if the property does not sell for enough money to satisfy the debt in full. Fortunately for most typical Arizona homeowners, the Arizona legislature has adopted anti-deficiency statutes that preclude such recourse in many typical fact scenarios. In addition, the parties to a real estate contract may expressly agree that the lender's only recourse is foreclosure on the property itself.

In the event of non-recourse loans, the non-recourse provision should be included in the mortgage or deed of trust. In most cases, the lender agreeing to a non-recourse loan will also want assurances in the loan documents that the borrower will not commit acts of waste.

Real Estate

In the absence of express agreement, Arizona law provides protection for borrowers against potential liability stemming from the sale of a property at less than market value in a foreclosure sale. The borrower, however, must act quickly to protect his or her rights. If the property sells for less than the amount owed to the lender, the borrower is entitled to ask a court to determine the property's fair market value. In the event the court agrees that the far market value is higher than the sales price the buyer gets credit for the higher amount. This not only protects the borrower from an unfairly low price, but encourages lenders to make a credit bid for an amount near fair market value.

Arizona Real Estate Law - Understanding Arizona's Anti-Deficiency Statutes

There is an even more favorable statute protecting borrowers against deficiency judgments involving single or dual-family dwellings on 2 1/2 acres or less where the loan is "purchase money," meaning it was used to pay the purchase price of the property. Typically, loans used to refinance purchase money loans are also considered purchase money loans, although the use of some of the proceeds to pay other debts, obtain cash out, or for other uses may expose the borrower to recourse liability.

Significantly, even if the loan is not a purchase money loan, the lender's election to utilize non-judicial foreclosure on the deed of trust renders it non-recourse by operation of law. The lender may, however, instead seek judicial foreclosure, which is more expensive and time-consuming, but preserves the ability of the lender to obtain a deficiency judgment. This anti-deficiency statute also allows a lender to seek a deficiency judgment against the borrower in the event of waste.

Because interpretation of the Arizona anti-deficiency statutes and related real estate laws can be very complicated, borrowers and lenders are advised to seek the assistance of an experienced real estate attorney with any questions or concerns they may have.

Arizona Real Estate Law - Understanding Arizona's Anti-Deficiency Statutes

Kevin R. Harper is an Arizona real estate and business litigation attorney, representing individuals and small businesses throughout the state of Arizona from his Central Phoenix office located at 1 N. Central Ave., Suite 1130, in downtown Phoenix. His firm also has an office in Chandler, Arizona and represents individuals and businesses all over the state of Arizona.

For more information about Arizona real estate law, feel free to contact Harper Law PLC at 602-256-6400, or visit the firm online at http://www.HarperLawArizona.com

Copyright 2008 Harper Law PLC, all rights reserved.

The above article is designed for informational purposes only and, because every situation is different, is not intended as definitive legal advice. You should not act upon this information without seeking independent legal advice about your individual situation.

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7 Tips to Real Estate Agents' Success

With over 2 million real estate agents according to the National Association of Realtors (NAR), becoming a successful real estate agent takes more than just a license and a knowledge of current laws and regulations.The first year drop out range estimated to be from 40% to 80% demonstrates that many real estate agents are not as successful as they could be and research suggests that 90% give up after 3 years. The following 7 tips may help you avoid becoming one of these statistics.

First and Foremost YOU are a business. Real estate agents work for a broker, but are independent, commissioned sales people. This means that you are a small business and must run your practice as a business. Again, remember you are a small business owner. Embrace a Planning Attitude. If you don't have a plan, then you are on some else's plan - usually the successful real estate agent's. During the last 10 years, what I have learned as a performance improvement consultant or coach is that most people place more value in planning a trip to the grocery store or a vacation than planning their lives either professionally or personally. Research Your Market Plan. Since you, as the real estate agent, are responsible for your own expenses, do your research specific to your marketing plan within your strategic plan. Time spent in constructing your marketing plan is definitely well spent. NOTE: Remember a business plan usually is data driven, while a strategic plan identifies who does what by when. Establish Sales Goals. Using your strategic action plan, establish sales goals. If you are new to this industry, it may take 6 months before the first sale. HINT: Use the W.H.Y. S.M.A.R.T. criteria for goal setting. Create a Financial Budget. Budgeting is critical given the up and down of this volatile market place. Your financial budget should plan for your marketing costs, any additional costs such as education and your forecasted income. Make Managing Yourself a Priority. Building a business is not easy. You must learn how to manage yourself especially in the area of time management, ongoing real estate business training coaching continuing education units, and personal life balance. Real estate is said to be a 24/7 business much like any small business. However, it is important not to lose sight of your personal life including family, friends, physical health, etc. Find a Mentor or a Real Estate Coach. Going it alone is not easy. Take the time to find a mentor who can help you steer through some of the known obstacles and help you during the "peaks and valleys." If you have the resources, you may wish to hire a real estate coach or an executive coach who specializes in small business help and sales.

Real Estate

Being an incredible sales person and entering the real estate market does not guarantee similar sales success. However, these 7 tips may help you avoid many of the pitfalls by not being one of the four real estate agents who quit within one year or one of the nine who give up after 3 years.

7 Tips to Real Estate Agents' Success

7 Tips to Real Estate Agents' Success

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Bronchitis In Pregnancy - Facts To Help You Deal With It

Pregnancy is an exciting moment for the would-be parents; a moment of great significance. It is the culmination of the love of a man and woman have for each other. It also means that another individual is about to arrive into this world.

Pregnant women should take good care of themselves. Remember it is not just yourself your are taking care of; you are also taking care of your unborn baby. The immune system of an expecting mother is weakened, and therefore, she becomes susceptible to a myriad medical problems.

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Usually, pregnant women suffer from colds and coughs. This is dangerous because colds and coughs can lead to more serious conditions such as bronchitis. Therefore, a pregnant woman must take special care to see that she does not catch a cold.

Bronchitis In Pregnancy - Facts To Help You Deal With It

Bronchitis is a condition characterized by inflammation of the bronchioles. Its symptoms are similar to those of common cold. Keep away from conditions that might give you a cold if you are pregnant.

Simple Ways to Prevent Bronchitis

To avoid contracting bronchitis, you need to avoid catching its symptoms. Put simply, it means that your simply cannot and should not catch a cold, and here is what you should do in order to avoid catching colds and coughs

Wash your hands as much and as often as possible. If you have to travel to a place where washrooms are not available, carry a hand sanitizer or alcohol.

Maintain cleanliness in and around your house. Things that you have to touch, especially, should be very clean. Invest in some germ-killing disinfectants and use them while cleaning your house.

Avoid people who have colds and coughs. In your present condition, you are highly susceptible to colds and coughs, and it is not advisable for you to interact with individuals suffering from a cold or cough.

How Does Bronchitis Impact a Pregnant Woman?

Bronchitis can impact a pregnant woman is several ways.

A persistent cough is one of the symptoms of bronchitis. While it does your harm your baby, it can cause a lot of discomfort and annoyance to you.

Another symptom of bronchitis is a mild fever. According to medical studies, women who acquire a temperature higher than 38.9 degrees Celsius may give birth to a defective baby. So, if you get a high fever, it might impact your baby in adverse ways.

Symptoms such as cold, throat pain, and chest pain cause a great deal of annoyance to the pregnant woman; however, if checked at the right time, these symptoms won't cause any harm to your baby.

Steps to be Taken if You Notice Symptoms of Bronchitis

If you have observed the symptoms of bronchitis in yourself, you need to take necessary precautions to prevent the condition from becoming chronic. You also need to ensure that you do not suffer the discomforts that bronchitis can bring to a pregnant woman.

Drink plenty of non-caffeinated liquids because this eases mucus secretion. It is highly advisable for pregnant women suffering from bronchitis to drink plenty of water, fresh fruit juice, and soups.

Place a humidifier in your house; this will help you if you are suffering from cold.

Use saline drops to prevent stuffiness in your nose.

Take a warm shower daily. Studies have shown that a warm shower not only clears mucus but also prevents stuffiness in the nose.

Take plenty of rest. Relaxation is of utmost important.

Visit your obstetrician or gynecologist and talk to him or her about your condition.

Medicines for Bronchitis

It is not possible to avoid medicines even when you are pregnant. Medicines help you manage and control your condition better. Commonly, pregnant women with colds and allergies are treated with decongestants. Plenty of expectorants and cough suppressants are available to help pregnant women escape from the discomfort caused by coughing.

Before taking any of these medicines, however, remember to talk to your doctor. This way you can protect yourself and your unborn child.

Bronchitis In Pregnancy - Facts To Help You Deal With It

Abhishek is an ex-bronchitis sufferer and he has got some great tips for Bronchitis Treatment! Download his FREE 100 Pages Ebook, "How To Win Your War Against Bronchitis" from his website http://www.Health-Whiz.com/797/index.htm. Only limited Free Copies available.

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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 0,000-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

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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.

Do You Know About The Most Popular Real Estate Scams?

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.
Do You Know About The Most Popular Real Estate Scams?
For more information on real estate [http://www.1st-real-estate.com] visit [http://www.1st-real-estate.com]

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Excess Vaginal Wetness - All You Need To Know

Many women and their male partners have a lot of questions on excess vaginal wetness...and usually during intimate relations.

What is normal wetness and what can you do about excess vaginal wetness? ..Read on and find out.

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It is quite normal for a woman's vagina to be generally moist Additionally, mucus is produced by the woman's cervix all through her monthly cycle, and the nature of that mucus changes in response to her body's hormone production.

Excess Vaginal Wetness - All You Need To Know

These secretions can be more or less, can taste from sweet to salty to sour, and changes from thin to thicker mucus as well.

Every woman should know herself, and how her daily secretions are, and if indeed there is excess vaginal wetness.

However, in times of sexual stimulation, especially during the arousal phase, veins in the woman's pelvis, vulva, and clitoris will begin to dilate and fill with blood.

This will gradually making the whole area feel flushed (known as vasocongestion). Now in the vagina, this swelling stimulates a kind of sweating, and produces a fluid that moistens the vaginal lips. This secretion will also moisten the entrance to the woman's vagina, facilitating penetration.

In case your partner performs oral sex on you, the fluids you will feel will be both, as some normal woman-mucus and the excretion from sexual excitement.

Too Much or Not Enough?

It is a fact that too much wetness during sex reduces pleasure for both partners.

Women will lose greater stimulation along the vaginal walls, while men wont feel the 'tight' sensation almost all men love.

If a woman does not have enough wetness, then intercourse is painful for her and her partner, and thus unenjoyable.

There may be a medical reason why the woman is too wet, so she should see your doctor to be sure there is no infection, abnormalities, or other problem causing your excess wetness.

What to Do If There is Too Much Wetness?

There are a few practical solutions, and some work for some women, some do not for others. So if there is the problem of excess vaginal wetness, try one or more of the following solutions:

1. Try an antihistamine. This is in the over-the-counter cold remedies. This usually works, but use the ones that do not make your drowsy, unless you wish to be.

2. Have a drink or two before sex.

3. If it is allowed in your area, smoke before sex, and this can be cigarettes or something similar.

4. Try a vaginal irrigation before sex with plain cold water.

5. During sex, place a towel under the woman, and have a clean cloth or sponge ready. Try the simple blotting technique, and it will take up a great deal of the outside discharge.

6. Put the lady on her side during sex or try the doggy position...and this normally reverse the flow of sweat and mucus.

7. Specialty creams. There are some on the market, and must be used at the peril of the couple, as these usually do not work.

8. Change of diet. Often a major change of diet has an effect on such mucus and discharge, and can be beneficial. A vegetarian diet is said to regulate such phenomenon.

The Konov Principle

Whatever method used, it should be realized that there is a happy medium between too little and too much (excessive) vaginal wetness.

A perfect solution to this is to apply the Konov Principle of self-awareness, by drawing your consciousness into the vagina itself, and visualizing the optimum and healthy amount of wetness that is required.

Practice of this exercise is said to increase greatly the awareness of the vagina, and let a natural self-regulation occur.

Excessive vaginal wetness will become normal vaginal wetness.

Excess Vaginal Wetness - All You Need To Know

FOR MORE FREE INFO

on vaginal wetness and other topics on sexual health and optimum health generally and to read hundreds of pages of articles faeatures and downloads visit http://www.net-planet.org.

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A Real Estate Agent Can Find the Right Balance

Are you in the market for a new house? Because of the economy, many homes are listed for very cheap prices. A majority of these homes commanded much higher prices years ago. But, with the rising number of foreclosures, this can be expected. Unfortunately, a lot of people are capitalizing on these discounted homes. If you look hard, there are even some neighbourhoods that are advertising two for one sales because the homes prices are so low.

If you are having a hard time finding a home that suits your needs, let a professional help you. Find a real estate agent that specializes in selling homes in your area. Many of these homes are listed on the internet. However, you will find that if it is listed on the internet, chances are someone has already snatched it up. Depending on the listing, if it is a good one, it won't be long before it is put under contract. A licensed agent will work on your behalf and find the home that has your itemized preferences.

Real Estate

Unfortunately, it is much harder to find these kinds of homes on your own. A licensed agent is a professional who is knowledgeable about what is available in certain sections of town. She can also keep an eye out for any property for sale that becomes available in your chosen location. Remember that your agent can bring a home to your attention before it gets picked by another buyer.

A Real Estate Agent Can Find the Right Balance

The best way to get the home that you want is to tell a trusted real estate professional about all of the things that you are looking for in a home. Depending on your experience with buying homes, you probably understand that you will not get everything that you want in new home. But, your agent can show you plenty of listings that are close to what you want.

You might find that you have to sacrifice on a few of the things that you want in a home. For example, you might find a property for sale with the perfect location, but it does not have the open floor plan that you want. Or, it might not have the amount of land that you want. However, a good real estate agent knows how to work within your budget and get you an ideal property. Just remember that many times when you are shown properties, the agent is trying to get a feel for the kind of property that you really want.

Sometimes home buyers say they that they have to specific home features. But, they realize that they are not able to get those features due to location, the home price or some other important factor. Your real estate professional knows how to take all of these factors into account and find you the home that is most suitable for your current budget and preferences.

All in all, purchasing a home is a learning process. A lot of times you do not really know what you want until you have seen a few homes. Most people begin their search on the internet and then move on and utilize the services of a licensed real estate agent. This is the best way to find the home that is most suitable for you and your family.

A Real Estate Agent Can Find the Right Balance

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