Role of “Options” in Real Estate Investment

A common question asked by many beginning in the business is; "What really are my options for real estate investment?" Although we do not have the space here to outline all the opportunities here, we can address "options." Options are a little used, but highly effective investment technique in transactions where they can meet the needs of both the buyer (or optionee) and the seller (or optionor). , the legal right to purchase a property at a predetermined price and time. This produces constructive equity in the property for the optionee. As you recall, real estate is a "bundle of rights". These rights can be separated and sold one at a time. Therefore, an owner can sell the right to purchase to another person. By agreeing to an option, a property owner gives the other person the exclusive right to buy the property at the price and terms stated in the option.

The basic concept of options opportunities is that a seller (optionor) can rid himself or herself of the headache of operations, operating liabilities and management activities. The optionee can undertake the unwanted obligations and in so doing can make decisions that will produce greater value in the near future, which in turn will allow the optionee to either sell their position for a profit or exercise the option and simultaneously sell the property to another buyer at a profit.

Typically for an option to be profitable, the optionee must either improve the operation of the property or physically improve the property such that it has a higher market value. Options are not used very often, but are a valid technique for transacting business. Perhaps the reason most optionees enter into this type of relationship is that they can do so for less out-of-pocket cost than making an outright purchase.

In any case, where the needs and wants of both parties are fairly represented and satisfied, profiting from real estate is a powerful way to build equities and wealth quickly. Options, like all techniques, can be used in a small proportion of possible transactions and can produce generous profits. The trick, as always, is to know how and when to use them. Good luck in your career.

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Co-Signing a Loan

When you co-sign any type of loan, you are taking on the risk the lender
would not; ensuring that the person you co-sign for is going to make the
payments. If they do not, you are going to be responsible for the owed debt.

When determining if you should co-sign a loan for someone, you need to consider
the following:

– Will you be able to pay the loan if the borrower goes into default? If
you can not, not only will your credit be adversely affected, you can be sued by
the lending creditor.

– When you co-sign a loan, your chances for obtaining approval for a loan for
your own personal use Declines because of your current obligation. More
specifically, the debt you co-sign for is considered your debt.

– If you secure the loan you co-sign for with some sort of personal
property, ie your home or car, you run the risk of having these items taken
away from you if the loan goes into default and you can not pay.

– If the borrower does not pay their loan, not only will you become
responsible for the debt, you are also going to be responsible for any of the
late fees and collections associated with the over-due debt.

You should also do the following when co-signing a loan:

– Get in touch with the lender and make sure that you will be contacted in
writing as soon as soon as the borrower is late on a payment. This will give you
time to get in touch with the borrower and fix the situation before the account
goes into collections. If the account does enter into collections, you will be
responsible for paying off the entire debt at one time.

– Get a hold of copies of all the stipulations and terms of the loan.

Some More Advice to Follow If You Are Going to Co-Sign a Loan

Prior to co-signaling, you should contact the creditor to see if your can
negotiate your liability if the loan goes into default. More specifically, you
can have your liability changed so that you only are obliged to pay only the
loan balance and not any other late fees. It is always a good idea to get any
final, negotiated Clauses in writing.

What Are the Benefits of Being a Loan Co-signer?

Co-singing a loan can be a good idea if you are certain that the borrower is
going to repay the money. For example, co-signaling makes sense if you are
the parent of a child with no credit, but a steady income, looking to buy a home
for the first time. You will help your child get the mortgage financing them
are looking for, while helping build their credit rating.

It is very common for someone's credit to be adversely affected as a result of
divorce. This will hurt their ability to get approved for loans and credit even
though they have a steady income. Co-singing a small personal loan in this
instance will help them re-establish their credit.

In conclusion …

As mentioned, there are instances when co-signing a loan is harmless.
However, the majority of the time, it is a very risky move. As a matter of fact,
studies have shown that co-signers end up paying the debt of the borrower 80% of
the time. When co-signing any loan for any purpose, friend of family, PROCEED
WITH CAUTION!

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Fundamental Information Regarding Colon and Rectal Cancer

Colon is the division or portion of the digestive system wherein the waste matter is hoarded. The rectum is the last part of the colon near the anus. Jointly, they form the long, muscular tube which is called the large bowel or large intestine. Cancers of the rectum and also the colon are growths coming from the internal wall of the big intestine. Benign tumors arising in the big intestine are known as polyps. Malignant tumors of the big intestine are identified as cancers.

Benign nodules do not attack nearby tissue or scatter to some parts of the human body. Benign growths can be removed easily during colonoscopy and they are not critical. If benign growths are not detached from the big intestine, they will become cancerous. Majority of the cancers in the big intestine are supposed to arise from polyps. Cancer of the rectum and also the colon can attack and injure the nearby organs as well as tissues. Cancer cells will also scatter and break away to other portions of the human body, like the lings and liver wherein the new tumors are formed. The scatter of the colon tumor to remote organs is known as metastasis. After metastasis has happened in colorectal tumor, a comprehensive treatment of the malignancy is doubtful.

Internationally, malignant neoplasm of the rectum and colon is the 3rd primary cause of tumor in males and the 4th primary cause of tumors in females. The incidence of colorectal tumor varies worldwide. In countries wherein the people have taken up western diets, the occurrence of colorectal tumor is increasing.

Factors that add to the person’s danger of colorectal tumor include elevated fat intake, family record of colorectal polyps and cancer, the incidence of polyps in the big intestine, and constant ulcerative colitis.

Symptoms of colon tumors are nonspecific and numerous. They include weakness, fatigue, briefness of breath, narrow stools, diarrhea or constipation, change in bowel practice, red or dark blood in the feces, weight loss, cramps, abdominal pain, or bloating. Other situations like spastic colon, peptic ulcer, and ulcerative colitis are some symptoms of colorectal cancer.

Symptoms for colon cancer differ according to the location of the tumor in the big intestine. The right colon is large and cancers here can grow into big sizes before they cause abdominal signs. Usually, right-sided tumors can cause anemia because of the gradual blood loss over a long duration of time. Anemia causes weakness, fatigue and shortness of breath.

Left colon is slightly narrower compared to the right colon. Hence, tumors in the left colon possibly cause the complete or partial obstruction of the bowel. Cancers which cause partial obstruction of the bowel may cause signs of constipation, diarrhea, narrowed stool, cramps, abdominal pains and bloating. Dark red blood in the stool can also be indicative of a growth adjacent to the end of the rectum and left colon.

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Investing Mining Stocks and Warrants

The Canadian Dollar is now one of the strongest currencies in the world and there have been many forecasts of parity with the U.S. Dollar and as of today, the Loonie is trading at 90.35 as we write this article.

The first and second charts below shows the strength of the Loonie over the last year and the third chart is of the XAU Gold Index. Observe the long term trends in all of the charts.

For investors around the world how can you best position yourselves to benefit from the rising value of the Canadian Dollar?

If you are like many of us, you are currently participating in the bull market in the commodities sector, specifically, in the precious metals, i.e., gold, silver, copper, zinc, etc. If you are not on board this rally perhaps we can enlighten you to some different ways to benefit not only from the Canadian Dollar but also from your investments.

When an investor purchases shares in the Canadian mining companies you are in essence invested in the Canadian Dollar. With the Canadian dollar increasing relative to your country’s currency, your investment is increasing. As the value of your Canadian investments increases, you win again. Thus, you gain from the increasing in the currency as well as the increase in your investments in the mining shares or perhaps, long-term warrants on the mining shares.

The point is, currently investors are experiencing the best of both worlds and we would expect this trend to continue with normal corrections along the way for at least several more years.

We, as investors ourselves, prefer to defer to the experts, Jim Dines, Doug Casey, Pam & Mary Ann Aden, James Turk and others as to the continued direction and strength of the current bull market.

Perhaps you are a conservative investor and neither you nor your investment advisor are currently aware of the bull market in the commodity sector. We believe that soon, within the next few months or within the year, you, yes, you will be investing in this sector, so the choice is yours, now or later.

Investors have many wonderful opportunities for investments from the gold and silver bullion, ETF’s of gold and silver, mutual funds, mining shares and for those investors looking for additional leverage, long-term warrants on mining shares, some of which do not expire until 2011.

As the experts mentioned above believe, this bull market has strong legs and many years to run, we accordingly suggest investors position themselves and not to worry about the day to day fluctuations of the market.

The important thing for all investors is to recognize the big picture, take a position and enjoy what may be the ride of our lifetime.

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Trademark Application: Online Tools to Protect Your Investment

Many businesses understand the benefits of trademarks for their products and services, in protecting them from the time and monetary investment in developing those products and services. However, many organisations and businesses are unaware of the need to register these trademarks to comprehensively protect their brand and business offerings.

Without the security of a registered trademark, a business risks losing the investment, or minimising the effect of, developmental and marketing efforts that it engages in. Competitors in the same or similar industries could potentially own a trademark with comparative qualities and identity in order to market products and services that replicate the business model. This could not only affect the revenue generating capability of the business by increasing the level of competition in the marketplace, but could lead to a damage of the image that has been created; resulting in a lower perception of quality by current and potential customers. Given the importance of securing your investment made in the marketplace, as well as securing the business future, legally registering the interest through the trademark application process is essential.

Applying for a trademark application, and upon finalisation, provides numerous benefits to the business, including that they are able to strongly differentiate their identity and products in the marketplace from their competitors. Furthermore, the trademark can act as a marketing instrument which empowers a company to control the image and perception presented to the market. An important commercial asset, applying for a trademark application can provide a level of quality to consumers, guaranteeing potential buyers of the quality of the products and services being sold.

The brand and logo of the company is the physical representation of the quality of the business. Successful logos and brands evoke instant feelings of trust, credibility and a desire by the consumers to purchase from the brand in question. This is why it is imperative that a trademark application be processed for the company’s design work, images, colour, fonts and other components that make up the logo and brand.

Since the inception of the internet, people have been turning to the web to source important information; and with the recent trends in websites providing online assistance and purchasing, a majority of consumers are turning to the internet to source information and purchase online. Trademark applications are no exception, with industry leading business protection companies developing software and wizards which guide the user through the trademark application process; alerting the user to important issues and prompting where other additional information may be required.

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Online Forex Trading Tools – Understand the Various Options Available

Online forex trading tools are of great help to new forex traders. Even experienced traders often rely on some of these tools to confirm their trading decisions. Due to global connectivity and telecom revolution, forex trading is no longer restricted to large corporations alone. Retail investors too are entering the forex market in a big way with the intention of making money.

Forex market is the largest financial market in the world both in terms of size and volume of transactions handled. It can be risky to start trading forex on your own without any formal forex education or without the help of a reliable forex trading tool.

The major disadvantage of any online product is the possibility of it being a scam. It is very easy to make up false product performance statistics and post them on the Internet. Therefore beware of online scams. Ensure that you carry out proper research to establish the authenticity of information and claims made by the product developers online.

The various options available for you to choose your online forex trading tools are

1. Trading platforms of existing professional traders

A number of successful professional forex traders market their own trading systems online. Check out the reputation of the trader to begin with. If possible verify his / her background over phone with other traders known to you.  Being backed by an existing successful trader, such systems normally deliver whatever promised.

2. Expert advisor

Expert advisor is another online forex trading tool which is very reliable in analyzing charts and making automatic trading decisions. Automated forex trading robots are particularly useful to new forex traders. Robots are programmed to make trading decisions on its own without any human intervention.

3. Forex forums

By participating in popular forex forums, you can get a lot of information on online forex trading. With the help of these forums you can seek advice from experienced traders who are already making use of reliable online tools for trading forex. Information regarding new products launched is also exchanged amongst users of forex forums.

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Home Loans in the UK

Owning a home is the most important dream of any person. It is one of the basic necessities of life as stated by Maslow in his 'Theory of Hierarchy of Needs'. People generally desire to have a home which not only gives them shelter, but also should be the expression of their artistic tastes, and an object of pride. Owning a home is a matter of spending of life's savings. For some- related to the high e-learning group, it is not a problem; but for others arranging financing for their dream home is a very critical decision, they ever take in their life. To enable people to realize there dream, financial institutions and banks offer home loans to people.

Home loans play a very important role in the lives of UK nationals. Every year there are borrowings worth billions of pounds by the UK nationals for home loans. Now days, home loans have become a necessary part of life as it is not essential that one has the necessary amount of money to finance his immediate requirement for purchasing home. One can avail home loans, after signing a document with a financial institution on a specified amount of money to go with the purchase with that borrowed money. Lenders and financial institutions keep the house or any other residential property as collateral. In the UK, home loans are offered by innumerable financial institutions at various APR. The amount of loan approved usually depends on the income and assets of the borrower and his capacity to pay back the loan.

In the UK, home loans offered are of two types:

Fixed rate home loan

Variable rate home loan

Fixed rate home loans are offered to borrowers at a prefixed rate of interest for a specified time period. In case of upward fluctuations in interest rates in the market, customers enjoy the benefit of not paying any extra sum money on the increased rate of interest. Variable rate home loans, on the other hand are left to the mercy of lenders and government regulations. In case of upward trend, the borrowers have to tighten their budget.

With the ever increasing competition in the market, more and more financial institutions are offering home loans at lower APR along with customer oriented services. All companies claim to be the leading loan and other financial services provider with the best service. In order to tap the growing market companies and lending institutions are coming up with more innovative products to cater to the requirements of all the customers. With the advent of internet, the services offered have become more fast and efficient. Now one can compare the best rate offered in the market at the click of the mouse.

The complications in home owner loans fall when borrower defaults in the payment of the monthly installment. In many cases, it has been seen that lenders start charging more interest rate than the standard rate. Wise borrowers, in such situation, switch over to a new lender for better rate of interest and fee waivers. This is termed as remortgage. Remortgage is a very prudent way of avoiding heavy interest rate. There are innumerable agencies which suggest better remortgage options to the borrowers.

Moreover, with gradual shift from the sellers 'market to the buyers' market, the ultimate beneficiary is the customer. Companies even offer value added services to the borrowers to evolve brand loyalty. Companies are even leveraging strength from modern management practices and corporate governance. In the long run, company which offers the best financial solution with the right set of marketing mix will win the race.

For Detail email with the subject "Inquiry".

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What’s the Hype With Coin Collecting? It’s Fun

If you are ever wondering what the hype is about with coin collecting then this is the article for you. Coin collecting is a great hobby. It also turns into a business for some. Any variation from a coin that is in regular circulation is collectable. Some of the coins include Quarters and Dimes before 1965. They are made of 90% silver. An easy and very fast way to check for these coins in your wallet or from a bank coin roll is to just look at the side of the coins. If the side is all silver with no copper showing, then it is a silver coin. Be careful with nickels however, because only the 1942 to 1945 nickels are silver. They are 35% silver and checking the sides will not work because they do not have enough copper in them to begin with.

1944 Steal Penny

One of the best finds you could get would be a 1944 steal penny. These penny's are worth between $ 100,000 and $ 200,000. The same is true for the copper 1945 penny. The reason for this is because copper was used for the war to make bullets. They used steal for pennies during 1945 so they are supposedly to be steel. If they are copper when you find a 1945 penny then you have a very rare wheat penny worth a lot of money.

You can use the silver side trick for half dollars as well. Older half dollars are ninety percent silver and semi old Kennedy Half dollars are 30% silver.

You can also go on eBay or coin websites like heritage auctions.com. You can get US coins, International Coins, ancient coins, and more. When you bid on a coin in an auction site. Be sure to make sure that the coin is in at least fine condition. You do not want a coin that is in bad condition because it makes the coin worth less.

Coin Roll Hunting

If you really want something cool to get added to, try going to your local bank. Go to the bank where your checking account is. Ask for rolls of coins! I usually ask for a box of pennies, which is $ 25 worth of pennies or 50 rolls. I also ask for a few dime and nickel rolls. What you'll find will always be a ton of fun. I collect wheat pennies which I find in every other roll usually, Indian Head pennies which in great condition are worth at least $ 10 especially if the word "Liberty" on the headdress band is clear. The 1906 S Indian Head Penny is worth $ 600! It is rare. I've found buffalo nickels which when the dates are legitimate are worth $ 2.00 at least. I found Mercury dimes which show a winged liberty bust of lady liberty and are silver. Also, silver war nickels. Taking out a quarter roll is fun too. You'll find a few silver ones now and then. A 1932 Silver quarter is worth good money. Happy coin hunting!

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Welding Jobs: Ideas You Can Use At Home To Make Money Welding (No Boss While You Make $100,000)

What if you could make $100,000 a year welding from home?

What if you could make even an extra $500 a month from home, using your current skills? If you are a welder with basic welding skills and you are between jobs or you are being under paid in your current job, it might be worth your time to read this article – let’s think outside the box for just a minute on how you can make money welding from home.

From Home Welding # 1:

Teaching or tutoring any skill is a very profitable business. In any town of any size you’ll see at least one tutoring business in a strip mall brick and mortar location. In that same town will be at least a dozen other tutors working from home, making good money.

Yes, most of the time they are tutoring math and reading to students. Lean back and think about what skills you have that can also be used in a tutoring business you can set up and milk cash from, like milk from a cow.

Let’s say you are good enough with TIG to weld razor blades or pop can butts.

If you can teach a non welder to operate a TIG torch good enough to go on and practice on their own at their home in about 3 hours of your hands on theirs – they will pay up to $100 an hour for 3 hours of TIG instruction. Just 2 students a day would bring you $100,000 a year. If you think I’m kidding I’m NOT! There are many reasons why education is so valuable – and that includes intense, focused tutoring in welding.

6G pipe welding is the highest paid of all welding certifications – most 6G welders make $100k to $300k a year – and demand is crazy. However, if you are a 6G welder and you want to stay home, you can set up and teach 6G in your garage. Let’s say you do this with 7 students, each paying you $10,000 for a 3 month course. Yes, they will pay it – especially if you show them how they will have more time with your hand on theirs (the #1 secret to learning 6G fast).

From Home Welding # 2:

I was in Palm Springs the other day. I have been in and around the trades for 30 years… and when you see a tradesman’s truck and it is late model without dents or many scratches, clean, organized and well equipped, it means (99% of the time) that guy is making money.

I pulled up to a light behind just such a truck – “Joe’s BBQ Service and Repair.” That’s it – that is all Joe does. He will weld cast aluminum or steel. He’ll clean and polish. He’ll replace a burner or a control. OR he’ll buy your old unit and sell / or sell you a new one.

Yes, you need a town with a lot of high end BBQs. Other than that, go get it.

From Home Welding # 3:

Large steel cut outs. In art of all kinds, size matters. For example, 20 years ago we purchased two 4′ long coat racks – each is a piece of 1.5″ x 1.5″ x 1/8″ angle 4′ long with 6 horse shoes welded to the angle to hang the coats.

On the horizontal surface of the angle is welded a scene made of 7 horse and 7 tree cut-outs. We paid $185 for each of these 20 years ago… that would be about $300 a piece in today’s dollars.

The problem with you making these is that the 14 cut outs on each unit are too small too many to cut by hand – you need a computerized plasma table to make these.

Here is where the magic of size makes all the difference.

The artist who drew the cut outs on our coat rack was good. Each of the 7 horses is different and beautiful, as well as the trees. Any – or all of these – cut outs can be scaled up with chalk onto a sheet of say 4′ x 8′ x 3/16″ steel. Now, all you need is a plasma or an oxy torch to create the large version.

What would a horse cut from a 4′ x 8′ sheet sell for?

$300 to $700. It would depend on where you are and how you market it. Marketing is a large part of any business. Good marketing is not hard – you can do it.

You can see, if you could get a “business pipe” full of inventory and sales and you were delivering 2 horses a day, you could easily make $100k. The other major opportunity with big cut outs is gates. The key to all of this stuff in the art category is beautiful line drawings. If you are not an artist, hire one on the condition that they sign the copyright to you.

There are endless ideas to utilize even your most basic welding skills from home to make an excellent living or just extra money. The trick is:

Step A:

Find what will work best for you.

Step B:

Write out a simple plan of attack. Don’t put the cart before the horse. Many small businesses fail because the owner gets all wrapped up in the details and loses site of what is important. Here is what is important: Don’t spend money – MAKE MONEY!

Step C:

The first rule of business is to GET NOTICED. That is also the end goal of all marketing – once you have enough eyeballs on you, you will succeed. The common mistake is to leave marketing for last while concentrating on every little rule and piece of paper. A business license will do you no good if you don’t make money! Save your money and get it (if you really need one) when you make some money. Towns and cities will simply say, “do you have a business license?” When they ask, say: “I’m getting one now.”

Conclusion:

You are blessed to live in a country where you can go from nothing to something in a hurry. However, to get anywhere in a hurry requires running hard. You’ll never regret it.

What should you do next?

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Get Help And Advice Online From Car Loan Articles

Car loan articles can be found online with a specialist motoring website and they hold a vast amount of useful information for those who are looking to finance a new or used car. A good site will offer articles on all aspects of car loans which all go towards you finding the best deal for your particular circumstances as well as offering hints and tips on choosing your new vehicle.

By having this knowledge, it means you can make an educated choice as to the right type of car finance for you.

When it comes to finding a loan there are many types to choose from so getting doing your homework is essential, so take advantage of articles aimed at car loans and you get to the best start possible. Articles are often laid out in specific categories which mean you can instantly find access to the information you are looking for.

Car loan articles will tell you all about the various options when it comes to financing your new or used car. Car loan articles giving information for the standard loan will explain the options you have and how to get the best deal possible on a secured or unsecured loan.

The secured loan means that you take the borrowing over a specific amount of time and then spread the repayments in monthly installments over this period. The beauty of this is that you are able to keep the repayments down to a level you can afford each month. However of course the longer you take the loan over, the more interest you will pay. If you have a less than perfect credit rating then this is usually the best chance of securing a loan for a car, as the car will be taken as security against the borrowing.

If you are considering buying a used car then get as much information as you can by way of car loan articles focusing on used car loans or unsecured borrowing. If you have an excellent credit rating and do not need to borrow a lot then you can get a loan without having to put up anything as security. The unsecured loan will usually come with an interest rate that is higher than that of the secured. However by allowing a specialist website to search within the car finance marketplace you can make great savings.

Any type of loan is confusing when it comes to the technical jargon and interest rates. Car loan articles will take the confusion away for you. They will explain clearly what APR means and the tricks that some lenders play to make you believe you are getting an excellent interest rate. For example, some lenders will quotes an interest rate that is for weekly terms and of course if the individual compares this against a monthly or yearly rate then it can seem extremely low. Taking the time to read through the articles and learning as much as possible about car loan and finance can save you a lot of money and of course, a specialist website will offer these resources for free.

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