Tuesday, March 31, 2009

3/31 Fun LaughFun Laugh

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Private Lending: the Six Steps to a Private Lending Program for Real Estate Investors
March 31, 2009 at 5:06 am

Michel Lautensack asked:


Wow, has the real estate market changed in 2008! Real estate investors have been shut out of traditional mortgage money unless you have a 9000 credit score and a 50 year work history without missing one day of work (ok enough of the weak humor but you get the idea). Even hard money loans are HARD to get as they have all gone out business. But just as the mortgage market is shunning the investor - we are starting to see signs that the reals estate marketing is starting to bottom and home prices have even gone up in some markets. So how do you take advantage of this buying opportunity if you can not get mortgage money from traditional sources? Private lending is the answer. You can start borrowing money from private lenders to fund your real estate investments. Raising private money allows you to take advantage of the low prices without ever using any of your own cash or personal credit.

There are several significant benefits and advantages of private money lending compared to mortgage money or hard money lending. First, you can begin buying more houses for ?all cash? offers and drive significant discounts from sellers who are highly motivate to get cash versus waiting and hoping another buyer will get a mortgage approval.

Second, very simple paperwork with a typical private lender transaction only requires 3 or 4 documents with less than 20 pages. Third, the real estate investor controls the terms and conditions under which you will borrow money and the lender will lend. You tell the lenders what rates of interest you will pay, how long the term is and all the other conditions are set by you not a bank or hard money lender. Finally, you can turn many non-deals with no equity into super profitable deals with substantial equity by paying off existing debt at a discount… using private money. 6 Steps to develop a private money program for real estate investors:

1) Develop your private lending program and the terms and conditions under which you will borrow money and repay your lenders

2) Build your info/credibility kit to establish yourself as investing expert

3) Create a marketing plan with 5 to 10 different marketing techniques to attract potential private lenders

4) Create your group or one-on-one presentation

5) Schedule group or one-on-one meetings and follow-up with potential lenders

6) Present and close deals with your potential lenders Given the new market realities, private lending may be the only option if you want to buy and own investments and take advantage of the low prices.



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E-cards - Hollywood Cards, Bollywood Cards, Birthday Cards and Good Day Cards
March 30, 2009 at 4:21 pm

Good Humor
Webmaster asked:


Dreamsfuns is chosen one destination that provides E-Cards for all occasions! Browse through the multiple pages of the site to choose and pick your card across the different genres. We have large collection Hollywood cards, bollywood cards, congratulation cards, dogs and puppies cards, birthday cards, hugs and kisses cards, **** and hot girls cards, showing love e-cards, smile cards, good day cards, good afternoon cards, you name it and you shall get it here in Dreamsfuns.

Our Mission is to create a meaningful database complementing all our card sections so that the visitors get the widest selection range possible and can send the best greeting cards. Although greeting cards are usually given on special occasions, such as birthdays, Christmas or other holidays, they are also sent to convey thanks or express other feeling. We have thousands of ecards with rich graphics, animations and music to choose from various categories like Hollywood Cards, Bollywood Cards, Birthday Cards, Love Cards and Good Day Cards, Miss You Cards and so on which help you to express your feelings directly to your near and dear ones. Beside any occasion you can also send Flowers and Roses, Dogs and Puppies, Funny Pictures to the person whom you love or respect. Not only that, if you do not have enough time to give your friend or your family member a birthday wish, you can also send beautiful online birthday cards too. Through these cards you can also say sorry to your dearest one. Make your friend's birthday a special day by giving him/her a wonderful birthday card.

Wedding anniversary cards are available for him and her and for a couple. E-cards play music and help you convey the special message that you want to send. Within this category, you can choose messages for parents, grandparents, a special couple, cards that celebrate milestones in a marriage and if you did forget the anniversary of a special couple, you can send a belated ecard.

We help people to connect and express themselves in a fun and easy way through our website. These are highly popular in all the sectors of life. From businessman to students from lovers to a family we provide E-Cards for all to convey their messages.

Send an ecard to your colleagues at work to show that you appreciate all their efforts. If you know someone is having a hard day, you can send a humorous "Funny Pictures" card to help lighten their day and give them reason to smile. You can even send an ecard to your boss when the occasion doesn't call for a formal traditional card. Send congratulations on an achievement, wish someone well in another line of work, or celebrate a retirement. The possibilities are endless in this ecard category.

You must want to send these E-cards to someone because the graphics are very cute. This could be to a partner, a friend, co-worker or anyone you choose. You will really brighten a person's day by sending a really cute card that conveys the message that they are in your thoughts. It helps you to say more and give more to the important people in your life.



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Interviews Can Be Fun - If You Know How!
March 30, 2009 at 2:20 pm

Martin Haworth asked:


A good interview depends on the ability of the interviewer to get from the candidate all the best information. After all they have to find an excellent candidate to be successful for the role in question.

So together, in that little room where the interview is to be held, it’s a dance together to get the right relationship for both to succeed.

Here are some key steps you can take, before during and after the interview to ensure you have the very best opportunity for success!

1. Be clear on the useful experiences you’ve had and be prepared to share them. Interviewers want to know all about you and your capabilities, so share with them those occasions that you have had successes and why. In advance of this testing experience, if you have the time, set out to gain experiences you’ll be able to share, for the value they will create for you.

2. Think about the open questions that are coming. Your interviewer will want to discover things about you, so be prepared for those famous six open questions that will no doubt show up. Questions starting with ‘Who’, What’, ‘Where’, ‘Why’, ‘When’ and ‘How’, not forgetting about my personal favorite, ‘Tell me about…’

3. Whatever you’ve heard, use ‘I’ a lot in your answers. There’s a bit of a movement in some places to try to leave this key word out. trust me, using ‘I’ is manna to your interviewers ears, helps them a lot and if you don’t, they may wonder just what you aren’t saying.

4. When asked be quite frugal - at first! It’s tempting, especially when you get asked something you know the answer to, to start with a flourish and end, well, sometime in the future. Beware, your interviewer is human and can only absorb so much. If they are any good, they will be lining up a next question on hearing what you have said. So, take your time, give three relevant and good points within a story about the issue and stop. They will follow up and ask more, if they want or need to.

5. Collect your thoughts for a moment. If you find you have a question that requires a little consideration, ask for a few seconds to gather your thoughts and have a little think! It’s quite a good tactic to mix those questions where you need to think with those you respond quickly to. Some of the time, taking your time in such circumstances demonstrates confidence (ironically), capability (takes time with decisions), and courage (in the face of an interview, that’s excellent!), so be prepared to use a small wait as a positive step and not a weak one!

6. Build a relationship with your interviewer. If you’ve had the time beforehand (the ‘coffee and introductions’ session usually gives you the space), chat casually and in a friendly manner with your interviewer and other assessors. Building a relationship so that your interview is more of a conversation is a valuable skill and can be of value all through any assessment center you are involved in, not to say for future opportunities - if you need them!

7. Ask them something too. Using the relationship and your confident approach means that there will be useful times where you can find out more about the role, the conditions and the workplace. It’s a good sign if you feel comfortable enough to do this and asking good ‘discovery’ questions yourself will make you score well too.

8. However it goes, make a friend. Sometimes, the value you can get in a friendly close, at the end of an interview, has unimaginable value. Those moments where you cement a relationship can make all the difference at those times where you don’t have an input (like later in the day when they discuss and compare the candidates) - so make the most of any interaction time you have, even at the end of your interview.

9. Treat it like a chat. The more you can get this interaction like a cosy chat over the fence with a neighbor, the better it will be for you. Your interviewer will have a compliant candidate who ticks all the right boxes and you too will find it easier, because you’re in your comfort zone. Not to say you relax too much though - there’s focused work to be done. By being relaxed you will ensure that what you need to say come all the more easily to you.

10. Get interviews in context. Though there are often other activities in play when you are being assessed, the interview is a vital component. So getting this right will build your confidence for the whole experience - and that will enable you to show off your full potential as well as the skills you can demonstrate already.

There you go - easy steps in generating the result you want from any interview you need to get involved in. The biggest challenge is treating it as a good, fun experience. With these ideas to help you, don’t be surprised if it is just that!



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