Debt Consolidation Breaking News

The United States Department of Education is making bold moves toward cleaning house and we will talk about some of those that affect you as a parent of a soon-to-be college bound child directly. We do not want to leave out the millions of Americans that are returning to school and are the students themselves-but the largest percentage of school bound individuals are still under the dependent financial care of the parents. We titled this posting debt consolidation breaking news for a very good reason. That reason is as we go forward towards Halloween in the month of October it is time to start laying the groundwork for the upcoming winter school session in most parts of the United States.Reformation in AmericaAs debt consolidation is being reformed in America today and with President Obama taken the reins on so many financial concerns it is important that you know something about the debt relief situation going on the country. While you may consider yourself well-versed in the basic modality of what debt relief actually is you need to understand how that relates to the student loan obtainment for your incoming freshman. There are literally millions of freshmen that enter colleges and universities and technical schools all across this great country of ours and it is important that the parents of these soon-to-be college educated children know where to turn to for advice and information about that all-important student loan issue.Department of Education EnactmentsThe most breaking news that involves debt consolidation includes the actions of President Obama’s administration as well as the Department of Education directly. The administration has mandated through acts of legislation and other such legalities that the middlemen are now cut-out of the equation for all concerns about student loans.Saving MoneyWhat this does right away is to save you, the American taxpayer, at the very least $500-$1000 a year in monies that was going toward the pavement of the third-party providers for student loans. Now that there is a direct-line of communication between you, the parent of the college-bound child, and the Federal government, which is the Department of Education, the streamlining of this form of financing of a college education is clearing up.Great IntentionsWe wanted to give you some earth-shattering as well as fundamentally groundbreaking news but in reality the debt consolidation world has so much going on it is important that we focus on the present and future and not so much worry about things of the past. If you are a parent of a student who is presently in high school you understand this and you understand that the future belongs to our children. With debt consolidation clearing the household and freeing up cash that would have been spent on credit card revolving debt and other unsecured debt loan accounts you will be that much closer to financing the dream of your child and of yourself of completing a college education in America in the 21st century.

Home Business Start Up — Advertising Sales Consultant

Vital Information:Start-up Investment:$200 (1st months advertising expense) $400 – $1700 (computer or laptop)Break-even time: 2 monthsEstimate of Annual Revenue and Profit: Revenue $40,000-150,000Typical Fees: Commissions range from 5% – 20%Advertising: Direct Mail, Classified ads in trade journals, customer referral incentives Web SiteGreatest Expense: Telephone BillThe Possibilities of Owning a Home Based Advertising Consulting Business are ImmeasurableWhy? Think about it…how many businesses, large and small, can’t use greater exposure for their products or services?Why not create a Home Based Business that satisfies the needs of other businesses?An Advertising Sales Representative, Home Business can be quite lucrative.Here are two examples of how you might approach this Home Business Opportunity:Your job as an Advertising Sales Representative is to locate “Quality Trade publications” as well as Classified ad locations which targets the customer of the Company you are advertising for.It’s best to begin with one niche and then expand into another.Let’s assume that your specialty is in the area of pets. You just love animals. You read magazines; you attend various pet shows…If you don’t have an area of specialty, you’ll need to research an area of interest.You’ll need to contact various publications related to your advertisor’s product or service which provide advertising space. Inform the advertising departments of these publications that you intend to run ongoing advertisements for numerous companies.Since your advertisements will run on an ongoing basis, you’ve increased the value of the publication to its reader, in that you’ve assisted the publication in exposing its readers to additional resources.Since you are providing a substantial value to the Publications readers’ and thus the publication itself, request a preferred advertisor’s discount.Ensure that you are made aware of each publications demographics. You’ll want to know the size of the circulation, average age of its readers, average income…as much information as possible. Record this information on index cards or database for easy access.On the other end of your business, you’ll focus on contacting various stores and other pet related organizations–in this case, pet stores and organizations. You’ll offer these businesses an opportunity to utilize your advertising services.Explain to your potential advertiser that you’ll publish their company’s advertisement in specified number of highly targeted publications.Of course, you’ll inform the business owner that that his or her business can benefit by using your services since your company is able to provide highly targeted advertising at a fraction of normal advertising costs.You can also offer a “preferred customer discount” which is only offered to customers who run ongoing advertisements.Research quality, targeted publications and then contact each to request a 1.5 – 5 inch ad. Place 3 – 7 advertisements from 3-7 different advertisor’s into this one advertisement spaces. Of course, you’ll need to call your organization something like: “Love Your Pet-Coop.”What have you accomplished?You’ve provided for your advertisers, great exposure in quality publications. You’ve added credibility to your advertisers since there are multiple companies listed.You’ve increased the value of the publication in that you’ve provided additional resources for its readers.For the cost of one advertisement, you’ve listed several.You’ve earned a percentage of the advertisement costs.Benefits to owning a Home Based Advertising BusinessFlexible scheduleYour office is wherever you areLow overheadSteady incomeContinual growthTax benefitsA different approach to owning an Advertising Sales BusinessGroup promotional coupons from several types of related organizations… Using the above example…a pet store and a pet supply store.Purchase quality mailing lists of individuals and groups who purchase items related to pets.Place all of the promotional coupons along with your business card into an envelope and then mail the envelope to the individuals and groups on the purchased list.Alternatively, you can create a coupon card that lists multiple businesses. Consider using a paper folding service provided by Kinko’s, Office Depot… to fold your sheet into 3 segments. Using a folding service will provide a crisp, professional look.Folding the page into 3 segments allows you to mail the pieces without need for envelopes.As an alternative to using 8 x 11.5 sheets, some Advertising Sales Representatives use standard post card sized ad sheets. One benefit to this approach is decreased mailing costs. Another benefit, if you’re just starting out, is that you can easily fill the space of a post card.Tips for running your Home Based Advertising Sales Business:Always include your own advertisements when advertising for your customer.Ensure that you advertise in quality publicationsEnsure that you purchase quality mailing listsEnsure that you ask your customers for referrals to related businesses.If you use the 3 segmented, full page method, consider folding your sheet with the ads listed on The outside. This allows the customer to see immediately, that your offer is of interest to them.Pay attention to deadlines Make frequent inquiries with your advertisers regarding whether or not their customers are using their coupons and why.Operating an advertising Sales business can be quite lucrative and is limited only by your creativity and fortitude.Copyright 2005

Profiting With Owner Financed Homes (AKA Seller Financed Or Owner Carry) – Real Estate Agent Gold

For the real estate agent, broker, or professional, who understands how to structure owner financed deals, gold in the form of commission checks is awaiting. After having spoken with dozens of agents regarding the topic, I want to help provide solutions to your number one question: How do I get paid?Agents upon hearing the words “would the owner be willing to finance the sale” usually have a negative alarm going off in their heads that says “I won’t get paid”, or “I won’t receive my full commission”. By understanding how to structure these types of deals, you can assure yourself commissions in any market.Obviously, we all know that it’s important for the buyer of the property, on a home listed with agents or brokers, to do one thing; find a way to cover three important things: 1) the agents commissions, 2) the seller’s closing costs, and 3) the buyer’s closing costs. We all know agents need to eat, therefore they need to get paid for helping buyers and sellers close real estate transactions.Assuming we are working with a home owned free and clear (don’t worry, according to U.S. Census Bureau statistics, 31.7% of owner occupied owned homes are free and clear of mortgages), the key for the buyer is to find a way to provide approximately a 10% down payment (at least) so that all three of those above mentioned objectives can be obtained.The first, and easiest, method is to have the buyer pay 10% cash down from either their bank account, a line of credit, or borrower from a relative. This will allow the seller to finance the remaining 90% of the purchase to allow the transaction to close.The second, not as easy, method is to have the buyer borrow the 10% down payment from any lender on this planet to bring the cash to the closing table, and then allow the seller to hold a 2nd lien position of 90% to allow the sale to close. Even strict banks will worth with MANY borrowers to give the bank a 10% Loan to Value loan on a residential property. How can the bank lose ? If they borrowers make their payments, they win. If the borrowers default, they win. They are more secure in this type of deal than any other investment they could park their depositors hard earned money.In summary, the agents who find a way to help buyers come up with 10% to cover their minimum acquisition costs can become a deal structuring machine. They can help sellers sale their homes quickly, and help buyers when conventional lenders are running for the hills.