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While there are many marketing debates around what constitutes marketing success, there is very little debate around why marketing fails. Lets take a brief look at five things that are guaranteed to cripple your marketing efforts, and budget.

1) Don't Define what you want Marketing to Achieve.

This is the number one pitfall of nearly all marketing campaigns. You are guaranteed to fail if you don't decide up front what you want the campaign to do for you. You'll get side-tracked, pulled off course by the creative team and/or achieve something completely unintended (positive or negative). Without formulating your critical success factors for the marketing initiative you will never be able to measure success/failure or degrees thereof - everything will be outside your control as you constantly grapple for straws.

2) Try to Please Everyone.

By trying to be all things to all people you are fairly likely to appeal to no-one. This is the one area of marketing where less is definitely more. Focus small and own that market, rather than trying to attract every one and having your campaigns so broad and generic that they lose their message and appeal in the process.

3) Communicate too Little or too Much.

There is definitely constant conflict over how much to say and when. In a nutshell, short copy is great if you have a lot of products and/or services you need communicated in one message. Long copy is best if you have one product/service and you want to communicate your unique brand offering in a way that takes the reader through a sales process. Even in long copy though, you need to determine no more than three key benefits of your product/service and reinforce these over and over again so that the message comes through clearly. By saying too little you won't have grabbed, by sending too many messages you'll confuse. The key is to say little and reinforce often.

4) Not Understanding the Target Market.

Market research is one of those highly specialized areas that often confuse the practical marketer, but this area is ignored at your peril. Investing time and resources in getting into the minds of your selected target market will be repaid ten-fold. The research does not have to be complicated or outsourced. In house data mining, Customer Relationship Management (CRM) data analysis, discussions with your sales force or focus groups with some of your customers are all cost effective options that will provide valuable insight. If you haven't done something to better understand your customers in the last 3 months then it's time to block off an afternoon to invest in your future.

5) No time to think - just do!

This is one area that is becoming a chronic sickness in all marketing efforts. Marketing personnel are spending less time with their feet up on the desk thinking (if they ever did it to start with) and more and more time running around doing, un-doing and re-doing. We need to find a way to do less but do it better. By working on fewer campaigns but investing focused time and energy towards their effectiveness, we will achieve more and do so with less stress and more fun!

If you can avoid just one of these five pitfalls this year, you will have done well.

Dianne Perrett is an international marketing consultant who is passionate about getting the basics of marketing right, irrespective of the size of the organisation.Live Mortgage Leads
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Earlier, in Part One and Two, we talked about the principles and concepts of creating money and that leads to vast wealth. As a refresher, here are the topics again:

1.Knowing Value
2.Practicing Conservatism
3.Paying Yourself First and we touched upon,
4.LEVERAGE and REINVESTMENT

LEVERAGE

Now, I am are going to talk about Number 4., so lets proceed.

Like a lever that can move large masses very easily and accomplish more in less time, so you too can create wealth faster with leverage than with savings and the practicing of conservatism. Conservatism is not wasting what you have.

Working for an hourly wage is not going to make you wealthy and practicing conservatism would just keep you going on and make ends meet and perhaps live very well. However, you will not amass great wealth.

For that, you need to create leverage. Leverage is the art or technique you can use to create or formulate a system whereby youll generate MULTIPLE STREAMS OF INCOME by earning a portion of the revenues generated from projects.

A good example might be as follows:

You wrote a book, and negotiated with your publisher who thinks you have a No. 1 best seller on our hands. He accepts all the risks and finances the publishing of the book and market it on the premise that you collect 10% from gross sales. Whether it is a winner or not, you get your 10% of the gross sales according to contract and all you did was wrote the book. This is a form of leverage. The money you earn from this could well be several times more than youll earn in a whole year. This is the power of leverage.

Another example: You created a machine or product -- physical or chemical- like a shampoo spray, bathroom cleaner etc., and you arranged with a manufacturer to make it in large quantities and then distribute it to thousands of distributors throughout the countryor the world. Your take in this, like before is, say 1 to 5 percentage of the revenues. By now you can see how easy you can become a multi millionaire from these types of leverage techniques. Youll never have to work another day in your life if you set up a system like this for yourself. You can learn a new craft, trade, use your inherent talent to create products and services for sale and you will surely come up with a winner if you keep at it.

In a minute Ill show you how you can set one up for yourself with a little effort on your part. You do not have to create a vehicle to financial success, one is already created for you. All you will have to do is make it work. Well show you how, every step of the way.

This is the real secret to creating great wealth money to burn etc., or whatever you want to call it. The secret is to put little effort to gain the most output. Youll learn how to invest in several projects and youll see how 20% of your investment will generate 80% profits for you. You work smart, not hard. Work less. Make more.

REINVESTMENT PROGRAM

Now, suppose that you have created a product or service using this leverage system. And, your money in the bank is generating interest upon interest compounded daily, quarterly and yearly. Soon, youll have a tax problem. You are earning too much money and Uncle Sam will want his share. You will now have to scratch your head to lower your taxes. Your income will soar to the moon and you will have to seek tax shelter and occupy yourself with protecting your income.

To combat this problem, you will have to find new investment vehicles that will protect your income for many years to come. You will be looking at long term investment funds, Trust funds, Equity Protection funds, reverse mortgages, treasury bonds, gold, silver, and other precious metals, re-investment in large a shopping centers, antiques, art collection and more, just that you protect your current and future income.

But, however you cut it, you will still have to pay Uncle Sam some of it by employing legal Tax Avoidance strategies, despite the creative tax accounting that you may employ.

But, all in all, it is better to have all this money available to live an abundant life and pay Uncle Sam his share, than have to pinch pennies to live and end up in poverty. One millionaire I know said that he could never use all the money he has accumulated, but it is nice to know that it is there if you need it.

So brace yourself, and get ready to put this LEVERAGE vehicle that is already set for you to achieve all the financial outcomes we described above. Youll enjoy the thrill and the ride.

The Faster you start the quicker youll be looking to start a reinvestment program as described here. But, by then, who cares, when you have vaults of money that keeps piling up.

Click the link below and take a tour to a wonderful world of wealth and prosperity.

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Unlike other forms of football, rugby can be usefully viewed as a succession of prolonged physical engagements, either between individual players or between groups of players. Each of these engagements demands the exercise of substantial physical strength. While basic strength training should form the foundation for such engagements, there should also be a focus on developing explosive strength appropriate to the particular activity.

During the extended periods when players are physically contesting with their opposing counterparts they are continually subjected to loading substantially greater than their own body weight. And, because that added resistance is live, there is often the problem of overcoming not only inertia but also counter force triggered by an initiating movement

In modern rugby considerable attention is given to fitness and aerobic conditioning as well as basic weight training, but there is very limited focus on the development of activity-specific explosive strength. This is despite the fact that an ability to very rapidly generate force can yield a competitive advantage in each of the areas of physical engagement in rugby:

Scrum and maul In the scrum or maul situation it is very difficult to shunt the opposing pack backward unless there is synchronised explosive activity. If a pack begins to move forward slowly or if just one or a couple of players attempt to initiate a shove, they are unlikely to be able to overcome the inertia of the opposing pack's body mass. In addition, the attempted drive forward will almost certainly trigger an almost immediate counter-shove. On the other hand if a pack suddenly and explosively begins to drive forward as a synchronised, coordinated unit, they are likely to be able to generate momentum and place their opponents on the back foot.

The key elements are that each of the forwards possess basic strength and a capacity to rapidly generate force. However, it is essential that their movements be synchronized. If any of these elements of strength, explosiveness and synchronicity are lacking the attempt is likely to prove futile or even counterproductive.

Tackle In a tackle situation there is great advantage in forcing the opponent, whether ball-carrier or tackler, back from the line of engagement. In order to do this effectively, the action has to be both powerful and virtually instantaneous.

In addition, ball-carriers with explosive leg drive are often able to brush past attempted tackles, while tacklers with similar attributes can forcefully secure the ball-carrier and take him to ground.

Ruck At the breakdown of play following a tackle the ability to push back or "clean out" opposing players from the ruck offers opportunities to win the contest for the ball or at least put the opposing team in a disadvantageous situation. The only effective way to win the breakdown contest is to apply very considerable force in an explosive manner.

Lineout The outcome of the lineout contest is largely dependent on how high the jumper can ascend, but also on how rapidly he can reach that point. This requires not only a very good vertical leap by the jumper, but also the ability of his support players to forcefully elevate him. Both jumping and lifting require specific forms of explosive strength.

When forward packs are evenly matched in strength and technique, and defensive techniques are well-coordinated, a game of rugby can often become a war of attrition, with teams attempting to wear one another down over the course of the game. It is very difficult to maintain concentration and alertness throughout an 80-minute game, and a capacity for explosive action allows the exploitation of fatigue and inattention. It provides surprise and unpredictability, while limiting the possibility of appropriate reaction.

Strength training for rugby should always be grounded on a solid foundation of basic strength; but coaches who are seeking to gain a sustainable competitive edge would do well to incorporate a comprehensive program of activity-specific training for explosive strength.

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What is the difference between God and a Doctor? God doesnt think that he is a doctor. How do you tell the difference between a Doctor and a banana? If the banana doesnt go rotten in 14 days then it isnt a doctor. According to your doctor asthma is incurable, or as your Doctor learned after 8 years in University envying the number of women chasing the quarterback, who your Doctor in a jealous and drunken rage referred to in his secret diary as a hairy Neanderthal, asthma is a chronic (permanent) inflammatory condition of the lungs. The medical schools and the big drug companies and the big corporate executives have pawned off this deadly myth for so long that now even they believe it.

20 million Americans suffer from asthma. Does this mean that we should lay the blame for asthma on our creator? Did God not know how to create a functioning lung? Are we just prototypes in Gods vast laboratory? Perhaps without inhalers all of the asthmatics would die off and then the human gene pool would be freed from this genetic defect and then future generations would evolve into a species with perfectly functioning bronchial tubes. In the interest of future generations perhaps you should throw out your puffer and just choke to death sacrificing your life for the common good. This may get you into heaven in case you forgot to put your $5 into the collection plate last Sunday. Did Jesus have asthma? Did Jesus ever cure an asthmatic? Did Jesus know that asthma was incurable? Did Jesus go to medical school? Did Jesus play football? Was Mary Magdalene a cheerleader for the Jerusalem University Keepahs?

The reasons that the environmental organizations are going nowhere are myriad. One of them is that the word environmental is a combination of the words enviro and mental. No one knows what the word enviro means which leaves us with the word mental. People just think that these people are mental. George Bushs father referred to them as the spotted owl crowd. His son George proclaimed that there is no evidence that global warming exists. Jesus referred to the leaders of his day as snakes, blind guides, leading us all into the fire. The United States which likes to think of itself as the role model for a world which thinks of the U.S. as the black sheep of the family is the highest per capita polluter in the world. The reason that pollution groups are going nowhere is because people dont understand the meaning of the word pollution. The world is like a giant Jonestown filled with people believing that poison cannot kill them because some Bible writers, scribes, and who Jesus referred to as snakes spewing their deadly poisonous lies into your Bibles (Matthew 23) wrote this baloney in your Bible 2,000 years ago beside The Earth does not move and it never will three times. If God wrote your Bible then not only can he not create a functioning lung but he is also very poor at astronomy. Your Bible has 2,000 pages of Gods Word and no cure for asthma? Perhaps if the George Bushes had paid a little less attention to their Holy Bibles and checked out the Greenpeace website a couple of times, Greenland, Antarctica and the Arctic would not now be melting into the worlds 1 ocean which will shortly cause the sea level to rise 50 feet leaving nothing left of the United States except the peaks of Vail, which will be prime beachfront property.

In the Holy Bible God commands the cutting away of the foreskin, not the foresight. An ounce of prevention is worth a pound of cure especially when there is no cure for asthma. The pollution, the particles of poison in the air which we breathe into our lungs, like deadly airborne cyanide, hemlock and snake venom gets into your lungs when you breathe the air, it inflames your lungs and you have asthma. If you want to get away with poisoning childrens lungs with deadly poison chemicals so that they cannot breathe then give your poison a name that no one understands, like a carcinogen, a cancer causing chemical coming out of the exhaust pipe of your car like a bullet which hits its target and then explodes 10 years later in your own lungs and then slowly eats you alive in an excruciating prolonged death. It was announced yesterday that in Beijing, the site of the next Olympics, where the smog is so bad that more car accidents are caused by low visibility than msg, over 100,000 Chinese people died last year from the indoor air pollution in their skyscrapers from the chemicals gassing off from their carpets, furniture, and poor ventilation. Who would want to open a window in Beijing even if the office buildings did have windows? The air in Beijing is so filled with poison gas that the 100 yard dash at the 2008 Olympics has been shortened to 10 yards. What is the big deal searching for a cure for Aids in Africa? If everyone remained a virgin and then only had sex with their spouse there would be no sexually transmitted diseases. Is this a secret being deliberately held from the African people? You cannot break the laws of nature but if you do it will break your back.

Mold is a fungus, a tiny airborne animal that can only be seen when magnified through the lens of a microscope. Some molds exist in nature and we breathe it in all the time in small amounts and our bodies can handle it. However in larger amounts, or in people with immune systems weakened by all of the poison we breathe in every day, these molds which we breathe in, that multiply in our lungs and digestive tracts, these molds cause allergic reactions, aka tightening of the airways, aka chronic asthma, chronic bronchitis and chronic emphysema leading to death. The end of chapter 14 of the Book of Leviticus recommends that in some cases when these molds get into the wooden walls and stones of your house, you must tear down your house and rebuild it.

Doctors, i.e. allopathic doctors will treat the symptoms of your asthma and not the causes. Allergists will diagnose you with mold allergies and inject you with mold for 5 years of useless and painful treatment. Respiratory specialists will give you cortisone inhalers which cause thrush, candida, yeast, mold, fungus in your throat which your bloodstream then carries to every organ in your body including your lungs thereby aggravating the problem and making the doctors and the drug companies rich. Jesus commanded that everyone sell all of their possessions and then give all of their money to the poor. Are there any Christian doctors? Are there any Christians?

Here is the good news. Go to your naturopathic doctor, your doctor of naturopathy. Take the best from what both traditional and naturopathic doctors have to offer. Actually naturopathic doctors should be called traditional doctors since they are the doctors who are using herbal remedies which have been used and are tried and true since before biblical times, which are recommended in the Bible. In the numerous cases of asthma which are caused by breathing in airborne mold, there is a herbal remedy which can cure it. Oil of oregano has been clinically proven to kill bacterial infections which penicillin cannot kill, viruses which nothing can kill, molds, yeast and fungus. Many drugs are synthetic preparations of herbal remedies, plant medicine put on earth by God to save your life. Oil of oregano with sage and cumin taken in capsules will kill off the mold, and remove the root cause of the asthma, tiny animals eating their way through your lungs like they eat through wood and stone no matter how much you clean the surface. Your bloodstream will take the Oregacyn capsules (oil of oregano, sage and cumin search oregacyn) which you can buy over the internet or in your health food store to every part of your body including your lungs and kill the mold and cure the asthma. It is also good to take non dairy acidophilus, the healthy bacteria in our bodies which beats back the mold, and NutriBiotic grapefruit seed extract tablets which also kill the fungus. Years ago Doctors accused the naturopaths of practicing voodoo medicine and the Government threatened to ban herbal remedies as being unsafe. (Some are unsafe. Check with your naturopath and your doctor and your health food stores to see which ones.) Today many drug stores look more like health food stores than drugstores. In the fight for power, control and money in medicine and in religion, it is always the patient who ends up the big loser. If the 200 countries on Earth decided to make World Peace they could do it overnight at the United Nations. Unfortunately your Holy Bibles and your religious leaders forbid it. Also, the weapons manufacturers own and are pulling the strings of the politicians, and they will never allow World Peace, until nuclear world war III causes the extinction of all life on earth forever in the near future, which will also put an end to asthma once and for all. Think of it as radiology theology coming to your rescue.

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Home acts as a shelter for us. We look forward to going back home after a long days work. But our home does more than that for us. In situations where we need money to fulfill our requirements, our home only helps us and saves us from the adverse effect of situations. How? With the help of secured home loan, we can fulfill our needs and desires.

A secured home loan can be used for any purpose of the borrower like debt consolidation, home improvement, car purchase, wedding expenses, an exotic vacation, etc.

The equity in the home backs all the repayments of the loan. The home acts as an asset that is pledged as security with the lender. It works like an assurance to the lender that his money will be repaid to him.

Depending upon the equity in the collateral, an amount ranging from 5000 to 75000 can be borrowed. The loan has to be repaid in a term of 5-25 years. The rate of interest that is charged on secured home loan is very low due to the attachment of collateral to the loan. This way, a long repayment term coupled with a low rate of interest makes the repayment of secured home loan very comfortable as the monthly payments are small.

Since a security is attached to the loan, the borrowers who possess a bad credit history can also avail secured home loan. This is so because the security assures lenders about the retrieval of the loan money. Bad creditors are offered a higher rate as compared to good creditors but the presence of collateral also has a sobering effect on the rate offered.

Online search for a secured home loan can prove to be advantageous to the borrower. A good deal can be obtained by comparison of the numerous deals available online. Also, it helps in faster approval of the secured home loan and saves the time of the borrower.

Secured home loan helps borrowers in actualizing the potential that is vested in the home in the time of need. Therefore it proves to be an appropriate choice to make.

Aldrich Chappel has been associated with Find Secured Loan, since its inception. Having completed his Masters in Finance from Lancaster University Management School, he undertook to provide useful advice through his articles that have been found very useful by the residents of the UK. To find ASecured home loan, secured loan, secured loan uk, secured personal loan, bad credit secured loan, poor credit secured loan, online secured loan visit http://www.findsecuredloan.co.ukLive Mortgage Leads
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Jack and Mary were desperate. Mary received a big promotion in another state and Jack was looking for a new job in the same city. It was just too good to pass up. Mary was a rising star in the health care industry and with the huge pay boost and promotion it was a job she had dreamed of ever since leaving graduate school armed with her MBA. Jack was a natural born salesperson and could work anywhere selling just about anything. He liked high tech sales in the high ticket electronics field and was close to catching on with a company in the same city as Marys new job. One problem, they had a large house to sell in a very slow and slumping real estate market.

Jack and Mary counseled with the local real estate ace that had long been the resident expert Realtor for their community. They had been in their home for six years and with the past real estate surge they had lots of equity now. Because this was happening so fast, Mary moved to a small apartment near her new job. The relocation price offered by the company was way too low for what they felt they could command in the market. This option was rejected. With ongoing brain storming with Tyler the Realtor, the scenarios included, lease options, lease purchase, and a seller held second. The lease scenarios would be the iffiest of the three. Jack and Mary instructed Tyler to hold the price and offer to pay the selling Realtor a selling fee plus a bonus of $2,500 and agreed to pay the closing costs and prepaid expenses (pre-paid interest, tax and insurance escrows) up to an offered $14,000. Likewise, Tyler was instructed to offer through the MLS selling terms to include a seller held second of 5% to 10% of the purchase price. The list price of $475,000 would mean that the Jack and Mary were willing to hold a second mortgage of 5% Loan To Value (LTV) or $475,000 x 5% = $23,750 or 10% LTV at $475,000 x 10% = $47,500.

Tyler, the listing Realtor, had been in discussion with a mortgage broker active in their area and had some clients that could only get a 90% to 95% LTV first mortgage. They had some credit dings, which were holding them back. Each had fully documented income and was making good money. There were valid reasons for their rocky credit history and both needed time to rebuild their credit. Tyler showed the home to both the prospective buyers who had credit challenges. The first couple didnt like the kitchen layout or the back yard size. The second couple liked the house and had similar reservations but with the flexible financing they figured they could live with it and make changes and improvements down the road when they could refinance down the road and get sufficient monies to do some home improvements.

Jack had closed up the house and had moved with the furniture in tow to join Mary at her new location. The furniture was put into storage in hopes that it wouldnt be there long with Realtor Tyler on the case. Jack had been actively working on his job hunt in the new city for two weeks now. Tyler was now on the phone presenting the offer from the buyers who needed seller help. The buyers would need Jack and Mary to pay $15,000 in closing costs and prepaid expenses. Tyler was making the deal himself so there was no bonus involved. The offer was based on a seller held second mortgage of $47,500 with an interest rate of 10% with a 30-year term and a three-year balloon. The payments would be $416.85/month. At closing, Jack and Mary would payoff their first mortgage of $200,000 and would get somewhere around $188,000 in cash at closing and the seller held second of $47,500.00 paying $416.85/month. Tyler went on to explain that the buyers were putting very little of their own money in the deal and explained the downside risk involved if the buyers defaulted. The only way they could protect their 2nd mortgage equity would be to buy in the first mortgage or just take the loss. Tyler and the mortgage broker, with the buyers permission, indicated that Jack and Mary were in essence underwriting the 2nd mortgage loan on part of the buyers. It was up to them to pass or deny.

On weekends Jack and Mary were looking at new homes, which might meet their needs. One in particular, due to the soft market, the builder was offering major concessions and sales inducements including paying all the closing costs and prepaid expenses. With potentially $180,000 cash available for any purchase they were looking at a builder deal loaded with incentives for a home worth $750,000, which they could now buy for $650,000. The nagging fear was what would happen if the 2nd mortgage payer defaulted. Since, it was up to Jack and Mary to pass on the buyers credit worthiness, with the buyers permission, they went over their entire credit package and personally interviewed them on the phone to find out something of the character of the buyers and the back ground of the of how the credit dings had taken place. It turns out it was a temporary medical problem that had put them behind the eight ball and precipitated their credit dings. Jack and Mary decided to take the deal. Since the buyers had been already pre-qualified, the sale took place in two weeks.

Jack and Mary, with closing funds in hand, closed moved into their new home. Six months had passed and the buyers of their prior residence had made their second mortgage payments on time as agreed. The home had everything they wanted in a home except a pool and spa. The dilemma for Jack and Mary, even though they had got an incredible interest rate in the soft market they were reluctant to incur any additional debt with the 2nd mortgage paying off in now 2.5 years. Jack received a letter in the mail from an investment note buyer who was offering to buy the note at a discount since the note now has some seasoning. Running the math, with the investor getting a 15%+ yield on a 10% face rate ballooning in the next 30 months were offering to buy the note for $42,900 cash. Just for grins, Jack being the super salesman and dealmaker had been working on construction quotes with a pool contractor. He had managed to negotiate a $5,000 reduction and could put everything they wanted for $40,000. Pool contractors were slow right along with the rest of the real estate market. Jack and Mary showed the documentation to the note buyer that indicated six months of on time payments together with copies of the note and mortgage. The note was sold netting out $42,000 in cash. The pool was built the following week. Life was good.

Soft markets can lead to flexible terms which can help complete real estate deals. Keep and open mind. There is more than one way to skin areal estate deal.

Dale Rogers
http://www.sellerhelpsbuyer.com
http://www.brokencredit.com

Dale Rogers is a thirty-year mortgage veteran and frequent contributor to the Broken Credit Blog. The BCB is a free website created to assist the general public with information about credit repair and responsible mortgage lending.Live Mortgage Leads
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If you are involved in real estate, you know that no matter how simple the deal is, you will be tasked to prepare several documents, all of which are integral to its successful completion. If you miss out on one or a couple of the necessary supporting papers, your real estate transaction could be delayed, or worse, be rendered void. Even if it is time consuming and tedious, you really have to spend time poring over these papers, making sure that everything is in order and nothing is missing.

However, securing all the right papers is not that easy. To complete one real estate transaction, several forms are required and, if you are not that familiar with the business, you will, most likely get mixed up. You can ask professional real estate agents to help you complete all the necessary requirements, but they may ask that they be paid a professional fee for their services. Aside from the additional financial cost this will entail, you will have to adjust according to their schedule. If you are under time constraints, you also cannot afford to waste precious moments setting up meetings and schedules. If you are burdened with these conditions, it may be best if you did things on your own.

If you decide to attend to your real estate related business on your own, you dont have to be overly afraid of missing out on the documents you need. There are websites that have been established with the aim of assisting consumers who opt to handle their real estate transactions themselves. These sites not only give valuable tips and information on how to properly market and sell their properties, they are also sources of all the necessary forms and documents needed in all kinds of real estate related arrangements.

To further aid the ordinary consumer, some of these real estate related websites have gone the extra mile by first categorizing all the documents according to what transaction these are for (selling, leasing, etc), then these forms are then further listed based on importance or popularity. Through this process, even the greenest of consumers will not find it difficult to select the forms they need.

If the form you need is not amongst the top ten or fifteen documents on the whats hot list, there are specific tabs which one can click and the full listing of all the pertinent real estate documents will then be shown.

If you are still wary about conducting your real estate business on your own, prior to any marketing activity, make initial consultations with a real estate officer or a lawyer. During this meeting, ask them what the standard procedures are and take note of these. Ask as much questions as you would like, and clarify what forms you will need and what these are for. Once you have all the details you need, you can now proceed with your business with caution. Just before the end of your real estate business, you can opt to verify the accuracy of all the information you have written on these forms. Bring drafts to the real estate agent or your lawyer and have them checked. When he gives you the go signal, you can then finalize all the details.

The availability of legal real estate forms on the internet allows you to minimize your contact with professionals, who normally charge clients by the hour.

Gloria Smith, a former licensed Real Estate Agent owns, runs and created LegalHomeForms.com, a website that was designed to offer consumers instant access to the most sought after types of real estate documents. The cost having instant access to over 60 downloadable real estate forms is roughly the same as what you would normally pay a professional to create one document for you. For a full listing of real estate forms, visit: http://www.legalhomeforms.com/list.htm.Live Mortgage Leads
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The worst thing about buying a home with bad credit isn't that it is that difficult. It is the fees and interest rates you'll have to pay for your home mortgage loan. Use the following techniques to repair that credit and so lower the rates you'll pay. If you can't take the time to do that, see part two for some other options.

Buying A Home With Bad Credit - Part One

If you have the time to do it, you can fix that bad credit, at least a little. This will not only make it easier to find a lender, but also get you a lower rate. Pay 2% less on that mortgage loan interest rate and you'll save more than $70,000 in interest over the years (based on a 30-year $140,000 loan). Here are some ways to fix that bad credit report.

First, see what's on it. To get access for free online, try a search for "free credit report." If you are denied credit based on a report from a local credit reporting agency, you can request a free credit report from that agency within 30 days. How do you fix what you see on the report?

If there is anything to dispute in the report, write a letter to the agency. Explain exactly what is incorrect, and they must investigate. Send copies of canceled checks or any other documentation by certified mail.

The agency has to (by law) contact the source of the disputed information. If they don't receive confirmation of the debt within 14 days, they have to delete the item, and send you an updated report. You can also demand that they send a corrected report to all creditors who received your credit report in the previous six months. This won't be done automatically, so be sure to demand it.

If the item is under $500, or over a year old, creditors often won't bother to respond. Thus, "fixing" a credit report is possible even if it is correct to begin with. You also have the right to dispute the item again after 30 days.

Longer-term, there are other things you can do to fix your bad credit. Stop charging things on credit cards. Don't have more than five credit cards. Keep balances to less than half the limits on the cards, even if this means transferring debt from one card to another. Stop making your credit score worse, and time alone will help (many items will be removed after seven years).

Buying A Home With Bad Credit - Part Two

Buying a home with bad credit doesn't mean you have to accept the high interest rates and fees of sub-prime lenders. You can buy a house in other ways. Here are some of them.

- Seller financing. Some sellers are willing to provide the financing for you to buy their home. Whether in the form of a "contract for sale" or an owner-carried mortgage, you may be able to make payments to the seller instead of the bank - and with no lending fees and lower interest.

- Lease option. If down payment is an issue, look for sellers willing to lease their house to you with an option to buy. Be sure that a portion of the lease payment applies towards the down payment for the home, and that you have enough time to prepare for the purchase. If, for example, only $200 of the rent applies towards the down payment, after two years you'll have just a $4,800 credit. Will that be enough? Will two years be enough time to correct your credit and save any additional money you'll need?

- Get creative. There are many creative ways to buy a home. In one case I know of, the landlord was anxious to move, so the buyer offered him full price and a decent interest rate for him to carry the financing, but with very little down. They closed in the first days of the month, so the small down payment came from the rents that were credited to the buyer. He moved into one of the units the following month.

- Reconsider your "bad credit." Limited income or a new job isn't the same as a bad credit score. Most banks won't even look at the income from your new business, for example, making it seem impossible for new business owners to get a loan. However, these days, banks really look at your credit score. If it is decent, you can get "no doc loans," which require no documentation of income.

You don't even need a job for these loans. A decent credit score - and nothing else - can get you up to 95% financing at many places now. Of course, depending on the credit score, the interest rate can be anywhere from 1/2% to 4% higher than conventional loans. Consider paying even higher interest to get a loan without fees if you will be able to refinance at a lower rate in the next year (perhaps once your new business hits that 2-year mark that bankers like to see).

Fortunately, buying a home with bad credit or even with no provable income, has become easier than ever.

Copyright Steve Gillman. To see a photo of the house we bought for $17,500, and to get a free ebook on How To Save Thousands Buying Your Next Home, visit: http://www.HousesUnderFiftyThousand.com.Voice Broadcasting
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Let me ask you a question. The answer is to the question is critical to your business success.

Do you fully understand the real nature of the business you are in?

Your instant response is of course, I'm in the [put your industry name here] business. For example, you probably said, of course, I'm in the real estate business, or the plumbing business, or the printing business, etc.

But that is only partly correct if you are the owner of the business. As the business owner, the real nature of your business is marketing the business you are in.

You may have the greatest service or the best product in the world, but if no one knows about it, you will soon be out of business.

One method of increasing the exposure of your business to your potential customers, is to conduct a marketing crusade.

You can compare this marketing approach to a missionarys work or the launching of a crusade because only the fervor and the determination of a missionary or crusader will assure your marketing success.

Missionaries are driven by more than just their desire to sell someone on buying their product or service. Rather, a missionarys goal is to convert the world to their way of thinking, their mission and their crusade. Only through such a conversion process can you expect to receive not just a customer, but customers for life.

When your business launches a marketing mission, it takes a different approach than traditional marketing.

Traditional approaches are taken and set aside in favor of our missionary or crusaders goal. In a traditional marketing effort, the real motivation for most marketing activity is just to make money. Thats nice to do, but thats not all we need.

Every marketing effort, at this point, is tied directly back to its contribution to money coming in.

Now, as a missionary, your business goal becomes an effort to win your customers lifetime business and loyalty. If your business marketing activity is successful in changing the way your customers think about your business or products or services in such a way that the customer sees you as a vehicle to accomplish their goal and growth, then your goals and your growth will be a natural result.

As your business manages its sales growth properly, increased profit is going to follow. Immediate profits are nowhere near as important as long-term profits. To insure that youre going to continue to profit for the long-term, your real objective is to convert your prospect into a customer who shares your vision of what youre trying to accomplish and is a true believer.

Vision is a problem with the normal sales approach. There is no vision other than the short-term, which is to make the immediate sale. There is little or no real focus on back-end selling and the life time value of a customer, which well talk more about later on.

What is your vision?

Is your business focused on an area of interest to your customers, prospects or clients?

Are you driven fervently by the need to help them or yourself?

Why should others patronize your business rather than any other business? Or not do anything at all?

What can you do that will not only cause your customers to return again and again, but cause them to tell others to buy your products and services as well?

Can you take that vision and incorporate it with a main sales and marketing thrust, advantage or Unique Selling Proposition and use that for an advantage over your competitors?

A good marketing crusade will integrate all this together and soon have customers coming to you as a result of what Dan Kennedy calls a Magnetic Marketing System. If you were Jiffy Lube, you might call it a well oiled marketing machine.

George Dodge is host of Dan Kennedy's Magnetic Marketing System at http://www.Magnetic-Marketing-System.com where you can discover more than one great idea for small business and get a Free Dan Kennedy Audio CD.Live Mortgage Leads
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The so-called "gulf" between teams from Premiership and those striving to join the elite from the Championship is often noted, especially when teams from their respective divisions clash in Cup competitions.

However, this "gulf" may be nothing more than a fallacy. When the third round of the FA Cup comes around, Championship teams rewarded with a home tie against Premiership opposition often make a mockery of their respective league positions.

Clashes of this nature have not occurred very often during the third round in recent years, although last season, eight matches fell into this category, with the "superior" Premiership teams winning just twice.

Preston @ 2.47 vs West Brom @ 2.56. Result: 0-2
Sunderland @ 2.20 vs Crystal Palace @ 2.86. Result: 2-1
Watford @ 3.11 vs Fulham @ 2.08. Result: 1-1
West Ham @ 2.32 vs Norwich @ 2.72. Result: 1-0
Sheff Utd @ 3.07 vs Aston Villa @ 2.12 Result: 3-1
Cardiff @ 3.45 vs Blackburn @ 1.95. Result: 1-1
Ipswich @ 2.48 vs Bolton @ 2.56. Result: 1-3
Burnley @ 5.69 vs Liverpool @ 1.53. Result: 1-0

If you had backed the home teams at level stakes of 10 you would have made a profit of 52.80. If you had used a betting exchange and laid the Premiership sides with a liability of 10 on each bet, you would have made a profit of 68.76 before commission costs as the draw results would have also resulted in winning bets.

The 2003/04 season produced only two eligible matches in the third round, both of which saw the Premiership sides fail to beat their lower division opposition at the first time of asking.

Watford @ 7.02 vs Chelsea @ 1.40. Result: 2-2
Gillingham @ 3.69 vs Charlton @ 1.86. Result: 3-2

If you had backed the home teams at level stakes of 10 you would have made a profit of 16.90. However, if you had laid the Premiership sides with a liability of 10 on each bet you would have made a profit of 36.63 before commission.

There was only one eligible match in the 2002/03 season which pitted a Championship side at home to Premiership opposition. Wolves beat even money shots Newcastle 3-2 at odds of 3.44.

Unusually, there are no all-Premiership ties in this seasons third round of the FA Cup, but eight Championship sides are hosting Premiership opposition:

Leicester @ 5.50 vs Tottenham @ 1.57
Hull @ 3.60 vs Aston Villa @ 1.90
Ipswich @ 3.20 vs Portsmouth @ 2.10
Luton @ 7.00 vs Liverpool @ 1.40
Millwall @ 4.00 vs Everton @ 1.80
Norwich @ 2.75 vs West Ham @ 2.30
Sheffield Wednesday @ 4.00 vs Charlton @ 1.80
Watford @ 3.40 vs Bolton @ 2.00

All bar one of the Championship sides are available at odds greater than 2/1, although it may prove a better option to lay the Premiership teams in case of drawn matches.

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Investment property refers to any real estate asset, which is Non-Owner Occupied. The key intent of such an investment is the rental income that is accrued from it, along with the appreciation in its value over a period of time. Those who possess the necessary funds often look for profitable investment properties. In order to cut down the initial expense, by lowering the down payment, people usually acquire an investment property mortgage for financing their purchase.

An investment property mortgage refers to a loan or lien on an investment property that has to be paid over a specified period of time. In essence, its a personal guarantee that you would repay the money you have borrowed to purchase your investment property. There are several types of investment property mortgages, each with its unique features, benefits and pitfalls.

Fixed-rate mortgage This is the most prevalent mortgage type because the monthly payments are stable. The interest rate throughout the life of the mortgage is the same as that at the outset. The major benefits of a fixed-rate mortgage are inflation protection and a relatively low risk.

Adjustable-rate mortgage (ARM) This type of investment property mortgage has variable interest rates and monthly payments throughout the life of the mortgage. This scheme is popular because it often starts with lower monthly payments and a lower interest rate. The interest rate, however, can change during the life of the mortgage, which means that your monthly payment would change subsequently. It is imperative that you are aware of the nuances of an adjustable-rate mortgage prior to applying for one.

Balloon/reset mortgage This has monthly mortgage payments based on a 30-year amortization schedule (mortgage repayment schedule). In general, the borrower has an option to pay off the arrears or reset the mortgage at the end of a 5-year or 7-year term. Therefore, this investment property mortgage type offers the advantage of a low payment but the mortgage must be completely paid at the end of the specified term.

Investment property mortgage can be availed on several property types, such as an apartment, a condo, any commercial property, or a plot. It can be acquired from leading banks and financial institutions, which typically verify your credentials (income source, savings and credit score) prior to offering mortgage. Selecting an investment property mortgage is as crucial as selecting a property. Therefore, decide on what amount of interest and monthly payments you are capable to mete out, and then select a mortgage accordingly.

Copyright © 2006 Joel Teo. All rights reserved. (You may publish this article in its entirety with the following author's information with live links only.)

Joel Teo writes on various financial topics relating to Ahwatukee Real Estate Investment. Signup for his free online Real Estate Investing newsletter today and gain access to the Six Day Real Estate Investment Profits Course now at http://www.realestateinvestment101.info/Ahwatukee.htmlLive Mortgage Leads
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The voluntary Model Green Home Building Guidelines are designed to move environmentally friendly home building concepts further into the mainstream marketplace. Currently, there are approximately thirty communities throughout the U.S. that have green home building programs in place or in development. By developing the set of voluntary national guidelines, NAHB intends to help facilitate the adoption of green home building practices and the formation of additional local programs in the parts of the country not currently served by programs.

In the spring of 2003, NAHB approved a resolution supporting green building. In response to NAHB members requests to provide the membership with technical guidance to support the new green building policy, NAHB tasked the NAHB Research Center to manage a project to develop national green home building guidelines.

The NAHB Research Center worked together in an open, public process with over 60 Stakeholder Group members from the home building industry to create those guidelines. The guidelines contain six primary sections:

Lot Preparation and Design - With lot preparation and design, the builder has opportunities to demonstrate environmentally sensible construction practices. Even before the foundation is poured, careful planning can reduce the homes impact on vegetation, soil, water, plus a homes long-term performance can be enhanced. Such preparation can provide significant value to the homeowner, the environment, and the community. Included for the end user, especially developers, is a Site Planning Appendix that closely mirrors this section and provides additional guidance.

Resource Efficiency This section shows how certain framing techniques and home designs can effectively optimize the use of building materials. Construction waste management concepts are also discussed. In addition, information is provided on how a homes durability and the amount of time and money needed for maintenance are affected by how certain materials are used.

Energy Efficiency This is the most quantifiable aspect of green building. The information on this section will help a builder create a building envelope and incorporate energy efficient mechanical systems, appliances, and lighting into a home that will yield long-term utility bill cost savings and increased comfort for the homeowner. It contains the only requirements to participate in this voluntary program: compliance with the 2003 International Energy Conservation Code, use of ACCA manuals to size HVAC equipment, and 3rd party plan review to verify compliance with the section.

Water Efficiency/Conservation Although, the relative importance of water availability and usage varies from region to region, the concern with adequate supply of water is becoming more widespread geographically. Experience also shows that employing the line items from this section of the guidelines for indoor and outdoor water use can decrease a homeowners need for water and thus reduce utility bills, regardless of location.

Occupancy Comfort and Indoor Environmental Quality Details in this part of the guidelines will indicate how to effectively manage moisture, ventilation, and other issues in order to create a comfortable indoor living environment.

Homeowner Education - Given the level of effort a homebuilder goes through to create a well thought out home system, it would be a shame not to give the homeowner some guidance on how to optimally operate and maintain the house. Line items from this section show a builder how best to educate homeowners on a variety of homeownership matters.

Each section contains a set of provisions that explain how a builder can incorporate green building concepts into a project. In addition, local builders and green building program developers may apply points to the provisions to further define green building through a scoring methodology currently being developed. Local homebuilder associations will be given a user guide that will provide additional information and guidance on ways to customize the guidelines to accommodate local conditions.The draft presented at Fall Board in Columbus, OH was a piloting version for dissemination amongst HBAs and builders for accuracy and practicality. A number of HBAs and High Production Builders have expressed an interest in helping NAHB to pilot test the document. The deadline for pilot testing was December 1st and the final version will be rolled out during the 2005 IBS in January in Orlando, FL. Currently, NAHB staff from the Energy and Green Building Dept. are traveling throughout the country presenting the guidelines to builders and HBAs who have expressed an interest in implementing green building in their respective businesses/communities. To date over 20 HBAs have voiced their interest and support, with many more to follow in the new year.

In summary, the voluntary Model Green Home Building Guidelines are for the mainstream home builders, many of whom are already incorporating some green building methods and materials into their construction practices. These voluntary guidelines will help systematize the green design and construction process and assist the builder toward incorporating more green building features into homes. As NAHB Research Center data indicates that there is a growing number of green homes built annually, it is expected that these voluntary guidelines will help builders meet the needs of this growing market.

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Do you want to sell your home quickly? Perhaps you are moving abroad and want a fast completion on the sale of your property? Maybe you face repossession and need a solution to prevent the mortgage company from taking your home, or you need extra cash to solve a financial problem? Whatever your reason for wanting a fast property sale, the answer to your quandary is the cash buyer.

Cash buyers will buy your property quickly and complete the purchase within one to four weeks of you accepting their purchase offer. In some cases, cash buyers can buy your home within 24 hours! Just imagine - no more worrying about how you are going to pay that mortgage, or where you will find finance for your next house move. Cash buyers are the solution to your quick property sale problems! All you've got to do is find them and entice them to buy your home.

Finding cash buyers

The biggest challenge for homeowners who want to sell their properties quickly is in finding property buyers who can buy their homes without the need for a mortgage or home loan. For most homebuyers a mortgage is essential for the quick purchase of their next house. The loan application process can take 6 - 8 weeks, and sometimes longer. These are not the types of purchasers you want to deal with when you are in need of a fast sale.

Instead, your ideal buyer is a homebuyer, property investor or property developer that has finance already in place and can exchange contracts immediately. They have cash instantly available to buy your home from you direct, without the need to involve a lender in the property transaction.

But where do you find these types of property buyers?

Well, you can ask your local real estate agent if they have cash buyer contacts. Alternatively, you can advertise in the local press. You could even search the Internet using a search engine like Google or Yahoo with a keyword phrase such as 'quick sale property'. This is all very well, and no doubt you will attract some interest. However, if you want to be absolutely sure of securing the sale of your home you need to make the property attractive to the buyer. Here's how

1) Give a full 'estate agent style' description of the property. Just stating that your property has x number of bedrooms and has a garden of size y is not going to make you the sale. Buyers want as much detail on the property as possible. If you want to attract their attention you should really go to town on your property description. Go through your house room by room and describe the features that really 'sell' the house to the buyer. Remember to include room size measurements and mention features like double-glazing, boiler systems and anything else that adds value to your home - especially if it is newly installed.

2) Get the property professionally valued. An official valuation of the property from a local estate agent or surveyor is crucial. You need to state the value of the property in your description if you want to achieve a quick sale.

3) Invite offers at 10% - 20% below the property valuation. To get cash buyers REALLY INTERESTED in your home, set the sale price at some 10% - 20% below the open market valuation for your home. By doing so you are guaranteed a flurry of responses to your request for a quick property sale. Buying property at below market value is the sales hook that will draw the right type of buyer in for your property.

4) Have the property ready to view. Cash buyers generally like to view the properties that they are going to buy ahead of making the purchase. Some cash buyers will buy property in any type of condition. So, if there are unfinished DIY jobs in the house or that extension you started is only half-built, there's no need to worry. Cash buyers - especially those with property development experience or investment experience - may buy your home anyway!

5) Get the property's paperwork together. Collect all paperwork relating to your home including guarantees for work done to the building and information on your mortgage lender. The buyer may wish to inspect these ahead of making an offer to buy your property. If you have all these bits and pieces of information together in one place it will make the process swift and trouble-free.

Selling your home fast is a straightforward process. The buyer will generally make all the arrangements. They can even arrange for a solicitor to act on your behalf for the property sale if you so wish. It really is as easy as 1-2-3.

Seb Jay is owner of ProInfo Marketing - a UK-based company that specialises in quick property sales. If you want to sell your home fast contact Seb Jay at ukproperty@proinfomarketing.net for a no-obligation offer on your property.Voice Broadcasting
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Business is considered the best way to earn your living for most of the people. Unlike jobs, there is nobody to control you as you are the controller. But starting or running a business is not an easy task. As we know that business runs on capital and there must be sufficient flow of capital for a business to function smoothly. A small deficit of capital can lead to big losses. Small business loans are designed to help you avoid such losses through apt cash support whenever you need it.

Small business loans are loans for meeting all your business needs. Whether you want to pay off your creditors or purchase raw materials or buy office space or stationeries, computers, equipments, for transportation purposes or to cater any other need a small business loans serves it all. These loans are easily accessible through online option. In a scenario where no body has enough time to take appointments from numerous loan lenders in the market and meet them, an online option helps borrowers in getting the maximum information in minimum time. Large numbers of online small business loan quotes are available to choose from. To make your life easier, there are online instruments such as comparison tools, debt and repayment calculators and budget planners which could help you get a better understanding of the loan package.

Small business loans offer you money in two forms: one is secured and other one is unsecured. When no collateral is offered to the lender the loan is called as unsecured small business loan. The amount which you can get under this form may be lesser as compared to secured option but it is the best way to support immediate expenses as the approvals are quite faster in absence of collateral valuation. On the other hand if the need is bigger and you need money for longer term, you can rely on a secured small business loan. These loans are easily available to borrowers with a bad credit history or poor credit score.

While considering your loan application a lender will look for your business prospects. You may need to convince the lender that your business will succeed enough to repay the loan on time (when collateral is not there). Along with such information, simply fill in the loan application form with your personal details and requirement and details about your business. The lender will review your application after which he will contact you for further assistance regarding small business loans.

Mary Jones is an expert financial advisor. She has done Masters in Finance from London Business School. To find Small business loans,Payday Loans, Personal Loans, Instant personal loans, Secured Loan, Unsecured Loan visit http://www.loansvalley.co.ukLive Mortgage Leads
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Fifteen years ago, my friends and I wanted to get involved in fantasy sports. We had heard of Rotisserie baseball, the game where you select major leaguers and use their statistics for your own fantasy team. Most of us preferred football over baseball, so we did a little research and decided to create a fantasy football league. Now, we're entering our 16th season, with 20 of the most rabid football nuts anywhere, competing for pride and a small monetary prize each year.

We're not alone, of course. Over 15 million Americans play fantasy football, a game that uses the statistics of professional football players for personal, fantasy teams. During the last decade, this game has erupted, like a volcano. There are hundreds of web sites, dedicated to it. Magazines litter the newsstands in June and July, all dedicated to providing the best information possible about players from the National Football League, as well as offering "expert" prognostication as to which players will benefit your fantasy team the most, based on their performances on the gridiron each Sunday. There are even radio and TV shows, dedicated to discussion of fantasy football and the NFL players that dot each team's roster.

If you know someone who loves football, chances are he or she is part of a fantasy football league. My own participation has initiated a new experience. As a writer, I'm always looking for a new idea, something unique, and fantasy football has given it to me. A work of fiction. For years, while I was busy writing how-to books and articles, I dreamed, as most authors do, of writing the great American novel. When that didn't come, I just wanted something different; something I thought would interest a large audience.

It finally hit me -- a work of fiction, based on fantasy football. It's called The League. Suspense, conspiracy and fantasy football combine for the first-ever published work of fiction that has a back drop of America's favorite game. Here's to a dream come true and a hope that 15 million Americans love The League as much as I do. Learn more about it at www.sportsnovels.com.

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Everyone involved in the sale of real estate has a vested interest in the results of a real estate appraisal. The outcome affects the seller, the buyer, the lender, and even the realtor.

A too low valuation of the property by the appraiser could mean a seller must lower the asking price. For a lending officer, it could mean a lesser commission or none at all. A too high valuation means the buyer could be paying more than the property is worth. For the realtor, his/her commission could go higher or lower, which is based on the purchase/sell price of the real estate.

An appraiser, who should be licensed by the state, performs the real estate appraisal. It is best to hire someone local with years of full-time experience in order to get a more accurate appraisal. The appraiser and appraisal are governed by the minimum standards, published periodically in the Uniform Standard of Professional Appraisal Practice by the Appraisal Foundation. The Foundation is chartered by Congress.

The recent real estate bubble, unfortunately, brought problems for appraisers and many involved in real estate transactions. According to Realty Times in their April 2006 issue, appraisers have been routinely asked by lenders to inflate real estate values to keep up with the ever-rising real estate market. One real estate appraiser in San Diego quit and turned in his license to the state, after being fired three consecutive times for refusing to inflate his valuations. Now, real estate appraisers across the United States are under a microscope from federal financial regulators and Congress.

The real estate appraiser may be hired by the seller to determine an accurate selling price or by the buyer to ensure the accuracy of the purchase price and mortgage; but generally, the lender does the hiring or uses their own in-house appraiser. Though buyers may assume the lender has their best interest, mortgage lenders have their own best interest at the forefront, especially some not-so-scrupulous lending officers who may be targeting a higher commission.

If I were a seller, I would hire my own real estate appraiser to ensure I was getting the most for my property. As a buyer, I would put the money out upfront to hire an independent and objective appraiser with no connection to anyone within the real estate transaction. This ensures that I do not contract for a mortgage, based on an inflated appraisal valuation, that will give me a new home with a lower or negative equity. The lender still may require a different appraiser.

If five different real estate appraisers evaluated the same property within the same timeframe and under the same conditions, it could result in five different and varying real estate valuations. Why? There is no set checklist or established value for each property feature and amenity. Though appraisals are based on prescribed standards, it is a subjective process.

If there is more than one real estate appraisal and they disagree significantly, you have options. If the value is too low for the seller, renovations may raise the value or you can decline to sell. If the lender insists on its appraisers value, which disagrees with your real estate appraisers value, as the buyer you can look for financing elsewhere or decline to purchase the real estate. There also is the option to bring the appraisers together to come to a common agreement on the value.

Remember, the person looking out for your best interest is yourself. Ensure the appraiser in your real estate transaction is reputable, objective with no connections to anyone in the transaction, local and experienced.

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.Live Mortgage Leads
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You dont have to visit exotic places for adventures this summer! New Yorks Southern Adirondack region abounds with fun and excitement. Whether you are an outdoor person, a couch potato or somewhere in-between, this easily accessible resort area has it alland is adding new attractions every year.

The Southern Adirondack region spans northern Saratoga County, to the Green Mountains and north to the heart of a state park the size of the state of Vermont. The shining star of the Adirondack region is the 32-mile long Lake George, known as Queen of the American Lakes. Just north of Lake George, is historic Lake Champlain. Other large waterways include the Hudson River and Great Sacandaga Lake. Besides these, the area boasts literally hundreds of lakes, ponds, and streams. The Champlain Canal is a popular waterway for international boaters. Water lovers have no end of activities in the Lake George region: several water parks--including a new indoor water park opening in February, boating, lake and canal cruises, para-sailing, whitewater rafting and tubing, water-skiing, jet-ski and boat rentals, fishing charters and local fishing derbys, sailing, plus kayaking and canoeing. Boat and canoe launches are located in a number of places on the Hudson River and throughout the region.

For those of you who prefer working on your tan, the Lake George/Lake Luzerne areas have no less than six public beaches: two in Lake George, three in Lake Luzerne, and one in the village of Corinth. Additionally, there is a public beach located at the New York State Forth Lake campground, which also has boat rentals. Local tip: As an added bonus, during July, the secluded Main Beach in Lake Luzerne is located directly across from a youths music camp. At certain times in the afternoons, beach goers are treated to the sound of live chamber music drifting over the water.

If youve had enough of the water, you and the family can always visit the two amusement parks in the area. One is a large, well-known theme park featuring many thrilling rides and popular cartoon characters, as well as seasonal special events. The smaller park, which is tailored more to children, also has rides, but its unique shows are the biggest attraction there: it features a diving horse, bird shows and more. This park retains much of its original 1950s character. Other places of interest include: two haunted houses/wax museums, a UFO museum, several arcades, numerous mini-golf courses, two go-kart tracks, indoor laser tag, paintball, hot air balloon rides, many well-maintained paved bike/rollerblading trails (bike rentals available), indoor roller skating, loads of golf courses--including indoor golf, public tennis courts, there are gyms offering seasonal memberships and theres excellent hiking trails to fire towers, lakes and mountain tops. Whew! Modern life shore can be hectic, pardners

If youve always dreamed of chucking it all and being a cowboy, then grab your hat, partner and saddle up! You dont have to travel out west to feel like a buckaroo. Since the 1940s, the Southern Adirondacks have played host to numerous dude ranches. Although the heyday of the dude ranch has passed, the Old West is currently seeing a revival in the area. Currently, there are two real old-time dude ranches in the area and two more that are a resorts with a dude ranch theme. Root for your favorite cowboy or gal at one of three area rodeos--one, a professional rodeo, and plays to crowds three times weekly. Grab your boots and straddle the saddle on a trusty steed. There are over a half-dozen business offering one to two hour trail rides, as well as dinner rides and riding lessons. If you like horses, but are afraid of riding, hourly carriage rides, hay rides and carriage rentals are also available in the area. Theres even an old-time western theme park, featuring horseback riding and stage coach rides, a petting zoo and a real live Wild West show. Want to dress the part? You can visit several local western stores to outfit yourself in style, and bring home gifts for the kiddies from Native American & western style gift shops in the region. Feeding that cowboy-like appetite youve worked up is no problem, as the region boasts a variety of BBQ and Southwestern style eating establishments.

Speaking of shopping and eating, what better place than the Adirondacks? Here, you can explore unique local Adirondack-themed gift and antique shops in the morning, and browse through dozens of major name-brand discount outlet stores in the afternoon. Want more? Then be sure to stop by the local mall and various shopping centers--the Glens Falls area is host to many popular department stores. What, still not satisfied? There are also flea markets and local auctions. Area auctions run the gamut from antiques to horses and tools, and estates to general merchandise--some country auctions feature all of the above, together under one roof! Auction notices appear every Thursday in the local papers. Art and craft festivals and many town-wide garage sales are also a huge area attraction. After all that shopping and exercise, youre probably wondering about where to go to eat.

The Southern Adirondack region is surprising in its culinary offerings. In the countryside and small towns you can find home-cooking a small family-style restaurants and diners. But it doesnt stop there. International and regional American cuisine can be found here as well. Here, you can find Japanese, Chinese, Italian, American Western/Southwestern, Mexican, Irish, BBQ, gourmet restaurants, Adirondack-themed steak houses, clam bars/seafood/lobster, delis, hot dog stands and fast food chains. One large local grocery store chain just of few miles south of Lake George features a bagel/coffee bar, hot and cold buffet, pizza & subs, fresh chicken and fish dinners, and a sushi bar. It can be a little pricey, but if you are with a group who cant decide what they want, this store is a good bet, and you can eat-in or take out. Local tip: If you are looking for good, very inexpensive dining, and dont mind the atmosphere, try the basement cafeteria at the local hospital. Some of their daily specials frequently include prime rib and roast porkall offered ala carte, so you can mix and match your side dishes, or go with the salad bar. Call ahead for daily special(s) and serving times--just be sure to ask for the cafeteria, as there is more than one eating establishment there.

Theres more than one way to dine in the Adirondacks. For those of you who really want to experience dining out--how about an old-fashioned picnic? There are many fabulous picnic areas in the region. Stop by a deli or grocery store and load up the picnic basket. Some of the more popular areas include: the magnificent Prospect Mountain Memorial Highway in Lake George, the picturesque Washington County Park, just north of Whitehall in Huletts Landing (which also has a beach on Lake George and a tennis court--Local tips: On the way to this park, you will drive by a beaver pond and possibly see an old fire tower. On the way back down, just before you reach the main highway, if the day is clear, you will be able to see the Catskill Mountains--over 150 miles away! Also, before turning off the main road to Huletts Landing, be sure to stop at the lay-by for a broad scenic view of the Champlain Valley and distant hills of Vermonts Green Mountain range. Another, far lesser known great picnic area is in the northern Saratoga County village of Corinth.

This nice little village is located on state Route 9-N, south. Like Lake Luzerne, it also has a beach on the Hudson River--and some wonderful and unique Adirondack gift shops and art galleries and frequently hosts parades and festivals. But the real gem of the village is hidden away across the tracks on Palmer Avenue. This is known by the odd name of Pagenstecker Park. The park was given to the village back in the 1900s by a nationally known paper mill, which, until recently, was the towns major employer. The park is lovely. It features genuine old growth trees--something there are few of in the Adirondacks, wildflowers, a picnic area with covered pavilion, free games--horseshoes, tennis and basketball, plus a playground for the kids. But the most magnificent feature of this park is the view: it sits directly on the edge of the northern-most palisades of the Hudson River, and one can look down the gorge at nearby Palmer Falls. The edge of the cliff is fenced off, but there is a supposedly a trail to a haunted spring at the bottom that was once used by the local Indians. A fall festival is held here annually.

If you like history, youll love the Adirondacks. Forts from the French and Indian (Queen Annes) War and the Revolution were rebuilt and are open to tourists. These include Fort Ticonderoga, Fort William Henry and the Old Fort House Museum in Fort Edward. Additionally, there are archaeological exhibits at Rogers Island in Fort Edward and underwater sites open to divers on Lakes George and Champlain. Drive down NY route 149 between Comstock and Whitehall, and glimpse parts of the original Champlain Canal following the railroad tracks. In Whitehall, you can see the hull of an 1812 war ship, visit the interesting local history museum and splendid Skene Manor, a Victorian mansion perched high atop the cliffs overlooking the town. Back in the city of Glens Falls, theres the areas best history museum and at the NY route 9 bridge leading to South Glens Falls, is Coopers Cave. This is the actual cave featured in James Fennimore Coopers (an ancestor of mine), famous 1826 American novel Last of the Mohicans, in which the intrepid Hawkeye saves his damsel in distress from the savages by hiding in a cave underneath a waterfall.

Besides these attractions, many towns and villages have local history sites and museums. In Lake Luzerne, there are three small museums: a pulp mill museum, a local history museum and a one-room school house. Towns such as Lake George and Corinth also have museums. In Granville, in Washington County, theres the Pember Natural History Museum and a slate museum. Glens Falls houses the world famous Hyde Collection. The paintings and sculptures here are housed together with antique and period furniture in a renovated mansion.

If history seems to tame for you, theres always the night life and cultural events. If you like movies, there is a drive-in theater, a multi-plex and a restaurant/theater. For laughs, visit a local comedy club, or dance the night away at a nightclub, disco or local Adirondack bar. If you love theater, you can find dinner theater and regular stage productions by our resident company. Offered periodically are productions by an amateur theater company in Corinth, and others. Opera is available, and there is even an opera museum. Music festivals are all over the area. In Lake George theres an annual Elvis festival and a jazz festival. In Corinth, you can camp out at the annual Bluegrass Festival. Besides music, theres the huge firemans convention parade in June, as well as Americade--one of the east coasts biggest motorcycle gatherings. If you like art, besides the Hyde Collection, there are many, many art and craft galleries throughout the region. In downtown Glens falls, you can find a casual atmosphere, featuring a brew-pub, sidewalk caf, shopping, coffee house, Saturday farmers market and a jazz club. Local concerts are often held at noon-time in the city park, near the library.

As you can tell, the Southern Adirondacks hold a little something for everyone. They are easily accessible, too. From Montreal or New York City, take the I-87 Northway to Exits 17-N to 23. The trip from NYC averages around 4 to 4 hours under most circumstances. Saratoga, Glens Falls and Warrensburg are accessible by bus. Saratoga, Fort Edward and Whitehall are accessible by train. Local taxis going outside of the city of Glens Falls can be very expensive, but they are available. Major airlines travel to Albany International Airport, about 50 miles south of Glens Falls. There are smaller airports at Saratoga Springs and Queensbury (Glens Falls). Car rental agencies are available locally. Accommodations: many types available, from hotels and motels, to resorts, cabins and bed & breakfasts. Camping: both public and private camping is available, but reservations, well in advance, are strongly suggested.

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It starts out all so innocently, the loan application (1003) is filled out while gathering the income and debts verified through credit reports and mortgage payoffs. Then the Debt To Income Ratio (DTI) is calculated dividing the debts including the new housing expense by the income and wham, it happens. The DTI is over 60%. Conventional loan guidelines historically have been around 28% for housing expenses including taxes, insurance, private mortgage insurance and homeowner maintenance fees. The total debt ratios had been around 36% for all monthly debts including the housing expense. With computer modeling and automatic approvals some DTI ratios have been allowed to float up in some cases to 50% to 60% if the borrower has lots of assets and the loan is on a full doc basis. As time passed, more and more hybrids began to show up. Mortgage Brokers were inundated with this new loan product called Stated Income. Simply the borrower would state their income on page two of the 1003 loan application and ratios would fall within lender acceptable limits. The original thinking by lenders were grounded in the premise that many busy well to do borrowers didnt have time to compile tax returns and a litany of proof of their assets. This especially applied to borrowers who owned a multitude of income producing properties or had filed for extension on filing a personal or corporate return for a self-employed borrower. This was a very popular plan and billions of new mortgage originations were sold using the Stated Income or other derivations of the basis plan. It was great for self-employed borrowers who found it difficult to compile in a timely manner all the documentation for a fully documented loan which would use tax returns and a year to date statement from a CPA.

Later on, due to the heavy volume of mortgage business and a desire on part of lenders to expand this popular niche into other areas W-2 wage earners were allowed to state their income as well as those on fixed income such as social security, disability and pensions. For a few years this seemed to be ok. However, as time went on, and the economy in various parts of the country began to slow down, borrowers with stated income loans began to have an inordinate amount of foreclosures. At this time, Stated Income mortgage loans rival the Option ARM for frequency of foreclosures. Fraud reared its ugly head as participating players in the loan process were structuring deals with phony baloney borrowers who didnt exist. These phony buyers are called straw buyers by prosecuting attorneys. Many times the first payments were never made. Most mortgage brokers and lenders have buy back agreements from the secondary markets so when a loan goes bad the originator is on the hook to buy the loan back. If fraud was involved, that shop many times already closed up and had run away with any ill-gotten gains together with the rest of the crew who were working the scam. Those players are prosecuted and serve prison time for their sins.

The other borrowers who were just trying to get a loan to pay off debts and a few months down the road after the new mortgage was in place were not able to make their payments. A Notice of Default is sent to the borrower with foreclosure action following when mortgage payments are not made. In a foreclosure process, the lender holding the bag goes back through all the files looking to perform an autopsy on the loan to determine what happened. Every piece of paper is examined, verifications are double-checked with a high powered microscope. All who committed a fraudulent lending practice are sought out and demands are made for redemption and loan buy back. Some enterprising participants had provided false bank statements and other loan documents, which were in fact fraudulently created on a fine computer word processor. The fix had been in.

Many of these stated loan products were all the rage then the fraud hit the fan. Borrowers could not afford the payments and did not even come close to having enough to even live on. Major changes are afoot. Many mortgage brokers exercise much self-discipline and will not even consider a Stated Loan with someone on fixed income. Where is the real money going to come from? Guidelines are tightening well after the horse has escaped from the barn. There is a web page called www.salary.com that gives the high and low range of income for various occupations. Lenders will immediately check this to see if the Stated Income is within this range. In the past, many times, these loans were done with a wink. This is no longer the case. Recently, Form 4506, which is an IRS form that a borrower signs allowing the lender to check with the IRS and determine income from the borrowers tax returns and W-2s if any. Formally this verification process with the IRS was a time consuming endeavor, but this is not the case anymore. For like $4.00 per file, a lender can access, with the borrowers written permission, an online web site and access the IRS site to verify income. Many lenders will not close the Stated Income loan without an IRS Form 4506 being signed. Many of these loans are sold into the secondary market that helps keep the mortgage money supply flowing. As more and more foreclosures ensue from the Stated Income Mortgage Products there will be a major shake out with tightening of regulations and a search for any player, including the borrowers, who may have had a hand in this Liar Loan product. The fallout is already underway.

What is a borrower to do? For one, look for mortgage products that do not require stating a phony income number. A No Doc loan requires stating No Income on the 1003 loan application. A No Ratio does not require income to be listed but verifies employment and term on the job. It has to make sense. The days of loose lending may be over for many. Bottom line, if it doesnt make sense, it probably is not a good loan. Think long and hard about using a Stated Income loan product. If it conforms with what it originally designed loan program for the busy borrower with lots of cash and assets and no time to pull things together, great. If not, think about passing for some other loan product. It could impact your walk around freedom. A negative loan experience will certainly impact a borrowers credit and help precipitate a long and painful recovery from this credit blemish resulting from a foreclosure. Find another mortgage product to achieve your financial goals.

Dale Rogers
http://www.brokencredit.com
http://www.sellerhelpsbuyer.com

Dale Rogers is a thirty-year mortgage veteran and frequent contributor to the Broken Credit Blog. The BCB is a free website created to assist the general public with information about credit repair and responsible mortgage lending.Mortgage Lead Transfers
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