Investing Trends

When it comes to investing in real estate, there are so many ways to make money. In fact, lots of money. The key is simply to be as creative as you can and you WILL make money. Usually, it is the innovator of a new idea that will be able to cash in before anybody else has the chance. Then they will make tons of money and sell programs to teach others to do the same thing later on.

The technique that is used and in fact needed quite a bit is the "Short Sale." The idea of the short sale is simple. If there is not enough equity in a property such as a foreclosure, for example. What is needed, is for you to negotiate with the bank where the deed is being held and see if they will take a lesser amount than what the actual owed amount of the mortgage is.

Ok, I know you are already asking yourself, "Why would they do that?" Well , I will tell you. In this day where it is easier to buy a house and there are many programs which facilitate this both Government and Bank there are many properties that cannot be afforded with a conventional loan where both interest and principle is paid. It is too much to handle. So, what is becoming increasingly popular is the "interest only" loan. This is a loan where instead of paying into your mortgage, you only have to pay and keep the interest paid on the loan each month. This helps people afford much bigger houses with much less money. The only problem with this is that if your mortgage is $200,000 dollars and you do interest only, after a year in ownership, you still owe $200,000 nothing has come off of the price of the loan. Hopefully your house has gained equity and now it is worth $250,000. Not very likely, but it does happen.

These cases are the reason for the short sale. The bank would rather sell to you at a discount the property and take a small loss, then have to hold it and not be able to sell it for many months and take a huge loss. This is where we the investor can cash in. So just because you see a property that looks like nothing can be done, does not mean that is the case. Submit your offer to the bank and see what they say. They may surprise you. The only thing you have to lose is nothing and you can gain the property at your price to make money with. So get out there and get your goals met and remember this. The only thing stopping you is YOU!

Many investors make investing in real estate a complicated business more than it should be. I reckon there are many elements to master. We should be able to differentiate the big rocks from the pebbles and the sand. This means we should know what is paramount for our success. If I am forced to summarize the business of real estate investing I would say: Find the deal and sell the deal. In other terms: do marketing to find and sell. If again I'm forced to choose one out of the two, I will without hesitation say: build your buyer's list. That is in a nutshell.

The key of this whole business we call real estate investing is to have a Strong Buyer's List. I should say a Strong Qualified Buyer's List. My friend if you have that you don't need to find deals. You can call around and find deals that match exactly what your buyers are looking for. This is really a million dollars advice taken for someone who has transacted more than 750 deals. Believe me having the best deal in town will do you absolutely no good unless you have a qualified buyer who wants it.

I'm going to show you 5 ways to build a strong buyer's list.

1) Courthouse steps

Investors who go to the courthouse steps have access to money, wouldn't you agree? By going to the courthouse steps you can easily spot the regular investors. They have done their homework and prepared to buy some properties. It's all about relationships. Some will not talk to you, some will be glad to give you their business card and that is. The approach I recommend is to present yourself as beginners looking to bird dog for some properties to a seasoned investors. Then you're not perceived as competitors.

2) Auctions

Believe it or not there are many auctions in your town every month. Some are performed at a property location, some in a big room. You can easily exchange business cards. And follow up later to establish a good repert. I'd like to insist that meeting someone for the first time is not good enough. You need to hit them at least three times.

3) Buyers of foreclosure

Select your farming areas. Look at the fixer upper for sale. An investor is going to buy it. Drive by and establish rapport.

4) Section 8 strategy.

This is a great way to find established investors. Many of these investors are using a buy and hold strategy. I found that many own Corporations and LLC. It doesn't matter that you can still cross reference and find the owner behind the corporation. I'm convinced that real estate investing is a detective business. Be a real Colombo (played by Peter Falk) and know things nobody knows and you can help more people and make money in the process.

5) Classified advertisements

You can use this strategy in three ways. You can read the classified at the section of properties for sale. Generally speaking investors tend to put classified ads that read like "Handyman special, Cheap, Cash the phone number." Or something close to that.

You can read the "real estate wanted" section. I found that the investors who advertise there want a better deal than I can give them. Not one of my favorite strategies. You should test it.
You can also put your own add as the one above "Handyman special, Cheap, cash claim your free report on "How to save thousands of dollars by renovating you property." With this little twist you can steal, so to speak, some readers.

You still have your real estate investors clubs to fish from.

You should classify your buyers in three lists A, B, C.

A are those who have money

B are those who are thinking buyers in the future

C are the newbies. You really have to take them by the hand and teach them everything.

Let's me ask you: How many buyers do you need? You really need 10 A buyers. That is. You can sell two properties a year to each of these buyers. With an average profit of $7,000, you can add a cool six figure income to your business, part time. Now, you just to implement these strategies.

Do your due diligence when investing in real estate. You've heard that before, but what is due diligence? A simple definition: "The investigation and verification of the details of a particular investment." Start the process before the offer, but in the offer you also will want to include clauses that allow you to have inspections done, look at certain documents, and review the books.

Due Diligence

Due diligence should always include a look at the books. Review the last 24 month's income and expense statements, and watch for anything unusual, like expenses that are too low or income that seems higher than usual. Look at the rent roll, and investigate whether rents are over or under the market rates for the area you are in. Check the payroll records if there are employees, and watch for surprises, like accrued vacation time that you'll have to pay as the new owner.

Always verify income. You want to see rental agreements signed by the tenants, as well as rental histories, which might show if there are any problem tenants or late payments still due. Documents for rental deposits should show amounts and where the deposits are (which bank).

Look at the service contracts and agreements. Ask if they transfer, or if you are free to change to better (possibly cheaper) services. Among others, you're looking for property management, landscaping, snow plowing, pool cleaning service, and heating and cooling system maintenance agreements.

Do your initial exterior inspection. Walk around with pen and paper, and note anything unusual or in need of repair. Arrange for professional inspections where needed. Be sure that the electrical and plumbing systems are up to date and meet current codes. Estimate of how many years of use the roofing has left, and look at driveways, landscaping, and the condition of exterior paint.

Your due diligence should include an interior inspection. Meet some of the tenants if you can. Look for any problems you'll have to fix in the coming years. Watch for water damage or fire damage, pest problems, and obvious "problem tenants," or "problem apartments." Are there empty units that are listed as occupied? Get the necessary pest inspections and safety inspections. Some Fire Marshalls will do a free inspection to verify that the building meets current codes.

Call local authorities. Ask about any zoning or encroachment issues, or permit problems. Have there been any fire code violations, and were they fixed?

It is usually best to use professional help when doing your due diligence. Your accountant can decipher the books better than you, and notice anything that doesn't add up. A lawyer can review your offer and other documents. She can also tell you what other things you should be doing.

Take notes. Do something about serious issues (have them fixed or adjust your offer). Most problems you'll run into when buying income properties are not entirely unforeseeable. They can be avoided or resolved if you use your due diligence checklist diligently.

The thought of the word "pension", sends a shiver down most peoples spine…….unless you are an MP or Civil Servant, with the best pension OUR money can buy!

Let's face some key facts about UK Pensions:

• The income generated within a pension is taxed.


• The income we take from a pension is taxed.


• At some point we have to buy an annuity and our capital is lost.


• If we provide for ourselves we can lose State Benefits at retirement.


• Insurance Companies profit from "managing" our investments and they pay tax on their profits!


• If we create too much wealth in our pension, (£1.5m), we are not allowed to contribute further.


• We cannot invest in overseas residential investment property using our pension fund.


• Unless you are a sports star, you have to wait until at least age 50 to take your pension.

There is a pattern emerging here, the Government earn a fortune in tax from the UK pension market and we, the private sector, not only have to put up with this, but we have to help fund the bloated pensions of the Public Sector!

The good news is that there is a very good alternative... buy an investment property in Dubai. The concept is simple. You invest a deposit in a property, rent it out for say 10 years and clear the mortgage. Then you can enjoy the rental income ("Dubai Retirement Fund").

I have selected Dubai for this exercise, simply because it takes a lot to beat it. Here are just a few pointers as to why it might be a good location to base your investments.

• It is totally tax free, that's correct, no CGT, Income Tax or grubby Chancellor after your money!


• The population is continuing to grow faster than they can build property.


• Forecast GDP indicates continued economic growth and thus rental demand of property from Employers seeking to recruit and locate staff.


• Geographically acts as a trading zone for East and West.


• Property prices still relatively low.


• 70% mortgages allow you to achieve "gearing" of your investment, thus the growth return can be spectacular.


• On selected investments guaranteed rental returns are available.

So now you have grasped the concept, let me demonstrate some figures to you which illustrate the massive benefits of creating your very own "Dubai Retirement Fund".

UK Pension


£18000 invested over 10 years and 15 years respectively:

Fund after 10 years: £24,600 Income produced annually: £724


Fund after 15 years: £29,000 Income produced annually: £943

Notes:
Figures taken from Standard Life on line calculator, based on male aged 40.
All figures assume 2.5% RPI and 7% annualised growth and 50% widow's pension.
Pension RPI linked. All figures illustrated in today's terms.

"Dubai Retirement Fund"


£60000 property purchased, with £18000 deposit and £42000 capital repayment mortgage.

Value after 10 years: £60,000 Income produced annually: £4,800


Value after 15 years: £60,000 Income produced annually: £4,800

Notes:
It has been assumed that both the capital and income failed to grow over the terms to represent values in today's terms. The 10 year example is based on a mortgage at 8% interest and the 15 year example is based on a mortgage rate of 7.5%. In the event of death, 100% of the rental income would continue as income. The capital at the end of the term would continue to vest in the owner's estate.

Now, let's summarise the differences, whilst excluding the fantastic capital and rental growth opportunities: After 15 years the value of your Dubai property would be £60,000 paying £4,800 annual income. The UK Pension would have a value of NIL, because you have to trade your fund for an annuity of only £943 pa, which is less than 20% of the Dubai Retirement Fund! It's a really difficult decision isn't it?

In reality a lot of research has to be undertaken to ensure only the best properties are selected, which is where our team of specialists are well placed to help you.

The choice is now yours if you wish to make plans for your future wealth:

• Bury your head in the sand and hope that you won't grow old!


• Invest in a UK Pension and provide the chancellor with plenty of tax!


• ACT NOW and invest in a "Dubai Retirement Fund".

What do you do when others try to steer you away from your real estate investing goals? Sometimes even well meaning friends become cold-water bucket brigades. They throw cold water on your dreams and dampen your enthusiasm with their negativity.

They will tell you about their Uncle Harry who lost a lot of money in real estate. They are quick to give you all the reasons not to invest.

If you announce to others that your goal is to become a wealthy real estate investor, I guarantee you some of them with try to discourage you. That's true of any announced goal.

Tell them you're trying to lose weight and they'll offer you a cookie. Tell them you plan to get rich in real estate and they'll tell you why that's a stupid idea.

Some life coaches go so far as to say that you should NOT announce your goals to others. This way they have no way to offer their negative input.

I think you'll have to figure that one out for yourself. Do what works for you.

However, you must be prepared to handle the naysayer. When someone offers you their negative feedback one great response to the negative Nelly is to simply say, "Thanks for sharing!" Then quickly change the subject.

Did you know that your net worth is probably the average of your five closest friends?

Think about the 5 people to whom you are closest. Could it possibly be true? Yes, it is very likely true.

So, if you are serious about increasing your net worth, you may need to think about getting some new friends.

I'm not suggesting that you "fire" you current friends. But, you will probably find that it happens automatically over time. As you develop your new interest and meet new people, you will probably develop some new friends.

Just be sure to pick some rich ones!

Have a Plan


Now that you have decided to build an investment house or buy one, what will you do with it? It's not enough just to have a house built. Remember, the goal is to create wealth. Before you build an investment house, have a plan in place. The plan can be as simple as building one house each year for ten years and then retiring and living off the income produced by those ten houses.

That is a simple plan but it works, as I learned from a mentor of mine named Barney Zick. In some of my investment meetings I show my protégés how they can exercise that plan and retire with an approximate income of $100,000/YEAR for the rest of their lives.

My son has also developed a powerful, dynamic plan that we offer on our web site. It shows how you can create more than $100,000 in less than three years using no cash out-of-pocket or credit. The plan can work even if you have the lowest credit scores possible – even if you filed for bankruptcy yesterday! The point is, have a plan.

Why Have a Marketing Plan?


1. You have a business that operates with purpose, not by accident.


2. It allows you set time deadlines, to hold yourself and others accountable so everything gets done.


3. It's a concrete result you put out for your mind to focus on and strive to achieve.


4. It allows you to clarify specifically what you want to accomplish in the next ____ days (you fill in blank).


5. You can identify the activity needed to achieve your plan.


6. It allows you to plan in advance to delegate tasks that would be best outsourced, and


7. It results in you being free to concentrate on your highest payoff activity.

Rental House


There are several things you can do with a house after you build it. You might want to keep it as a rental. This is a very good, simple plan with the added advantage of lowering your tax burden through depreciation and other expenses.

Borrow Against It


If you plan it right, you will have a positive cash flow that allows you income each month. Once your house appreciates, you can borrow against it. You can borrow $50,000 on your rental house and it is not a taxable event. I have done this on occasion. Another option is a home equity line of credit (called HELOC(s)) and I use mine like cash in a savings account. Again, I do this regularly.

Every house I own has a line of credit which I use very cautiously. If I need $200,000 for a project I write a check from my HELOC(s). Before I use my HELOC money, I know when I am going to replace it. It is a good, very workable strategy

Sell It


You can sell your investment house and pocket the profit. If this is your planned strategy, check first with your state regulations to see if this is a viable option for you. I know several people, including real estate agents and brokers, who got their start in real estate investing this way.

You can make a very nice profit and if you are a real estate broker, you can make some fine commissions by listing and selling your own houses. Again, check first with state regulations because not all states will allow you to do this without being licensed.

In Oregon, my home state, you can not sell a new home unless you are licensed as a builder or developer, unless there are extenuating circumstances like a death in the family, loss of job, or some other hardship. And there is a substantial fine (in the thousands of dollars) if the state catches you in this activity.

"But," you argue, "I'll just take the test and get my contractor's license." That's all well and good, but it could cost you $25,000 for liability insurance. Just beware. Talk to your insurance broker and your state building department.

Lease Option


Let's suppose for a moment that you live in a state where building and flipping is not permitted. Another viable means of creating wealth is through lease options, sometimes called rent-to-own. This is a great way to do business whether or not the state will allow you to sell you newly constructed investment home. I do this all the time. I currently have thirteen homes under construction which I will lease option when they're complete. I can sell them right now because I'm a licensed general contractor. But I'll hold them for at least one year unless something unforeseen comes up.

The reason? More wealth created. Consider the following:

1. If I sell today I'm in competition with everyone else who wants to sell a house. That means I might be forced to negotiate the price. By the way, usually the negotiation is for less money, not more.

2. If I have more competition I might want to list my house with a realtor on the multiple listing service. If I do that I will have to take about 6% less for my house after we get through negations. As a matter of fact, when I first started building real estate brokers often made more money on my houses than I did as a general contractor.

3. But, as a lease option I get today's appraised price without paying a real estate broker (I save about $18,000 on a $300,000 sale), and I add an additional 10-15% to compensate me for waiting to close in a year. That means on a house that appraises for $300,000 today will earn me an additional $30,000 to $45,000 – again without paying a real estate broker.

4. I can almost completely eliminate landlord headaches by structuring my lease properly. In the lease I created with the help of my attorney, the buyer/tenant is responsible for all repairs up to $500 per occurrence and we equally share in any repair above that amount.

5. I get my rent paid on time which means I can make my payment on the property and have positive cash flow. I do that by making it very expensive for my buyer/tenant to pay past three days of the official rent due date. I have had only one tenant buyer who failed to pay on time. When he exercised his option, the late payments cost him over $5,000.

6. I get a tax deduction if I want to take it. I can depreciate the house because it is a rental house. I can take all the other tax benefits of owning a rental house which can help reduce my already heavy tax burden.

7. Since I have held onto the property for a year, I can sell the house when the buyer/tenant exercises the option and roll into an IRS 1031 exchange which will allow me to defer my taxes and use all the funds for additional real estate investment opportunities.

As you can see, the benefits are huge if you lease option. But, having made the argument, if you need or want the cash profit (the wealth you created) sell (if your state allows you to), pay the taxes, and spend your money. It's okay to take profits. You need cash flow in order to pay your bills and live a life style you choose.

Regardless of your plan, go out and have a great time with real estate investing. There is wealth to be created if you work at it and do it right and much of it depends on your exit strategy.

For the past few years Dubai has proven itself to be the darling of the property investment world both within the Middle East and beyond, it continues to offer high rental yields and a very good capital growth rate of near 10% which we see today.

Yet Dubai's development has not just been restricted to the real estate sector, the tourism sector has grown by leaps and bounds in the past 3 years alone. With tourists staying in Dubai hotels numbering 5.4 million in 2004, whilst in 2006 tourist staying in Dubai hotels grew significantly to 6.5 million people. With the number of hotel rooms and flats numbering 40,862 in 2006 and the government of Dubai aiming to reach a target of 8-10 million tourists by 2010 shows that there is at present a significant gap between growing demand and availability of supply for tourist accommodation which may be increasingly felt as major future attractions such as Dubai land and Dubai Sports City open for business.

This level of growth in the tourism industry in Dubai has led to a very high occupancy rate for hotel rooms and apartments for example the occupancy rate stood at 85% in January 2007 alone. This has presented Dubai and UAE property investors as a whole with a splendid potential to capitalise on this growing market, the traditional method of property investment in such as buy to lets in Dubai may offer investors around 8% rental yield per annum. Yet short term letting tenants are charged hotel rates per night which depending on location and quality of properties, landlords can stand to make 10-15% rental yield per annum at today's hotel rates.

This is a situation which is not solely confined to Dubai, it is also very much applicable in other Emirates such as Ras Al Khaimah especially in established resorts such as Al Hamra Village , where hotel accommodation does not suffice to meet demand.
A common question asked by many investors is what is the best way take advantage of accommodation supply gap in Dubai?

There are two main routes which buyers can take with regards to this:

• The 1st method is to purchase an apartment or villas and utilise a high quality property management company which will take care of an investors property. Normally the management charge will be 20-25% of an apartments rent per annum. It may also be necessary to buy a furniture package from property management company which may vary in cost between £2-£5K.

• The second option available to investors is to purchase a hotel apartment in one of the key future tourist locations such as Sports City in Dubai, such as The Cube. These developments are often managed by 5* hotel companies which will in many some occasions give investors rental guarantees and 30 days complimentary stay within the hotel. These are developments in a majority of cases will be fully managed, maintained and furnished with no additional cost to yourself.

By

Hamid Shah
Director of Mirage Real Estate Ltd

It seems that millions of people have dabbled into various home based business programs and spent money and time for a couple of years working themselves to death to succeed but have failed miserably and are frustrated and may have given up on their dreams of creating true wealth and financial security from a home based business.

Are you one of these people?

If yes, read on to discover an eye-opening "SECRET" which may rock your world and finally give you the little known "SECRET GOLDEN KEY" to unlock vast internet wealth and make all your dreams to come true.

Most people got fade up from doing 9-5 jobs and all the stress and hassles involved and decided to try their luck in doing home based business opportunity programs which they operate from home to generate auto-pilot cash flow.

However, most of these people are ordinary folks who have no computer programming or business marketing or webmaster or web designing or website promotion skills.

Therefore to get their home based business programs off the ground, they had to spend a lot of time and money to seek and find website designers, web hosting companies, website marketing information and had to read hundreds of e-zines, e-books as well as attend $5000 hot seminars conducted by snake oil internet marketing wannabe gurus.

Yes, there are millions of people who are making large amounts of money doing home based business programs and even affiliate programs.

Ironically, they include these so-called internet-marketing gurus.

However, the problem is these so called internet marketing gurus are slick because they do not tell you the whole truth about the "secret" to get rich doing home based business program, because they don't want you to know the WHOLE "SECRET" and become their competitors!

They do not tell you the WHOLE TRUTH about how to generate website traffics.

If you cannot generate massive website traffics, you will not get website visitors or sales and you will fail.

There are very powerful little known secrets on how to generate massive website traffics for any home based business program.

However, the so-called gurus and webmasters do not share all the secrets.

They sell only half-truths to you for $39.99.

Half-truths are very dangerous because they complicate matters and waste your valuable time and resources.

The so-called internet-marketing gurus have told some home business owners to buy traffics from traffic companies, to do banner advertising, to do opt-in e-mail marketing or joint ventures.

Most of these internet-marketing strategies have been dead and invalid for a few years now. They do not work anymore.

There are millions of fake traffic companies selling 1000 traffics for $10, 50,000 traffics for $50 and 1,000,000 traffics for $500.

So, you spent your hard-earned money to buy their website traffics services.

They told you it would take about a month for them to deliver all the website traffics and that a report and proof will be sent to you after the website traffics were sent to your website.

So you waited for a month, but at the end, you did not get even one sale, even though the traffic company claimed they had sent 1,000,000 website traffics to your website and also gave you a proof for it.

What you did not realize was that, yes, they sent 1,000,000 hits to your website, but they were computer generated (using a script).
They are not real human beings!

That was the reason why you did not generate even one sale.

You had been conned and ripped off!

So, you felt angry, scammed and frustrated.

Therefore, you decided to try to get website traffics from the search engines.

So, you squandered $5000 to attend seminars by the so-called internet- marketing gurus and spent a lot of time reading all their hare-brained silly e-books and listening to their audio tapes and watching their videos.

From all these you probably learned how to optimize your website, do link exchange and submit your website to search engines.

But what happened after you did all these as they instructed you to do?

To your horror, you discovered that the major search engines would not even index your website for at least 6 months!

That is what is called being sandboxed.

They placed your website on probation for at least 6 months.

So, there was no way for you to get any website traffics for at lest 6 months.

Your website had not been included in the databases of the major search engines.

So, since there was nothing you could do about that, you decided to wait.

You waited and waited for 6 months.

Then luckily, finally in about 8 months they indexed it.

Therefore, you started expecting website traffics and hits from the search engines so you could finally start making sales and earning income.

But what happened when you checked your keywords positions in the major search engines?

You became shocked to discover that the largest corporations dominated all your keywords and your website could not be found in the top 100 websites in the search results!

Holy mackerel, you moaned.

No wonder you were not getting any website traffics, hits or making any sales!

Ouch. That hurts.

It was then about 1 yr since you started making efforts to earn income from a home based business program.

At that point, you were angry, frustrated and disappointed.

Who would blame you?

Nobody enjoys failure.

So you decided to fight on by hiring a website search engine optimization company (SEO or SEM) to do all the work for you so you could get to the top 10 positions in your keywords and begin to generate traffics and sales.

You plunked down $2,500 for the SEO company to work their SEO "magic" for you, in addition to agreeing to pay another $100-$250 monthly for them to maintain your keyword positions.

They told you that you should not expect any result for at least 3 months-6 months and you had to agree because you had no choice.

If the SEO company you hired was a genuine one and they did their work right, yes, in 3-6 months, you would finally start getting website traffics and sales.

Yahoo! You exclaimed out of excitement.

At last, you finally made it.

You felt happy and wanted to scream and tell the whole world.

Sales were coming in.

You were then able to start paying some of your bills, especially your rent or mortgage, insurance, medical and car loan as well as other payments.

But after 3 months when the major search engines updated their databases, your keyword positions disappeared and suddenly your website traffics as well as your sales screeched to zero!

You were back to where you began a year ago! Zero!

No traffic and no sales, in addition to having spent $2,500 and additional maintenance fee of $100-$200 monthly for about 3 months.

When you phoned the SEO company, they told you that it was not their fault and they would keep charging you $100-$200 monthly as you agreed and that you must have patience because after the next search engine update, your website keyword positions could go back up to the top 10 positions again.

You do not have to go through this. Enough is enough.

This is not how those who are getting rich online are making it.

There is a better way to get rich online without selling your soul to the devil and having a heart attack.

And what is great about it is that there is no website required, no product/services to promote, no search engine optimization needed because there is nothing to sell.

So, you do not need any website traffics or to squander your hard earned money paying website search engine optimization companies $2,500 plus $100-$200 monthly.

This little known but extremely potent and powerful millionaire's secret of creating, preserving and propagating wealth is 100% legal, easy and fun to do.

All you will be required to do will be to open a special "INTERNET FINANCIAL ACCOUNT", click your mouse and enter a "SPECIAL CODE NUMBER", then click your mouse a second time and you make money.

The amount of money you make may vary from $100 every hr to $2,500 daily and even $100,000 monthly.

And you can make fast cash all day, 7 days and 365 days from the comfort of your home or office and from any country in the world.

There is no limitation on how much money that you can make.

It is the fastest and greatest "SECRET" to creating infinite wealth on the internet without doing any work.

Read my lips: no work. Nada. Zip.

This is hot stuff and that may be the reason why you might not have heard about it because the millionaires and the "power elites" who have been using it to create vast wealth without doing any work have hushed it up and jealously hidden it and kept it away from the public.

Can you blame them?

If you wake up tomorrow and discover that there is a goldmine or treasure in the ground under your home, will you place a full-page ad in New York Times newspaper to tell the whole world?

With the millions of dollars which you could potentially make from this $100,000 monthly for life, millionaire's "SECRET", you'll be free like a bird to buy a mansion, with the most lavish and expensive furnishings, jewelry, antiques, electronics, a 50ft yacht, dream luxury cars, pick your choice: Lexus X470, $44,000 Jaguar 2007 S type, Silver Porsche Carrera, $180,000 Ferrari Testarossa, Mercedes 2007 Model S Class, 2007 Rolls Royce Silver Seraph, Bentley Mulsanne S, $220,000 Bentley Arnage Silver Tempest or a flaming red Lamborghini Jalpa!

You can make all your dreams in life to come true, without any hard work!

May these insights into home based business opportunity, online income opportunity, internet wealth secret, internet millionaire secret, shortcut to online wealth, home business internet money making, earn income online, residual auto-pilot cash flow program, website traffics, website sales, affiliate program, website marketing, website search engine optimization, SEO, SEM major search engines, website internet-marketing gurus, help you make millions of dollars and to achieve your life's ambitions and dreams.

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Ikey Benney

Purchasing oceanfront real estate in Mexico is a process that has been made easier by Cascadas de Manzanillo. In order for non native Mexican to buy real estate in Mexico's restricted zone, the area within 60 miles of any Mexican border, or 30 miles from any Mexican coastline, the buyer will have to set up a trust through a Mexican bank. These trust work similar to the same trusts used for minors. Cascadas has entered relationships with Highpoint Mortgage and Wachovia Bank to allow US investors foreign financing. Instead of paying cash for your properties, you can now take a mortgage out with either of these two banks. This relationship gives foreign buyers the confidence they need to invest in Mexico.

The real estate trust is still required in order to buy the property. Essentially you get Highpoint or Wachovia to give the money to a Mexican bank. They turn around and purchase your home for you. The bank holds the title to your home and is the trustee, and this enabled foreigners, as beneficiaries of the trusts, to enjoy unrestricted use of land located in the restricted zone without violating the law.

When you buy real estate in Mexico, you would do well to consider taking out Title Insurance on the property. Title Insurance covers you should the property you buy subsequently turn out to have liens associated with it. This especially relevant if the property you are buying has been privatized, having previously been classified as being "Ejido" lands, but even if this is not the case, Title Insurance will protect you if any other previously unforeseen lien or charge is brought against the property before you took possession of the Title Deed.

The process of buying homes in Mexico seems long and tedious, but if you look at the amount of foreign home buyers in the restricted zone of Mexico you can see that the process does not scare people from purchasing Mexican property. Real Estate in Mexico is more popular now than ever before. Cities are growing, and the availability to buy in Mexico has never been this way until recently. With US based financing available in Cascadas de Manzanillo buying in Mexico has become affordable for all American buyers.

Commercial real estate investors understand the importance of finding locations that give businesses the opportunity to be successful. Office complexes must utilize the surrounding scenery to ensure that employees give their respective companies optimal results. Pivotal has invested in developing many successful commercial real estate sites in pristine locations. Developing in successful commercial areas only ensures that the commercial business complexes will maintain their value. Pivotal targets growing areas that allow investors to elevate their returns in addition to maintaining their locations. Understanding commercial movements and trends allows investment companies to capitalize on marginal gain opportunities. Pivotal has renovated and built office facilities that have proven to be successful, and then sold them to investors who are looking to turn a profit. In late 2000 Pivotal bought the 650 California St. office tower located in the financial district in San Francisco, California. Finding pristine commercial real estate in one of the world's most economic cities shows investors that Pivotal is committed to finding successful locations.

Commercial real estate investing is more than just finding great locations and selling them for a profit. Many times investors have to renovate buildings, or improve the financial structure. Pivotal proved its ability to do this when they purchased Pointe Office Portfolio in Phoenix, Arizona. Pivotal acquired the office complex and had to improve the rent roll and operational margins. By making the office complex profitable they were able to offer potential investors a highly profitable investment opportunity. Pivotal was able to net a 58% profit margin from this venture. Pivotal's experience allows them to make these types of investments and these types of profits a normal occurrence.

Allowing investment firms to utilize their resources enables investors to maximize their profits. Pivotal's diversity in a variety of real estate segments gives Pivotal the diverse knowledge that investment companies need in order to make crucial decisions about investing. One of the most important sectors in commercial investing is financial restoration. Improving upon, or developing financial structures enables Pivotal to provide profitable commercial locations for investors. The most important sections of the financial sector are tenant retention and building occupancy. Pivotal's managing strategy prioritizes these two sections allowing the financial sector to steadily turn profits every renewing period. These types of improvements are vital to any types of investment ventures and Pivotal states their commitment to financial discipline within their development and investment philosophy.

Investment property is still proving to be one of the most popular forms of investment. Property in the UK has historically doubled in value every 10-15 years and regardless of the peaks and troughs during this time, investment property has steadily become one of the most stable ways to invest for the future as opposed to stocks and shares and other investment options.

Established landlords with investment property are very aware of the benefits of investing in property and in particular investment property in the UK. With affordability becoming one of the main issues for first time buyers, landlords are keen to snap up investment property in the UK in the knowledge that first time buyers and other buyers with affordability issues will be left with no alternative but to rent. It is the buy to let investment property market that landlords capitalise on and investment property is their key to success particularly during times when interest rates are rising and investment property prices are rising they are even more keen to buy to rent to this sector.

Investment property in the UK is a key topic of conversation and there are now more than 750,000 individuals who have at least one investment property that they have bought as a buy to let investment property. With buy to let mortgages for investment property becoming more readily available it is giving first time entrants to the buy to let investment property market an even greater chance of owning more than one investment property. Ideally, buy to let investment property investors will be keen to develop their investment property portfolio to such a level where they have multiple investment properties which are all likely to enjoy good capital appreciation. For those more mature entrants to the investment property market, they may be more focused on trying to buy investment property that provides them with a 'passive income' from their investment property on a monthly basis. These types of investment properties are generally lower value, but may present a higher rental yield but subsequently the capital appreciation on these buy to let investment properties may be a little slower.

As and when the opportunities arise, shrewd property investors will refinance their buy to let investment property during a strong property market to realise any potential profit from their investment property portfolio which can then be used to purchase additional investment property to add to their buy to let investment property portfolio. Buy to let mortgages for investment property are so varied in choice that it is much easier to obtain good competitive buy to let mortgage products on almost all types of investment property in the UK. Even those where the investment property in the UK is held within a Ltd Company where previously the products available for these may have been more restrictive.

Many people are under the false impression that you need to have a lot of money to invest in the amazing wealth-building vehicle of tax deeds. This is a myth that I am going to personally debunk right now so that you are no longer held back from investing in this most lucrative field.

You have the potential to be making huge sums in very little time, even if you only have a few hundred dollars to start with. There is a secret that once you know, will make you unstoppable. Want to know what it is? You're in luck, because I'm about to tell you.

Most people who invest at tax deed auctions think that the only thing worth bidding on are developed properties with houses on them. This means that the bidding will often go into the tens of thousands of dollars before the auction stops. This is not a good thing if you have little money to start with.

Many bidders take little notice of the lots with vacant land that are being auctioned off. They see little value in them. Some of these lots will sell for less than $100. Others will go for several hundred to a few thousand. This is where you can gain extreme amounts of leverage.

If you have done your research properly and won a nice lot for – let's say – $250, you are in for some serious profit. The market value of the lot you just bought may be $10,000 or $15,000. Not a bad profit, wouldn't you say?

Do you see just how fast your personal fortune could grow by investing in under appreciated vacant lots? It is truly phenomenal. You could turn one or two hundred dollars into multiple hundreds of thousands in a very short order if you follow a specific course of action.

Although tax deeds offer great investment with more safety than most investments, there are many key pieces of information you need to know to get the most out of your investing activities. If you do not take the time to learn the proper investment strategy and some of the finer points of due diligence, you will not have a good time and will most likely lose a lot of money.

Luckily, I have created an incredibly comprehensive and well written information product on the subject. It will teach you everything you need to know quickly, so that you can start accumulating your personal fortune immediately.

BEGIN SETTING UP YOUR BUSINESS - First Step is to generate a name. Choosing a name may sound a bit mundane but there is more to choosing a name than you might think. Hopefully you are going to live with this name for a long time so let's get it right from the start. Changing names (or phone numbers for that matter) can set you back. You lose valuable time and customers every time you change. The whole idea behind a name is to brand that name in your market or business community. Branding a name takes time, persistence, energy and money. None of us have any of those elements to waste.

A good name should say WHO you are, WHAT you do, WHERE to get more information and HOW to contact you. That can be a tall order for one name. Some companies have tried to get the job done with names that represent their phone number along with their products or services. EXAMPLE: a fishing guide might advertise 1-800-Get-Fish. In its time this used to be a pretty good idea but today it falls short. Unless the name of the company is actually "1-800-GET-FISH" the name does not say WHO they are. The example also suggests that you should only call for information during working hours and NOT to call at midnight or on SUNDAY. After all it is a phone number and you wouldn't want to be rude and call in the middle of the night.

Also, newer phones, like the Blackberry for example, stretch their numbers over keys that don't work like the old telephone key pads. Today, on the new progressive phones, some letters are NOT on keys that have numbers associated with them or can't readily be found. I could not call 1-800-GET-FISH on my Blackberry to save my life. Times are a changing!

Today we have the Internet. People know that the Internet is open 24/7… 365 days a year. They also know that they can shop on the Internet any time – day or night - without disturbing a soul. Don't think for a minute that the world isn't shopping for their RE needs at all hours of the day and night. Customers are gathering information at all hours and following up in the morning. It is a fact! Your future customers will be online at 12:00am -1:00am -2:00am and 3:00am in the morning. Your market is a world wide market… if you are on the net. If you are not on the net you are severely handicapping your business. It is NOT up for debate. It only makes sense, these days, to have your name be your website name. I firmly believe that in the world of creative real estate YOUR name should end in .COM, or .NET or .ORG or .BIZ….ANYTHING is better than a name that does not lead your customers to your website.

If you are new in the business and on a budget you simply MUST have a name that is connected to a website. I know, the very thought of technology scares the hell out you. Don't panic. Everything is going to be OK. I'll explain more about WHY I feel that way but for now, let's get on with HOW to find and capture YOUR NAME.

a). Go to GoDaddy.com and buy a "BUY" domain name and a "SELL" domain name... may I suggest something like www.LisaSellsRE.com & www.LisaBuysRE.com or www.LisaBuysHouses.com & www.SellsHouses.com I actually own www.MitchBuysHouses.com and www.MitchSellsHouses.com ...it says WHO I am, WHAT I do and WHERE to find more information. Most Net users understand that the domain name, my website, also leads to HOW to contact me as well. Try to get your Buy and Sell names to match up.

b). Then, make your email address use the same domain name as your website. Example: Lisa@LisaBuysHouses.com. Now even your email will say it all; Who you are, What you do, Where to get more information and How to contact you. EXAMPLE:

Your BUY domain name (Website name) is www.LisaBuysHouses.Com


Your BUY email address is Lisa@LisaBuysHouses.com.

Your SELL domain name (Website name) is www.LisaSellsHouses.Com


Your SELL email address is Lisa@LisaSellsHouses.com.

If you are following along with The Wealth Address Millionaire Challenge, "The Real Estatification of Wesley O'Neill" you will get to see him go through the actual process of Creating, Searching For, Finding, Registering and Pointing his new name(s) on www.GoDaddy.com... Complete with an audio explanation and screen moves.

Right now we are talking about getting the most basic business foundation started… one name that is also your Website's name, and also used in your email address. By choosing a name the represents your website name that is used in your email address you are off to a great start. Your website can say much more than any business card or billboard could ever say. In the future, every advertising medium you ever use will drive your customers to your website. By making the name of your business your website's name you are giving your customers the chance to learn volumes about YOU and your BUSINESS at any time – day or night.

Expect to pay about $8.00 per year for each domain name. The more years you pay for in advance, the cheaper it gets. Remember, the right name tied to the right site can make you hundreds of thousands of dollars per year. Personally, I have made about that much, or in one case, MORE than $100,000 in ONE DEAL! I know, it sounds unreal right? I've been in this business for 10 years. This kind of income didn't happen for me until about 7 years in. The gurus out there will tell you that I am a slow learner. Maybe you will have it happen to you sooner. To read those success stories go to www.WealthAddress.com and search SUCCESS STORIES by Author Mitch Stephen or click the links below. Look for these titles:

"OFF THE COAST OF AUSTRALIA"


"CHEAP LOTS – LOTS OF INCOME"

Remember, you can "point" or "forward" email addresses to any account you want. You can point your NEW email address to your old one or you can point your old email address to your new one. That means you can still go to ONE place to get any and all of your emails if you wish. If I've lost you with this techno stuff don't worry about it right now. Some of you may not even have a website yet. Don't worry about websites right now either… it's a piece of cake… I'll tie everything together for you later. The important thing is that you capture your BUY and SELL website names as soon as possible. Then get the matching email addresses. Even if my ideas are not for you, you will still need these names if you intend to stay in the creative RE business.

When it comes to marketing, absolutely NOTHING is faster, cheaper and farther reaching than the Internet. This is the very First Step if you are going to NETWORK at lightening speed. Register your names and get your email addresses!

TAKE ACTION NOW!


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