Month: November 2017
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Web business is a paradox. On one hand, it’s ridiculously to start a business and it’s also extremely cost effective. On the other hand, reaching success can be brutal if you don’t understand how traffic works. Search engine optimization is the key to making your web site accessible to your potential customers. Continue reading to find some amazing SEO tips and techniques which you can’t find anywhere else./p>
Spiders cannot read session ids and dynamic language very well, so remember that when making URL names. Meaningful URLs and relevant keywords make it easier for the search engines to read your pages. This means your website has a better chance at higher visibility.
A product feed is an effective way to grow your client roster and attract a larger number of visitors to your website. Such feeds provide detailed information about your offerings, such as pictures, descriptions and prices. Submit them to major search engines and shopping comparison sites. Add an RSS feed icon on your site or blog, and suggest to readers that they should subscribe to your site’s feed for all of the latest updates.
Creating a site map can really have a positive impact on your business, as search engines are able to index your pages more easily. A site map, or navigation bar, will let the search engines know about a given page from every other page on your site. Even if your website is just a hole in the wall compared to giants like Amazon, a site map does wonders for your search engine optimization.
To increase your search engine ranking, include written transcripts of any audio and video content on your site. When you make the effort to include the transcripts, the search engine crawlers will be able to read and rank your page.
Before beginning a website, research information about your keywords. Wisely choose which keywords to use on your website and in your titles. This allows you to know what potential visitors are looking up in your category. To boost your search engine rankings, make sure these key items are highlighted throughout your site.
Web sites most likely to have the most traffic are those that show up in the first few pages of search engine results. Use the tips you just read to help attract visitors to your website or your blog. Optimizing your site or blog can do a lot for your business.
Mobile marketing. is one of the newest types of marketing, yet it actually incorporates elements of some of the oldest and well proven methods. Many of the same rules that apply to other kinds of marketing will apply to mobile marketing too. However, there are some noteworthy differences.
Great tips when building a home in South Arizona
There are many homes in South Arizona because of its scenic outdoors, the great climate, and the neighborly communities. Full-time and part-time residents flock to the South to avail of its many amenities and to create meaningful memories. And what better way to create memories in South Arizona than to settle down and build a home?
If you’re one of the lucky ones who were able to acquire a lot in Arizona, then it’s high time you get started on building that home. The best way to go is to have a professional Arizona home builder work with you. A custom-built home is the ideal option, but you might also want to check out Arizona model home plans that can help you get started. From there, you can let the ideas flow and get the help of experts in checking if your ideas are doable. Experts can also help you improve on the design to make the living space more convenient, stylish, comfortable and energy efficient.
Once you’ve decided to establish your home in Sourth Arizona, it would be best to work with a trusty home builder. Get an expert who can turn your brilliant ideas into reality. You also need to make sure that your chosen home builder will be very easy to work with. No scams, no unfair pricing, and no illegal work background. To avoid the pitfalls of getting the wrong home builder, it would be best to look for a well-known and multi-awarded home builder to make the overall process run smoothly. Living a hassle-free life in your new home begins with a hassle-free construction process.
If you’re ready to get started on building your home in South Arizona, get in touch with Dorn Homes, the best among home builders in Arizona. Aside from building homes from scratch, Dorn Homes also offers move-in ready homes for sale in South Arizona. A notable home builder, Dorn Homes has received several awards and recognition over the years for its excellent workmanship.
Apart from getting the help of experts when building a home in South Arizona, future residents can look forward to the wonderful amenities that the place offers. There are a number of amazing lakes and fun golf courses. Residents and visitors alike can also enjoy hiking, biking, swimming, boating, fishing, picnicking, and other outdoor activities. Moreover, breathtaking sceneries of the mountains and the landscape’s greenery are both inspiring and comforting to see.
Mortgage Scams Lead to Debt And Harassment
The Federal Trade Commission has stepped up its investigations and prosecutions of mortgage relief scam artists. Since the start of 2013, the FTC has obtained settlements from over 20 individuals and companies involved with scamming distressed homeowners. In the most recent cases, two individuals and seven companies settled FTC charges that they victimized more than a thousand people through “mass joinder lawsuits” and “forensic loan audits.” They violated the Mortgage Assistance Relief Services (MARS) Rule, which was set up to curb deceptive and unfair practices related to such services.
The FTC contends that Sameer Lakhany, Brian Pacios, Precision Law Center, Inc., Precision Law Center LLC, National Legal Network, Inc., and Assurity Law Group, Inc. targeted consumers with a mass joinder scam. They promised homeowners that they could stop their foreclosures or obtain some other mortgage relief if they joined together to sue the lenders. The defendants represented themselves as a law firm called Precision Law Center, charging between $6,000 and $10,000 in up-front fees. But every suit was dismissed soon after it was filed; the victims saw none of the promised relief.
One of the scam artists, Lakhany, was also involved in a “forensic loan audit” scam, along with The Credit Shop, LLC, Titanium Realty, Inc., and Fidelity Legal Services LLC. These defendants called themselves nonprofit organizations, with domain names like “FreeFedLoanMod.org,” “HouseholdRelief.org,” and “MyHomeSupport.org;” but really they sold people an auditing service, which supposedly found lender violations in mortgage documents. The defendants charged $800 to nearly $1,600 for this service, which never led to a single favorable loan modification for the victims.
The FTC settlements require the defendants to surrender many assets and pay $4.75 million in restitution. All except Assurity Law Group, Inc. are banned from mortgage relief and debt relief services; Assurity is required to surrender $100,000 in funds and has been ordered to cease any deceptive practices. In February, the FTC settled with another predatory group, composed of Ryan Zimmerman, Consumer Advocates Group Experts, LLC, Paramount Asset Management Corporation, and Advocates for Consumer Affairs Expert, LLC. These entities also used the forensic loan audit scam, and charged people almost $2,000 or more for the audits-they failed to make good on their false claims. Besides receiving a $3.5 million judgment against them, the defendants are banned from marketing relief services or products, and from making any misleading claims about any other type of product or service.
In January 2013, eight other defendants settled with the FTC, for selling fake relief services to distressed Spanish-speaking homeowners over the phone. The defendants-David F. Preiner, Daniel Hungria, Freedom Companies Marketing, Inc., Freedom Companies Lending, Inc., Freedom Companies, Inc., Grupo Marketing Dominicana, Freedom Information Services, Inc., and Haiti Management, Inc-collected over $2 million from people over three years. They simply didn’t provide the services they said they could. Part of this settlement, in which the defendants received a $2.39 million judgment, bans them from marketing relief products or services, and from making misleading claims about anything they advertise.
How Real Estate Investors Wholesale Houses For Cash
Flipping houses usually refers to buying and selling houses. It really means wholesaling houses even though most people take it to mean buying, fixing and selling houses. Wholesaling houses involves buying houses below market value, rehabbing them if they need repairs, then selling them for a profit.
This is the definition we will stick to in this article.
Wholesaling houses is the quickest method to create cash in real estate investing. It also needs the least amount of cash invested in the deal. Occasionally you can wholesale houses without using your own cash.
So how do you do it?
1)Identify cheap houses
The best source of cheap houses is motivated sellers. People with legal issues and who own houses form the best source of cheap houses. These are people with inherited property, bad tenants, liens on their properties, divorcing and so on.
The easiest way is to send them letters or post cards. In my business, they get 2 mail pieces a month apart. Each letter or post card prominently displays my website URL as the main call to action. My phone number is less obvious. This way, I drive them to my real estate investor website which pre-sells for me.
Chances are the transactions I get are fully pre-screened and pre-negotiated so I need just a few minutes to tell whether it is a deal or not – then make an offer or move on.
Some people wholesale properties that have been foreclosed, but this is not the subject of this article.
2)Sign a contract to buy
As soon as you have identified a good deal whose figures look desirable, you must put it into contract. In each state, there are contracts regularly used by real estate agents, or you can get contracts that can be used countrywide. I prefer to use contracts mandated by our state real estate commission because they are more popular and most people, including title companies and sellers are more comfortable with them.
3)Begin title work.
The first thing I do is fax my contracts to my title company for title work to begin. You must ensure you buy and sell the house free of any liens. This is the job of the title company. As an investor, you do not need to get too concerned about the technicalities involved. I prefer to let professionals do their work.
4)Identify buyer with cash
Buyers with real cash in the bank are preferable. With cash transactions, you have few limitations in the transaction. Most real estate investors buying houses may have sold a house or have a line of credit for cash purchases.
Alternatively they have private money investors or get cash from hard money lenders.
Avoid buyers looking for traditional financing. Most loan companies will not lend on houses that need restoration and you could have seasoning issues, meaning you must hold the property for 6 months to 1 year before you can sell it.
5)Sign a contract to sell
The type of contract you sign depends on the amount of money in the deal. First, you must leave enough money in the deal for the real estate investor buyer. After all they will do rehab work.
I prefer to do a contract assignment if my potential profit is less than $10,000.
In contract assignment, you simply assign your contract to your real estate investor buyer. You assign the contract; you do not sell or assign the house. This is perfectly legal all over the country and you do not need a license for it. This contract is usually as little as 2 to 3 paragraphs.
In this case, the real estate investor buyer you wholesale the deal to closes the transaction, not you. You collect an assignment fee once the deal is closed.
If I am making more than $10,00 or my profits are near or the same as the real estate investor I sell to, then I prefer to do a simultaneous closing, also called double closing. This involves buying the house from my motivated seller, then selling it to my real estate investor buyer.
In a double closing, you buy and sell on the same table, so it involves 2 transactions. In this case, you own the property for a few minutes before you sell it. Of course, you have to incur closing costs that you do not incur in contract assignment.
He contract for simultaneous closing id just like the one to buy with a higher selling price and more favorable terms for you.
Whichever contract you sign, make sure to collect earnest money. I always make sure the earnest money is non-refundable if they do not buy the house. You must make sure the contract expires before your contract to buy and the property reverts back to you.
6)Collect your cash
You must make ensure follow the transaction process until the deal is closed. You collect your check from the title company when the transaction is completed. It is therefore in your best interest to make sure you close any loose ends and make sure the deal does not fall between your fingers.
How must cash must you have to flip houses?
When you sign your contract with the buyer, you may have to put up earnest money, usually between $100 to $500. There is no contract without earnest money. When I sign the contract to sell, I collect an earnest money check which is deposited with the title company.
In simultaneous closing, you can use the cash from your investor buyer to close the first transaction so you may not need to use your own money. If your buyer source of funds does not allow you to use his money to close the first transaction, then you might need to get transactional funding to a few points to close the first transaction before you can sell.
When all is said and done, the checks you collect from flipping houses will be easy and fast. You can buy and sell a few houses a month.
Tumbling Mortgage Rates Resulting To Tight Market Situation
Mortgage rates tumbled, as short-term mortgage rates shot up higher sending the share of variable rate applications tumbling.
The share of adjustable rate mortgage application sank though a big drop in yield of the 1year Treasury-indexed ARM may change that. However, latest report suggests that late payments on subprime adjustable-rate mortgages have increased for eight consecutive quarters and currently sit near 17%, while delinquency improved on the fixed rate mortgages and loans insured by the Federal Housing Administration. Fueled by activity in just four states, foreclosure continued to rise during the latest quarter.
Among the rising fears, one is that the sub-prime mortgage crisis is beginning to infect America’s $300 car loan market as evidence emerges of a surge in the numbers of motorists in arrears. Lenders who made more than 40,000 sub-prime car loans in 2006 saw the percentage on those in arrears jump from 6.8% to 8%, while smaller lenders who lend to offer loans to higher risk customers saw their arrears levels more than double from 6.2% in 2005 to 14.6% in 2006. Wall Street is worried that the same mortgage borrowers who are falling behind with their home loan repayments will also miss repayments on their car loans.
The housing slump in the country is causing financial pain to banks that provided expensive home loans to low-income householders with poor credit ratings. The sub-prime car loan market targets the same risky borrowers. Like the mortgage market, sub-prime car loan companies package loans and sell them to financial investors.
Tighter lending conditions around expanding subprime mortgage market could even splash some cold water on the housing sector in the months ahead. Some lenders in the alternative mortgage market have already jacked up mortgage rates or withdrawn products in the face of rising costs. Several subprime lenders even have raised their mortgage rates by 100 basis points in the past three weeks. Commenting on the impact of the issue, Alex Haditaghi, chief executive officer of MotgageBrokers.Com, a publicly traded mortgage company, said, it will affect not all consumers, but a niche market however, that niche market is one with very active house buyers.
Most economists figure that the market is ripe for a slowdown anyway. Canada Mortgage and Housing Corporation, for example, expects housing starts will slip 3% this year and about 6% next year. However, the credit squeeze is on the run that began in the US and has rippled throughout the world as a potential risk.
Earnings and liquidity continue to preoccupy executives and boardrooms of mortgage companies though some merger activity maintained. But as lenders grapple with unprecedented chaos in the mortgage market, class action attorneys are busy filing numerous lawsuits alleging investors were deceived.
Global markets continued to reflect concerns about economic impact of the crisis. The dollar fell to a record low against the euro and US equities also decline. Although some markets have already improved since the turmoil but the crisis would unwind at different rates in different markets.
HARP Guidelines Will certainly Ease Refinancing Mortgage
If like countless homeowners you have been accountable, paid your loan on time even though it is higher than market cost, all the while watching those around you purchase and refinance at reduced and lesser costs. Well, good updates if at last right here. A show you are able to make use of to decrease your interest rate has certainly come along and you are ready to refinance. That is, the new HARP 2 Refinance show, which is proposed for home-owners whose credits are owned by Fannie Mae or Freddie Mac, and that are obligated to repay beyond the estate is worth, that are under water on their loan.
But as the show is argued roll out, it’s amusing. The inquiry often then develops: “Ought to I refinance? Exactly how numerous years could it take to pay this home loan down to just what my residence costs presently?” And at that point some home-owners consider the real alternative of doing a brief purchase.
Definitely there is nothing at all wrong by having a short sale. Lots of folks are selling their homes for less than it is presently worth, and the loan provider is betting along and also taking the decline.
But, if you organize to be in the residence long term, that is, for a variety of years to come, at that point the HARP 2 refinance might be merely the alternative that aids you retain the house, substantially raise cash flow on the estate, and also wait it out as your block rises in value again over the coming few several years.
Time is one your edge, so long as you don’t have to relocate. If you seem protected in your task, as well as children are doing well in their colleges and also by having their circle of buddies, that point you will definitely do well over the long haul to stay in your house, as well as enjoy this HARP Refinance and have fun with a grown family capital, while likewise rejoicing in your house. The home that you have produced your family member, where your memories are as well as have been created. You can presently feel remarkably content in sitting tight in your home, with this brand-new refinance alternative.
Oh, and also here is one more consideration relating to the HARP 2 Refinance as opposed to short marketing your residence. The Headache Factor. Some folks will definitely tout the effective real estate deals out there today, and encourage you to market your existing house so about will benefit from the heaps out there.
Selling your residence on a short sale is not easy. Generally it takes 4-10 calendar months, and a ton of residence showings as well as a great deal of documents to your existing lender. A refinance, on the other hand, and would like to refinance by having a HARP 2 refinance course, you will certainly give comparable documents, then hang around 30-45 days to close your credit, depending on the amount of loans that your lender has at the time.
In closing, take a close look at the HARP 2 Refinance if you otherwise certify – meaning your credit is owned by Fannie or Freddie. And also, you can abide by the link above to view who already owns your credit. Tip: it is undoubtedly not the provider you are presently sending your once per month repayment to.
Well, if people refinance their residences at lesser interest rates, it means that they have additional money in their pockets to devote. They will certainly will revive or boost their properties or buy even more up-to-the-minute automobiles etc. The knock on result of having even more fluid money rolling about could be observed extremely promptly as well as this should likewise induce the roles market as well. You may find out more information by trying refinancing underwater mortgage
Eddie Gamarra — Literary Manager
How long have you been agent and how did you get your start Eddie?
I am a literary manager/producer. I will have been at my current company for 5 years in June 2009. I first worked for Nickelodeon Home Video as the Executive Assistant and then became a Legal Assistant for Viacom Litigation back in the mid-90s while I was getting my MA in Cinema Studies from NYUs Tisch School for the Arts. I left the Biz and went to Emory and did a PhD in psychoanalysis and film from the Graduate Institute of Liberal Arts. I stayed on as a Visiting Assistant Professor but then missed the Biz so much I headed west with no job in 2003. I landed an assistant gig at Alloy (Gossip Girl, Sisterhood of the Traveling Pants) but moved to The Gotham Group in 2004.
What makes your agency different than any others?
The company was founded over 15 years ago and specialized in repping folks who worked in TV animation. Nowadays we cover writers, directors, authors, artists, publishers and animation studio who in all genres, all demographics and all media. Our company is known for repping an enormous library of underlying material. We also produce films, TV series, DVDs and online content.
What are you looking for specifically that you wish you would see more of?
Laugh out loud comedy scripts. They are the hardest thing to find.
Eddie what are you tired of receiving?
Books about girls and their first kiss.
How can a new writer get your attention in a good way?
Their writing should pop. It should be well-written and clean. I was a professor so it always kills me when I read poorly written and sloppy work. It should be commercial but fresh.
How can a signed writer stay in your radar without driving you insane?
Not sure what you mean by a signed writer.
What do you wish more writers understood about you as an agent Eddie that they don’t seem to?
As a manager, I wish more writers understood the fiscal and legal machinations of the industry. I wish they understood that we read tens of thousands of pages a year and that current clients/deals always have to take priority, so the review & response process can be terribly slow. Writers should also research thoroughly the nature of the company to which they are reaching out. Dont pitch a horror to a company that does comedy.
What’s the best way for a writer to reach you?
By referral. Cold calls and submissions get dumped immediately. There are valid legal reasons for this. We work in the field of intellectual property and writers should never just send out their ideas willy nilly. We need an exec, an agent, a lawyer or a current client to refer folks to us.
Invest your money in Brampton Real Estate
The city of Brampton offers you a diverse and vibrant lifestyle between some of the finest flower beds and most beautiful gardens. It is the second fastest growing city and 11th largest city of Canada. Standard & Poor’s provided it triple ‘A’ credit ranking for its economic importance. It is situated near Lester B. Pearson International Airport and boasts of some of the best businesses in manufacturing, retail and wholesale sector.
If you are planning an investment in Real Estate, Brampton offers you great opportunities. It has been recognized as an Internationally Safe Community by World Health Organization. A recent study by Real Estate Investment Network states that the investment in Brampton Real Estate will increase in next three to five years. It has been placed fifth in “Top Ontario Investment Towns 2011-2015 Report.” .”
This city offers some great parks with ample outdoor sports facilities. It has libraries, hospitals, educational facilities, shopping centers and religious places all in easy reach from every place. It has residents from different parts of world, with different languages and different cultures. So it is one of the few places of world, where you can get a glimpse of diverse cultural values.
So if you want a great return on your investment, Brampton Real Estate can be a perfect choice. You’ll never regret your investment in here. This city has shown a steady and continuous economic growth in last 10 years. The studies predict that by 2031, the City’s population will grow to some 725,000 that is at present about 500,000. It creates an optimistic picture for home’s demand in coming future.
If you love large open spaces and big houses, Castlemore provides you all that you need. You can feel a touch of open air and can reach Brampton or Vaughan within minutes from it. Many big projects are under construction in this city of possibilities. Before investing in here , it is necessary to get the assessment of Castlemore home values from a good home appraiser.
The city of Vaughan has everything to attract investors’ attraction. Its rich arts and culture are enchanting to your mind. McMichael Canadian Art Collection gives you the glimpse of some finest pieces of Candadian arts. This city has a rich historical importance. It is home to all necessary facilities including entertainment, health, schools, shopping and night life. If you want a safe investment of your money, you can search for Vaughan homes for sale . Daniel James is an expert in Castle Home values and Vaughan Homes for sale. He has written many articles in real estate and has helped people to gain more through their investment in Brampton real estate and Vaughan homes for sale. He can provide professional advice on Canadian real estate market.
Commercial Mortgage Refinance THE RUDIMENTARIES OF COMMERCIAL REFINANCE LOANS.
Commercial refinancing is a loan option where business owners are given the option of refinancing their loans after a period of time. This helps them to consolidate already existing loans which in turn allows them to make a single payment on the loan. Business owners need to be aware of certain matters before they take out a commercial refinancing loan. These encompass the various needs and requirements as well as his capability to pay off the loan.
The chief consideration taken into account by lenders before the approval of a loan is the purpose of that loan as well as the potential for profit. They often do not have a pre-conceived set of conditions regarding the size or efficiency of the business. A number of documents are required to be provided by the borrower so as to evidence the growth viability of the business. These documents are furnished with the objective of speeding up the loan process and eliminating any ambiguities therein.in.
Great flexibility is offered since lenders have taken to the custom of formulating tailor-made plans suited for the specific requirements of each borrower. Secured and Unsecured are the main categories of the loan. Secured loans are taken against immoveable property while unsecured loans are taken without any security. This form of categorization has paved the way for the emergence of new and budding entrepreneurs. Placing of security normally avails higher loan amounts. This sort of security ranges from home, real estate or any other asset that may be valuable. Unsecured loans, on the other hand, normally attract smaller loan amounts due to their nature.
The benefit of commercial refinance loans is the allowing of borrowers to gain from relaxed terms and conditions attaching to a new loan.
In fact borrowers will take out a commercial refinancing loan if they feel that the terms and conditions are available in the market with the other lenders. Borrowers who have a bad credit history should rest assured since they are also viable candidates for commercial refinancing loans. The only point that the borrowers need to show to the lenders is that the business venture in issue has the capacity to grow and make profit in the near future. If they can do this, then they will be able to take out a loan with no hassles whatsoever. The availability of these loans is good for the sorting out of problems which may come up in the borrower’s business. A number of these problems are involved with brand extension, line extension and starting of a new venture. It is also beneficial in the provision of required capital for assembling the required infrastructure, machines and raw materials.
Presently, the business environment is expanding and developing rapidly. This sort of climate has spurred the development of these commercial refinance programs.
Condominium Being A Good Home
If you are in the market and are looking for a home to live on as a fresh start, you could have considered purchasing a condo. Though you may hear good things a lot about condo but there are things that every person never overlook by asking questions regarding the positives and negatives of condominium dwelling. You need to understand that there are many positive aspects which can truly enjoy a lot of which are unavailable within a single family house. You should check out a lot of the positive aspects to condominium living.
First thing and for most, people do want to buy a condo for the reason that they want to be living safely. There are lots of condo buildings provide safety services. This may consist of a gated property line with appointed guards, surveillance camera, or a building with an exterior code necessary for access. If you ever value your level of comfort and are not thinking about door to door dealer interrupting your home living, you can think of a condominium neighborhood that guards you and your property.
The good thing about condo is most of them provide exercise accessibility. They provide occupants a usage of exercise amenities. The preservation associated with these kinds of facilities usually occurs out of your condominium payment, providing you relish all of services. You dont have to go out from your condo just to go look for any fitness center outside.
Also the positive things about the condo are the less amount of work. You wont be getting frustrated in doing all the lawn work since you dont have to do lawn things anymore. Depending on the shape of the complex, you will not have to bother about mowing a yard or landscape designs. The condominium association will have to take care any of that.
If you are searching for an excellent expenditure of money that will let you eventually, on the other hand, think about searching for a condo and find the possibilities available for you new home. Make the condo you choose become as your very own home. They could give you the comfort and the security that you are looking to.