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Added for You - Real Estate Trends- The Pros and Cons of Jumping into the Housing Market
Do Friends Let Friends Publish E-Books?
I was exchanging correspondence with a fellow writer when he mentioned his interest in morphing from being an article contributor into becoming an e-book author and publisher.I want to share my take on this with you, as well as what I told him regarding conventional book publishing.What I'd like to know is:(1) Who is making real money in e-books?(2) What are their topics?(3) What is their pricing?(4) How are they promoting them?(5) Are there commercial lists available for rent or purchase of recent e-book buyers?Conventional book publishing seems to get harder all the time with industry mergers offering fewer buyers to the author, but more significant is the fundamental flaw in how books are acquired by book retailers:It's by consignment.So, let's say Barnes & Noble orders 10,000 copies of my latest book, but sells only 5,000.The unsold copies are either discounted-in-place by publishers, meaning B & N gets to cut the invoice price, or they are sent back to the publisher. And there is no time limit for returning them. A book could be out of print for years and returns trickle in and credits are paid out.Anyway, retailing of books has become a "fashion" business, driven by fad, celebrity titles, and the like, so it's too bad for most authors.Plus, and this is wild, most books being retailed are bought by women, so I was informed by a woman senior
house payment; it is likely they were unable to make other required payments. If there is a lien on the property, the new owner may be expected by the state or county to pay these fees.I was exchanging correspondence with a fellow writer when he mentioned his interest in morphing from being an article contributor into becoming an e-book author and publisher.I want to share my take on this with you, as well as what I told him regarding conventional book publishing.What I'd like to know is:(1) Who is making real money in e-books?(2) What are their topics?(3) What is their pricing?(4) How are they promoting them?(5) Are there commercial lists available for rent or purchase of recent e-book buyers?Conventional book publishing seems to get harder all the time with industry mergers offering fewer buyers to the author, but more significant is the fundamental flaw in how books are acquired by book retailers:It's by consignment.So, let's say Barnes & Noble orders 10,000 copies of my latest book, but sells only 5,000.The unsold copies are either discounted-in-place by publishers, meaning B & N gets to cut the invoice price, or they are sent back to the publisher. And there is no time limit for returning them. A book could be out of print for years and returns trickle in and credits are paid out.Anyway, retailing of books has become a "fashion" business, driven by fad, celebrity titles, and the like, so it's too bad for most authors.Plus, and this is wild, most books being retailed are bought by women, so I was informed by a woman senior
House Flipping
Flipping is old as real estate itself; however, with the astronomical rate that property values have grown to in the last 10 to 15 years, many amateur investors have gotten in on the flipping game. Often an investor will buy a rundown or foreclosed home and provide it with some much needed TLC. They will renovate and remodel, upgrading kitchens, bat
Credit Card Interest Rates
If you are concerned about the credit card interest rates you are being offered, or any other terms or conditions that you feel are unfair or less favourable than those to which you are entitled to, you may wish to familiarise yourself with the Fair Credit Reporting Act or FCRA as it is abbreviated. This law is primarily aimed at ensuring that people’s credit reports are kept accurate and up to date, as well as protecting your privacy in financial matters such as these. It is governed and enforced by the Federal Trade Commission, which takes on the role of protecting consumers at a federal level.Therefore if you feel that you are being cheated or there is something afoul with the credit card interest rates you are being offered, you may wish to get into contact with the Federal Trade Commission to see what exactly your rights are in this regard. You should always make a point of understanding and being up to date with these rights whenever you are negotiating for new credit, or an improvement in the terms of your existing credit, since such knowledge and information will improve your bargaining position and will help ensure that you are not taken advantage of by the big credit providers and banks that you will be dealing with.With regard to your credit report, there is a free disclosure rule in the Accurate Credit Transactions Act that gives you a right to view your credit report for free. This right applies to the credit
It is still the American dream to have our own little chunk of land. It is estimated that more than 70 million Americans own their own home. With the growing interest in real estate, it is becoming easier than ever to be approved for a loan and move into your dream house. However, real estate isn’t just about carving out your piece of the world anymore, it is a booming business and game with advantages and disadvantages left and right.
Some growing trends in the housing industry include buying foreclosures, flipping homes, investing in new construction, taking out interest only loans and using reverse mortgages; all are increasing in popularity. The market has shifted from working for your home, to learning how your home can work for you. But, just like every genie in a bottle, there is often a catch to making your wishes come true.If you are concerned about the credit card interest rates you are being offered, or any other terms or conditions that you feel are unfair or less favourable than those to which you are entitled to, you may wish to familiarise yourself with the Fair Credit Reporting Act or FCRA as it is abbreviated. This law is primarily aimed at ensuring that people’s credit reports are kept accurate and up to date, as well as protecting your privacy in financial matters such as these. It is governed and enforced by the Federal Trade Commission, which takes on the role of protecting consumers at a federal level.Therefore if you feel that you are being cheated or there is something afoul with the credit card interest rates you are being offered, you may wish to get into contact with the Federal Trade Commission to see what exactly your rights are in this regard. You should always make a point of understanding and being up to date with these rights whenever you are negotiating for new credit, or an improvement in the terms of your existing credit, since such knowledge and information will improve your bargaining position and will help ensure that you are not taken advantage of by the big credit providers and banks that you will be dealing with.With regard to your credit report, there is a free disclosure rule in the Accurate Credit Transactions Act that gives you a right to view your credit report for free. This right applies to the credit
These are a few pros and cons to these growing housing trends:
Foreclosures
A foreclosure is a home or property that has been repossessed by the bank or mortgage company because the previous owners could not make their payments.
Pros
- Since the mortgage company would like to get rid of the property as quickly as possible often the home is sold or auctioned at a price considerably lower than it’s market value. Often the house is sold only for what is owed on it.
- Foreclosures often enable those who wouldn't be able to afford the home of their dreams a chance. Sometimes you can get a great property at a great price.
Cons
- Sometimes, especially at auctions, foreclosures are sold “site unseen.” Which means you could be buying a home with a serious number of problems. And in the end, the money saved getting the property could easily be spent in repairs.
- This brings us to our second point. Often those being evicted know they are being kicked out of their home and destroy the place before they leave, which could create many fixer upper projects for the new owner.
- If the address or neighborhood information is available, do a little research. Sometimes the house is worth less than the amount of money owed.
- Beware of liens on the property, such as unpaid property taxes. Consider if the previous owner was unable to make the house payment; it is likely they were unable to make other required payments. If there is a lien on the property, the new owner may be expected by the state or county to pay these fees.
House Flipping
Flipping is old as real estate itself; however, with the astronomical rate that property values have grown to in the last 10 to 15 years, many amateur investors have gotten in on the flipping game. Often an investor will buy a rundown or foreclosed home and provide it with some much needed TLC. They will renovate and remodel, upgrading kitchens, bath
What Help is there for Veterans Starting a Business?
Some of the very qualities that attract people to the military life are what make them good candidates for an internet based home business. What are these qualities? A sense of adventure, an attraction to signs of leadership and the ability to discern what constitutes a good leader, courage and idealism and an understanding of the joy of testing one’s own limits.A sense of adventure: What could exemplify this more than launching out with a good idea and seeing where it can take you? This was the spirit of the pioneers who settled this country and is a unique part of the American character. Attraction to good leadership: This is one of the things that make corporate life – indeed life spent working in someone else’s business so difficult for many – the fact of having to put up with what we know is incompetent or uncaring leadership because someone else, not of our choosing, is in charge of every aspect of our work life. Being our own boss in a home based business we at least know we don’t have to answer to someone we do not admire or respect. Courage and idealism: We have the opportunity to pioneer, follow our dream and run our work life according to our own ideals and ethics. Finally, testing one’s own limits: this is the bottom line for a home business idea – how far you go is limited only to your own abilities and ambition. No one can stand in your way.So, you are a veteran and want to start your own in
ly loans and using reverse mortgages; all are increasing in popularity. The market has shifted from working for your home, to learning how your home can work for you. But, just like every genie in a bottle, there is often a catch to making your wishes come true.Some of the very qualities that attract people to the military life are what make them good candidates for an internet based home business. What are these qualities? A sense of adventure, an attraction to signs of leadership and the ability to discern what constitutes a good leader, courage and idealism and an understanding of the joy of testing one’s own limits.A sense of adventure: What could exemplify this more than launching out with a good idea and seeing where it can take you? This was the spirit of the pioneers who settled this country and is a unique part of the American character. Attraction to good leadership: This is one of the things that make corporate life – indeed life spent working in someone else’s business so difficult for many – the fact of having to put up with what we know is incompetent or uncaring leadership because someone else, not of our choosing, is in charge of every aspect of our work life. Being our own boss in a home based business we at least know we don’t have to answer to someone we do not admire or respect. Courage and idealism: We have the opportunity to pioneer, follow our dream and run our work life according to our own ideals and ethics. Finally, testing one’s own limits: this is the bottom line for a home business idea – how far you go is limited only to your own abilities and ambition. No one can stand in your way.So, you are a veteran and want to start your own in
These are a few pros and cons to these growing housing trends:
Foreclosures
A foreclosure is a home or property that has been repossessed by the bank or mortgage company because the previous owners could not make their payments.
Pros
- Since the mortgage company would like to get rid of the property as quickly as possible often the home is sold or auctioned at a price considerably lower than it’s market value. Often the house is sold only for what is owed on it.
- Foreclosures often enable those who wouldn't be able to afford the home of their dreams a chance. Sometimes you can get a great property at a great price.
Cons
- Sometimes, especially at auctions, foreclosures are sold “site unseen.” Which means you could be buying a home with a serious number of problems. And in the end, the money saved getting the property could easily be spent in repairs.
- This brings us to our second point. Often those being evicted know they are being kicked out of their home and destroy the place before they leave, which could create many fixer upper projects for the new owner.
- If the address or neighborhood information is available, do a little research. Sometimes the house is worth less than the amount of money owed.
- Beware of liens on the property, such as unpaid property taxes. Consider if the previous owner was unable to make the house payment; it is likely they were unable to make other required payments. If there is a lien on the property, the new owner may be expected by the state or county to pay these fees.
House Flipping
Flipping is old as real estate itself; however, with the astronomical rate that property values have grown to in the last 10 to 15 years, many amateur investors have gotten in on the flipping game. Often an investor will buy a rundown or foreclosed home and provide it with some much needed TLC. They will renovate and remodel, upgrading kitchens, bat
Getting a Federal EIN for Your Start-Up Business - One Little Form - So Many Questions
One of the first questions start up businesses have is…"How do I get an EIN?"Before we look at the how to get this magic number, you need to make sure you really need one.If you have a sole proprietorship, with no employees, you do not need an EIN. The Federal Employer Identification Number, or EIN, is an IRS reference number for your business. As a sole proprietorship, your Social Security Number is the only number you need. You do not need an EIN until you hire your first employee.Remember, your states and cities have their own requirements for business licenses, so you need to check with your state and city agencies to determine whether you need a business license in your area. The requirements in each state vary widely, from paying a small fee, to requiring testing, insurance and bonding, depending on the type of your business, entity, or your level of activity.If you have a partnership, corporation, LLC, or plan on hiring employees, you need to apply for a Federal EIN. For business entities other than sole proprietorships, your Federal EIN acts like a Social Security number for your business entity. Banks require a Federal EIN to open a bank account, and your vendors may require you to give them this number for Form 1099 reference purposes.Your business entity only needs one EIN. Your company may operate multiple business entities under different dba (doing business as) names, but eac
would like to get rid of the property as quickly as possible often the home is sold or auctioned at a price considerably lower than it’s market value. Often the house is sold only for what is owed on it.One of the first questions start up businesses have is…"How do I get an EIN?"Before we look at the how to get this magic number, you need to make sure you really need one.If you have a sole proprietorship, with no employees, you do not need an EIN. The Federal Employer Identification Number, or EIN, is an IRS reference number for your business. As a sole proprietorship, your Social Security Number is the only number you need. You do not need an EIN until you hire your first employee.Remember, your states and cities have their own requirements for business licenses, so you need to check with your state and city agencies to determine whether you need a business license in your area. The requirements in each state vary widely, from paying a small fee, to requiring testing, insurance and bonding, depending on the type of your business, entity, or your level of activity.If you have a partnership, corporation, LLC, or plan on hiring employees, you need to apply for a Federal EIN. For business entities other than sole proprietorships, your Federal EIN acts like a Social Security number for your business entity. Banks require a Federal EIN to open a bank account, and your vendors may require you to give them this number for Form 1099 reference purposes.Your business entity only needs one EIN. Your company may operate multiple business entities under different dba (doing business as) names, but eac
Cons
- Sometimes, especially at auctions, foreclosures are sold “site unseen.” Which means you could be buying a home with a serious number of problems. And in the end, the money saved getting the property could easily be spent in repairs.
- This brings us to our second point. Often those being evicted know they are being kicked out of their home and destroy the place before they leave, which could create many fixer upper projects for the new owner.
- If the address or neighborhood information is available, do a little research. Sometimes the house is worth less than the amount of money owed.
- Beware of liens on the property, such as unpaid property taxes. Consider if the previous owner was unable to make the house payment; it is likely they were unable to make other required payments. If there is a lien on the property, the new owner may be expected by the state or county to pay these fees.
House Flipping
Flipping is old as real estate itself; however, with the astronomical rate that property values have grown to in the last 10 to 15 years, many amateur investors have gotten in on the flipping game. Often an investor will buy a rundown or foreclosed home and provide it with some much needed TLC. They will renovate and remodel, upgrading kitchens, bat
Making Money List Building – Good Idea or Bad for Business?
You’ve seen the pop-up ads for a free laptop, digital camera, gift card to a popular restaurant, iPod, cell phone, etc. Who hasn’t been tempted to follow the yellow brick road and find a great surprise waiting at the end of the click?Well, if you follow this online marketing strategy you will find that it requires much more than a simple “Fill in the form and we’ll send you your prize.” In most cases you are required to enter your email address first. As a business owner you recognize that gathering the email address is the most important aspect of list building.Next on this trip to ‘Free Gift Land’ visitors are asked to either fill out a multi-page questionnaire or consider accepting an offer from a third party sponsor. This cycle is repeated numerous times with numerous clients.You will likely be expected to consider (or even accept) at least one additional offer that is not free. More often than not you race through the process and fail to recognize there are certain boxes that are checked that invite the company to either place software on your computer, sign you up for additional emails, give them permission to sell your email address to third parties or other equally frustrating offers.At this point many individuals will exit the process without reaching the goal of a ‘free’ prize, which by now seems very costly indeed. At this point the company has your email address, they may have loaded software on
he end, the money saved getting the property could easily be spent in repairs.You’ve seen the pop-up ads for a free laptop, digital camera, gift card to a popular restaurant, iPod, cell phone, etc. Who hasn’t been tempted to follow the yellow brick road and find a great surprise waiting at the end of the click?Well, if you follow this online marketing strategy you will find that it requires much more than a simple “Fill in the form and we’ll send you your prize.” In most cases you are required to enter your email address first. As a business owner you recognize that gathering the email address is the most important aspect of list building.Next on this trip to ‘Free Gift Land’ visitors are asked to either fill out a multi-page questionnaire or consider accepting an offer from a third party sponsor. This cycle is repeated numerous times with numerous clients.You will likely be expected to consider (or even accept) at least one additional offer that is not free. More often than not you race through the process and fail to recognize there are certain boxes that are checked that invite the company to either place software on your computer, sign you up for additional emails, give them permission to sell your email address to third parties or other equally frustrating offers.At this point many individuals will exit the process without reaching the goal of a ‘free’ prize, which by now seems very costly indeed. At this point the company has your email address, they may have loaded software on
House Flipping
Flipping is old as real estate itself; however, with the astronomical rate that property values have grown to in the last 10 to 15 years, many amateur investors have gotten in on the flipping game. Often an investor will buy a rundown or foreclosed home and provide it with some much needed TLC. They will renovate and remodel, upgrading kitchens, bat
Cheap Neon Signs
Neon signs were first invented in the beginning of the twentieth century. This effective medium of advertisement is considered to be cost effective as their electrical cost is comparatively low in spite of being lit from dusk to dawn. They do not have filaments that can be damaged and can be use for an extended period. These factors make them an economic means of advertising.Neon lights are colorful and vibrant in nature. This visual medium meets local marketing needs and consequently helps increase customers and business. In relation to retail and multi national businesses, wholesale neon light purchases prove to be favorable. When searching for a cheap neon light source, potential customers may search at local and online stores or find locations from yellow pages.To determine an actual cheap neon lights source, buyers need to indulge in comparison-shopping. This is important because neon lights are not industrially manufactured but are created by skilled craftsmen. For this reason their prices tend to vary. Buyers must compare products, features and prices to find a cheap neon lights source. Neon signs are widely available in more than 150 colors. Since neon light by it self is known to produce a vibrant red shade, manufacturers have tried and tested various combinations to develop new color ranges. Prices vary depending upon how neon lights are created. This includes an arrangement of inert gases, use of fluorescent po
house payment; it is likely they were unable to make other required payments. If there is a lien on the property, the new owner may be expected by the state or county to pay these fees.Neon signs were first invented in the beginning of the twentieth century. This effective medium of advertisement is considered to be cost effective as their electrical cost is comparatively low in spite of being lit from dusk to dawn. They do not have filaments that can be damaged and can be use for an extended period. These factors make them an economic means of advertising.Neon lights are colorful and vibrant in nature. This visual medium meets local marketing needs and consequently helps increase customers and business. In relation to retail and multi national businesses, wholesale neon light purchases prove to be favorable. When searching for a cheap neon light source, potential customers may search at local and online stores or find locations from yellow pages.To determine an actual cheap neon lights source, buyers need to indulge in comparison-shopping. This is important because neon lights are not industrially manufactured but are created by skilled craftsmen. For this reason their prices tend to vary. Buyers must compare products, features and prices to find a cheap neon lights source. Neon signs are widely available in more than 150 colors. Since neon light by it self is known to produce a vibrant red shade, manufacturers have tried and tested various combinations to develop new color ranges. Prices vary depending upon how neon lights are created. This includes an arrangement of inert gases, use of fluorescent po
House Flipping
Flipping is old as real estate itself; however, with the astronomical rate that property values have grown to in the last 10 to 15 years, many amateur investors have gotten in on the flipping game. Often an investor will buy a rundown or foreclosed home and provide it with some much needed TLC. They will renovate and remodel, upgrading kitchens, bathrooms, floors and landscaping often in a short period of time. Then they will turn around and sell the house for a considerable profit. However, this is a risky business and there is huge window for failure. Just like gambling there is potential to win big, but there is also opportunity for great loss.
Pros
- If done correctly a lot of money can be made very quickly. Sometimes investors bankroll two or three times what they originally put into the property.
- There is great potential for learning how real estate works and thus, some become experts and in some cases make a fulltime job of house flipping.
Cons
- This is a high–risk endeavor. Sometimes the cost of renovations, mortgage and time ends up costing more than your eventual profit margin.
- Frequently these homes need a lot of work. For the best returns, kitchens, bathrooms and floors all need to be replaced. Some can get away with splashing on a coat of paint and calling it good, but these are not the people rolling in the dough.
- Know if you can afford the property in advance. It doesn’t do any good to buy a house and sit on it for several months if you can't afford to make the payments not only to the bank, but to your contractor, landscaper and real estate agent. Make a plan before ever spending a dime.
- Most flippers buy homes that are several years old and often they have unanticipated problems lying under the surface such as foundation cracks, termites or mold. Have a back up budget just in case renovations do not go as smoothly as planed.
- Usually the investor has to pay the buyer and seller realtor commission.
- Flipping a home too quickly may result in a tax audit. If the money made off a house flip does not immediately roll into a similar investment, ie. another house flip, your profit may be subject to a capital gains tax.
Buying a Newly Constructed Home
Although the concept is old, it seems many rural farmers are selling their land to large contracting companies. Newly constructed homes in newly developed subdivisions are a popular choice for those with children or starting families.
Pros
- Everything in the house is new. Since no one has used th
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