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Friday, September 14, 2007

$4800.00 A month Aint BAD!!!!!!!!!

$4800.00 A Month Aint BAD!!!!!!!!!!
byTim Firth

This is a quick guide on how you can earn a full time income with affiliate programs without even having a website. This is so simple, its stupid, yet so many affiliates keep failing.

The biggest reason I failed when I first started online was because I complicated things. I tried to create huge websites filled with content, and it just did’nt work because I lost my motivation.

With this guide, all you have to do is create a free autoresponder series, then advertise it directly with ezines and other simple methods that I will show you.

Select 3 affiliate programs

To make this work and not be a one hit wonder, you will need to select THREE affiliate programs to join. The criteria to select these programs is a little different than going out and selecting the affiliate with the biggest commission although this does play a role.

Of course, all the affiliate programs you promote will have to revolve around the same subject. For instance, say your first affiliate program is an ebook on Mini Sites, then your second affiliate program that you sell could be a “members only” site based on Mini Sites and your third affiliate program could be a service where someone creates a network of Mini sites for your customers.

I will talk more about this later and how the pricing is crucial.

The first affiliate program you promote will want to be one that pays a larger than normal commission on the first sale. Do not accept anything less than 40% commission for your first affiliate program. The reason for this is because we want to make a profit on the first affiliate program and by selling any product that does not make you at least $20 per sale you will not profit straight away. The main aim of this is to really build up your opt-in mailing list.

If you break even, don’t be discouraged. Breaking even is an amazing result, and if you have built your list up, then you will be profiting for years to come.

So for your first affiliate program, choose a product that sells for around $40 to $50 and where you still get at least 40% of the total profits.

Your second affiliate program you join will be in the category of what we call “Residual Income”.

This is an affiliate program that pays you every month someone stays signed up for their product or service. For example, if you were to promote a web hosting company, and they charged $25 a month, you would get around $10 a month for as long as that person stays signed up for the web hosting. This is one of the best ways of earning a secure pay check every month.

These are great programs to promote because all they require is a little hard work up front and you’re set for months, even years. That’s why I recommend promoting this type of program when you have a large list of names to email to.

Of course you will still be promoting your free course to other people but this is a way to make back end sales from your current list. Don’t think if you’ve advertised to these people once, that’s all they are good for.

Now your third affiliate program will also be a program that you will promote to your current subscriber list. This program should pay you a large sum of money. Although this type of program will have a lower conversion rate, you should be making $80 to $150 commission per sale.

Now you must promote your three affiliate programs successfully – For a step-by-step guide, visit the website below.

Timothy Firth B.Sc. Hons. is an expert author and provides cheap e-books with master resale rights, premium e-books, audio books, software and home business opportunity suitable for everyone. For more information on Article Cash, visit E-Book Library Online - http://www.ebooklibraryonline.co.uk

Article Source: http://EzineArticles.com/?expert=Tim_Firth

Friday, February 02, 2007

How To Start & Operate Import/Export Business

How To Start & Operate Import/Export Business

How To Start & Operate Your Own Profitable
Import/Export Business At Home

What is a good way to build up a successful business from nothing
and have fun doing it? The import/export business may be your
answer. Not only does it require little financial investment to
start, but it offers the prestige of working with clients from
all over the world.

You don't need previous experience in the field, but you should
have a good head for organizing. Fulfilling a successful
import/export business requires constant attention to little

Do you know some local manufacturers looking for ways to increase
their market for the goods they make? Or are you planning a trip
abroad and want to make some contacts for setting up a business?
If you have the ability to sell, and an air of diplomacy, the
import/export business might be right for you. All you need is
the desire and determination to make it work.

As you progress in the business, many factors become obvious and
easy to handle. For example, you'll need to find a person to
handle shipments, called a freight forwarder. And you'll need to
create solid contacts and strong relationships with reliable
suppliers. But after a short time, you can be well on your way to
making a sizeable income, with a very low overhead.

Do you like the idea of running your own business? How would you
like a tax deductible trip to foreign places a couple times a
year? The advantage of an import/export business are great.
The biggest advantage is the money you'll make.. Once you get the
business underway,, the commission for setting up sales is very
profitable. And after you establish and maintain a number of
exclusive accounts, you'll find the time you spend is highly
rewarded with money.

Take a look into the import/export business. Consider the risks,
and consider the advantages. Talk to people in the business. Is
it for you?


Of all the manufacturers in the United States, only a small
percentage distribute goods outside of North America. The goods
that do find foreign markets are exports. On the other hand,
anything that is manufactured outside the country and brought in
for sale is imported.

Although it seems obvious that all manufacturers would want a
worldwide market, it is not easy for a company that is limited in
its scope and abilities. That's where you come in.

An import/export agent is a matchmaker. Manufacturers of domestic
goods seek foreign distribution; foreign manufacturers want a
United States market. You need to find them, make a solid
connection, and establish a business relationship with these

The agent's commission is generally about ten percent. Now, think
of ten percent of $500,000 or ten percent of a million. Although
that may seem like a large order, it wouldn't be, if you're
talking about machinery, raw materials, or computers.

The market is unlimited and there are hundreds of manufacturers
looking for foreign distribution. Sporting goods, clocks,
electronic games, radios, housewares, garments, tools-anything
can be readily imported or exported if there is a consumer demand
and if you can get the products.

The United States Government encourages exports. Indeed, it is
those sales that keep our balance of payments with the vast
amounts of goods are imported.. And you'll find government
agencies helpful in establishing your business.


You can start your import/export business at home with a
telephone.. You'll need a file system, business cards, and a
machine to answer the phone calls. Once you get going, you'll
want a cable address or a telex hook-up.

And you'll need a classy letterhead. Until you establish personal
contacts, it is your letterhead that represents you. Make it look
professional, possibly embossed or two-color, or gold leafed.
Have it printed on light-weight paper for airmail correspondence,
but don't have airmail envelopes printed. You'll have a lot of
domestic correspondence too.

More than office equipment, you need the determination to make
it work. It will be slow at first, and you'll need to plan your
moves, make contacts and SELL YOURSELF. But once you make a few
sales and sign several exclusive contracts worth money, you'll
know your dedication was worthwhile.


The most important step in setting up your business is finding
the contacts. You may have relatives in a foreign country;; you
may have frequently visited and established business
relationships in a country. Or, you might just have a feeling for
what will sell where. A person who keeps well-informed in the
business world can pick up and ride the crest of worldwide

Foreign consulates located in the United States have commercial
attaches who want to establish outlets in the U.S., and they're a
good place to start.. Sometimes these consulates can help find
indices of their own import/export enterprises.
The Unites States embassies abroad are another place to find
contacts for commercial distribution. They can help you find out
about a company's solvency and reputation.

Another way to establish contacts is through the Chambers of
Commerce of every city you are aiming for.

Start small-don't tackle the world.. Where do you want to sell
American goods you might have in mind? Which countries have the
merchandise you want to import? Find out about the countries,
what they have to offer, what is generally in demand.

Then prepare a massive mail campaign
The easiest way to mail hundreds of letters is to use a typing
service that has the equipment to produce the same letter with a
different address each time.. It's worth the money it will cost;
you'd go crazy typing so many identical letters.
To every possible contact, write a letter introducing your
company, requesting the names and address of appropriate firms to
contact. Ask to have the notice published in the monthly bulletin
or posted in an appropriate place.
From the names to get back, write another letter, again
introducing yourself, and asking information about their company.

You can use a questionaire, which is easy to fill out and invites
a response.
What goods do they want to import? What products are now imported
and how are they distributed?? Does the company have a certain
territory, does it have sales representatives, branches in other
cities? What are the basic details of operation--history, assets
and liabilities, plans for growth?
Request any information you need, to find out what they will buy
and what they have to sell. If the company is a manufacturer, ask
for samples or a catalog, the facts and figures of current
foreign distribution, and the product demand in their own


Keep informed. Read everything you can find about world trade.
Look at trade publications, international newspapers, news
magazines, and financial reports. Who is selling what to whom?
Although the market for American-made airplanes is sewn up, there
are thousands of medium to small sized manufacturers in every
state of the union.
You can get goods to sell, buy you have to be sure to study where
they are in demand and can get the price to make exportation
viable. Your questionaires will tell you what foreign importers
want. Take it a step further and read the journals published by
that country; many of them are available in English. Do these
publication confirm the desire for certain products?
The American market for imported products fluctuates with the
value of the dollar in comparison to the value of each other
country's currency. And, importation prices reflect that
directly. Can American consumers afford to pay the price of
certain imported goods? Or will they?
Finding the right market is as important as the actual
particulars of making deals and selling goods.. What do you think
will sell? If you do some careful studies and think about the
trends, you'll be able to come up with hundreds of products to
import and export.
The import/export business is actually smaller than you might
think.. There are only a few of these businesses; that's why
there's plenty of room for more.


Establish a good business relationship with a local bank that
handles international business.. Your personal banker will follow
through on the actual foreign transactions, and will help you
keep your credit afloat, In fact, this is one of the best factors
about an import/export business. Aside from office suppliers and
correspondence, or possible business trips, you need a no
personal cash outlay. All you need is a good credit and good
Your banker is your credit manager and will give you valuable
advice and references when you deal with both American and
foreign manufacturers
and distributors.
The United States Government agencies are great places to find
help... These agencies promote the import/export business, and
publish many small booklets and pamphlets. They also distribute
continually updated reports on foreign markets, commerce and
Read these source of information and find out the particulars of
exports, global surveys and ocean freight guidelines. Become
familiar with the market share reports, current laws and
regulations, and government promotional facilities.


As you continue your correspondence with foreign companies, build
up a good rapport with their representative.. Pin down a few
companies- perhaps in the same country or similar territory--to
their exact needs. What are the two or three products most in
Consider their methods of distribution. You may be able to work
directly with a wholesaler of an overseas importing company. Your
commission will be lower, but you won't need to handle as many
particulars , and they will take care of distribution.

Or, you may need to supply catalogs and samples, working with a
network of small companies or sales representatives from a larger
The highest fees that you can collect are for raw materials taken
from the source and delivered directly to a manufacturer. But you
must be certain of a guaranteed quantity and the continued
ability to deliver.
If you are importing goods, you'll need to find U.S. distributors
that can handle the quantity of goods at a high enough price for
you to profit by. A single retail outlet or two is not enough to
make your time worthwhile. Look into how buyers work and make
contacts in the larger retail chains if you have retail


There are hundreds of American manufacturers with limited
distribution looking for an overseas market. Exporting their
goods is the place to start your business.
You have many selling qualities for convincing the manufacturers
to engage you as the sole export agent. You have foreign contacts
and know the demand for specific goods.. You will handle the
sale,, the paperwork, the money, all shipping, customs, and
foreign distribution.
The manufacturers in return provide firm price quotations, and
you put your fees on top of that; you cost the manufacturer
The manufacturer have everything to gain--an increase in sales, a
broader market, and more profit. And you have everything to
gain--establishing your business, and a commission on the cost of
the goods. That is the basis of firm business connections and a
mutually profitable arrangement.
Contact local manufacturers first and then move into larger
territories. You can make these contacts by phone, in person,, or
by personal introduction from contacts you may already have.. Or,
you can advertise in business publications and newspapers.
Before yo do get into a legal agreement, be sure to check the
reputation of the company. How long has it been in business?
Where are the products distributed domestically? What is the
solvency and reliability of the company and its goods? When you
make your sale, you'll want to be able to deliver.


ONce you have agreed to represent the manufacturer as the export
agent, you need to have a written and signed contract to bind
this agreement. Your attorney should be the one to draw up this
contract; later you can just use the same one, substituting names
of other manufacturers.

Basically, the contract is between the manufacturer and you as
the export representative. You are granted exclusive rights to
distribute goods to all countries except those they already
distribute in. The manufacturer will pay you the specific
commission quoted to the distribution on top of the price of
goods. The company will also provide catalogs and samples for
your use in distribution.
You, the export representative, in turn will promise to do
everything possible to make contacts and distribute
manufacturer's goods in foreign territories..
The terms of the contract should then be stated: how many years
the contract will be signed for, the terms of cancellation by
either party voluntarily or because of no sales action over a
certain period of time.


You've made your contacts with foreign distributors who will buy
the merchandise. You have a signed contract with an American
manufacturer that will deliver the goods.. Perhaps one of the
distributors now asks for a firm quotations on the price of a
certain amount of goods.
You go to the manufacturer and get a price quotation on the
quantity of goods. It should be valid for a certain stated
period... The manufacturer may agree to deliver the goods to the
ship,, handling the freight to that point, or you may need to
make arrangements from the factory.
You ass on the commission you want to the price of the goods.
Then you add on all the extra costs of getting the merchandise
from the factory to the warehouse of the distributor.
If you've made an agreement with a foreign import/export company,
their representatives may take over the shipping, paying you the
price of the goods and your commission. That;s the easiest, but
your commission will have to be reasonably lower.
If your sale is to a company that will distribute the goods
wholesale or retail from its premises, you have to arrange all
the transportation.


You will become more familiar with the terms of shipping used in
quoting prices and delivering goods as you gain experience. Your
responsibilities vary with the terms of the agreements and
orders. Check with your freight forwarder to be clear about your
A bill of lading is a receipt for goods shipped. It is signed by
the agent of a ship or common carrier and assures the buyer that
the goods were unloaded in the same condition as they were
accepted. These are the documents you'll need to produce for your
banker to release the letter of credit.
FOB means free on board. The seller delivers the goods to a
certain destination with no additional charges. The seller
insures and takes the responsibility until that point. The buyer
takes the responsibility and pays the charges after that. For
example, FOB New York means the seller's price quotation includes
full responsibility and shipping to New York.
FAS means free alongside. The seller delivers the goods to the
ship that will carry the merchandise. The buyer pays to load onto
the ship and takes responsibility from there. FAS New York, for
example, means that the seller will deliver and store the goods
until they are ready for loading onto the ship.
C & F means cost and freight. The seller pays the freight
charges. The buyer insures the merchandise and takes full
responsibility after the destination.
CIF means cost, insurance, freight. The seller is responsible for
the value and condition of the goods, and pays both insurance and
freight charges to a certain point.. The buyer is responsible
from there.


A freight forwarder is a person who takes care of the important
steps of shipping the merchandise. This person quotes shipping
rates, provides routing information, and books cargo space.
Freight forwarders prepare documentation, contract shipping
insurance, route cargo with the lowest customs charges, and
arrange storage. They are valuable to you as an import/export
agent, and they are important in handling the steps from factory
to final destination.
They can be found by looking in the yellow pages or by personal
referrals. Find someone who can do a good job for you. You'll
need someone you can work with, since this may become a long term
business relationship.
You'll need the help of a freight forwarder when you make up the
total price quotation to the distributor. Not only do you
include the manufacturer's price and your commission-usually
added together, but you need to include dock and cartage fees,
the forwarders fees, ocean freight costs, marine insurance, duty
charges, and any consular invoice fees, packing charges, or other
hidden costs.

Be especially careful when you prepare this quotation It
certainly isn't professional to come back to the distributor with
a higher quote including fees you forgot... You might go over the
price quotation with your freight forwarder to be sure nothing is
Usually the quotation is itemized into three main categories of
cost of goods, which includes your commission, freight charges
from destination to destination, and insurance fees.
Give a date the quotation is valid to, which should be the same
as the date given on your quotes. You may also include
information about the products, including any new sales
A formal letter that accompanies the price quotation should push
for the sale. You can inform the distributor of the shipping date
as soon as the order is received and confirmed by a letter of
credit. Send the letter and price quotation by registered mail to
be certain of its delivery.


A letter of credit eliminates financial risks for you, the
manufacturer, and the distributor. When your distributor confirms
the order, a letter of credit is drawn from that company's bank
to a branch in the United States or to your bank.
This letter of credit confirms that funds are available from the
distributor to cover the same costs you quoted. An irrevocable
letter of credit assures you the order will not be cancelled at
any time... When that letter of credit is likewise confirmed by
your bank to deliver the goods, the distributor is assured of
delivery. Once the letter of credit is confirmed, so you don't
have to worry about the fluctuation in currency.
Basically, the bank holds the money until all shipping documents
are presented. The letter of credit states the terms and
conditions to make it legal and negotiable into money, usually
holding for proof of shipment of the goods. Your freight
forwarder helps you attain all those documents. When you hand
them to the banker, the letter of credit is turned into liquid
assets for you to pay the manufacturer and all other invoices
from the transaction.
Never work on promises. Not only do you take a gigantic risk, but
you create bad risks for everyone you are involved with. A letter
of credit is the only sure way to transfer these payments.


There are many combinations of people and methods you can use to
deliver the goods that were ordered. When you produced a price
quotation for the goods, you had to go through all the steps the
merchandise will follow. Now, before you proceed, check again.
Do you have a confirmed order signed by the authorized
representatives of the distributing company?? Has your banker
approved the letter of credit from the company?
Compare the amount of the letter of credit to the amount quoted
for the goods. Be sure they match exactly. Or, if the distributor
chose a certain quantity of several offers, check the prices
again and confirm the quantity.
Confirm the quotation and sale with the manufacturer, and do the
same with the freight forwarder and any marine insurance agents
you are working with. Then follow through.
I order to assure the quality of merchandise, some manufacturers
prefer to handle freight to the loading docks,, which makes it
easier for you. If you handle overland shipping, follow through
to be sure the merchandise is picked up and arrives safely at its
Be informed of the date the goods are loaded onto the ship. The
factory should have them freighted in time to avoid costly dock
storage charges.
Since all conditions of the sale must be met to comply with the
terms of the letter of credit, you need all the signed documents.

Have your freight forwarder or other contacts get authorized
bills of lading for the merchandise each step of the way--from
destination to destination..
Once you have all the signed documents, present them to your
banker. If all the terms are met, the funds will be released.
Since your commission is part of the quoted price of the
merchandise, you'll usually collect your fees from the
When it is totally complete, you collect your money--and make a
sizeable profit for simply making connections. Consider the
commissions when you have dozens of orders coming and going.


Take a look at the household items and equipment you have in your
home. Made in West Germany, made in Japan, made in Korea. You may
have clothing from India, shoes from Brazil,,, a leather wallet
from Italy.. Your car may be an import; your stereo equipment may
be manufacturer elsewhere. There are hundreds and hundreds of
items manufactured all over the world, now being used by the
American consumer.
The market is huge. And there are many American firms looking for
foreign made merchandise to distribute. Some items are less
expensive;some are better made; some are imported because they
are made in a country now fashionable with the designers.
What can you tap into? Maybe you have contacts in the Unites
States, distributors looking for certain goods. And you've
already made contacts in the foreign countries that produce these
goods.. Follow through and get yourself an exclusive distribution
agreement with those manufacturers.
Importing requires the same diligence and follow up as exporting
does. You'll need a signed contract with the manufacturer to be a
sole agent
distributor to North America, or even the world.
You'll also need to obtain firm price quotes from the
manufacturer in the quantities your distributor requests. These
quotes should be converted into the appropriate dollar figures
representing the currency exchange.
Investigate the reputation of the manufacturer and the
reliability of the goods. If you import something like electronic
components, check into other distribution market the manufacturer
has to assure the quality of merchandise.
Your commission will come through from the foreign manufacturer.
Have your bank investigate the solvency of that company and the
reputation of living up to agreements. Since it's on foreign
territory you'd have more trouble in any legal suits, even in
light of many international laws.
Prepare the price quotation. It is easiest if you request terms
of delivery to the port of that country. Your freight forwarder
can help you move the merchandise from port, overseas, and
through domestic customs.
Follow through with all the details of shipment. Be sure to
include any insurance, dock fees, storage rates, and shipping
overland. Overlook nothing so your price quotation to the
American distributor is accurate,
Itemize the quotation and give it to the American distributor..
Upon receipt of an authorized order, double check prices and
follow through on delivery.
The letter of credit will go from the American distributor to the
bank of the manufacturer. All terms and agreements regarding
prices, freight and insurance will be defined. The manufacturer's
representative will confirm receipt of the letter of credit,
which will release the goods for shipment.
Have your freight forwarder follow up on the shipment of goods.
They may have to be freighted from the factory to the docks..
Arrangements for shipping need to be carried out.. Customs duties
and unloading need to be followed through from the American port.

Then the goods may need to be freighted overland to the final
As soon as the goods have arrived at the proper assigned
destination, papers have to be documented and presented to the
bank that holds the letter of credit. Then, all carriers and
agents need to be paid, and you collect your commission.


After you have completed a few sales transactions to establish
yourself, you'll need to promote your import/export business to
get more clients. The first transactions give you the experience
to learn the ropes of the business, and to establish contacts and
agents both here and abroad.
Join organizations of commerce and foreign trade associations to
develop more contracts and extend your territory. Talk to
everybody you contact about importing and exporting, learning
from their mistakes and successes.
Advertise in the print media for distributors and for goods.
Manufacturers don't know how to make the contacts for foreign
distributions. Show them your credentials and pick them up on
exclusive contracts. With a little experience, you can market
almost anything anywhere.


THe profit of the import/export business is in the quantity of
the goods traded. The higher the cost of the merchandise, the
higher the profit from your percentage. Since you need to go
through all the steps for each transaction, having more sales on
a continual basis simply adds to profit.
Send constant mailings to your original list of contacts and
follow-up leads. You might develop a sales approach. As you
develop more clients, you can convince the bigger companies of
your reputation.
Contact as many manufacturers and distributors as you can on both
side of the ocean. And solidify these contacts. You may be able
to work out an arrangement with someone to work in certain
country for a commission. Or, you might want to take a business
trip there to personally meet with the various companies.
get in-depth information on the products now selling.. Why are
certain products successful?? Maybe you can get into the same
market with more competitive product. Investigate ways to sell
more.. Do the products need to be better made? Do they sell
better at a reduced price? Know what sells and where to get it.


The import/export is a high profit enterprise. Because of the low
overhead, most of the money you make on commission is yours.. But
building a truly profitable business requires dedication and a
good knowledge of the business.
You need numerous contacts who know you, respect you,, and can
recommend your work. You need to have good agents both here and
abroad to help follow through on the delivery of the goods... You
need a good working relationship with your own bank and possibly
the others that letters of credit come into as branch transfers
from foreign offices.
Don't be hasty for orders. Investigate the manufacturers and
distributors to be sure the products and sales methods are
reputable.. Check out the particulars of shipping and
manufacturers from the foreign country. Each culture works in a
specific manner... Get to know how to work with those people..
The import/export business is not for everyone.. But it is a
personal operation that you can run yourself-- you don't have to
answer to anybody. The rewards of negotiating in a foreign
country are excitement, a touch of the exotic and the great
profit potentials.
When you make the proper contacts and follow through completely
with reputable manufacturers, reliable shipping companies, and
responsible distributors, you have it made.
If you are ready to put in the time, sell yourself. Start making
inquiries and contacts. Try it on for size.. Does it feel good?
If you need specialized LEGAL advice or assistance on this
subject, the services of a professional person are recommended.

Saturday, January 20, 2007

How To Start Your Own Credit And Debt Counseling Service

How To Start Your Own Credit And Debt Counseling Service
by Tycoon2k

Here's Another Great Industry To Profit From In 2007

You can start small with a little or no investment, develop it in
your spare time, and parlay it into a $100,000 a year income--all
within the next twelve months or so.

Really, all it takes to move one is an empathy for people, a
basic understanding of money management, and about 500 business
cards, some smart advertising, and you're in business. Your
greatest expense or investment, of course, will be your

The first, and most important thing to learn is the "thought
processes" in the minds of the people or firms that lend money.
No one lends money with the thought of foreclosing on the loan
and taking away a borrower's collateral. Whenever the lender is
forced into such a situation, everybody loses. The borrower loses
his possessions, and the lender ends up with about one tenth of
the money he originally loaned out.

Therefore, the lending institution will generally do everything
possible to work with the borrower as long as he continues to
show good faith in attempting to repay the amount of the loan.
The most important thing a borrower should do, once he finds
himself in a financial bind, is get in touch with his creditors
and apprise them of his situation. Usually, the lender will set
up a meeting for an open discussion between himself and the
borrower, in order to adjust or work out a more convenient
repayment schedule.

Most people who borrow money are having money management problems
to begin with, and are actually terrified to death at the thought
of people from the loan company calling them. Although they
generally won't admit it, most are aware that they're having
problems managing their money. They're embarrassed about it, and
instead of openly seeking help, they attempt to cover up the
problem, and then hide from or avoid the very people who want to
help them.

Over the past three years, personal and small business
bankruptcies have been soaring to record levels. At the bottom
line, very few people want to file bankruptcy against their
creditors, because regardless how easy it is, the thought of
having "gone bankrupt" still leaves a stigma.

And this is where you step in with your Professional Credit Debt

Remember, step one is always to notify the client's creditors.
This is the first instruction (or job) that you give to the
client after you've heard his story. The borrower should be the
one to notify the creditors, and ideally, he should call each on
the phone, set up a meeting and then discuss with the lender his
current financial situation as well as his plans to rectify the
problems, and resume payments. The plan he'll discuss with the
lender will be the plan you assist him in setting up.

If the borrower is over his head and with no other alternative,
you should immediately advise him to file for relief under " The
Wage Earner's Plan," as explained in Chapter 13 of Federal
Bankruptcy Act. In essence, this "plan" gives the debtor time to
regroup and reorganize his financial situation without hounded by
bill collectors.

Anyone who's capable wages, salaries or commissions, can make use
of this plan. It should in no way be thought of as bankruptcy.
This is simply a court supervised method for a borrower to pay
off his debts. The borrower simply draws up a plan, the lenders
are almost over a three-year period. If the court accepts the
plan, the lenders are almost obligated to accept it. while more
recent bankruptcy laws still leave room for abuse by dishonest
"big business," they fortunately have improved the outlook for
the "little guy."

Your job as a Creditor and Debt Counselor is to meet with the
over extended borrower, listen to his problems, and help him to
plan a budget to live by, and set up a plan for the proper
management of his income that will include money for him to live
on, plus regular payments to his creditors. In the beginning, you
can meet in the borrower's home, pretty much the same way an
insurance agent does. later on, you'll probably want your own
office, but a formal office for your business will never be
absolutely necessary.

Many people are reluctant to be seen walking into a Credit
Counselor's office. Again, there's a personal embarrassment---the
thought of their friends seeing them, and the worry of what other
people will think of them. So if you do opt for an office, make
it as unobtrusive and as confidential as possible. A sign stating
"Money Management Consultant" would be appropriate. Gaining the
confidence and trust of your clients will be the secrets of your
success. And do not underestimate the power of "word-of-mouth"
recommendations by grateful clients.

Follow the methods of the insurance salesman, making everything
as comfortable as possible for your clients. So long as you
listen to your client's problems, and then work with him to plan
a budget he can live with while paying off his bills, you won't
be required to have a license in most states. You simply listen,
assist the borrower in planning a budget, and he administers it
himself. He makes all the contacts with his creditors, and makes
all the payments directly to them. To give you the money and have
you disburse it among his creditors would require a license for
your business.

Step two in your service is to find out the total amount of cash
your client has coming in each month, and on what debts.
Calculate according to his current obligations, how much he needs
for living expenses: Rent or mortgage payments, utilities, food
and clothing. The remainder of his available income is then
budgeted for division among his creditors.

One of the best (and easiest) methods of money management within
a budget is via envelopes. The wage earner marks a different
envelope for each of his obligations. He then makes a
pre-determined amount of deposit in each of these envelopes each

Thus, if his mortgage were $500 per month, and be brought home
$750 each pay day, you'd probably advise that he "deposit" $250
each payday into the mortgage envelope. And so it would be with
each envelope.

Many people find this kind of system scary in the beginning, but
after they're used it for a month, they swear by it as the only
way to keep bills up to date.

Of course, the most important thing you want to advise your
clients to do is to destroy their credit cards. Best of all, have
them cut them in half, and send them back with a short note
explaining what they are doing and why--getting a handle on their
debts according to their actual income. Basically, that's all
there is to your counseling service.

You'll need a first meeting to hear the problems, and to make
your proposals. A second meeting will be in order to polish and
endorse the planning. Perhaps a third meeting at the end of the
first month to assist them in making their payments from their
obligation envelopes. Finally, you'll want to keep in touch with
them and ask how they are doing from time to time. You'll find
that most of the people you serve today will need your services
again at some time within the next five years--sad, but
statistically true.

It's a "fast track" and ever changing world. People who are poor
money managers today will invariably encounter money problems,
again and again, regardless of how often they get everything paid
off. This is, unfortunately, what keeps the lending institutions
in business, and presents the opportunity for you to become
wealthy as a Professional Credit and Debt Counselor.

You'll need a receipt book. Drop by any large stationary store
and get the most impressive one available. You should charge
$100, more or less, for services, Three counseling sessions, with
the payments at 410 per month spread over ten months is an ideal
arrangement. Explain your fee during your first contact---$100 in
payments of $10 per month over 10 months. You'll find the sound
of a $100 fee affords an intangible degree of respect for your
services, while the explanation of modest $10 monthly payments
closes the sale for you.

Always carry an attache case, and at each meeting, work at the
kitchen or dining room table. if it's a husband and wife, be sure
that each is seated beside you. If it's just one person, have him
or her to your right if you're righthanded; to your left if
you're lefthanded. Never have a client opposite you, across the
table. Round tables are best for empathy, agreement and
cooperation; this has been proven psychologically---just believe
it, and be guided accordingly.

Always carry a yellow legal pad, and have plenty of pencils with
erasers available. The legal pad lends authority to your
knowledge, while leaving plenty of room for alternatives. The
pencils and erasers eliminate the symbolic fear of everything
being "cast in stone," and conveys the feeling of negotiation.

You should be well dressed, a portrayal of the traditional
"financing officer," and yet warm colors to accentuate your
empathy with the problems of your clients. By all means, you
should be sparkling clean and well-groomed. Do not smoke during
your meeting with your client, and always diplomatically refuse
any alcoholic drinks that be offered. Try to "talk" with your
clients. You must never show any signs of disapproval of the
actions that resulted in your clients being in their present
predicament, nor should you sound as if you're lecturing or
speaking to children. Remember--and you can tell your
client--this has happened to many stable, conscientious people.

Maintain an attitude of understanding and sincere desire to help
them out of their current "tight spot." Don't let them get going
on a deprecatory tangent, either. Should they start down the
path, simply tell them, "These things happen to everyone, and
what's done is done; the important thing now is working out the
solution to the problem."

As mentioned earlier, your only real investment to set yourself
up in this business will be your advertising. Even that does not
have to be a "saved up" cash outlay. You can start off by
planning to run a two-column wide by three inch deep
advertisement in your most read area newspaper. Check with the
newspaper office to get the best price on a bulk space contract.

Under this kind of agreement, you sign to pay for a certain
minimum number of column inches for the next year, and as a
result, your rates are considerably lower than those paid by the
infrequent advertiser. Best of all, the newspaper will bill you
after the ad has run, and allow you 30 days from the date of your

You should plan to run an ad in the newspaper for at least three
days a week, especially in the Sunday editions, every week. You
might also want to run the same ad in several of your weekly
Shoppers Newspapers. Definitely have a flyer made up describing
your services. About once a month, hire 7th or 8th grade school
girls to hand these out for you in the busy shopping centers.
Another good place to hand them out is at the entrance to your
state's employment service offices.

Small 3 by 5 cards announcement cards or descriptive business
on all the bulletin boards in the area will also pull in
business. Finally---and most importantly---just as soon as you
can afford it, an advertisement and listing in the yellow pages
of your telephone directory should be bought. Telephone
directories come out on a regular ( usually annually) schedule,
so check ahead, and anticipate cost and date you may expect

A good place to check for help in writing your advertising is
your area colleges. The students will generally help in exchange
for the opportunity to build a portfolio. There's never a need to
pay the "out-of-sight" high prices demanded for professional
copywriting and advertising design by some agencies, even if you
have the money. All finished ads are unproven, and you have no
guarantee that one is better than another until you begin testing
or using it.

The important element is that your ad says what you want it to
say--that it looks good and makes you feel that it will appeal to
your potential customers--that it instills confidence within you
that it will bring in the customers. Use the "AIDA" formula:

An attention grabbing headline (or first line)--- a line or
paragraph that definitely appeals to or arouses the self-interest
of your potential customer; "a hooker," or image building
description that causes the prospect to picture how much better
his life will be as a result of availing himself of your
services; a line that relieves the prospect's fears of making the
wrong decision (such as "Satisfaction Guaranteed") and a demand
that he take immediate action such as "Call NOW!" DON NOT APPROVE
AND DO NOT RUN ANY AD that does not contain all these

Here's an example of an ad that should work very well for you:

Now there's a way to stop those dunning letters and embarrassing
phone calls. Get out of debt com- pletely---without bankruptcy!
Preserve your good credit rating; maintain your present
worry no more about bill collectors! Just an hour or so of your
time, and your money problems can
be solved! Your satisfaction is guaranteed! Phone 123-4567 right
for an appointment.

National Credit Counselors 123 Tenth St City, State.

A classified ad might read:

Solve all your money problems with this easy and completely
legal solution. 100% guaranteed anywhere in the U.S. Call
Consumer Credit Solutions at 123-4567.

At the same time your newspaper ads begin to appear, be sure to
get a press release about your business to the business editors
and consumer advocates at all the newspaper, radio and television
stations in your area. Of help to you in this area will be our
report #3504, The Inside Secrets of Getting Free Publicity For
Your Business.

It's generally not worthwhile to advertise this particular kind
of business on radio and TV, unless you do os on a "per inquiry"
basis. For more details on this approach, see report #3406, How
To Get Free Radio Advertising For Your Company.

After any free radio and Tv talk shows, and newspaper feature
stories about your business, the next best method of spreading
the word about your business will be via the guest speaker route
at civic club meetings. And don't forget the women's clubs. Your
talk to these groups should be "scripted," simply explaining the
alarming number of bankruptcies, the great losses suffered by
business because of bankruptcies; the exasperatingly poor record
of the American people with money management responsibilities; an
urging for support to get "back to the Basics" and teach
practical money management courses in the schools, and by example
in the home. Such talk should bring you a big round of applause
and continuing source of referrals.

To carry this effort just a little further, set up Credit and
Debt Counseling Seminars or Workshops. You can arrange to hold
them in the banquet rooms of well-known restaurants in your area,
meeting rooms at your local community college, fraternal club
meeting halls, motels, or even churches. Generally, it's best to
charge a small fee-- say 45 per couple---because of the suspicion
that you're setting up to sell something when you don't charge an
attendance fee. Most people are aware of the bottom line--that
you are trying to sell them something when you invite them to a
seminar or workshop. However, most feel that when you invite them
to a seminar or workshop. However, most feel when there is a
cover charge, the basic information you'll be giving will be more
useful that given when there's no charge to attend. And if they
have paid some kind of fee, they will be more at ease in
listening and evaluating, without the pressure when they have
come"for free."

Seminars are one of the most lucrative (and fastest) ways of
getting a new business off to a running start. When you stage
seminars, it's imperative that you flood the area with
advertising, being sure to promote the seminar, not the product
that you're really selling.

Your seminar script should be basically the same that I've
outlined for you as a guest speaker, the difference being that
instead of closing with a call for more education in money
management, you briefly outline the simplicity of the "envelope
deposit" system. You then close with an open invitation for those
with particular problems or needing special help to call your
office and set up an appointment for personalized counseling

Even better you officially open for business, you'll want to have
a tentative list of people you can possibly train as employees to
handle the workload as your business grows. Rather than pay these
people a salary, simply give them a commission for each client
they handle. In other words, you can sign a client for $100 over
10 months, sell the account to a factoring company for 80% of the
total, collect $80 in cash immediately, pay your commission
counselor $30, and bank $50 in profit with no real work involved
on your part. And if you have hired a good counselor, you can
rest assured that your client has been well served.

Basically, that's how easy it is to put this kind of business
together and make it start paying off immediately. Remember, you
must be constantly soliciting new customers, and building the
number of customers you or your counselors talk to each day. You
should strive for an average of three counseling sessions per
day, five days per week, before seriously considering additional

At $10 per month from each account, this will give you $150 per
week or a total account billing of $1,500 per week. By factoring
your accounts at 20% for their total value, you'll have an
immediate cash income of $1,200 for the week. The factoring
company will handle all the billing and bookkeeping,
eliminating your need for those services.

The way to success in this business is, however, to keep this
happening EVERY week. It will depend upon your advertising, the
service you give, and the reputation you build.

The prime requisite will be work and perseverance on your part,
but once you're established, with a few commission counselors
working for you, the business can easily gross $150,000 per year
in even small to medium-size cities. You now have the knowledge;
the rest---the action part---is up to you. Best of luck!

How To Start Your Own Credit And Debt Counseling Service
by Tycoon2k

Allstate Real Estate Homes for Sale List With Us - Superior real estate experience. Serving upstate SC and western NC. Buying, selling or building. Acreage lots and commercial property. We are your No.1 Real Estate solution. Our sister company Allstate Log Homes can custom design for you.

The best way to submit your clasified ad... FREE!

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Mister Linker

Collections Biz To Rake In BIG$$$$$$$$ in 2007

Collection Biz To Rake In BIG$$$$$$$$ in 2007

Your Own Recession-Proof Collection Service
A collection agency is a business that collect bills, NSF (non
Sufficient Fund) checks or debts for individuals or other

One type of collection agency merely collects funds WHEN DUE on
behalf of an absentee owner or company; the other specializes in
collecting overdue accounts-- those the debtors apparently do not
intend to pay. The former is the easiest, but doesn't pay as well
as the latter because there is less work and more competition.

The second type is the most lucrative to the entrepreneur. If you
are one of those who isn't comfortable being a "nice guy" all the
time, this could be it! A collection agency is a business that
offers a good income with hardly any investment and minimal
direct public contact.

Every locality needs a good collection agency. There are people
who simply won't pay their bills unless and until they believe
they must. The companies owed haven't the time, expertise or
determination to collect from people who don't pay their bills
when due.

Often the company person responsible for collecting overdue
accounts has other responsibilities that require a sunny
disposition and the customer-is-always-right attitude.

In fact, most who are appointed to this position are former
clerks who are simply asked to start collecting overdue accounts.
Sometimes a clerk is simply given this duty as an additional
responsibility. These people seldom make good collectors.

Individual companies usually soon become frustrated and willingly
turn their delinquent accounts over to a lawyer or collection
agency. In either case they will then get back only a part of the
original debt, if anything at all.

Their only other choice is to forget (therefore, forgive) the
debt, which encourages the non-payers to continue their practices
-- and perhaps even tell their friends.

Since a collection agency specializes in the collection of
legitimate debts and is so much concerned with keeping a "nice
guy" image, they are more successful

They have a collection plan: a series of letters and/or phone
calls, each a little more demanding; they can go to small claims
court, contact the district or county attorney, or forward
information to credit agencies in the area.

In practice, most agencies have a varied approach, such as the
initial notification by an official looking letter. This is
followed in a few days by a phone call, and then a registered or
certified letter referencing the first two contacts. Next, there
may be a personal visit by a representative to try and "save
their credit."

They learn to use every legal means of collecting delinquent
accounts and usually collect at least part of most accounts.
Financially, they do quite well -- their fees average about half
of the money they collect. Interestingly, the collection agency
receives its share first, because they do the collecting.

Potential customers are any business or individual that gives
credit; the drug store, dentist, travel bureau, even bank and
lawyers (very few lawyers handle collections).

Don't overlook the private sector (just be sure the debt is
legitimate). Maintaining a small ad in the paper (better still,
the phone book) is a good way to keep your name handy for those
who discover they have overdue or "uncollectible" (to them)
accounts on their books.

A quick review of the situation should tell you if the debt is
legitimate and a good prospect for you. You need a signed
contract for every debt. The contract authorizes you to collect
the debt and to take whatever legal actions that may become
necessary to do that. Your contract should make provisions for
lawsuits -- that is, you will recommend when such action should
be taken, but will do so only at the direction of the client (he
is responsible for the cost). The written and signed contract
also serves as your proof that the debt is legitimate.

The first step in starting a collection agency is consult a
lawyer to learn the legal do's and don'ts in your state (this is
very important).

There are federal controls and harassment laws in many (some are
quite stringent) states concerning things like what time of the
day calls can be made, which statements and representatives can
or cannot be made legally, which information you must treat as
confidential, plus any special steps a collector must take in
your state to avoid being liable.

You must be aware of ALL the rules because some of those habitual
delinquents are EXPERTS! While at the lawyer's office, have him
recommend contract working about fees and your legal appointment
as the agent for the specified debt collection, including
authorization to use your best judgement in settling the debt.

Collection agencies routinely have the right to reach an
agreement with the debtor for a settlement when they believe it
is the best thing for the client (something is better than
noting). The experienced collection agent can recognize
situations where settlement is the only practical answer, and
most clients understand this. In this case, the collection agent
also serves as an arbitrator. A tip for the lawyer's office: It
is usually cheaper for a lawyer to "look over" an existing
contract than to write an original. Therefore you should write
(or obtain) a contract that sounds good to you then ask the
lawyer to look it over. They will still charge a fee for their
time and expertise, but it is usually much lower than if they had
to start from "scratch."

If you draft a contract that the lawyer edits and the fee ends up
being half of what it would have been you if he (or his
secretary) drafted it -- they, you and the lawyer have split the
fee (you made as much as he did).

Your collection fee is usually a fixed percentage of the amount
collected, the actual percentage varies with the age of the debt
and the debtor's availability.

It can also be a percentage plus expenses, if they are out of the
ordinary (make these arrangements in advance). Collection fees
normally range from 35 to 50 percent of the amount collected,
regardless of whether all the debt is collect, or if there is a
settlement.. The lower percentage is for debts less than six
months in arrears and the highest for those over a year overdue.

You will need an office (at least a telephone, desk and files),
business cards, and advertisements in the paper and phone book
(under Collections).

Have brochures that describe your service and ask interested
parties to contact you for consultation at their convenience.
Mail or distribute (in person whenever possible) your brochures
in your area.

Arrange with the Chamber of commerce to when new businesses open,
so you can stop by and meet them and leave a brochure.. Contact
all local credit bureaus that are not also collection agencies
and offer to work with them -- they could be a valuable referral
source. Call on as many individual businesses IN PERSON As
possible to explain first hand, your services and answer their
questions. Always leave your card or brochure.

Later on, when you have enough business, you can hire someone on
a commission basis,, to solicit accounts for your service.

If you feel some experience in this area would be good, try
soliciting collection accounts for local or mail order collection
agencies -- or get a job with an agency making collection calls
by phone.. A few weeks of this type of experience would be
equivalent to a fairly expensive school.

a variation or sideline of the collection business could be a
repossession service. In fact, your contract and licenses may
cover both.. Actual recover a vehicle on a commission basis;
another with a truck up large appliance.

Check with banks, finance companies, furniture and appliance
companies -- especially the small ones who are not likely to have
their own means of repossession. It may also be possible to offer
a credit referral service, but ask your lawyer first about what
information you are allowed to divulge and under what
circumstances in your state.

We get pretty mad when someone owes us money, but we must
remember that debtors have rights too and that not all lenders
are totally honest either.

Tip: Consider having your business cards printed either on
Rolodex stock (fairly expensive), or getting a rolodex type
cutter that you can use to notch your cards. Then, put an
attention getting line,logo or color on the top of the card to
attract attention. When secretaries put these cards on their
Rolodex files, your card will "pop out" at them.

The major potential problem area in this business is violating
the law. Most people who get behind in their payments are
law-bidding citizens who are truly sorry they haven't paid. It is
very easy for a collector to go beyond the law with them and they
don't complain.

However,, all it takes is one to document your illegal actions
and you are in trouble! For example, in some states it is illegal
to dun the debtor after he officially advises the collector to
stop calling or sue.

The way to avoid this problem is to follow the previous advice
about checking with a good lawyer on just what is not legal in
your state currently. By doing so, you can reap the benefits of a
good business without suffering needless losses. The bottom line
is that debtors are legally responsible to pay debts they incur
and that lenders are allowed to appoint representatives to
collect those debts if they are not paid in accordance with the

In most cases, the merchant who gives credit oriented to selling
-- not collecting. This creates a need (opportunity) for someone
willing to specialize in collecting overdue accounts. Is that

BUSINESS SOURCES, 781 W. Oakland Park Blvd.,Ft Lauderdale, FL
33311. Sells a "course" in debt collecting for $60, which is
refund if you become one of their agents and send a minimum
amount of contracts. The agents solicit collection accounts; the
company does all the collecting (by long distance telephone).
Caution advised with this one.

MORGAN CURTIS ASSOCIATES, 95 Broadway, Hicksville, NY 11801.
Offers training to set up a collection agency.

NATIONAL BOND & COLLECTION, 150 Wells St.,Wiles-Barre, PA 18703,
717/287-6023. Wants agents to solicit accounts for their company
to collect by phone.. Probably good opportunity for people in
northeastern area.

METROPOLITAN FINANCE, 11298-187 W 41st St.,Kansas City, MO 64111.
Wants agents to solicit accounts for collection on commission
basis. Kit - $3.

QUILL CORPORATION, 100 Schelter Rd.,Lincolnshire, IL 60917-4700,
312/634-4800. Office and computer supplies.

ZPS, Box 581, Libertyville, IL 60048-2556. Business cards (raised
print - low prices) and letterhead stationery. Will print your
copy ready logo or design, even whole card.

WALTER DRAKE, 4119 Drake Bldg.,Colorado Springs, CO 80940. Short
run business cards and stationery. No choice of color or style,
but good quality.

The following list somewhat dated
I would reccomend doing key word search.

Collection Biz To Rake In BIG$$$$$$$$ in 2007
by Tycoon2k

Wednesday, January 17, 2007

$5,000/Week Passing Out Special Gifts

$5,000/Week Passing Out Special Gifts
by Tycoon2k Webmaster

Everybody loves Santa Claus because he gives away presents. By
giving away these special presents, you will be warmly regarded
as the Santa Claus of the advertising world, and at the same time
you are earning thousands of dollars for yourself.

The special presents we have in mind are the popular discount
coupon books that save people money at restaurants, hotels,
theaters, bookstores, dry-cleaning establishments and hundreds of
other retail establishments that rely on the general public for

For you, these coupon books mean a healthy income with little or
no investment. Funding these giveaways items comes from up front
money provided by the advertisers themselves.

By charging the advertiser for inclusion in the coupon book at
prices as high as $600 per coupon, you can gross thousands of
dollars. The more coupons or advertisers, the more money you
make, and and you may have fifty, one hundred or even more
coupons in the book.

These coupon books are a form of direct response advertising that
encourages the public to move quickly. Firms that cater to the
needs of the public are always looking to expand their customer
base, but advertisers like the coupon approach because it allows
them to control the timing of the discount deal they offer to
potential customers. These might be two-for-one deals, straight
discounts, or a bonus with every purchase.

You work with the advertiser to put the coupon together. The
coupon doesn't have to be fancy; it does have to spell out the
advertiser's deals simply and clearly. It should carry the
address and phone number of the business, as well as a small map,
if necessary. After preliminary approval of the design, you
handle the final design, printing and distribution.

The appeal to advertisers is that they can reach many more
potential customers at lower cost than they could if they handled
the direct response advertising themselves. Put together a short
contract that sets out what you will deliver to the advertiser,
and a payment schedule. Typically, you should receive about
one-third of the fee up front, one-third when you deliver the
final coupon design for signature approval, and the balance when
the coupon is ready.

If the idea of making money from a product that you can give away
appeals to you, you will find this business rewarding in many

Starting A Co-Op Coupon Business From Your Home

Mail out coupons, circular and ads for up to 30 clients at
a time on a cooperative basis. Contract to print (have
printed or use provided) and mail out coupons to area
residents and/or businesses on a cooperative, non-competing

Although you mail offers from several clients at any one
time in the same envelope, you guarantee that only non-
competive offers are contained in any one mailing.

For example, you would not include a 5 cent discount
coupon for potatoes from store A, and another 7 cents from
store B (store A would never do business with you again).
But you could include a free oil change coupon from a
service station with either.

Generally, it is best not to include two of the same type
stores or merchants in the same mailing --even though the
products themselves are not competitors, the merchants are.

Most businesses find it difficult and expensive to send
out their own flyers (advertisements, coupons, etc.), much
less work out the details of coupon discounts.

It requires know-how and is consuming to design a coupon
program and even more so to set up a workable mailing
program for one store.

Most merchants are not particularly talented or experienced
in this department, which makes the job all the more difficult
for them.

The cost of envelopes, manpower to stuff and address them,
rent for the mailing list and postage can quickly add up to
50 cents or more for each piece mailed!

This is why so many local merchants use newspaper inserts,
despite the fact that they are very expensive and not
everyone sees their ads there -- it is cheaper and a lot
less work than trying to do it themselves.

A person in the coupon business will soon become quite
knowledgeable in this type of advertising, which means they
can fulfill a definite need for the merchants in their

This business involves showing merchants in your area how
you can print AND mail their coupons, flyers and ads to an
up-to-date, qualified local mailing list for 3 to 4 cents
per item! Not only will you relieve them of the requirements
to invest a good deal of their (non-expert) time and money,
you will save them as much as 90% of the cost. If you were
a merchant, wouldn't you listen?

You can help design coupons, offer standard models, or
use the client's design -- the possible varieties are

One plan would be to offer one or two color coupons for
"Windy Bucks" (in Chicago) coupons for discounts and free
introductory services such as 10% a permanent or a free
soda with a meal, two dinners for the price of one, or a
free car wash with a lubrication job.

This is where YOUR imagination needs to "catch fire" --
write down all sorts of ideas and have them ready to suggest
when you need them.

For example, you could have the basic Windy Bucks printed
with black ink on light green paper and then pay the printer
a little extra to insert specific client information red ink
(their name and offer) in red. You could use different
colored paper for several different clients, or even offer
an "exclusive" design or border (at an extra price, of course).

One "buck" could be printed with a five and become $5 towards
the purchase of $50 at Jones Hardware; the next, worth a free
shampoo at Sally's Salon and so forth.

You must promise to mail our a certain number of coupons to
bona fide residents (and/or businesses) within a specified
period of time (say, 30 days) and inform your clients that
although there will probably be others in the same mailing,
there will be NO COMPETING offers OR BUSINESSES (this is
VERY important).

Your printing should be based on your costs, including
printing, postage, paper and of course, your time.

Be sure to scale your offers so the larger the order, the
cheaper the price, AND work out "specials" to offer --
combination orders of either different products and offers
or future mailings.

For example, 1,000 Windy bucks with their info printed in
red, mailed out might be $45 per M; 3,000 - $39; 5,000 -
$37, etc.

Then, a combination of 3 different offers might be offered
at the 3,000 price -- or a contract for 1,000 per month for
five months might be offered at the 5,000 price. These are
just a few examples of many possible ways to offer discounts
that encourage larger orders -- which is your objective
because you not only make more profit; you get better rates
on larger orders too.

One thing you might need is a good mailing list, which is a
viable alternative to the "occupant" approach. You can rent
or purchase one or start accumulating your own.

If you live in a rural or small town area, you can build a
pretty good mailing list from the phone book (use the prefixes
to help determine the zip code).

If you have a computer, you can get a program with ZIP
codes -- or you can look them up in the post office
directory (assuming you don't want to buy one).

Some merchants will have their own mailing lists -- and may
allow you to use them. If so, you could combine theirs with
yours to eventually build a pretty good list. of course, you
can also purchase club and organizational listings, voter
registration lists and keep all addresses of anyone
answering mailed out offers.

A fairly important decision might be necessary in a promotion
like the Windy Bucks example -- you will need to determine if
you want to emphasize your company and idea or simply promote
whatever the clients desire.

Of course, the client's wishes always come first and you may
not have a good promotion idea (yet). If you do, you will be
able to offer some pretty good prices as well as a chance for
merchants to "get on the bandwagon" -- join in a program that
is working. Otherwise, you (and your company name) stay behind
the scenes as an advertising agent that helps design, print
and disseminate your client's materials for their promotion.

In either case, the longer you are at it and the more qualified
will you become -- and the more merchants will want to take
advantage of your experience and services. As the saying goes:
"the harder you work, the luckier you will get."

Before signing up any clients, work out arrangements with a
printer (unless you can do your own). Find out all the
"shortcuts" price breaks and cost of different paper, ink,
color combinations, as well as what sizes the printer can
accommodate and what type of cuts or logos are available (at
what price).

Normally, standard cuts (borders, pointing fingers) are
provided at little or no charge and custom cuts are so much
per square inch.

Note that you can usually save money by having more than one
made at a time. Standard coupons should be in the 3 x 8 inch
range, but always sized so that you can get as many as
possible on a single sheet of standard or legal sized paper
(to save $$).

Your cost for printing good quality single color coupons
should be in the 2 to 5 cents per page range (depending on
quantity, how many prices you check and how well you bargain).

Using colored paper and inks can increase the effect without
much extra cost (in comparison to two colors of ink or color

Mailing list addresses run about a half cent each; envelopes
one to 7 cents each, postage 10-13 cents, and your bulk
mailing permit about $50 over year after the initial permit.

Printing costs can be lowered by designing and keeping
general formats and merely substituting internal copy for

One color ink is cheaper than two; black and white is much
cheaper than color, colored paper and/or various ink colors
are cheaper and almost as effective as two color printing
(which requires two "runs" through the press).

Some local printers are quite expensive, while others will
want your business enough to "deal" (The more business you
can bring them, the more "clout" you will have).

If you have or can hire a desktop publishing system, you
can prepare "camera ready" masters that can be reproduced
inexpensively by a photo offset printer (small runs can be
+handled by copy services).

Note that some of your clients will provide their own
material (from their home offices) -- either to copy or
ready to mail. You may also be able to save by compiling
your own mailing lists (see B235).

Finally, you should offer "exclusive" mailings, where you
mail out client's material -- for a significantly price of
course. It may be worth it to a client because you have the
know-how, production facilities and the bulk rate permit.

They certainly don't want to believe their product is not
good! Your advice should always be honest in the sense that
you first advise them on how to be effective; second, how to
save money, and third, according to your profit margin.

You also should be extremely careful not to get in between
rival clients or appear to be favoring one over the other.

Never discuss one client with another (if you talk about one,
you will talk about all of them). Just "steer" them away from
advertising or layouts that would appear to compete directly
through your services.

Finally, be especially wary of "distress orders." Many
businesses, when they are on the brink of disaster will try
to bolster their position through heavy advertising. trouble
is that if it doesn't work, the advertising is added to their
list of unpaid bills. Don't be their "last resort."


BIG CITY LITHOGRAPH, 550 N. Claremont Blvd.,Claremont,
CA 91711. Photo offset printer.

THE PRINTING FACTORY, Box 27, Nesconset, NY 11767.
Printers of mail order materials.

GRAPHICS ARTS TECHNICAL, 4615 Forbes Ave.,Pittsburgh,
PA 15214. Printing supplies for the home printer.

TURNBAUGH PRINT SUPPLY, 104 S. Sporting Hill Rd.,
Mechanicsburg, PA 17055. 717/737/5637. sells new and
used printing presses and supplies.

EMPRINT, 329 Gunkel, Dayton, OH 45410, 513/2523-1452.
Small used offset printing presses.

DOT PASTEUP SUPPLY CO., Box 369, Omaha, NE 68101.
Free catalog of paste-up supplies for making
newsletters, advertisements, flyers, etc.

DUPLIPRINTERS, INC., 222/226 Broadway, Newburgh, NY 12550.
sells kits for in-home printing; sales and dealerships.
Starter kit - $72.

COUP-PAK, 585 Stewart Ave.,Garden City, NY 11530.
Information on an advertising coupon business without

DOVER PUBLICATIONS, INC., 31 East 2nd St.,Mineola,
NY 11051. Discount books, clip art, stencils, etc.

QUILL CORPORATION, 100 Schelter Rd.,Lincolnshire,
IL 60917-4700, 312/634-4800. Office supplies.

SWEDCO, Box 29, Mooresville, NC 28115. 3 line rubber
stamps - $3; business cards - $13 per thousand.

ZPS, Box 581, Libertyville, IL 60048-2556. Business
cards (raised print - $11.50 per K) and letterhead
stationery. Will print your copy ready logo or design,
even whole card.

WALTER DRAKE, 4119 Drake Bldg.,Colorado Springs,
CO 80940. Short run business cards (250 - $3), stationery,
etc. Good quality, but no choice of style or color.

The List is somewhat outdated
I would reccomend doing
keyword search to get
updated list



Today, with the average consumer now spending up to $20,400 for a new car, consumers realize the importance of investing in lower-priced used cars. With millions of buyers entering the used vehicle market every year, a wealth of opportunities exists for anyone who is looking for extra income, or a new and lucrative full-time career. The key to making money in this business is to buy low, and sell at a huge profit! This report will show you how to get started down your road to riches!


The goal of many people is just to make a little extra income. If you consider $1,000 to $3,500 or more for a single sale in one month to be "extra income," you could easily make that in your spare time without much effort.

On the other hand, you may be one of those people who want to be their own boss. While it's true that the risks are often greater than if you just worked for someone else, it's just as true that risks and rewards go hand in hand. If you're willing to take the plunge, the potential returns are also greater. If you have a bit of an adventuresome spirit and confidence in your ownlskils and abilities, operating your own used car business may be the ideal way for you to make big, big money!


The opportunity to express your own ideas and do things exactly as you want is among the primary advantages of operating your own business. The challenge and excitement of running your own operation also ranks high on the list. Another big advantage is that you will receive all the profits generated by your time and efforts. Then the potential exists to develop a part-time business into a full-time career that produces an income you never thought possible.


The same type of personal skills that are necessary to successfully work for someone else are also required to be successful in working for yourself. Personal skills would involve being conscientious, dedicated, determined, and persistent, in addition to possessing good human relations abilities.

There is also another type of skill that is necessary that involves the ability to manage and organize your activities, and possibly those of others if you hire car salespeople to work for you.

This skill should be taken very seriously, because it is these skills that can cause one business to be a huge success while the other is a total failure.

Lastly, you will need technical skills. These are the skills that include the knowledge to perform the activities involved in the used car business. It is this combination of technical, personal, and management skills that will make your operation successful.


Whether you are operating your business on a part-time basis, people will expect you to provide the type of service any consumer expects. They will also associate the type of service they can expect with the image you create for your business. This image will be impressions you make on others.

For example: Will people perceive you as handling high-, medium-, or low-priced vehicles? Will your used cars appeal mostly to the rich, the poor, or the middle class? Do you sell something for everyone or do you specialize? (Just pickups, just vans, etc.)

Any positive image is fine, as long as you are consistent in everything you do within the scope of that image. The image you create will largely set the tone for all your business activities, including selection of a businesss location, type of vehicles handled, prices charged, etc.


If you are going to buy one or two cars at a time for resale on a part-time basis, then working right from your home shouldnn't pose a problem for you. However, if you intend to eventually have a large, full-time business operation, the most important ingredient that can lead to success or failure can depend on your location. What constitutes a good location varies with the type of business. But in the used car business it means being highly visible in a high traffic area and being situated so that driving customers can get to you. In many cases, the location you consider ideal may not be available or if it is, the cost may not be practical. In that event, you will have to do strong advertising and promotion work to make customers aware of who you are, what you are selling, and where they can find you.

Whether you select a location at your home or in a business district, you must make certain you are operating within city and county zoning ordinances. Zoning ordinances are regulations specifying what each parcel of property within a community can be used for. If the location you decide on is not zoned for the type of business you want to start, you can appeal to the zoning commission to obtain a "zoning variance." If approved, you would be allowed to use the property for your business.


To get started in the "Buy-Low, Sell for Huge Profits" used car business, you will have to locate suppliers. In some cases you will be able to buy directly from individual car owners. At other times you will go to independent auction houses or attend U.S. Government Auction Sales where you can often purchase vehicles for pennies on the dollar.

At independent auction houses vehicle owners have auctioneers sell their vehicle by getting buyers who are at the auction house to bid against one another. Generally, there is a minimum bid set. The person who offers the highest bid over the minimum set has the winning bid. The seller however, also has the right to sell the vehicle below the minimum bid if he chooses. Incredible bargains can be found at independent auction houses.

Independent auction house sles take place throughout the U.S.A., many on a weekly schedule. For additional information of auction house locations refer to your telephone directory under "Auctions" or "Car Auctions," or write to:

National Auto Research N.A.D.A. Used Car Guide Co.
P.O. Box 758 8400 Westpark Drive
Gainesville, GA 30503 McLean, VA 22102-9985
(404) 532-4111 (703) 821-7193
(800) 554-1026 (Except Georgia) (800) 544-6232
(800) 523-3110 (In Virginia)


A wide variety of personal property either no longer needed or seized by the Federal Government is periodically placed on public sale.

The Department of Defense and the General Services Administration are the principal Government sales outlets for surplus property. As items become available for public sale, catalogs and other types of announcements are distributed to people who have expressed an interest in bidding on the types of property being offered.

Sales generally are on a competitive bid basis, with the property being sold to the highest bidder. Among the many thousands of items sold are automobiles and other vehicles of every imaginable make and model. In fact, tens of thousands of vehicles are sold by the government at public auctions throughout the country every year!

How can there be so many vehicles for sale? Because the Government is so huge that it's difficult to even comprehend just how much property is amassed for resale. In fact, the government seizes, conficates, and forecloses on property that results in many millions of pieces of property every year, and the numbers continue to grow.

Incredibly, the government isn't like a private business that is interested in making a profit on items it sells. The government is mostly interested in eliminating the enormous stockpiles of seized and surplus vehicles and other properties. As a result, many thousands of vehicles are offered to the public through government auctions at a fraction of their actual values. This is where you can buy just about any model of vehicle you want at super-huge savings, and make incredibly-high resale profits.


Both the Government Services Administration(GSA) and the Department of Defense maintain mailing lists on persons interested in seized and surplus property sales. People on these lists are sent catalogs and other sales announcements in advance of sales and are given the opportunity to inspect the vehicles and other property and submit bids.

Each GSA regional office maintains a mailing list for sales of property located in the geographical areas it serves. For general information about sales conducted by GSA, or to be placed on the mailing list, write to any of the following addresses.

The Department of Defense maintains a centralized mailing list for the sales of its property located in the United States. The Defense Surplus Bidders Control Office, Defense Logistics Services Center, Federal Center, Battle Creek, Michigan 49016, maintains this list.


GSA Customer Service Bureau GSA Customer Service Bureau
7th and D Streets, SW 1500 E. Bannister Road
Washington, DC 20407 Kansas City, MO 64131
Serves: District of Columbia, Serves: Iowa, Kansas, Missouri,
nerby Maryland & Virginia Nebraska

GSA Customer Service Bureau GSA Customer Service Bureau
Post Office & Courthouse 819 Taylor Street
Boston, MA 02109 Fort Worth, TX 76102
Serves: Connecticut, Maine, Massachusets, Serves: Arkansas, Louisiana, New
New Hampshire, Rhode Island, Vermont Mexico, Oklahoma, Texas

GSA Customer Service Bureau GSA Customer Service Bureau
26 Federal Plaza Bldg. 41-Denver Federal Center
New York, NY 10278 Denver, CO 80225
Serves: New Jersey, New York, Puerto Serves: Colorado, Montana, North
Rico, Virgin Islands Dakota, South Dakota, Utah,
GSA Customer Service Bureau REGION 9
Nineth & Market Streets GSA Customer Service Bureau
Philadelphia, PA 19107 525 Market Street
Serves: Delaware, Pennsylvania, San Francisco, CA 94105
Maryland, Virginia, West Virginia Serves: Samoa, Arizona, California,
Guam, Hawaii, Nevada
GSA Customer Service Bureau REGION 10
230 S. Dearborn Street GSA Customer Service Bureau
Chicago, IL 60604 Auburn, WA 98002
Serves: Illinois, Michigan, Minnesota, Serves: Alaska, Idaho, Oregon,
Ohio, Wisconsin Washington


Whether you attend auctions or purchase a vehicle outright from a seller, you must know what it is worth. The best way to determine a vehicle's average market trade-in or wholesale value, average loan or average retail value is, is to subscribe to the N.A.D.A. Official Used Car Guide, published monthly by the National Automobile Dealer's Used Car Guid Co., 8400 Westpark Drive, McLean, VA 22102-9985. Write for current subscription rates.

N.A.D.A. also publishes guides as followss: Official Older Used Car Guide...Official Wholesale Used Car Trade-in Guide...Official Title & Registration Book...Official Recreation Vehicle Guide...Official Motorcycle/Snowmobile/ATV Personal Watercraft Appraisal Guide...Official Smaller Boat Appraisal Guide...Official Larger Boad Appraisal Guide...Official Mobile Home Appraisal Guide and the Mobile Home Appraisal System.

A weekly used car market guide is also available from: National Auto Research, P.O. Box 758, Gainesville, GA 30503. Write for current subscription rates.


The average values listed in the N.A.D.A. Official Used Car Guide are based upon reports of actual transactions by dealers and auction houses throughout each area for which a guide is published. A used car guide-book normally includes 1)Domestic Cars; 2)Imported Cars; and 3)Trucks. Manufactures' names are listed alphabetically.


City, county, state and/or federal licenses or permits are often required before entering a particular business or service operation. Often, these are issued solely as a fund-raising measure, and are therefore easy to obtain simply by submitting a fee.

On the other hand, licensing is also used as a method of regulating the competency of those entering a particular field and to protect the public from shady operators. In some cases an exam is administered, and moral and financial requirements may need to be met as well.

In the used-car business, most states require that you obtain a dealers license if you are buying and selling vehicles for the purpose of making a profit. However, you are not required to apply for a license if you only make an isolated or occasional sale. You are not considered to be in the business of selling motor vehicles in that event. "Isolated or occasional sales" in many states means "the sale, purchase, or lease of not more than five motor vehicles in a 12 month period".

Once you begin to sell more vehicles for profit than is allowed by your state law on an annual basis, you should apply for a Dealer's License by contacting your State Department of Public Safety or Department of Motor Vehicles.

Check with your attorney or other city officials to determine what licenses and permits are needed. Simply starting up a business without having the proper authorizations can result in severe penalties, and you could be forced to discontinue operations.

Many states, and some cities and counties, require that sales taxes be collected. The stated sales tax permit is available from the State Department of Revenue, City and county permits are available from the tax department in those jurisdictions.

Even though a certian amount of "red-tape" must be tolerated to obtain some licenses and permits, this is usually a one-time occurrence. Then, it's just a matter of simply submitting an annual renewal fee.


And dont forget the POWER of online auctions Ebay Motors alone transacts millions of dollars per mo in used car sales.



Most real estate salespeople will tell you without hesitation that no-one can purchase real estate without a down-payment or credit check. They will tell you that a credit check is an essential part of the process and that you better have a fistful of cash before you evxer think about buying a home. Of course, nothing could be further from the truth!

Everyday throughout America, tens of thousands of people are acquiring homes without being subjected to a credit check or spending a cent of their own money as a down payment.

The reason why real estate salespeople don't even want to consider real estate transactions that are creatively packeged and don't require cash is obvious! They receive their commissions only when there are cash transactions.

No one should deny a real estate salesperson commisssions. In many cases it is their expertise in the reaal estate field that can help a person find great buys. They know the market in their areas and deserve the commissions they earn. However, in times of high interest rates when money is tight, many are increasingly willing to be creative by allowing their commissions to be paid via a note or by deferred payment. Still, there are even better ways if you want to avoid down payments and credit checks.


The Vererans Administration(VA) and the Federal Housing Administration (FHA), a division of Housing and Urban Development (HUD) have been encouraging and promoting home ownership through their agencies for years. When people are denied a home loan by a bank or other lending institution, FHA will insure a home mortgage loan by giving the lending institution a 100% guarantee against any losses that may be incurred if the buyer does not repay the loan. Another benefit of getting a FHA loan is that the interest rates are usually lower than the standard bank rates for home mortages.

The VA will also guarantee a home loan up to 100%, which also allows a buyer to receive a home loan through a bank or other lender. A credit check is required on the "original" buyer of the home, but here's the loophole!

While it is true that from March 11988 onward, all asumbble VA loans require credit approval, the good news is that these changes in credit check approval only apply to those loans that were made "after March, 1988," ALL VA LOANS MADE BEFORE MARCH 1988 ARE STILL ASSUMABLE BY ANYONE REGARDLESS OF THEIR CREDIT!

GEOGRAPHIC LOCATION - Scoring systems are adjusted for differences
in geographic locations,. For example, home owndership may not score high
in an area where there is a high incidence of credit problems, reoccurring
employee/employer differences, low income, etc.

EMPLOYMENT - The longer you have been on a job the better.

OCCUPATION - Occupationss can be divided into many categories with
a high to low score within each category for different occupations.

AGE - Older is not considered better until you pass age 40. Under 25 to
the end of your 30's receive the lowest scores. The rational is that people
under 25 haven't proven they are a good credit risk. People in their 30's are
still raising a family, buying a home, and tied down with emormous expenses.
This is also the time most people declare bankruptcy

INCOME - The higher your income the more points you will receive.

TELEPHONE - Having a telephone is an indication of stability. Give
yourself more points.

AGE OF AUTOMOBILE - No auto is a low score, but the newer the vehicle
the higher the score.

DEPENDENTS - One to three indicates responsibility and stability. After
three, points drop rapidly.

CITIZENSHIP STATUS - Non-citizens receive negative points.

BANK ACCOUNTS - You receive high points if you have a checking and
savings account.

will earn you more points.

CREDIT CARDS - The more major credit cards you have the better.

BANK LOANS - A current bank loan will increase your score.

FINANCE COMPANY LOANS - You will receive negative points for each
finance company loan.


Credit checks are requested by banks, lenders, and other creditors to see if there are negative items in your file. The more negative items you have, the less your chances of credit will be. As we have seen, creditors look for stability and reliability in an applicant. A steady source of income will receive a high score, but even more important than an income amount is a creditor's belief and perception that you are both willing and able to pay back a debt.

In other words, even if you fail to pass certain criteria or formulas, your application can still be approved on another level that will get you the credit you want no matter what a scoring system profile says.

Motivated sellers are the best kind to deal with, because they will want to help themselves by helping you. Lack of money or credit shouldn't be your primary concern when purchasing a home. Creative negotiating and positive thinking will get you what you want.


Creative negotiating can lead to financing arrangements that benefit both the buyer and the seller. There must be a willingness, however, by both the buyer and seller to give and take, before the most favorable environment for a creative financing situation can be created. For example, if you want to purchase your dream home with nothing down, you might consider paying a little more.

On the other hand, if you are investing money out or your pocket on a down payment, then the sale price and terms should be favorable to you. A smart, yet flexible home buyer can often afford to pay a premium price provided it's not too far out of line with the market value, and he can get attractive terms and no down payment.


Many sellers want a steady income and don't need front money in the form of a down payment. Most buyers never consider asking a seller what they want! If you can guarantee a nice monthly income to someone who prefers a steady check, you can have yourself a nothing-down deal. Find out what the seller really wants!


Sometimes you will require super negotiating skills if you decide to buy a home without using your own money. After you have found your dream home, you and the seller will have to sit down and negotiate a final agreement. The following three rules should be followed to enable you to ge the best possible deal:

1) Get the selling price as low as possible.

2) Negotiate a very low down payment, or no down payment agreement.

3) Be aware of all the methods available to you in buying real estate
whereby you would pay some cash, or no cash up front.

The first five of the following options involve some cash up front, the remaining seven do not. At the top of the list the buyer buys out the sellers full equity. At the bottom of the list the buyer pays nothing down and doesn't secure the debt. Somewhere in-between you should be able to agree on a compromise that benefits both parties involved.


1) Cash to existing mortage

2) Cash to down and refinancing

3) Cash down with seller taking bacy the contract, second mortage,

4) Some cash plus equity in other property

5) Cash plus mortgage on other property

6) No cash but equity in other property

7) No cash, equity plus mortgage on purchased property

8) No cash, equity plus mortgage on othe property

9) No cash, moortgage on purchased property

10) No cash, mortgage on other property

11) No cash, wrap-around where seller carries paper with or
without a promissory note.

12) No cash, unsecured note for complete equity


Always think in terms of 1) Low Interest; 2) Low Monthly Payments; and 3) Long-Term Payoffs as you develop home buying transactions. Make a transaction benefit you by negotiating hard all the way. Decide ahead of time what your "No-Deal"! cut-off point is. Be prepared to walk away from any deal that goes beyond your low-interest and low-payment cut-off. And remember, the longer the payback terms the better off you will be. High interest rates, high payments, and short-term payoffs can destroy a fledgling financial situation.


It only requires a simple search to find great real estate buys that require no down payments or credit checks. You can start your search by picking up newspapers in and around the area you are interested in. Then carefully review the classified real estate ads and begin contacting both home owners and real estate agents. Don't be afraid to call agents! They might provide the lead that leads you to your dream home. Keep a list of your contacts and note the results. Make a minimum of 3-4 contacts every day. You will know who the really motivated sellers are through conversation. Then, if you are interested, take advantage of the situation and follow through.


Obtaining an option to purchase real estate can make you some fast and easy profits. When it comes to real estate, options favor a buyer over the seller 10 to 1!

Here's how an option to buy can make you huge amounts of money:

To begin with, find a piece of property that is priced to sell at under market value. Let's say that the property you decide on is priced at $99,000 but the actual market value is $125,000. And remember, these kinds of bargains are available everywhere! Your next step is to tie up the property with an option, which may or may not require a modest options fee.

Let's say that the property increases in value by only 10% during the period of time you hold your option, which in many parts of the country might be a very modest increase. Now you would have an option to buy property that is now worth $137,500, still for $99,000. Now you have and incredible opportuunity to make a $38,500 profit!

Options are favorable to the buyer over the seller because at the end of the option period, the potential buyer can exercise his option if conditions are favorable and make a tremendous profit from the transaction. On the other hand, he can also walk away from the deal if conditions appear unfavorable.


Contingency clauses can give you many advantages when you are ready to make a deal. Contingency clauses can stack real estate agreements in your favor. What you are doing in effect, is specifying certain conditions that allow a contract agreement to be valid.

Basically, there are two reasons for using contingency clauses:

1) The contingency clause is of great importance to the deal; and

2) You simply want more time and are using a contingency clause
to get it.

Some of the typical reasons for these clauses include statements such as:
1) Contingent on buyer arranging suitable financing; 2) Contingent on buyer selling his property before the deal is valid; 3) Contingent on appraisal; 4) Contingent on the buyer's accountant or attorney inspecting all records; or, 5) Contingent on the seller agreeing to your specific terms, etc.


If the seller absolutely demands all or part of the down payment in cash, don't exclude the possibility of agreeing on a "Delayed Down Payment." This tactical move should at least be considered, especially if you have already lined up a buyer for a fast resale


The same person you are buying property from may also act as your lender. Today, sellers are lending money to buyers in almost half of real estate transactions. The borrowed equity is secuured by either a personal note, or a second or third mortgage. This method amounts to lending money to the buying party.


When you are ready to purchase your dream home, think in terms of non-cash ways to obtain it. First and second notes can easily serve as the equivalent of cash money. The advantage of using notes in place of money is that you receive 100% of the value of the note. If you wanted to convert a note to cash by selling the note, chances are you would have to accept a discount price on it. This discount could range anywhere from 10% to 30%, depending on the time left on the note, interest, and the history of payments. When buying real estate, it is wise to substitute notes for cash. In this way you can receive 100% value for your paper.

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