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Flipping is simply the quick selling of a property that one has just purchased. The sale may take place that very day, or even at that very closing. The idea behind this practice is, if a property appreciates and I’m just going to turn around and resell it at a profit anyway, why wait? Why not buy up a whole bunch of properties, sell them quickly and make a ton of money?

See the allure? It can be done, but it is a tricky business. You cannot be a successful flipper without using some finesse. For instance, many people think they are being hugely clever by working the seller and the buyer against each other. The flipper, who sets himself up as a middleman without the knowledge of either party, actually gets the seller to agree to sell to him, then runs to the buyer for the cash, from which he pays the seller. Using this method, he makes the purchase without even using any of his own cash. Afterward, he simply pockets the difference.

But if he has sold a property to the buyer that isn’t actually his, and the seller learns what is going on, there could be trouble. The seller, aware that the flipper is in dire straits, will probably up his price. The seller now knows the buyer is expecting that property. It is even possible that the flipper has sold the property to the buyer and is then turned down by the seller. This puts the flipper in the position of having just sold something he can’t deliver.

According to Ken McElroy, author of “The ABCs of Real Estate Investing,” there are, however, companies that flip very successfully. This is because they follow a few simple rules, such as never selling something they haven’t actually purchased. On the surface, that sounds like such a basic idea, it is not necessary to mention it. However, you would be surprised if you knew the number of people who try to get away with not following this simple rule.

The companies who flip will resell a property that very day if at all possible, but they don’t sell at the very closing where they purchased the property. Instead, thy use mailing lists they have built over time to send out bulletins that they have a property for sale. It can cost hundreds of dollars to get the word out and arrange meetings. It can also require an entire staff to do it quickly enough to make it pay off.

Because of those particular limitations, it is often not lucrative for an individual to attempt flipping properties, although, conceivably, a particularly savvy individual could indeed make it pay off. The question is, is it a good approach for you?

About the Author:
Alex Anderson Connects Investors With Florida Investment Properties and Minnesota Real Estate Investment Property in Appreciating Markets.

When most people think about marketing, they think advertising.
While advertising is a part of marketing, marketing is much
bigger than advertising. There are lots of different marketing
methods floating around out there, and the challenge as a
business owner is figuring out when it’s appropriate to use each
one and the best way to use it.

Public relations, or PR, is the art of getting someone else to
write or talk about you or your business. Preferably in a
favorable manner. Traditionally, “someone else” was the media. In
this day and age however, someone else can also be a blogger, a
freelance writer, an e-zine publisher or even an owner of a big
Web site. For purposes of this article, I’m using the word
“media” to refer to all of those folks.

PR is also being able to get yourself on a big talk show to talk
about yourself or your business, or writing your own article
that’s published in a desired outlet. (Not your own newsletter or
Web site.)

PR is one of my favorite marketing methods, but it can also be
one of the more frustrating ones. Even when you do everything
right, you still might not get the publicity you want. Or for
that matter, ANY publicity at all. When a PR campaign doesn’t
work, you can find yourself wanting to pull out all your hair in
frustration.

Even with that in mind, I do believe most if not all businesses
can benefit from some type of PR campaign. But before you launch
into something that could end with you becoming hairless (and
investing in a sizeable hat collection) ask yourself the
following questions.

1. Do I need to see results right away? If you do, better pull
out your wallet and pay for some advertising. PR takes time. And
it’s not guaranteed. You might not see your article for weeks,
months or ever, and there isn’t a darn thing you can do about it.
If it’s immediate gratification you want, don’t look for it in a
public relations campaign.

2. Do I have the time to consistently devote to a public
relations campaign? We’re back to the time issue. PR not only
takes time to see results, but you also have to take time to make
it happen. Either you have to do it or you have to pay someone
else to do it. If you do it yourself, you’ll have the potential
of garnering the equivalent of thousands of dollars of
advertising for little or no money. But it will cost you some
time. If you pay someone else, you’ll save time (which is a good
thing, I’m a big believer in outsourcing) but it can get
expensive. Worse yet, you STILL might not get any coverage for
your money.

3. Do I have enough perseverance to run a PR campaign? PR is
about follow-up. It’s about sending story idea after story idea
to the same reporter before one finally connects (and maybe it’s
the tenth one). It’s about sending a little note or letter to the
same editor for as long as several years before you get a bite.
It’s about reminding your contacts you’re out there until one day
they realize they need you.

If you’re willing to court the media, develop relationships and
do whatever you can to make their lives easier, the rewards can
be huge.

4. Do I have newsworthy events happening at my business?
(Newsworthy is something media personnel feel would interest
their readers.) Or, if I don’t, can I create them?

I’m not talking about making things up here. But there are things
you can be doing to make your business more newsworthy. For
example, you can do a survey and publish the results. You can tie
a feature of your product or service to something that’s
currently happening in the news. You can hold an event. You can
research a newly published study that relates to your product or
service. There are countless ways you can transform aspects of
your business into newsworthy story items — the creativity
exercise below can help you come up with your ideas.

5. Do I want to build my credibility? Develop my status as an
expert? Then get that PR campaign off the ground. Nothing builds
your credibility or expert status faster than having other people
say you know what you’re talking about.

6. Do I want to augment my other marketing efforts? Public
relations definitely plays nicely with the other marketing
methods. You can be building your long-term expert campaign with
PR and building short-term customers with advertising. Or you can
turn your community relations strategies into PR campaigns. It’s
a great way to get the most bang out of your marketing time and
dollar.

Creativity Exercise — How can you use PR in your business?

Grab some sheets of paper and pen (I like the fun gel pens
myself) and get ready for some brainstorming.

Start by listing everything you do or sell. Then write out all
the features or descriptions of your products or services. For
instance, if you have a book, what is your book about? What does
it offer people?

Now see if you can turn those features into something newsworthy.
Is there a time of year when people are interested in your
services? (Accounting and tax season). Are there any studies you
can dig up? Is there something in the news that ties into your
product? Can you turn an aspect of your business into a human
interest story? (Something like fitness tips for busy people or
parenting tips for single parents, etc.) Write everything down
that comes into your head, even if it’s silly. See if you can
come up with 50 story ideas.

Now look at what you wrote. Can you find a few in there that you
think would interest the media? Congratulations — you just came
up with a PR campaign.

———————————————————————
Michele Pariza Wacek is the author of “Got Ideas? Unleash Your
Creativity and Make More Money.” She offers two free e-zines
that help subscribers combine their creativity with hard-hitting
marketing and copywriting principles to become more successful
at attracting new clients, selling products and services and
boosting business. She can be reached at:
http://www.TheArtistSoul.com. Copyright 2005 Michele Pariza Wacek

What is a Secured Loan?

A secured loan is any loan that is secured on your home or property.
It is any loan which requires you to provide the lender with some
form of security other than just a promise to pay. The security will
be your property or home. The property may be mortgaged or owned
outright.

If you agree to a secured loan on your home, you should remember
that, although the property remains in your possession, it can be
repossessed by the lender if the loan and the interest are not paid
according to the agreed terms. The lender will then sell the
property in order to recover the money you borrowed plus any
additional costs incurred in recovering the money.

Secured Loan Benefits

In many instances secured loans can be repaid over a longer period
with a lower monthly repayment. The interest rate will be lower on a
secured loan than on a comparable unsecured loan. A secured loan may
also offer more flexible repayment periods.

1. If you’re a homeowner, you may get a lower rate through a
secured loan using your property as security. By taking out a
secured loan, you are agreeing to allow the forced sale (foreclosure
or repossession) of the asset in order to pay back the loan. The
risk to the lender is reduced so the interest rate offered is lower.
This is why secured loans tend to be cheaper than unsecured loans
and other forms of borrowing. The lender has the added benefit of
security, which provides protection in the event of your inability
to repay.

2. Secured loans are more easily accessible to those with a poor
credit record. This means that persons who are self-employed, or who
have recently changed jobs, or who have adverse credit (ccjs,
arrears, defaults, etc.) can take out a secured loan.

3. You can borrow larger amounts and repay over a longer period. The
amount available usually ranges from £3,000 to £50,000, although
some lenders will consider lending more. Compare this to unsecured
loans where you’re only allowed to borrow up to £25,000. If you wish
to borrow a larger amount or if you require a longer period in which
to repay the loan, secured loans may be the most suitable for you.

4. You can consolidate more expensive borrowings into a single much
cheaper monthly payment. You may choose to take out a secured loan
in order to consolidate debts and replace high-interest loans with a
low-rate loan. The loans being consolidated may include higher
purchase loans, unsecured loans and credit cards.

Useful Points to Remember

Before you take out a secured loan, make sure that you can afford
the monthly repayments. Also, read the loan agreement carefully and
pay particular attention to the rate of interest required, the term
of the loan, the repayments required and the total amount payable.
If you fail to repay the loan, the lender may repossess your
property or home and sell it to repay the loan. If you borrow money
using a mortgage as security you are agreeing that the lender can
claim the mortgaged property if you fail to keep to the agreement.
Your home is at risk if you do not keep up repayments on a mortgage
or other loan secured on it. You can read some more articles about
secured loans at: http://www.commercial-mortgage-guide.org.uk/loanguide/

© Copyright 2005, Bwalya Mwaba writes for the The Commercial
Mortgage Guide. Visit our website for mortgage related news,
articles, tools and more: http://www.commercial-mortgage-guide.org.uk/. This article may be reprinted as long as all the
above links are active and clickable and this author box (byline) is
not edited.

Most of us want a good credit report to obtain vehicle
financing, credit cards for emergencies and luxuries, and to
finance a home mortgage. However, beyond these consumer
loans, a great credit report makes your life easier.

Having a credit card means that you can order tickets, rent a
car, and reserve hotel rooms. Your strong credit score makes
it easy for you to arrange cell phone service and necessary
utility services, without large deposits.

Besides these conveniences, your credit report can mean that
you must pay high deposits and rates for everyday services.
Did you know that poor credit history can keep you from
getting utility connections, good telephone rates, the best
auto insurance, high-quality home owner’s insurance, or even
prevent you from getting hired?

Some utility companies set minimum standards for service
connections. If your report shows collection accounts for
prior utility bills, you may not be eligible for service at
all. And if they do agree to connect your service, you’ll
need to pay a higher deposit than another customer with good
credit, who may not need to make any deposit. The same
requirements exist for telephone services. People with high
credit scores don’t need to pay deposits for home telephone
or cell phone services.

What many people don’t realize is that good credit enables
them to get better insurance rates. High-quality, low-cost
home owner’s insurance, auto, and life insurance companies
set minimum credit standards for their policy holders. This
means that consumers with poor credit have to pay more for
less coverage. Many automobile insurance companies now base
monthly premiums on credit scores. These companies offer a
17% discount if your score is over 625 and a 25% discount if
your score is over 725. Why? Because according to consumer
surveys, people who care about their credit also take care of
their property and drive with caution.

Terrible credit can cost you a job. More and more employers
look at a candidate’s credit report and hire the person with
better credit, assuming that better credit equals better
integrity and character.

What you don’t know about your credit could be hurting you.
Don’t wait until you need your credit to work on any
problems. Strong credit translates to personal reputation.

———————————————————————
Copyright (c) 2005 Jeanette J. Fisher. All rights reserved.

Jeanette Fisher, author of “Credit Help! Get the Credit You
Need to Buy Real Estate,” helps people buy their dream home
or finance multiple investment properties. Jeanette teaches
real estate investing and Design Psychology. For help with
your credit or answers to your questions, visit the Real
Estate Help Credit Center at http://recredithelp.com/ Get
the credit you need to buy one house or twenty!