Real Estate Stories that Show You How!

Let’s begin easing you out of the pits. I mean, comfort zone! I’m going to slowly and methodically give you as many little sparks and insights to the relatively simple ways that ordinary people use real estate to achieve extraordinary results.

Stories are the best spark plugs. They let you casually observe from a safe, secure and understandable view point. I will write to answer most of the questions that I feel I myself would ask if I was reading what you are about to read.

I want you to know something from the very start of this report and that something is this: I care about you and I sincerely mean that. I really do want you to move to a new comfort zone, one that is pleasurable and free from fear. A place where you realize you have the power to achieve greater things than you currently can imagine.

It’s possible for you to start being a more powerfully directed purpose-driven individual who is well organized and on track to higher achievement. You will change and grow, slowly and steadily with every page you read. With every thought and insight you gain, your desire and courage will grow as well.

Napoleon Hill wrote one of the greatest books of all time. It’s called “Think and Grow Rich.” The essence of that book, the secret it reveals time and again is this: you must develop a burning desire.

Don’t put this book down thinking the previous statement is cliché and that you already knew that! I am simply leading you to my next point, the next point being is – your desire needs a starting point. So to start developing desire, my secret is you must have a purpose. Why do you want to pursue real estate? I know what you’re thinking: to make money, to have security, to feel useful and appear successful. Good points. I agree you can have all of that and more if that is what you desire.

Now here is something that comes before any of those things you desire. What is the purpose of all those things? Purpose, purpose, purpose…you need to first define purpose before you get the things. My purpose, or so I thought early in my career, was to move up to a nicer house and have my first house become my first rental property. When I moved up to the next one, I quickly learned as soon as I rented it out, I was in some way responsible for creating happiness and security in the life of another person that was of no relation to me.

It soon was evident to me how the choices I made in choosing that first property either would help me or hurt me in my quest to succeed in the real estate investment business.

All of it is cumulative, everything you do and how you do it adds up. It compounds itself and it either makes your life easier or more difficult. I am going to give you experiences that you can learn from that will make your life easier; I am going to show you how. That is my purpose.

The book that gave me the unknowing courage to take my first steps in real estate was a book called “How I Turned $1000 into $3 Million in real estate in my spare time” by William Nickerson. He was a master storyteller and by osmosis, after reading his book, I found myself gravitating towards the real estate classified section of my Sunday paper.

Eventually I leapt and my life had changed. It was an FHA foreclosure, a two-bedroom, one-bath home with a built-in, screened-in pool, with a Jacuzzi and a built-in sprinkler system. I bought it for $46,000 and used the HUD 203K rehab program to fix it up. I spent $16,000 to update and make repairs. They then gave me one loan for a total of $62,000. It took me three months to complete it and I was in; I had done it!

My life changed, I learned, I took the leap. From then on I had confidence. I had already had my first home but now I had two. Well, I was in the Coast Guard and wouldn’t you know, three months later we moved. Uncle Sam took me out of St. Petersburg, Florida and dropped me in Kodiak, Alaska, for my next tour of duty.

Well guess what? I was armed with ambition, courage, confidence and just enough knowledge to be considered dangerous, so I bought a duplex as soon as I came ashore on Kodiak Island. Now I had three dwellings and my relationships and responsibilities were growing with my new tenants counting on me to provide a clean, functional and pleasing environment for them to exist in.

It looked like this: My mother rented my first house and an elderly couple rented the second one and my duplex came with an existing tenant who was a hospital administrator, so I was lucky. I was able to ease myself into the role of landlord without getting burned early in my career. I now had two houses and a duplex in the span of about one year. My brothers and some other family members took notice and were pretty well dumbfounded.

They couldn’t figure out how I had, all of a sudden, become a real estate wizard.

It felt good to make that change in so short a time.

I got that from reading a book! And that my friend is how you are going to do the majority of everything you do in real estate, by reading and taking steps towards duplicating the success of others in a repeatable pattern. The key is to understand that you can do it if you read the right books and apply the very basic formulas that are handed to you.
There lies in: Magic Bullets in Real Estate

This is a common man or woman’s real estate manual. William Nickerson never gave me anything so easy as “Magic Bullets!” So I learned trial by fire and it has been very gratifying. I’ve since went on to collect 17 properties, 23 tenants, 2 real estate licenses in Florida and Alaska, an assistant appraiser’s certificate and over a hundred books on real estate. I just kept learning and growing and gaining momentum for the last 13 years. I am still in the Coast Guard, too, and I work at Alaska One Realty in my spare time. In two more years, I will be retired at the ripe old age of 42. Sounds like a sort of fairytale, doesn’t it? Don’t let me fool you. It’s hard work and I’m still not a millionaire, but I want you to have the truth, so I will be honest with you every step of the way.

I know why I am not a millionaire and here is why. I would periodically sell property that was going up in value and paying for itself through the rent checks. But being in the Coast Guard would dislocate me every four years, so I found myself selling out in order to avoid being what is called “an absentee landlord.”

This is an important lesson for you. It has prevented me from becoming a millionaire up to this point. The lesson is: find an area on this planet that you could and will live in, and stay close to it. Don’t move more than 10 miles from your farm area. The farm area is where all your properties are located. Long distance “land lording” is tough! It can be done but you lose the ability to control the situation compared to if you were there. I’ve served my country and saved people’s lives, so for me it has not been in vain. I have no regrets but if you don’t have to leave your area of expertise, don’t!

The networks you build and the contacts you build, in the process of “doing” real estate, are so valuable that when they are no longer at your disposal, it puts you at a serious disadvantage.

Not to mention when you move you have to acclimate yourself to an entirely different market, build new trust-based relationships and start all over again. It’s like a treadmill you’ll be running and running, however it gets you nowhere.

I’ve used it to my advantage. I have been forced to accelerate my abilities to rapidly duplicate my success whenever I am moved, but it is still an uphill battle. My point: Don’t move too far from your farm or your network of bankers, appraisers, carpenters, tradesman, real estate, friends, tenants and so on. Once you have the skill you can duplicate your success anywhere you go but if you don’t have to go…enough said on that!

I like to say, “Don’t sell the goose to get the eggs.” What that means is if you need money to buy more property, use equity lines from other property to do it. You will get the same amount of money or more by using an equity line as if you sold it. However, you get to keep the asset and the money! I go into this in “Magic Bullets,” so I won’t drone on here. Just know you don’t have to sell your property to get the cash out of them.

So here we are. You know a little bit about me and you may have picked up a nugget or two. Let’s find a few more.

There once was a man who wanted to buy some investment property, so what he did was look at growth patterns. You should do this too, by going to your city’s planning and zoning department. You can see growth patterns and you definitely want to buy property that stands in the way of growth.

This is how he used what he learned. He saw that city planners had decided that a new artery (highway) would benefit their city by creating linkage to another city about 100 miles away, so being a smart investor he only went as far as a ten mile limit to be able to be close to his investment.

Now on average, new growth will radiate out from existing prosperous cities in the direction it is planned at a rate of about one mile per year. So our smart investor had a 10 – 12 year plan to cash out in about 10 – 12 years.

What he did was buy, I believe, 10 acres of commercially zoned property very cheaply because there was no demand at the time. He bought it, fenced it in, put up some lights and a gate, and held onto that little bugger. Now that new highway was coming his way and the good folks, through their taxes, were paying to have it built.

It didn’t take long for the heavy equipment to start cutting a swath towards his fenced-in storage facility and when they got close enough to him, he started renting out a secure area for everything, from road cones to generators to backhoes. You name it – it was stored there. This more than paid his land off.

Now the men and their equipment eventually moved on further down the trail but they left a finished highway behind them. And guess what? Low and behold, people started driving on it, and then started buying property to build houses on to get away from the city. Since the new highway was a straight shot into town, ten miles out was breeze.

Well, of course, here comes the herd and everyone is just populating the whole darned area. And within ten years, residential housing surrounds Mr. Investor, and can you guess what he’s got? Yep, a prime piece of commercial property, 10 acres large.

So in accordance with his 10-12 year plan, he sells his storage facility to make room for the new office/business park complex for over $2,000,000. That, my friend, is vision, and the sooner you get a clear picture of what it is that you want to specialize in, the sooner you can retire to the islands.

How hard was that? Don’t tell me you can’t do it, you can! I’m here to help you. I’m going to give you secrets no one else dares. Do you ever wonder why people won’t tell you the secrets? Of course you already know this but I’ll tell you anyway. It is because they are operating on a scarcity mentality, as though there won’t be any left for them. Or if learn something and act on it, you will get ahead and have a great life. Well, misery loves company and silent oppression is the rule.

Here’s a little story that poor quality real estate agents won’t appreciate either but I’m going to tell it to you anyway. The reason I can tell it is because there are some great real estate agents out there who absolutely don’t fear what I am about to tell you and would let you know it if they were in my position.

Here’s the deal: Some agents want to be like the Wizard of Oz. They want to create the appearance of marketing and transacting real estate as being technical and very legal, a deep dark mystery. Well, it’s not! The truth be told, you can write a contract on a napkin and it would stand up in court. I will emphasize here that you write on that napkin along with the terms of your agreement, “The terms set forth on this here napkin are subject to my attorney’s approval.”

An attorney will cover you completely for around $750.00. Prices may vary, however that is an average home transaction. There is a lot I am leaving out here but my point is this: If you own property, you can sell it anyway you want. “Magic Bullets” will teach you. Let’s move on.

Exposure is the key to finding buyers and sellers in real estate. If a property is priced fairly and everyone who is looking for that type of property knows that it is in the availability pool, it will be found and the transaction will proceed as advertised. Price it right, advertise it properly and let the lawyer take care of the details. No commission, just a flat fee. Period.

Now that I have that off my chest, I will tell you a story about Dan, a 21-year old friend of mine, and his wife and their new baby. He’s a hardworking guy who does his work without complaint and all the other “workers” pick on him for working so hard. Can you believe it? The other guys are so insecure and lazy that they make fun of a guy who is doing the work of three men, mainly of the three who are ridiculing him. Well, believe me, this doesn’t go unnoticed by me and I take him under my wing. Dan wants to buy a house, so I begin the process of saving him years of trial by fire and save him $25,000 at no charge. That is because he deserved my help.

Anyway, here is the story: I began with him by asking him what type of home he thought he would be comfortable with and a price range. He indicated a 3-bedroom for around $100,000.

Knowing what he wanted and knowing the area, I was able to take him shopping for the house he was looking for. Now I always go after the “For Sale by Owner” homes first because I know they won’t be adding any commission figure into their price, because they won’t be paying one. So at 6% of $100,000 he will get $6,000 more “house” for his precious dollar.

I also told him besides the “For Sale by Owner” homes, we would be looking at oddball discount companies that help distressed sellers further part with their money and property. The mentality of a seller who uses cheesy companies to help them sell their property is pennywise and pound-foolish. If you’re going to use professionals, then get a professional.

So off we go. After a day or so, we have found our house. Sure enough, El Cheeso Inc. has a sign on it. The screen doors are flapping in the breeze, the weeds are dancing on the lawn, but this house is indeed a 3-bedroom, 2-bath, 1-car garage with a fenced yard and it’s selling for $110,000. Well, due to the fact that there is a divorce in progress, and a new girlfriend who doesn’t like the place, and El Cheeso Inc. giving no representation, I negotiate for Dan and he gets it for $99,000. What’s so great about this deal is this exact same floor plan in another house was for sale down the street, on the same street, for $25,000 more.

The moral of the story is good things come to those who deserve it, and that is another key to real estate. You must work hard so others will take notice of you and help you succeed.

Here’s a beauty for you. This is about being in real estate circles and keeping your eyes and ears open and often times your “yapper” closed. This is the story of Brian and Julie. Here we have two hardworking souls. They have been married for 20 years and they have weathered the storms of matrimony. Julie works at a real estate office as an office manager. No real estate license, but she works at an office that sells a lot of waterfront property. So we are talking about location and being in the right place at the right time, and here comes a seller in the door of the office stating she is going to sell her older waterfront home. She is willing to take $180,000.

Julie tells Brian, they look at it and sure enough, this pearl is right on the water. She’s a gem waiting to be polished up, so Brian and Julie sell their condominium and move in. Well, they aren’t making any more waterfront property, so Brian goes to work polishing this jewel up.

Now, they have bought this house under market value in an appreciating market. So about one and a half years later, this property is worth over $350,000 and still climbing. Well, Brian is no dummy, so he gets to know his neighborhood. He strolls, takes walks and notices, you guessed it, a vacant, neglected jewel on an inside double lot. He tracks down the elderly lady, who is living with her sister, through the county records office and buys the house, including the extra lot, for a total of $120,000. Now Brian can walk to his new “jewel” and he starts polishing it. The neighbors start noticing and are amazed at his deal. He has offers of $180,000, $200,000 and $60,000 for just the lot. You name it. Now that the exposure is there, everyone wants a piece of it.

Well, this is what Brian did. He rented his first house out, moved into the second one and used plans that I gave to him to build a third house on the vacant lot, using the equity he accumulated from the first house that went up so much. And here’s how this thing shakes out: $180,000 for his first house and it’s value goes up to $365,000; he picked up the next jewel for $120,000 and he paid cash using the equity from the first house. Now he takes out a new mortgage on his second house for $120,000 and builds a third. The value at last count was $815,000 and he owed a grand total $300,000. That’s a half million-dollar profit in 5 years!

Now what does this story tell us? #1 – it says, “work hard”; #2 – keep your eyes open; #3 – use equity lines; #4 – don’t sell; #5 – learn how to be a landlord; #6 – be in locations that appreciate; #7 – buy things that are limited in availability; #8 – know how to research owners and repair property; #9 – get your partner’s help (spouse); #10 – use knowledgeable friends to help you see potential (I gave him the plans and advised him not to sell anything!).

Can you get any more lessons out of this story? I’m sure you can. Just read it again and think on it. Jot down your ideas and put them to work. Real estate is not that hard, folks! You can do it. With a few magic bullets, some spark plugs and a good mentor to show you how, you can do it too!

Let’s you and me talk for just a minute here, OK! Have you ever been really good at something and been able to step back and see the whole thing for what it is was? You just know exactly how to do it and you can see the end result clearly in your mind before you start. It’s predictable to you. It’s almost second nature, so you are comfortable doing it. It’s almost become boring to you; your comfort zone is such that you can do it in your sleep.

I’ve gotten that way with certain types of real estate and I see people everyday that are so afraid of taking the first step that they are literally paralyzed. They make excuses and put it off, and rationalize and live a quiet life of desperation. They don’t trust themselves and as a result of the unknown they can’t trust anyone else either. This is a vicious cycle because the longer they wait the more it reinforces their beliefs.

I just want to grab them by the collar, take them to the bank and make them tell the banker, “Pre-qualify me!” Then walk them out the door and show them how to do something that will change their life forever, and that is to buy the first property, and then a second. Then their fear is gone and they grow to be of service to everyone who is ready for their assistance.

Let me tell you this: After you finish reading the rest of this report and you read the “Magic Bullets” book, your fears will be subdued and you will do something and your life will change. If you cannot succeed with what I am intent on showing you, then something is not right. I believe your desire would be your major obstacle, so if that’s the case, read “Think and Grow Rich” by Napoleon Hill and come back to me then.

Let’s get back to real estate education, shall we? Do you know who the largest commercial real estate owner in the U.S. is? It’s McDonalds Corporation. Yep, and on top of that, they also have the most valuable locations for their type of business. The research they do on demographics and traffic counts is unparalleled!

If you were ever going to open a fast food restaurant, just put it near a McDonalds. You would survive just on the volume of people who flock or pass by the location that McDonalds has already decided meets all the critical data to support their restaurant business. Your restaurant, if you had good food and service, would flourish. Just sell something a little different than McDonalds. That’s leveraging someone else’s expertise in evaluating a location for a certain type of real estate.

Now that is a principle and principles are like natural laws. A natural law always works in every situation in its own way. It’s like gravity – it always works! Here on earth, anyway.

So in real estate it doesn’t matter what type it is, whether it’s commercial, residential, industrial or recreational. Look for signs that serious market studies have been undertaken by major operators and buy things that can flourish in the presence of those concerns.

For instance, let’s use Home Depot as an example. If Home Depot decides to build on a site, every residential lot within a mile of that new center will be bought up as soon as the Home Depot commits to build! Why?

Because smart investors know that Home Depot has done the market study and the area will be a prosperous one.

On top of that, it will provide jobs, it will pay taxes, it will provide materials to actually build the neighborhoods with, and people will shop there once their houses are built. The same goes for Wal-Mart, Lowe’s and other smart business concerns.

You may or may not have noticed this but take a look the next time you are driving around. Here is what you should see. As you drive into cities from the suburbs, you’ll notice donut shops, gas stations with convenience coffee centers, bagel shops, and etcetera, on the side of the road that people travel to on their way into the city to go to work. These are morning activity business centers.
Now on your way home, out of the city, you will see restaurants that cater to the evening meal crowd: KFC, Taco Bell, Subway and Pizza Hut. That’s because people don’t go there for breakfast. They get it on their way home, outbound from the city at night. If you put your restaurant on the wrong side of the road, you could be making a huge strategical error. Think!

Location, location, location as they say, are the 3 most important things in real estate. That is a very true statement. With residential property, that boils down to safety, security and convenience. So buy homes in good neighborhoods, cul-de-sacs preferably. No noise or through traffic, no escape routes for thieves, and a private setting, where kids play in the street without getting run down.

Security = close to hospitals, police and fire protection for obvious reasons.

Convenience = stores, gas stations, restaurants, small businesses, parks and recreation and access to major highways to circulate or evacuate if necessary.

You might get a great deal on a piece of properly but if it takes you a half hour to get a loaf of bread. What kind of resale will that great deal offer? Another great deal may back up to or face a busy street. That’s often a poor choice as well…noise, pollution, the loss of privacy and curb appeal are all factors here.

The two best types of property to buy are:

1. Property that no one else knows is for sale! Why? Because you have no
competition.

2. Property no one wants! You just have to figure out why people don’t want it.

If you can turn that lemon into lemonade through some problem solving, that

jewel may just shine because you used the right magic polish.

In real estate, you get paid when you solve problems. That is a fact!

Here is a golden nugget for you. If you do this, it will catapult your real estate investment career. I guarantee you will gain more insight to real estate by doing this one thing than just about anything else you could possibly do. The golden nugget is this: Take a real estate appraisal course. It will fly by, a few weekends and it’s over, but the perspective and the information you gain from the class is priceless. It gives you vision, ideas and understanding. You will have an edge over every other investor who has not done it.

I had an instructor, who by some stroke of luck, I was privileged to be taught by. His name is Steven V. and he is truly a genius. This guy could make millions if he applied himself to real estate investment but he chooses to teach and give back to others in that way. He is very comfortable in life and money is a by-product for Steven. When I finished the class, I had appraisers wanting to hire me to go to work. Now I don’t want to work as an appraiser. I just want to think like one and that is why I took that four-weekend course. That class taught me more than both of my real estate licensing courses combined. The reason for that is real estate classes deal with state laws, contracts, regulations and ethics. Appraisal focuses on evaluating real estate and that is what you want to learn as an investor.

A real estate license can actually hold you back from being a savvy investor and here’s why: #1 – You have to announce to every seller that you are an agent. It’s an ethics rule and a disclosure law. Well, now the seller is on guard for all kinds of reasons and you waste precious time overcoming negative reactions. #2 – When you go to sell your real estate, the same things apply but add to that scenario the fact that if you make large profits on property that you sell, people can come after you, saying you took advantage of them because of your expertise. And they win!

So you don’t need to go to college for 4 years and you don’t need a real estate license. What you do need is a guy like me to convince you to go to appraisal school and read books like the one you have now.

Then go out and do it, using a lawyer to protect you every step of the way. Again, here is a good point to make. Simply weave into every agreement or offer you make the following statement: This entire agreement is subject to my attorney’s approval. I can’t stress that enough. That’s one line of text. That covers it all. It gives you time to investigate deals. It protects your interests and keeps you from getting burned in this business.

Here are a couple more beauties that I use to protect myself and you should too.
These are used with initial purchase offers:

1. Willing to pay X amount of dollars or appraised value, whichever is less.
(That says, “I’m only going to pay so much but if the appraisal is lower than

what I offered, than I am going to get it for the lower price. I don’t get

burned!)
2. Subject to my partner’s approval. (My partner was always my wife, and if she

didn’t like it, the deal was null and void, cancelled, over, kaput, finito.)

Now nothing says my partner wasn’t my dog, so if there’s no fire hydrant, well the deal could be off.

Those are examples of escape clauses that could be abused to the point of being called “weasel clauses.” Don’t be a weasel! They give you a short period of time to have the option to buy something first with the right to cancel the deal, contingent upon something or someone else’s decision.

I use them to protect myself and to get a little time to do my research on the property. Don’t use them to unfairly tie a seller’s hands. Be fair and try to move quickly when you do employ them.
What you are doing is creating a short time, zero-cost option to buy real estate. Here is a little trick and I don’t use it very often but it can be used in a fair manner so I will give you the nugget. When you write an offer to purchase property, on the top line of the contract is a line that indicates who the buyer is. On that line in certain cases, I will write my name plus the words or assigns, like this:
Buyers: Dan Auito or assigns

What that word “assigns” does is this: it allows me to sell by assigning my right to buy the property to someone else. Dirty dealers will take advantage of people with that word if they can get away with it.

Here’s where I would use it. In real estate, a lot of bargain hunters look for distressed property. You know, the fixer-uppers, the abandoned, condemned, fire-damaged stuff. I go a step further and look for distressed sellers such as death, divorce, relocation, but a lot of times I don’t specialize in that type of property.

That’s OK because if it’s a steal and I get it for 40 – 50% off, I will assign it to someone who does deal in that type of property and make a profit by assigning it.

I’ll always ask the distressed seller if that is a problem and if it is, I will buy it outright, then flip it but it costs more to do that. So I’ll explain this to the seller and get their permission to use it. I don’t slip it in on them. You will have a miserable existence if you practice real estate by deceit. Natural law will crush you; play fair! Purpose, passion and desire cannot be achieved or acquired by deceit. That’s a quotable quote. I hope you remember it.

Let’s get on with another story. This illustrates another fine example for you. This story is about a family who had business interests outside of real estate investing and as a result of the successes of their other businesses they had fairly large sums of money to play real estate like a monopoly game. Power can be dangerous in the wrong hands!

So here we go. This flush with cash family sees an opportunity to take advantage of an overlooked or left alone market. That market is the old-fashioned trailer park, or shall we say Mobile Home Park.

Anyway, the way most mobile home parks came into existence was this: Usually a man of integrity and strong work ethic coupled with a love for his fellow man would buy a piece of land suitable to the placement of mobile homes. As people moved in, he and his wife would welcome them and the neighbors would greet them and the community would become established.

The private owner would dig his own sewer lines and cut his own roads and landscape the park. Maybe put in the clubhouse complete with a swimming pool, shuffleboard, pool table and meeting hall. As time marched on, the residents bonded with each other and a family-friendly community took root. Well this man of integrity had a problem. Since all of his tenants are his friends, he is pressured not to raise the lot rents with inflation.

So the rents over the years are kept very low in the park and now this man and his wife are getting old. Perfect timing for our investors to come knocking and offer our private aging park owner a 2 million dollar price for his 10 acres of mobile home lots. This is a once in a lifetime offer and many park owners cashed out.

What people didn’t see was these investors were systematically and methodically doing this all over the place and once they cashed out as many mom and pops as they could, they lowered the boom.

Now they the investors had control of many parks in the same areas and they started raising the lot rents. You see, they didn’t have any emotional ties to the residents and they didn’t live there, so it was a straightforward business deal: either pay the new higher rent or move.

The residents said, “To hell with you new owner, we are moving.” “Well, fine, go ahead,” they said. Now the residents started calling around to find another park with low rents but guess who owned those? Yep, our investors did, and those lot rents were going up too. So the mom and pops who didn’t sell were full and it would cost on average of about $7,000 to relocate to another park even if they could find a vacancy.

The old folks who had it so good for so long were faced with a new reality and that was that they had no choice but to pay up or move, and moving, in many cases, wasn’t an option. These investors exploited a complete segment of the market and made millions and millions in profit and continue to do so today.

It wasn’t long after this happened that you started seeing signs saying, “This is a resident owned community.” People eventually got smart and started buying that little lot that their trailer was sitting on and they began paying association dues for the clubhouse and security and grounds, maintenance and road repair. The good ole days are nothing but a fond memory.

Life goes on but America did not change for the better as a result of these types of people. Their only purpose was to make money; I believe they will die alone and in misery as a result of their way of life.

So I ask you again, can you be passionate and put your heart into investing in real estate by investing the way our corporate investors did? I think not. Money is no good when you get it by deceitful ways. I encourage you to work at balancing your objectives. Lease optioning, flippers…you are walking a fine line.

Here’s a flip side to communal living. This story is a happier scenario, so let’s have a little joy here. I once lived in Key West and I lived off base. Well, I thought I lived next door to Noah, and it sounded as though he was building another ark. All summer long, hammers and saws seemed to be making some type of racket, so naturally being the neighbor I was, I got to know the man next door. He never went to work and I asked him one day, “Don’t you have a job and he kind of grinned and put his hammer down and this is Mark’s story.

Mark and his brother were from the Northeast and they had a 30-room boarding house for college kids there, at something like $300.00 a month. That was about $9,000 a month and they made the parents responsible for the rent payments. Mark would spend his time with his family in the Keys for the nine months that school was in session. His brother was a local up North and he took care of the toilets, faucets, doors and windows. Yes, they had their very own animal house going on there, but Mark factored in the abuse and would spend 2 – 3 months a year, putting the animal house back together while the animals went home for summer break.

Airport Transportation and What to Do

Finding transportation from the airport to your destination makes a lot of travelers weary. First of all, you have to find someone that you can trust and then you have to trust them to get you a means of transportation which is suitable and fits your needs and requirements. Secondly, the vehicle has to be comfortable and the airport transportation provider has to be flexible to your demands. Due to the increasing number of tourists, vacationers, businessmen and travelers flying in to airports at all times the demands for airport transportation have increased tremendously over the years.

Before picking a particular means of transportation you should know that there are different options and choices available to you. The times are long gone by when a taxi or a town car was the only option available for travelers as airport transportation. Different choices that you pick from are:

  • Airport Limousines

Airport limousines are readily available everywhere and are a great means of traveling. Limousines are not only luxurious but are also extremely comfortable to travel in. Their gleaming and sleek exterior combined with the luxurious and plush interior puts your body, mind and soul at ease instantly and you can relax and enjoy the rest of your travel in utmost comfort. Hiring a limousine has a lot of benefits. First of all, a chauffeured limo would be waiting for you as you exit the airport. The chauffeur would take charge of your luggage while you can make yourself comfortable to your limousine. These chauffeurs are some of the best drivers and will make your road travel all the more worthwhile.

  • Airport Taxis

One of the most common means of airport transportation taxis and cab services are virtually accessible from every airport around the world. You can hire a taxi for yourself from any of the booking offices located near the airport and you can also book one for yourself in advance over the internet or the telephone.

  • Airport Shuttles

Airport shuttles are also a favorite for many travelers because these are the cheapest means of airport transportation. Shuttles usually leave from the airport to the city at regular intervals throughout the day. Various hotels, spas and office groups have their own private shuttles which will take you directly to the respective destination without any stops on the way. Shuttles normally seat between 8-12 people and there is always enough space on board for you to stretch your legs and relax. Shuttles also have immense baggage space and you can fit as much of your luggage in as possible.

Whichever means of airport transportation you pick, just remember that priority should be given to a service which is reliable and professional and would value you as a customer.

 

Help in Getting an Auto Loan When Bankrupt

To get an auto loan with bankruptcy some steps must be followed before looking for a loans. You should get your credit report that contains your credit history. Make sure that your credit accounts listed are accurate and there are no open accounts that should have been closed. It is advised to add a small page that explains what caused the bankruptcy. In case of real mishap like medical emergencies that caused debt which resulted in bankruptcy the lender may give you better interest rates than in normal bankruptcy conditions.

Plan Your Car Purchase
Before a person with bankruptcy goes out to search for an auto loan he must make sure how much he can manage to pay as monthly installments. This will determine which deal in the market he should opt for. The amount and the period in which the repayment must be done are used to calculate the monthly payments. Do the math and find out which loan gives you affordable loan payments.

Restrictions in Auto Loan after Bankruptcy
Some restrictions or points that lenders stress are also faced by the unfortunate bankruptcy affected person. The first thing is that the bankruptcy should be discharged before lenders should give the loan. To be eligible for the bankrupt borrower must have minimum gross $1,500 income if his score is below 625. There should not have had any repossession in previous year.

The age limit is 18 and person should be a US resident if that person is in America. Down payment may be required as well because after bankruptcy auto loans are 8 times the persons monthly income. For instance, if the earning is $1,500 than the auto loan given is $12,000. The monthly payment should remain within 20% of the monthly earnings.

Reason for Above Restrictions
These restrictions for auto loan are enforced so that the already bankruptcy affected person must not fall in unmanageable debt problems and the lender is also protected. The interest rates on auto loans also vary according to the risk involved in lending and car chosen

Use a Car Loan Lender
The car loan lenders can be helpful to find you an auto loan. These lenders work with financial institutions and give loans to the people. Online auto loans lenders are a better option as you can find better deals than the local loan dealers. Interest rates on the internet range between 5.7% and 7.2%. The online company want the borrower to go through an authorized dealer which is necessary for lending to a bankrupt person.

Explain Your Situation
The auto loan application asks that why bankruptcy occurred. Don’t hesitate in telling and elaborate the problems that caused you the big financial set back. Tell them how you have now planned your finances to resolve your financial crisis. Do include improvement in the credit score.

Consider Refinancing
When you get a car loan you must look to refinance in future as well. In some years if you are regular in payments you will qualify for lesser interest rates.
Bankruptcy does have a lot of disadvantages over a person’s financial life. The biggest one is being unable to find low interest unsecured loans easily. Without a car a person really becomes crippled in a sense that he can not move freely in big cities not even a single town. With bankruptcy it becomes even difficult to get an auto loan.

To get an auto loan with bankruptcy some steps must be followed before looking for a loans. You should get your credit report that contains your credit history. Make sure that your credit accounts listed are accurate and there are no open accounts that should have been closed. It is advised to add a small page that explains what caused the bankruptcy. In case of real mishap like medical emergencies that caused debt which resulted in bankruptcy the lender may give you better interest rates than in normal bankruptcy conditions.

Plan Your Car Purchase
Before a person with bankruptcy goes out to search for an auto loan he must make sure how much he can manage to pay as monthly installments for the loan. This will determine which deal in the market he should opt for. The amount and the period in which the repayment must be done are used to calculate the monthly payments. Do the math and find out which loan gives you affordable loan payments.

Restrictions in Auto Loan after Bankruptcy
Some restrictions or points that lenders stress are also faced by the unfortunate bankruptcy affected person. The first thing is that the bankruptcy should be discharged before lenders should give the loan. To be eligible for auto loan the bankrupt borrower must have minimum gross $1,500 income if his score is below 625. There shouldn’t have had any repossession in previous year.

The age limit is 18 and a person should be a US resident if that person is in America. Down payment may be required as well because after bankruptcy auto loans are 8 times the person’s monthly income. For instance, if the earning is $1,500 than the auto loan given is $12,000. The monthly payment should remain within 20% of the monthly earnings.

Reason for Above Restrictions
These restrictions for auto loan are enforced so that the already bankruptcy affected person must not fall in unmanageable debt problems and the lender is also protected. The interest rates on auto loans also vary according to the risk involved in lending and car chosen

Use a Car Loan Lender
The car loan lenders can be helpful to find you an auto loan. These lenders work with financial institutions and give loans to the people. Online auto loans lenders are a better option as you can find better deals than the local loan dealers. Interest rates on the internet range between 5.7% and 7.2%. The online company want the borrower to go through an authorized dealer which is necessary for lending an auto loan to a bankrupt person.

Explain Your Situation
The auto loan application asks that why bankruptcy occurred. Don’t hesitate in telling and elaborate the problems that caused you the big financial set back. Tell them how you have now planned your finances to resolve your financial crisis. Do include improvement in the credit score.

Technology and Literacy Learning Through the Eyes of Students

The age of modern day learning has arrived. It is no longer a matter of whether we want to integrate technology and education; it is a necessity. The reality poses an immense problem and threat to the longstanding educational institutions that have for the most part remained unchanged for nearly a century. Who would have imagined that the alphabet’s letter “E” would forever transform the face of education to E-Ducation?

Technology in education has progressed from basic tools such as the abacus, pencil, ruler, paper and calculator to computers, laptops, iPads, tablets, software and apps. The technological advancements alone are forcing the manner in which teachers teach, how students learn, the ways schools are structured and breaking the barriers between home and school life. At its core, technology is impacting the very essence of the future of humanity.

Digital Natives: A Generation Dedicated to Learning with Technology

The prominence and rise of technology in the world applies to all aspects of life including how we learn. It appears that the days of “open your textbook, read the following pages and answer the questions” will be for the most part a thing of the past.

As educational institutions resist and make attempts to adapt, it is crucial to keep in mind the learning needs of today’s digital natives. The digital natives are those that were born during or thereafter the inception and introduction of digital technology.

This generation is not only accustomed to technological advancements and devices they expect it. As such, drastic measures will have to be implemented to meet the student’s expectations for learning. The key will be to adapt to an uncertain, modern, changing and dynamic global world.

Pivotal Technologies and Learning Portals

Technological advancements will allow education to be universally accessible, customized, individualized and highly adaptive. In essence, learning with technology is propelling independent learning to the forefront.

Now more than ever, students will have the opportunity to individualize and navigate the knowledge portals through pivotal technologies such as the Internet, Open Sources, Virtual Learning Environments and Mobile Learning Devices. Open Sources includes MOOCs and Web 2.0.

Massive Open Online Courses will allow students the autonomy and flexibility to choose what they want to learn independently. The Web 2.0 is simply the way new web pages are designed and used. Students will have a multitude of options by virtue of using Open Sources through a variety of Mobile Learning Devices.

Virtual Learning Environments will only enhance the learning experience by making it fun and interactive. Students will have a wide selection of learning mediums to complete assignments and receive feedback. Hence, the learning would be more interactive and engaging.

Individualized Learning and Bring Your Own Device (BYOD)

The role of the teacher would alter to monitor and provide feedback at an unparalleled level. Technology would of course also help the teacher with the many independent learning assignments, projects, presentations etc. of the student’s through the use of Learning Analytics. Learning Analytics is the accumulated of created data to continually evaluate and precisely guide student learning.

The digital natives are choosing their own devices to learn in a world that has cloud computing and the Internet. They are living in a digital information literacy online world. Their reality encompasses learning through educational games and virtual learning platforms. They are living in a world where the physical and virtual have amalgamated.

Learning with Technology from Students’ Perspectives

As such, what do kids think about technology and learning? How often do we really ask for their thoughts and opinions? Do we really take into consideration how and what they want to learn? Should what they have to say really matter how we as educators make decisions? Personally, I do believe that they do bring value to the decision-making table.

My sister in law is an eighth grade social studies teacher at a middle school. In a conversation with her, she mentioned to me the various ways she integrates technology in the learning. What I found especially of import was her comment on how the students use technology as easily as breathing.

She explained to me that now only do students expect it but that they demand it. She further informed me that it is a necessity and it brings lots of fun to the learning. As an educator, I firmly believe that learning should be continuous, fun, engaging, inquisitive, and ongoing.

Students are Right at Home with Technology

Humanity should be learning something new each and every day. It should be viewed from a window looking out into the horizon of each new day. It seems logical to catch a glimpse of learning through the eyes of children.

I often reflect on how my 7 year old niece sees the world and how through her eyes I learn something new every day. As Digital Natives do, she carries an iPad with her and frequently shares videos, cartoons, games, songs, etc. with me. I can literally say that I am learning things that a 7 year old child is learning.

Wow, the whole idea seems to put me in awe. What she has learned through the use of technology can be only termed as amazing. The ease, comfort and curiosity that impel her to learn independently without her parents or teachers imposing “because you have to” are truly remarkable.

Learning with Technology: A Necessity

Never in the history of our world has the trajectory of technology education been a certainty to create a better global society where one and all will have the opportunity and accessibility to be literate.

A view from a student’s perspective about learning with technology as mentioned above is a 6 part series that will include technology and students, learning with technology, student’s and iPads, learning with games and virtual learning. Stay tuned to next week’s blog article on students learning with technology.

The time has come when student learning has gone beyond the classroom because the use of technology. Now, student can engage in a much more interactive way to increase learning.

Article Source: http://EzineArticles.com/expert/Magali_Lopez/1830257

Article Source: http://EzineArticles.com/8325491

How to Choose a Technology Partner?

You have discovered the need to enlist the help of a technology partner, doesn’t seem like it should be too difficult to find, just Google it, right?

The dizzying amount of results that this simple search returns will put a kink in your plans to have a list of potential technology partners to your boss by this afternoon. There are a lot of things that need to be considered when picking your technology partner and a lot of criteria you should keep in mind when making this decision. Seize the opportunity to turn this decision into a strategy to stay ahead of your competition.

First, let’s define what a technology partner is and how a technology partner is different from any other technology company. Technology partners offer technical expertise to assist you with your technology needs. A technology partner works alongside your team, taking the time to learn your business and educate you on the technical options available to you. Rather than just waiting for the end product, a technology partner will communicate and collaborate with you throughout the entire project so that the final product meets your needs, saving you time and money. Now that we have defined what a technology partner is, there are considerations that need to be addressed prior to choosing the right partner for you.

You have discovered the need to enlist the help of a technology partner, doesn’t seem like it should be too difficult to find, just Google it, right? The dizzying amount of results that this simple search returns will put a kink in your plans to have a list of potential technology partners to your boss by this afternoon. There are a lot of things that need to be considered when picking your technology partner and a lot of criteria you should keep in mind when making this decision. Seize the opportunity to turn this decision into a strategy to stay ahead of your competition.

BEFORE YOUR SEARCH:

Before you even begin searching for a partner you need to consider your budget, internal resources, your intended market, and role of the new software. You should know where your company stands on this project and how much your company is willing to spend on this project. These are all important things to understand yourself before you engage potential partners.

It is important to ask yourself a few questions about the project itself. What will you need the software for? How intuitive do you need the software to be for the end-user? Is there something on the market already that would fit your needs? After you have answered these questions you will be able to see the extent of the project and have a better idea of the resources that you will need from a technology partner. With a better understanding of the project itself and how your company will handle it, you now have to determine what attributes are important in a technology partner.

CONSIDERATIONS

When it comes to making the decision on which company to partner with on your project it is important to take multiple factors into consideration. Your company is investing a lot of money into this one project so it is important that the project is set up to succeed. This decision can make or break your projects success so you need to take your time and do your research to find the company that is the best fit for your company and your project. You will want to see a track record of a potential partner’s level of customer service. You may have to obtain referrals and references from past customers in order to prove the level of customer service they have provided. Past projects are telling of what you can expect from the companies on your project.

To have a successful project you need to hire a company that has an understanding of your business or a company that makes understanding your business a priority. A lack of understanding in these situations can result in a project that is disjointed from your company and your message. Although companies might have an excellent level of technical expertise it will do no good if they produce a product that does not look like yours. One of the reasons that you are in search of a technology partner is likely because your company is similar to many others out there and resources are hard to come by. Make sure that potential partners have the resources you need. This information can be validated by asking for referrals, references, and looking at a portfolio of projects the company has completed. Another great way to find this information out is to ask what technologies the company uses and ask to see examples. This is one area where it will pay off to do your due diligence.

To confirm a company’s experience you should ask for a timeline of projects they are currently working on and the projects they have worked on in the past. This will be helpful for you to see if they have worked on projects similar to yours in the past which will demonstrate if they have the ability to complete your project. A timeline will also be helpful because you will be able to see if they have worked with teams and companies of comparable size.

One of the keys to a projects success is the ability to meet deadlines and make the release date. Responsiveness is a big part of being able to complete the project on time and you want a company you work with to respond to you when you have questions or changes that need to be made. You should be able to tell if a company will be as responsive as you expect from early on in your engagement.

It is important when hiring a consultant to work on your project that they are objective. You want the potential partners to be able to give you objective advice about technology. This can be an issue when some companies are only willing to work in one technology. You want to use the technology that works the best for your project and will be the most beneficial. Make sure before committing to one company that you ask what technologies the company works in and you should be able to tell from their answer their willingness to work in different environments.

Making sure your business style will work with the company you choose is important. If the company has an informal business style, but your company is formal there might be some issues. The level of professionalism should match, limiting the number of problems you might encounter. This might ensure the teams are compatible and will integrate well with each other.

Are these potential partners going to be available when you need them to be? Confirm with potential companies that they have more than one employee dedicated to your project. You may want to consider using a company that uses Project Managers or Engagement Managers to ensure that you will be able contact someone when you need to. Project managers are helpful as a single point of contact.

Chemistry and ease of doing business are important aspects to consider when choosing a technology partner. If the rapport between your team and a potential technology partner are off there will be issues that will be hard to overcome. You will get an idea of this from your initial look into the company, were they easy to get a hold of? Did you mesh well with the employees you have spoken to?

Does this project require ongoing support and do the companies you are considering offer the support you will need? Will the company prepare your own team to take over maintenance upon completion? You will have to consider what you need from the company after the completion of the project and then match those needs with a company that offers those services.

Low Interest Auto Loans – Tips To Get Lowest Auto Loan Interest Rates

Unless you’re paying cash, it is no wonder that you are searching for low interest auto loans. Getting the best auto loan rates just makes good financial sense.

However it takes a little work to find the lowest interest, simple work that most people are unwilling to do. Here are some tips to get the lowest auto loan interest rates.

1. Low Online Auto Loan Quotes

There are many banks and auto loan companies online that offer competing auto loan quotes. Because of this almost global competition online lenders are more likely to offer you the lowest interest auto loan quote in order to get your business.

Safe, secure and fast you can apply for a auto loan and get approval in minutes. Then you can compare and choose the one with the lowest interest rate. This allow you to shop for a car like a cash buyer, saving you even more.

2. Get Your Credit In Order

Your credit history will ultimately determine how low the interest rate will be on your auto loan. You should know where you stand, credit wise, before you apply for a loan not after. Get your credit report, it’s easy, and by law you are entitled to one free credit report a year or every 12 months, get it. The three main credit reporting agencies are Equifax, Experian, and TransUnion.

3. Know Your FICO Score

This plays a big part in whether you will be approved and the interest rate of your auto loan. Your FICO scores are the credit calculations or scores many lenders use to determine your credit worthiness.

The FICO credit score range is widely accepted to be between 300 and 850, the higher the better. Raising low FICO scores not only can help you get the lowest interest auto loan but will also save you thousands on the total cost of the car.

4. Dealing With Bad Credit

It is not impossible to get a low interest auto loan with bad credit. In a perfect world you will have your bad credit erased, but as you know this can take time. Time which you may not have before you need a car.

In the case of a bad credit history a low interest car loan does not mean best low interest rate available, but lowest interest auto loan for people with bad credit.

You definitely want to have options in this case. Taking the time to research and compare auto loan quotes will pay off handsomely with a low rate auto loan with bad credit that will allow you to be able to afford that car.

In many cases low interest car loans are just a click away. If you can get your credit and FICO score high or high enough then it is just a matter of shopping for the best interest rate for a auto loan wisely. That is right, shop just like you will for a car, even if you have bad credit. Then compare a minimum of 3-4 auto loan quotes online or locally, this will enable you to find and secure the best low interest auto loans that you can afford.

Buying Real Estate In Nicaragua

The first step to shopping for real estate in Nicaragua is to forget everything you know about the process back home… no matter where home may be.

Let me make one thing clear from the start. There are incredible bargains to be had buying property in Nicaragua. In fact, there is no other market in the Americas where insisting upon a 40% return on investment or better is reasonable. However, there are few similarities between the rules and regulations governing the real estate industries in North America or Europe, and Nicaragua. It’s because of this lack of similarities that foreign investors often get into trouble. There is a preconceived notion on the part of foreigners that the Nicaragua real estate industry is as carefully regulated as it is elsewhere, and it is this incorrect assumption that sets foreign investors up to be cheated. The only universal real estate investing rule that applies as equally in Nicaragua as it does anyway else is Caveat emptor, buyer beware.

Real Estate Brokers

Basically there’s no such thing in Nicaragua as a real estate brokerage that a Canadian, American or European would assume the term represents. There are real estate brokerage offices. Some even have familiar franchise names, but that’s where the similarity ends.

There is no mandated, formal training of real estate sales people, nor are there specific licensing requirements. Anyone can become a “realtor” by paying for a merchant license or incorporating a Nicaraguan company. I’m not suggesting this means “all” real estate sales people are incompetent or untrained… many are. In fact, there are a number of retired realtors who relocated to Nicaragua and maintain successful, upstanding businesses. However, there are many more who are not at all competent, and operate on the razor edge between honest business and outright fraud. Caveat emptor again!

There are no district or federal regulatory boards governing the real estate industry in place. Real estate sales are no more regulated than a vehicle sale transacted by a street vendor. Outright criminality is not ignored by authorities, but having the perpetrator jailed is unlikely to result in recovery of any money lost. The revenge should make a fleeced buyer feel better though. Nicaraguan jails exist to punish criminals, not rehabilitate, and they are Hell on Earth. Unfortunately though, most issues that can arise in a real estate transaction are considered civil matters by law enforcement and have to be treated as such. In short, whatever money you think you were cheated out of… consider it lost. Even with a judgement in the plaintiff’s favor, collecting money owed in a judgement rarely happens. So again, caveat emptor.

A serious shortcoming in the Nicaragua real estate market is that there is nothing similar to a Multi Listing Service (MLS). The lack of any form of MLS means there is no central registry of properties for sale, nor any information as to what a property sold for. The result is that it’s very difficult to decide what a house or commercial building in a particular neighbourhood is worth since there are no comparable property transactions to use as a guide. Appraisers base their appraisals on replacement cost mostly, and whatever else they provide is pure guess work. Ironically, banks require appraisals created by licensed Nicaraguan appraisers if mortgage funding is being requested.

There’s no such thing in Nicaragua as a listing similar to what most foreigners would understand the term to mean. Real estate shoppers will hear a realtor say that he or she has a listing, but it’s common to see two or more real estate signs on a single property. Likewise, the same property may appear on multiple real estate company websites and be advertised online by numerous different people. More confusing, the prices advertised may vary for the same house, sometimes by tens of thousands of dollars. Nicaraguans selling their homes rarely lock themselves into an agreement with one party wanting to sell their land, house or commercial building. If you want to sell something, the assumption is the more people trying to sell it the better. And by more people that can be realtors, the owner themselves, their family and friends, a neighbor, or a horse drawn carriage driver. This seems chaotic to a foreigner shopping for a retirement or vacation home, but it makes perfect sense to Nicaraguans. Without an MLS service that allows numerous realtors to show prospective buyers a listed property, letting everyone try to sell a property seems to be the best way to get exposure.

Another misconception foreign purchasers have when buying real estate in Nicaragua is that the seller is paying the real estate agent. This is sometimes the case, but even when it is the buyer may be asked to pay the commission. Yes, this is legal in Nicaragua. In fact, not only could there be a commission paid by the seller and buyer, but the real estate agent may have added an amount to what the seller actually wants in his or her hand. This too is legal. The worst case scenario is that the seller wants US$50,000 for his or her home. The sellers offers anyone selling the home US$1000 or a percentage. The real estate selling agent advertises the home for US$59,900, allowing for negotiating room. A buyer settles on US$55,000 but is told that in Nicaraguan the buyer pays the commission. Not actually the truth, but common enough that people think it’s a rule. The requested commission can be anything up to as much as 10%, or it can be a flat fee. Once all is said and done and the buyer agrees to purchase the property for US$55,000. In a case such as this, the ‘agent’ will insist on a nonrefundable US$5000 down payment. At closing the seller receives the US$50,000 that he or she wanted and the selling agent pockets the rest.

I know of a purchasers who handed a ‘realtor’ US$65.000 to purchase a 3 acre farm with a small house on the property. The ‘realtor’ then went to the owner of the property and paid him US$20,000 to buy the land. It gets worse… the ‘realtor’ never bothered to make the title transfer until the buyer discovered he was not the owner when he tried to pay long overdue taxes. In the end the property was purchased by a developer for little more than the original US$65,000, but 8 years of appreciation later. In another case Europeans purchase a home and overpaid US$85,000. Of course basing their offer on the European real estate values they knew, it was assumed they were getting a bargain. The ‘realtor’ pocketed the US$85,000 and a commission he charged the buy as well. Again, perfectly legal in Nicaragua… so caveat emptor.

The way to navigate through what foreigners view as market chaos is to use a knowledgeable real estate consultant to find a property you want, negotiate the price, terms and conditions, conduct the necessary due diligence, validate the title and survey, and so on. This is a fee based service but far less expensive than a percentage sales commission, and far, far less than a costly mistake would be. One such service is Nica Investments, a real estate consultancy that assists foreign investors purchasing real estate or businesses in Nicaragua.

Sell Your Auto Faster – 4 Great Tips!

It is hard sometimes to get rid of your old auto but i and going to share with you 4 great tips to get the best price and sell your auto much faster, I have owned over 100 auto’s in my life and yes i had to sell them when i was done. So i hope this helps.

Auto selling tip # 1 Clean your car! I know you would think everyone would know to do this but you would be surprised at how many people fail to adequately do this very simple thing. And i mean clean like you have never cleaned it before, Wash it, Wax it, Vacuum it, Do the windows, Clean the engine, Clean the wheels / rims etc. You have to put yourself in your buyers shoes they are about to spend their hard earned money on an auto and they want to get the best value they can. People love their autos and it makes sense that they would want to see themselves in a nice fresh clean auto. You would right? I have always used a auto’s appearance as a point in my negotiations, If it was dirty, (Even though i know what i could do with the car due to my auto detailing experience) I would offer them far less then the asking price.

Auto selling tip # 2 Research your car, Having a good understanding of your auto’s market value will help keep you grounded in reality as to what you can expect to receive for it. A good idea would be to search local and on-line classifieds and you might want to check out the blue book value. Just keep in mind that your auto is going to sell for what the market dictates, And even though you might think it is worth more then what you see in the market it does not make it so. ( Of course bear in mind the first tip will help considerably in this ).

Auto selling tip # 3 Know what you want for your auto before you put it up for sale. Now consider this if you want $10,000 for your auto then you may want to put it up for $11,000 the reason being of course is that people want negotiating room, ( They love deals so give them one! ). I cant tell you how many times i have never bothered to call someone who has the word firm in their ad, It just makes sense not to exclude any possible market from calling on your auto. Also don’t give out your lowest price over the phone, Let them come and fall in love with your auto then let the negotiations begin.

Auto selling tip # 4 OK I am going to give you a selling technique that is well…. On the edge of good taste. Here we go When a person calls on your auto use this line “oh were you one of the ones that called already on this, I have a allot of messages to call back and just wondered if you had already called” This of course will lead them to believe that you have a hot item and others are quite interested in it ,Creating an urgency for them to come and see the auto. Like i said that’s a bit on the edge, Sorry. ( But it is very effective.)

Well i hope the advice here helps you sell your auto faster then ever before.

My name is Christian Gillman I have worked in various fields of the automotive industry, Including auto sales, Auto repossessions, Auto transport, Auto detailing, I have seen the best and worst and i am more of a consumer advocate then a greedy salesman so i love to tear down the dirty little secrets of the auto industry.

New and Used Auto Loan Financing for People With Bad Credit

Having a difficult time getting an auto loan from the dealer? Are the banks turning you away in a hurry as well? Let’s face it, if your credit is less than perfect, you may feel like you are running out of options for getting an auto loan financed.

Most lenders will make you feel like you can’t get an auto loan because they aren’t willing to take on the risk of lending to sub prime auto loan applicants. Although being placed in the “sub prime” category does limit your options, it doesn’t mean that you are completely out of luck.

There are plenty of options for the bad credit auto loan borrower. Many online auto loan lenders give buyers with bad credit a chance at owning a nice new or used car.

First, you need to understand what goes into getting a bad credit auto loan and why many lenders are willing to take a chance with bad credit borrowers.

Understanding Your Credit Score

A bad credit auto loan borrower is typically someone with anything less than a 620, and in some cases a 650 FICO score. This could have been from past bills that went unpaid, late payments, and many other factors.

Typically credit mistakes occur when a person doesn’t understand the importance of their credit score for their future and they make bad decisions. It could also be due to financial hardship, and being unable to pay bills on time.

Make sure you run a credit report, preferably with all 3 major credit bureaus. Many times mistakes have been made on your report, and items that should have been removed are still counting against you.

Knowing what your credit score is before applying for an auto loan can lead you in the right direction as to where you should look for financing.

If you have a high-risk credit score, don’t bother trying to get financed through the dealer or the bank. It will only discourage you more. Instead take a look online for companies that specialize in this type of loan.

Remember That Your Credit Can Improve Over Time

There are ways to get mistakes removed from your report, and writing the credit bureaus is one way to take care of these issues.

Since you are probably in a bad credit situation if you are reading this, know that it is something that can be fixed over time through research and action.

You can also pay for an experienced credit professional to assist you in writing the bureaus and getting negative marks removed. Although this service usually costs hundreds, it could save you thousands in the future.

Check online resources and ask friends and family who may have been in a similar situation. You would be surprised at how many people have dealt with similar credit issues in the past.

Once go through the process and fix your credit issues over time, you will not have to worry about getting a bad credit auto loan approved.

After your credit has improved, you will be able to walk into a car dealership or bank with confidence, knowing that they are going to finance your auto loan based on your new and improved credit score.

Find Bad Credit Auto Loan Companies

There are many online auto loan companies specializing in bad credit auto loan lending. Typically there is going to be a difference in auto loan interest rates depending on your credit score.

The interest rates are typically much higher for a bad credit auto loan candidate than they are for your average good credit borrower.

Most bad credit auto buyers start the process knowing that their credit score is a minor roadblock in getting a car loan. It’s best to make sure you are comfortable with the rate you are quoted, and that you are not getting pushed into a loan with poor terms. This is why it’s imperative that you read over the terms carefully when signing papers.

Get Your Auto Loan Funded

Now that you understand the process of getting an auto loan with bad credit, you should be much more confident. You have options to explore, and many companies out there who will lend you money regardless or your credit history.

After all, you deserve a new vehicle and a fresh start. Think about how easy it will be to get a car loan financed in the future. And for now, knowing how to get an auto loan with bad credit should give you plenty of confidence.

Safety Tips for Girls Traveling Alone

Choose accommodation wisely.

Check all the hotel options, location, services they provide and type of rooms. Try to avoid hostels.

Protect your money and documents.

As your packing and luggage, you need to travel light and avoid carrying many handbags and stuff with you. A good tip is to get a money belt, you can find it easily, it is cheap and you can use it under your clothes.

Visit public and safe places.

Avoid walking alone especially at night and in dark places. Try to visit popular places and if you need something or get some information avoid asking a stranger, you better go to a coffee shop, restaurant or store and ask an employee. You can also have with you a pepper spray.

Avoid Taxi Cabs.

Taxis are not always the best option, you don’t know if they’re completely safe or which route they can take. You don’t need to be looking for a taxi standing alone at street, there are some private transportation agencies like Uber or any airport shuttle that will provide you the whole information of your ride like the type of car, driver’s name, routes, and timing information. You can also ask for a woman driver if you want to!

Bring some medication or your personal “first aid kit”.

You know your body and which medications you need at specific situations. Consider that it might be difficult to find some medications in other countries, cities or places so, you better bring them with you (medications for headache, stomachache, pain, antibacterial gel, contraceptives, etc.).

Be careful of what you eat and drink.

Don’t eat or drink too much, know your limits. You can use websites like trip advisor and search for the most recommended places. Try to avoid eating at street and if you want to have fun and take a couple drinks do it with moderation. If you meet people at restaurants and bars don’t let them know you’re traveling alone and don’t give them specific information. You never know people’s intentions and who you’re talking to.

Learn the basics of the local language.

If you’re traveling to another country with another language you should learn all the words and meanings you could need (like restrooms, banks, hotel, restaurants, food, hospitals, transportation services, etc.) or you can also bring a dictionary with you. This way people will understand you easily.

Trust and listen your instinct, take care of yourself and have an amazing travel.