Tips For First Time Car Buyers to Get Online Auto Loans

What Are First Time Buyer Auto Loan Programs?

Whether you are buying your first new or used car or are planning to apply for online auto loans for the first time, understanding how automobile dealerships and lenders see you, and what you can do to improve that image, can help you to be prepared in advance of applying for online auto loans for the first time, so that you will be in a better position to get approved for a car loan with a lower interest rate and better terms. After all, you want your monthly auto loan payment to be the lowest it can possibly be, right?

Who might apply for first-time buyer car loans? Some people that first-time auto loan programs can help could be:

* Teenagers, personally buying their first car in their own name will need to apply for first-time buyer auto loans as they have no credit history behind them

* College students living away from home for the first time frequently have not had time to build a credit history before leaving for school and so will often need to apply for first time buyer car loan programs

* People that have always paid cash for vehicles in the past, but now want to upgrade to a newer one or are forced to take out automobile loan because they do not have the cash funds to buy a vehicle at present

* Immigrants that have moved here from other countries, and thus have left their credit histories behind, may need to apply for first-time auto loan programs in order to start building a credit history

Not All First Time Auto Loan Borrowers are in the Same Boat

The first thing to realize is that not all first-time borrowers are in the same boat. There can be a lot of different factors that can either work in your favor or against you when you are applying for online auto financing. For instance:

* Are you employed full or part-time? If you are not employed, do you have an income? Not being employed is not necessarily a game stopper, but if you plan to have your name on the title of the car and on the auto finance, you will need to demonstrate that you have either a job, regular income, or other funds that you will be paying your monthly auto loan payment from. Of course, the higher that your income is, the easier it will be to qualify for lower interest rate first-time buyer auto loan programs.

* Do you have no credit history, because you are just starting out your financial life, or do you have a bad credit history/low credit score because you have had a few credit slip-ups in the past? Dealerships will certainly work with you in either case. However, if you have a low credit score, depending on how bad your credit history is, the dealership may be inclined to offer you a higher rate of interest and a lower credit limit on first-time buyer auto loans as opposed to someone that has not made any credit mistakes in their financial life yet.

Note, see our recent article entitled “How to Get Approved for an Auto Loan with Bad Credit if you have Low Income” to learn how to get unwanted items removed from your credit report to bring up your credit score.

* Will you have any funds available to make a down payment on your auto loan? Whether you are applying for first time buyer auto loans, or if you have had auto loans in the past and just need another one now, what every auto dealership or lender is going to take into consideration when assessing your application and the items on this list is; how much of a risk are they taking in making an auto loan to you and what if anything can they get you to do to mitigate that risk. Making a down payment is one thing that you can do to mitigate the dealership’s risk, making them more likely to quickly approve your automobile loan and to give you a more reasonable interest rate. In addition, a down payment will obviously bring down what you owe on the vehicle and so your monthly payments will be lower and more affordable. Down payments are usually not required to get online auto loans, but they can be very helpful when negotiating with a dealership. Even a small down payment can make a difference in how the dealership sees you.

* Is there someone that you know that would be willing to cosign for you on your auto loan? Cosigners are not required in order to get online auto loans, even if you have bad credit or no credit history at all. However, the use of a cosigner can save you a lot of money and make the application process go much more quickly and smoothly. A cosigner is someone that puts their name on your loan application along with yours, guaranteeing that the loan will be repaid. The limit and maximum amount of your automotive loan will be determined by the cosigner’s income and credit standing, not yours. So, if you choose to have a cosigner, make sure to pick one that has a high credit score. With a cosigner, there is really no need to look for first-time buyer auto loans because you will be treated by the dealership as though the higher credit score and income were yours.

* What is the ratio of your monthly housing payment as compared to your income? A little-known fact is that auto dealerships and lenders pay attention to this number. For instance, if you make $1,000 per month income, and your monthly housing cost is $300, then your housing cost takes 30% of your income. Anything over 40% will send up a red flag to the dealership/lender and they may need convincing that you can make your monthly payments on time. Take this into consideration when you complete your auto finance application.

Taking the above items into consideration, you should be able to get a clearer picture of how automotive dealerships and automotive loan lenders see you, and what you can do to control that image, at least to some extent. Once you have submitted your application, the die has been cast and you will see what the dealership offers you at that point.

Commercial Real Estate – Big Profits

Real estate has always been known as the safest of investments.

In fact, real estate investment completed after proper research into and evaluation of the property (to determine actual and future value), can lead to tremendous profit.
This is one reason many people choose real estate investment as their full-time job.

Discussions about real estate tend to focus on the residential real estate; commercial real estate, except to seasoned investors, typically seems to take a back seat.
However, the commercial real estate is also a great option for investing in real estate.

Commercial real estate includes a large variety of property types.
To a majority of people, the commercial real estate is only office complexes or factories or industrial units.
However, that is not all of the commercial real estates. There is far more to the commercial real estate.
Strip malls, health care centers, retail units, and warehouse are all good examples of the commercial real estate as is vacant land.
Even residential properties like apartments (or any property that consists of more than four residential units) are considered commercial real estate. In fact, such commercial real estate is very much in demand.

So, is commercial real estate really profitable?
Absolutely, in fact, if it were not profitable I would not be writing about commercial real estate at all!!
However, with commercial real estate recognizing the opportunity is a bit more difficult when compared to the residential real estate.
But commercial real estate profits can be huge (in fact, much bigger than you might realize from a residential real estate transaction of the same size).

There are many reasons to delve into commercial real estate investment.
For example, you might purchase to resell after a certain appreciation level has occurred or to generate a substantial income by leasing the property out to retailers or other business types or both.

In fact, commercial real estate development is treated as a preliminary indicator
of the impending growth of the residential real estate market.
Therefore, once you recognize the probability of significant commercial growth within a region (whatever the reason i.e. municipal tax concessions), you should begin to evaluate the potential for appreciation in commercial real estate prices and implement your investment strategy quickly.

Regarding commercial real estate investment strategies, it is important that you identify and set investment goals (i.e. immediate income through rental vs later investment income through resale) and that you know what you can afford and how you will affect the purchase.

It would be wise to determine your goals then meet with your banker (or financier(s)) prior to viewing and selecting your commercial real estate.

Also remain open-minded and understand that should the right (perfect)
opportunity presents itself, your investment strategy might need to be revisited and altered, sometimes considerably.
For example: If you find that commercial real estate, (i.e. land) is available in big chunks which are too expensive for you to buy alone but represents tremendous opportunity, you could look at forming a small investor group (i.e. with friends or family) and buy it together (then split the profits later).

Or in another case (i.e. when a retail boom is expected in a region), though your commercial real estate investment strategy was devised around purchasing vacant land, you might find it more profitable to buy a property such as a strip mall or small plaza that you can lease to retailers or a property that you can convert into a warehouse for the purpose of renting to small businesses.

So in a nutshell, commercial real estate presents a veritable plethora of
investing opportunities, you just need to recognize them and go for it.

Understanding Auto Insurance

Auto (car) insurance is a type of insurance coverage for damage to and resulting from an auto. Insurance of this type can cover a variety of things depending on the kind of auto insurance that has been purchased.

All auto insurance policies involve a premium, which is the payment a customer makes to have auto insurance. Premiums for auto insurance can be extremely divergent and are determined by a number of factors. Gender is the major determinant for auto insurance premiums. Statistically, men are 80% more likely to be involved in an accident, and therefore have a greater need for insurance. Auto insurance premiums for men are higher than auto insurance premiums for women. Similarly, teenagers are considered high risk and will have to pay higher auto insurance premiums. The auto insurance premium can be reduced if the teenager takes a defensive driving course. Many states require teenagers to take defensive driving courses in order to obtain a driving permit and auto insurance.

It is customary for auto insurance plans to have a deductible that the customer is responsible for before the auto insurance provider offers coverage of expenses. Deductibles can have an effect on the coverage available under an auto insurance plan.

Auto insurance is slightly different than other types of insurance because you can purchase auto insurance that covers specific needs. For this reason, there are different kinds of auto insurance. Auto insurance basics are covered by liability auto insurance plans. Liability auto insurance is usually the minimum required by state laws. Liability auto insurance is characterized by a set dollar amount of coverage for damages resulting from accidents or negligence. The coverage amount of liability auto insurance can be applied to property damaged in the accident that is not an auto.

Car insurance also comes with collision auto insurance. Collision auto insurance is meant to cover the cost of repairs to a vehicle involved in an accident, or the cash value of the vehicle if it cannot be repaired.

Comprehensive auto insurance is also available. With comprehensive auto insurance, coverage of fees for repairs is provided for accidents that are not collisions. Comprehensive auto insurance will, for example, cover hail or fire damage.

How Smoking Impacts Your Health Insurance Policy

It’s a well-known fact that smoking causes an adverse effect on your health. You must have seen the warning message on all cigarette boxes – ‘Smoking is injurious to health’. Smoking tobacco is a root cause of 30% of all cancer deaths and causes 16 times higher risk of heart attack.

There are almost 120 million smokers in India. As per World Health Organization, India accommodates around 12% of the world’s smoking population. The number of men smoking tobacco has increased from 78 million in the year 1998 to 108 million in the year 2015. Tobacco consumption is accountable for the death of 6 million people each year. Direct tobacco consumption accounts for over 5 million deaths and 0.6 million deaths are due to exposure to second-hand smoke. Considering serious public health risks, the Government has banned smoking in public places from 2nd October 2008.

Not only your health, it also causes you to pay higher premiums for a health insurance policy, due to increased health risks and shorter life expectancy. A nonsmoker, however, gets premium discounts as a reward to lead a healthy lifestyle. Being a smoker, it is advisable not to hide your smoking habit from your health insurance company, as it helps you to cover the smoking-related health issues.

There is a wide curiosity among people, how smoking impacts the health insurance and its cost. Let’s educate yourself about smoking and its impact on health insurance policy.

Smoking – What It Includes

Smoking includes inhalation of the smoke of burning tobacco in the form of cigarettes, cigars, and beedi. Whether you are an occasional smoker or frequent smoker, you will be considered as a smoker under the health insurance policy.

Smokers can buy health insurance, however, an insurance company may charge the extra premium or reject your application for insurance, depending on the number of cigarettes you smoke on a regular basis. A smoker may also have to go through additional health check-ups that can help an insurance company to ascertain the risk factor and then charge the premium amount accordingly.

How Smoking Affects Your Health and Insurance Premium

Smoking makes the serious impact on your health, some of them are detailed below.

Circulatory System: Smoking results in the increased risk of the heartache and blood pressure. Building up of fatty acids could result in atherosclerosis.

Immune System: Smoking results in severe and long-lasting illnesses. Smokers are more prone to develop ulcers, cancer, pneumonia, high blood pressure, bronchitis, and other viral/bacterial/fungal infections.

Respiratory System: Smoking may damage lung functions and breathlessness. It may cause damage to the air sacs of the lungs, increased the chance of developing chronic bronchitis.

Oral Health: Smoking can lead to tooth loss, tooth staining, gum disease which may increase the risk of tooth decay.

Cancer: Smoking for a long time also causes cancer to various body organs.

When it comes to a health insurance policy, an insurance company considers the magnitude of illnesses and deaths caused due to smoking and that’s why smokers need to pay higher premiums to avail health insurance cover. Typically, the insurance companies charge around 15 to 20 percent higher from a smoker policyholder. Those who smoke would need to undergo additional medical checks before the insurer issues you the policy.

Let’s understand the difference of premium between a smoker and non-smoker individual.

Ritesh (non-smoker) at 30 years of age buys an individual health plan with Rs 5 Lacs coverage, for 1-year policy term, the chargeable annual premium amount is Rs 4,656. However, Raj (smoker) is buying an individual health plan, he is charged with an annual premium amount of Rs 7,552. An increase in premium amount is only due to the fact that Ansh lies in the smoker category of premium. We can see Raj is paying Rs 2896 extra on account of smoking.

Smoker with Existing Health Problems

If you are a frequent smoker that has caused the symptoms of the declining health condition and getting puzzled whether you can get a health insurance. The answer is yes, the only thing required is to make honest and proper disclosures.

The insurance company will then assess the risk associated with your profile and then decide on terms & conditions and the premium to be charged for providing you a health cover. The premiums charged will be higher and a waiting period will be applied for covering your pre-existing diseases. Moreover, if you are seeking an immediate coverage on your deteriorating health condition, you may go for a critical illness policy.

Conclusion:

Smoking makes an adverse impact on your health and your health insurance policy as well. An insurance company will charge you a higher premium in proportion to the risk associated with providing a health cover. An important point to note that you should disclose all relevant information regarding your health and smoking habits. In case, you are found hiding or providing fake information, the insurance company may decline in settling the claims.

Transport Your Vehicle At A Low Price With Auto Transport Services

If you want a company to move your vehicle, you will need to engage in some serious research first. A simple internet search term for “auto transport discount” will reveal thousands of hits and it is your job to find the best ones. However, unless you really know what you are talking about, how do you recognize with the auto transport discount offer is genuine and which one should not be trusted with a raw egg, let alone your vehicle? One great thing is that simply by looking into the different companies that are around, you will already learn a lot of about methods of transportation.

Finding Quotations For Auto Transport Discount
As stated earlier, the best way to learn about transporting your car is by contacting companies. However, as also stated before, an internet search will present you with thousands of hits and you probably don’t have the time to try them out both. People usually presume that the hits that appear on the first page are also the best. They usually are, but you should not accept this blindly. It is possible that the owner of the website is better at SEO marketing than he or she is at offering auto transport discount. So, unfortunately, it isn’t as simple as contacting the top five companies and hoping for the best. So how do you get a shortlist of companies that you can ask for quotations? Using common sense is generally the best policy. Look through the results for auto transport companies that you have found and think about which ones strike you as genuine and which ones do not. As stated earlier, most of the really good companies offering auto transport discount do manage to get on the first page of Google, so realistically you only have to sift through those results, or perhaps go to the second page as well. Take a look at the websites and dismiss the ones who have a website that is poorly designed or poorly written, as well as those that are too flashy. That is a very common sales gimmick and quite simply not what you should be looking for. Hopefully, once you have completed this, you should be left with no more than five different companies offering auto transport discount and with a bit of luck, the best nationwide car transport service is among that. Getting five quotations is always the best policy, because it allows you to really compare the different offers and find out who offers the best value for money. Always remember that value for money does not mean cheap. Speak to each of the companies you are considering and tell them about the vehicle that you want to have transported. Ask them how they intend to transport it. This will allow you to get a good idea of the methods employed by companies offering auto transport discount. Always ask why they choose a specific method, as this will give you a better idea of what seems safest to you.

Using The Online World Even More To Find The Best Nationwide Car Transport Service
You can actually use the internet to your benefit even more. As shown, the internet should already help you to find the best nationwide car transport service, but it also allows you to have a wider search range. If you were to use the yellow pages only, you will be limited to your geographical area and this is not necessarily the best auto transport discount that is out there. Not just that, if you were to purchase a vehicle that is far from your geographical area, it will make much better business sense to use a company that is nearer to the location of the vehicle, rather than your location as this will usually work out cheaper.

Using the internet will also help you to keep costs down significantly. A lot of companies claim that if you can find the same like for like quotation at a cheaper price, they will match it or even go below it. True, this can add some time in your quest for the best auto transport companies, but we live in difficult economic times and getting the best deal on something is very important. Also, the internet may even provide you with price comparison websites for auto transport discount, where you will be able to find the best price at just a glance. Remember, however, that finding the best price does not necessarily give you the best possible company so make sure you still check the companies out one by one. Last but certainly not least, finding a company online and booking your car transport online may give you even further discounts. Clearly, the internet is your best friend in the search for auto transport discount. Make sure you use it to the best of your advantage.

What To Expect From The Service
Armed with all this information, you should be able to find the best value for money on your auto transport service. But what can you expect from an auto transport company? What service will you receive and what will they actually do? An auto transport company is able to transport vehicles from one location to another. This can be beneficial if you work for a salvage company or own a scrap yard. Or perhaps you have seen the car of your dreams on the other side of the country and don’t actually have the possibility to go out there and drive it back yourself. An auto transport discount service is there to load up your vehicle or vehicles and drive it to whichever destination you want. The vehicle is securely strapped to the back of a truck, together with any other vehicle, and is taken to its destination. The best nationwide car transport service will always be happy to explain further details about this to you. Don’t confuse auto transport discount services with tow trucks. A tow truck tows a car over a relatively short distance. This can be because they have committed a parking violation or because they have broken down alongside a road. Whichever the case, the key here is that this service is not applicable for long distances. After all, you couldn’t tow a car all across California for example.

The Bottom Line
Basically, you should never feel rushed in making a decision. An auto transport company tends to transport an item that is generally of high value. A car, after all, is not a cheap toy that can easily be disposed of. Make sure you pay very close attention to all the quotations you receive. Read all the small print on any details that you get sent from the auto transport discount company. Think about such things as what sort of insurance they have, what would happen in case your vehicle arrives damaged, what would happen if they don’t arrive on time. If your car has to be transported over very long distances, make sure that the auto transport discount service has measures in place to protect the health and safety of their drivers. Do they have machines installed that force the trucks to go no faster than a certain speed? What arrangements do they have in terms of working hours? Also look at the company’s history. Have they had mainly satisfied customers and if not, what were the complaints? When looking at the complaints that an auto transport company has received, it is not so much about the content of the complaint, it is about how the company has responded to this. Remember that there are people out there who feel complaining is a national sport, which makes it clear that the reaction in dealing with any complaint is far more important.

You should now be armed with all the information that you could possibly need to find the best auto transport company. Always remember that it is good to look for an auto transport discount, but that price should not be the main driver in finding the best nationwide car transport service. Indeed, what is important is that the auto transport discount company that you intend to work with is safe and experienced in dealing with what you need. Do they know the vehicle or vehicles that you want transporting? Do they understand how to keep things safe and secure? Do they protect their staff? Do they have a good track record? For one last bit of security, you could once again use the internet to find reviews on the different auto transport discount services that are out there. Do make sure that these reviews are independent and not actually from the company itself. Also, don’t trust the reviews you read on the company’s website. They are highly unlikely to post anything on there that is highly negative. This doesn’t mean that the positive reviews on the service aren’t genuine. However, they will not give you the complete picture of customer experience. Never be afraid to ask questions, a good company should be happy to answer any query.

Feel Secure With Best Travel Insurance Coverage

Bajaj Allianz life insurance is a distinct corporate among the world giants such as Bajaj auto and Allianz group. Bajaj Auto is the largest manufacturer of two-wheelers and three-wheelers in the world and Allianz group is one of the tops ranked insurance companies in the world. Bajaj Allianz insurance company has more than 800 offices around the whole world and about 4 million satisfied clients. Bajaj Allianz life insurance company provides an extensive variety of insurance plans and policies.

Bajaj Allianz insurance offers convenient payment schemes like debit cards, credit cards, cheques, or directly from their customer’s bank accounts. The friendly and patient agents of Bajaj Allianz life insurance helps in the specifications of insurance policies, quotes, and terms that best suit each individual’s needs.

Bajaj Allianz offers a wide variety of insurance in India. Travel companion, travel elite and student travel is the most important insurance plans under Bajaj Allianz. They are also providing other travel plans like corporate insurance, travel Asia and travel Swadesh yatra. Let’s go into some details of these plans.

Travel companion is a travel insurance policy which is a comprehensive package which provides complete medical and health cover to the international traveler. You can choose a suitable plan according to your requirements from the travel companion insurance plan which offers customized plans for individual, family and senior citizen of age, 61-70. This policy covers personal accident, medical expenses, and repatriation, loss, and delay of checked baggage, personal liability, loss of passport, cashless service, hospitalization expenses, hijack cover, emergency cash advance, trip delay, golfers hole-in-one etc.

Travel elite is a customized online travel insurance that provides the discerning traveler a good range of policies to choose from, where each policy will be customized to meet your specific requirements. One can choose the policy depending on whether they are a student, a businessman, senior citizen, corporate executive or one traveling with the family. There are plans for individual, family, and senior citizen of age, 61-70 and senior citizen of age, 71-75 in the travel elite insurance plan offered by Bajaj Allianz.

Student travel insurance plan is specially designed for students to make their travel risk free. This plan offers protection for a student’s as well as coverage for other essential needs like medical and hospitalization help. There are three plans which come under student travel. They are study companion plan, student elite plan and scholars guide and brilliant minds.

Corporate international travel is a comprehensive plan which provides complete medical and health cover to the international business traveler. This plan covers your business trips abroad. Bajaj Allianz offers customized plans for virtually every requirement of corporate employees traveling abroad. Companion, elite and age 61-70 plans come under the corporate insurance plan.

Travel Asia policy is a comprehensive plan which offers complete medical and health cover to the international traveler. You can choose from the travel companion and travel elite plan which comes under the travel Asia policy.

4G Mobile Technologies Demystified

Until recently, we have witnessed the evolution of mobile technologies from the radio frequency technologies right up to the 3G technologies that are currently making waves all around the world. A new technology has now come to us, 4G mobile technology. This technology is nothing but a new technology for the next generation of mobile phones. It was made available commercially in the USA from the year 2009. But, in India, it is a relatively new wave that has not yet reached a crescendo. In India, right now we are in the midst of the 3G wave of mobile technology.

To simplify matters, 4G refers to the fourth generation of mobile technologies. We have got to this stage due to the evolution of technology from its primitive 1G version, through to 4G technology. In other words, 3G mobile technology covers the carrying of data in its digital formats. This activity leads to enhanced information services like websites in their original formats, etc.. The famous Apple iPhone is a silent testimony to the success of the 3G mobile technology. Although we have not reached there yet, the 4G mobile technologies are the next wave of improvisation in mobile technology.

This technology has not yet established itself, and it does not have an agreed set of standards and rules, not to talk of protocols. However, it is sure to revolutionize the way people use the internet on their mobile phones. This technology is not yet fully defined, and so it cannot be said to be totally discovered. This new technology involves enhanced security features since data transfer is increasingly being done through fiber optic cable networks, wireless networks, etc.. 4G technology talks of the security measures to be provided by these enigmatic technologies.

One of the primary goals of 4G mobile technology is to minimize the blips in transmission when devices are taken from one area to another. Another goal of this new technology is to leverage the power of IP networks for increased safety and security of the data that is being transferred through a fiber optic cable network. If 3G made e-commerce a reality, then 4G will make uninterrupted internet access a reality for all and sundry. The USA uses 4G technologies in two ways- WiMAX technology and the other is Long Term Evolution or LTE technology.

4G technology is primarily used for data and voice transfer over the internet and fiber optic cable networks. Customers who have a strong 4G network in their homes can use it to access high-speed internet access through Wi-Fi networks that are built into routers and switches. This facility does not need the use of cables for data and voice transfer. Unobstructed Internet access, through external networks apart from those being offered by coffee shops, airports and libraries will be made a reality, thanks to the advent of 4G networks.

An aspiring pop professional who is a graduate in civil engineering and has experience and qualifications on the commercial side of engineering seeks to express his opinions and views based on his experience of the world.

Auto Salvage Yards – Money Saving

Auto Salvage yards have been around as long as cars in some form or the other. They have been saving money for motorists for many years by providing good quality parts for your vehicles.

Whether you drive a four-door luxury sedan, a streamlined speed machine or a heavy-duty SUV, repairing your vehicle when it is damaged can be expensive. Parts costs are a huge factor in many repairs.

With recessionary times around, your local Auto Wrecking Yard has never been a better place to help you save hundreds of dollars on auto repairs. You can find numerous Auto Salvage yards in your state to help you find the parts you need to fit your vehicle.

Most parts purchased at an Auto Salvage Yard average 50% to 75% less than purchasing directly from the main auto dealer. Used auto parts are also many dollars less than Spurious parts (spurious parts – non-original parts).

You can also be confident that the used auto parts you purchase will also fit perfectly in your car the first time and every time. Spurious parts are known to have issues with fitment as they are only replicas of the original parts and everybody knows a copy is never as good as the original. So the question is why compromise?

So you have your parts what next? In Short, you have two options you can go once you have gone to your local Auto Salvage Yard and have purchased the necessary used auto parts that you require.

The most common for people who buy used auto parts is to fit them themselves. Most auto D.I.Y.er’s will purchase the parts they need, strip off the old broken parts and fit the used auto parts at home. This is the most cost-effective way of repairing or changing your vehicle.

The second option is to bring the used auto parts and your vehicle to a qualified mechanic and get them to fit the parts for you. This has the advantage of significantly reducing your overall cost of repairing your car, as you generally will only be paying for the mechanic’s labor. Some people will drop their vehicle into a mechanic ask for a quote for work needed, go out and purchase the used auto parts from the quote then give them to the mechanic to fit (this is a great way of doing it and seeing the money-saving opportunities)

Eight Tips For Launching Your Real Estate Investing Career

Eight Tips for Getting Started in Real Estate Investing

Introduction

This article is just the basics of getting started in real estate investing. This is not a how-to article but an article that gives you some information about things to do to get started. Everything in this article is tools that can be applied to helping anyone get started in real estate investing. I am going to give you my eight keys to getting started. Nothing is right or wrong but reflects the point of view of the author. Laws and legal practices vary from state to state, and laws can change over time. The author does not vouch for the legality of his opinions, nor is there any intent to supply legal advice. The author strongly encourages the reader to consult with professionals and an attorney prior to entering into any real estate transaction or contract. The author is not a writer but he is a real estate investor. There will be grammar mistakes and errors, so don’t be too critical of the grammar but focus your energy on what is being said. With that said prepare yourself to think a little differently and expand your mind. Let’s get started on an amazing adventure.

The Eight Tips are as follows

1. Desire
2. Goal Setting
3. Learning What To Do
4. Attending a Real Estate Investing Seminar
5. The Billings Montana Market
6. Finding a Mentor
7. Your Real Estate Team
8. Just Do IT

1. Desire

Before we get into the bolts and nails of real estate investing in I want to talk to you about desire. If you are going to be successful at anything in life including real estate investing you have to have the desire to do it. Desire is defined as longing or craving, as for something that brings satisfaction or enjoyment. Desire stresses the strength of feeling and often implies strong intention or aim. In real estate investing if you don’t have a desire to learn and grow as a human being and really get satisfaction out of it, the real estate investing is going to be hard to do. When I go out and look at a property it brings me a lot of enjoyment. Every aspect brings me joy from talking to homeowners, figuring out how I can make a deal work, to buying the house and to finding a good homeowner or tenant for the house. Real estate investing may not be for everyone but real estate investing can offer anyone the financial freedom we all crave for. If you do not have the desire for real estate investing that is ok, it can still help you to live your dreams and help you to get where you want to go in the future.

Why is real estate investing an amazing avenue for anyone to live out all of their dreams? Let me ask you a few questions. Do you have enough money to do anything you want? Do you have everything you want? No debt? A nice house? Great Marriage? The freedom to do anything regardless of how much it costs and the time it takes? If you have all of these things then you are one of the few people in America who does. Most people may be working fifty hours a week and making just enough to pay their bills. In today’s day and age, most people are living pay check to pay check never really knowing if they will make enough to pay the bills that just keep piling up. If you cannot keep up with your monthly bills how are you going to plan for retirement or send your kids to college or have time to enjoy life. The answer to all of these questions is becoming financially free. Now it’s not going to be easy everyone will have to get off the couch and out of their comfort zone. Real estate is proven to be one of the fastest ways to get your out of the rat race of the nine to five and begin living the life you deserve to live. Everyone wants something different out of their life. Some dream of traveling the world, spending more time with family, volunteering, golfing, laying on a beach, giving back to the community, or anything that will make them happy. There are thousands of things that make people happy.

Making it in real estate takes a person who has a strong desire to change their lives for the better and think big. Anyone can become a great real estate investor. It is going to take a lot of work and can be a struggle at times but in the end it will be the most amazing feeling ever. The people that make it in real estate investing all have a few things in common. First they run their real estate investing business like any other business out there. Second they get out there and network with anyone and everyone. Some people might be like me and have a hard time talking to other people. If you are that is ok, anyone can learn how to become a people person, it just takes hard daily work. You have to push yourself past your comfort zone. The third thing is that you cannot be afraid to fail. Everyone has failed at something but the most successful people out their learn from their failures. The fourth thing is that you have to put a good team together. I will go into putting a team together in a later chapter. The concept of putting a team together is so that when you don’t know something you have team members that know what to do and can help you with questions. The can also make sure that you are not working yourself to death. You do not want to be the person doing everything in your business. Doing everything is a receipt for failure. You have to put together good people who you can trust and rely on. The fifth thing is that you need a mentor. Sixth and final is the desire to do it. No one can become successful at something if they don’t want to do it and don’t get satisfaction out of what they are doing.

2. Setting Goals

Having goals is one of the most important aspects of achieving what you want in life. You don’t want to just have your goals up in your head you want to write them down and past what you have wrote on the wall somewhere or in the bathroom mirror. You want to review your goals daily and read them out loud to yourself. This way you remind yourself everyday why you are building your business.

How should you start to write down your goals? First, off you should think big, and by big I mean HUGE. If your goals are too small you will easily achieve them and have nothing else to look forward too. You should start off by asking yourself the question if I had all the money and time in the world what would I do, what would I buy, how would I spend my time, and how would I spend my energy. Are you starting to write these down? Well, you should be. Think about what you want, spending time with family, traveling the world, the best cars, a castle, owning a small country, running for president, having the biggest real estate investing business in your area or in the country. Whatever your dreams and what you want out of your life, write it down. Some of my goals are becoming free, traveling the world, having a Ferrari, having 10 vacation homes all over the world. Right now I am just trying to get you out of your comfort zone of thinking and let your imagination run.

There are several ways to set goals. I have learned a lot of ways you can set your goals and there is no right or wrong way. The best ways that I have found to set your goals is to break them up into two categories. First your short-term goals. This should be goals from a month out to around a year. The second is your long-term goals these goals are you think big goals and what you see for your future.

For year one I like to first make a list of what I want to achieve this year and I will give you an example of how to do that. For year one you want to be very specific first you want to list what you want your income to be at the end of the year, next how much cash in the bank you want (this is money in your checking account, not assets). Next, you want to list how much you are going to give. Giving is a very important, this can be giving to charity, giving of gifts to friends and family, giving to your school or anything you can dream of. As long as what you give brings joy to others who need it more than you. Next list what bad habits you have that you want to eliminate. Whether it be quitting smoking, spending too much on junk, drinking too much, working too much, not spending enough time with family, too much TV, not exercising and many more. We all have bad habits that need to be changed in order for us to grow as human beings. Under each of these bad habits list out some steps that you can take in order to quit them. If your bad habit is being lazy and not exercising enough what can you do to change that? Well, you can get a gym membership or a home work out program. Commit yourself you following through with a plan to work out 3-5 days a week. For you to change these bad habits you have to be totally committed and follow through with a detailed plan you set for yourself. After you have your plans in place you should start listing several things you want to achieve or do in the next year. This can start a successful business, spend time with family, travel to 2-5 places and so on. Now under each of these, you should also write a detailed plan on what you need and what you need to do in order to achieve these goals. Finally, you should take all of this information you have a write on the page on what you see your life being over the next year. Doing this is a great exercise to really see what you want out of life.

Goals Year One

This is what I am going To Do This Year
Income: $500,000
Cash: $100,000
Give: $20,000

Bad Habits that will be changing:

Over Sleeping 1. Go to bed at 11 p.m. 2. Use a timer and set it to 8 hours 3. Set the timer on the other side of the room

Buying things that you don’t need: 1. Going out shopping less 2. If you have the urge to buy something think to yourself is thing item going to help me to achieve my goals of becoming financially free? 3. Tell friends what you are doing, so they can help to stop you.

What I want to Achieve:

Start a successful Real Estate Investing Business: (you should write a detailed step by step plan of everything you need in order to achieve your goal)

Travel: Where do I want to visit? 1. Gators football game (what I need to do it, money, etc)

And last your own page about what you want to achieve using words like I will and only positive words.

For long-term goals, you don’t need to be as specific right now, but you should list them and under them list a few steps or smaller goals that need to be achieved before you are able to achieve them. With the long-term goals always think big. Another good exercise for long-term goals is to make a collage of your goals. Put pictures of the house you want on it, places you want to travel, a picture of your family, a number of what income you want in or anything you can think of.

3. Learn

Knowledge builds confidence and destroys fear. If you are starting any kind of business you need to learn the ins and outs of that business. The best way I have found to learn about real estate investing is to read all about it. But once you know it you have to apply what you have learned. Learning and reading is just one step to take. There are thousands of books on the market about real estate investing and everyone has something you can learn from. You don’t just want to read real estate investing books though. You also want to fill yourself with motivational and leadership books. Every successful person that I know if a reader and they all spend at least thirty minutes a day reading something that will teach them about improving their business or helping themselves to become a better person. Some of the best books that I would recommend reading are listed below.

1. Rich Dad Poor Dad by Robert Kiyosaki (read this first and also ready everything in the rich dad poor dad series, great books to start with and will expand your mind)
2. Be a Real Estate Millionaire by Dean Graziosi
3. Flip your way to financial freedom by Preston Ely (this is an E-Book)
4. Four hour work week by Timothy Ferriss
5. The Attractor Factor
6. Short Sale Pre-foreclosure Investing by Dwan Bent-Twyford and Sharon Restrepo
7. Keys to success, by Napoleon Hill
8. Think and Grow Rich by Napoleon Hill
9. How to win friends and influence people
10. Any Book by John C. Maxwell (he has tons of amazing leadership books)
11. Getting Started in Real Estate Day Trading by Larry Goins
12. The E Myth by Michael Gerber
13. How to be a quick turn real estate millionaire by Ron Legrand
14. The Power of Full Engagement
15. The It Factor
16. Anything by Anthony Robins

There are tons more you can read but these will give you a great start. You should also read books on negotiating, sales, motivation, and biographies on American business people.

I hope this list gives you the knowledge it has given me. If you learn and apply what you have learned from these books there is no reason that you should not become very successful.

4. Attend a Real Estate Investing Seminar

Attending a Real Estate Investing Seminar can be one of the best places to learn about real estate investing from some very well known experts. There are several seminars going on all over the country every weekend. If you live in a big city it will be very easy to find one. If you live in a town like Billings Montana you might need to travel little ways to find one. Now, most of the best meeting cost money to attend them. Some range from five hundred dollars for three days and some can be up to $20,000. There are a few that I would recommend. Than Merrill is a great speaker to go hear. I have learned a ton from him. You can find his company online by Google searching him. Also, rich dad poor dad has seminars all over the country. I attended one of their seminars in Billings Montana for only $500 dollars and learned a ton from it. There is also Preston Ely, Larry Goins, and hundreds of speakers out there. If you find a great book that you really enjoyed, then just simply search for that person online and see if they are speaking somewhere or offer a seminar close to you.

Another reason I recommend going to a seminar is that they get you pumped up and motivated. I have not yet found anything else that just gets you feeling like you can do anything. When you get back from one of these seminars you will have tons of energy and knowledge. Every time I get back from one all I want to do is going out and do a deal or ten.

These seminars will also provide you with several opportunities to purchase amazing real estate investing tools, software or learning material at a fraction of the cost. Believe me when I tell you all of the low priced seminars try to sell you something. But a lot of times what they are trying to sell is some really good stuff.

Another reason to attend a seminar is to network with other investors and build relationships with them. You can meet other investors who you can partner with on a deal, sell a deal too, people who will provide you with deals and so on. You should have hundreds of business cards made up and try to give them all out. You never know how much one business card you hand out can make you.

5. Learn About the real estate market in your area

Most real estate investors start their career off my investing around where they live. This is why I do my real estate investing in Billings Montana. You can venture out when you have more experience. The reason behind this is because we feel more comfortable with the areas and know the areas better. It is also easier to get local real estate information that we need. Investing in your local market is also cheaper to start out, there are fewer travel costs, you can see what you are buying and it may give you a feeling a comfort.

First, you have to decide which part of town is the best place to invest in. This can be determined by what kind of real estate investing you choose to do. I have not gone over the types of real estate investing but some include rehabbing (fixing up and selling), wholesaling (finding deals and selling them to other investors), buying to rent, and there are a few others. These are the real estate strategies that I use for the most part. When looking at the market you need to see where other investors are buying their houses. Most of the best deals will be found in low to middle-class neighbors hoods. By low, I don’t mean drug-infested war zones, what I mean is blue collar safe neighborhoods that might have somewhat older houses and houses that are not on the higher end price side. Now you can find deals in the higher priced neighborhoods but most will be in the low to middle-income neighborhoods. When looking where others are buying ask local realtors, other investors or appraisers.

When talking with investors ask them several questions such as what neighborhoods they prefer, what type of houses they buy (3 bed 2 baths), and what they do (rehab, rent, wholesale). You should not look at other investors as competition but try and work with them.

There are different types of markets such as appreciating markets, flat markets, and deprecating markets. Appreciating markets are markets that there is not enough houses or a very high demand for houses which causes the price of houses to go up. The reason there is a high demand for housing can be because of job growth, a very appealing area, or several reasons. Flat markets are markets that have no or very little growth. This means that there is not a lot of demand; buy just enough to fill everyone’s needs. Depreciating markets are where there are a lot more houses than people to fill those house. This causes house prices to start going down. This can be because of a large employer leaving the area, a natural disaster or just overbuilding. There is an old saying buy in a bust and sell in a boom. In depreciating markets you can pick up several deals, while in appreciating the house prices are going to be much higher and harder to find great deals. The deal will still be out there you just have to know where to find them.

Learning your market is another key to becoming successful. Real estate Brokers and experts in your area can be the best source of information for you. Learn to use them to find out what kind of market you are in. If you are in Billings Montana we are in a pretty stable market. Billings Montana has not seen the ups and downs that other markets have experienced. I will have to say that I have been noticing a little bit of a downward trend but not much. Once the first time home buyer credit is over with we might see a little more decline. Every market can vary by neighborhood, so make sure you know your market well. I have seen the same houses just one mile apart selling for totally different prices.

6. Find a Mentor

Having a mentor to help you can be your biggest learning experience. Mentors can help you with any questions you may have, walk you step by step through the investing process, give you moral support, you learn from their proven system, and also network you with others in the business. Every successful real estate investor that I know says they owe a lot of their success to the mentors they have and had in their lives. I have had one of the best mentors around, my father. He is teaching me something new every day and pushing me to become successful.

When trying to find a mentor I would suggest network with the investors at your local real estate investors club meeting. There is a real estate investing club in Billings Montana that meets once a month. You can find information about real estate investing clubs in your area by searching for REA or real estate investors club then your area in Google. When you go to the meetings ask around who the biggest investors are. Then ask if you could get together with them sometime and discuss real estate investing. Ask them if they would consider working with you to get their career going. Offer your services as a bird dog. Bird dogs are people who go out find deals or leads about deals and give them to other investors. A bird dog gets from $500 to $3000 dollars depending on the deal. Make sure that you have a bird dog contract signed with the investors saying that if you find them and deal and they buy it that you get paid a certain amount of money. Being a bird dog helps you to build credibility with the investor and they are more likely to mentor you if you have something to offer them. If you would like to contact me with a question go to my web site Big Sky Property Solutions LLC.

7. Your Real Estate Team

Building an effective team can make your life as a real estate investor a lot easier. You are only one person and cannot do everything or be an expert in every aspect of real estate investing. Going on a project alone can become one of the most frustrating experiences you will ever encounter. Many people have become frustrated and quite real estate investing because they try and juggle too many things. Make sure that when putting a team together you provide everyone with win-win opportunities. When someone knows that working with you is going to make them money they will put you as a higher priority on their list. But you have to prove it to them that you are the real deal.
People to have on your real estate investing team include

o Real Estate Agents ( find the top agent for volume of sales in your area and other agents who work with real estate investors)
o Real Estate Appraisers (find an appraiser that has done a few hundred jobs or more and make sure they carry errors and omissions insurance)
o Real estate contractors (good rehab crews that can get the job done in a timely manner, have 3-5 crews and on every deal get 3 estimates done. Ask for referrals from them and make sure they are licensed)
o Real estate attorneys (every investor needs an attorney, they can help to protect your assets, make sure you find one that works for investors)
o A property management company (can manage your properties and will give you leads on property they are managing that might come up for sale)
o Title companies (take care of the legal process and make sure there are no liens against the property you are buying, choose one that does hundreds of closings a year)
o Home inspectors(charge about $400 but will give you a great inspection and could save you thousands in the long run)
o And your Mentor

All of these people can help you in various aspects of real estate investing. You might find that there are a couple others that are keys to your business but this is just a list of a few.

8. Just Do it

There is no better phrase out there then JUST DO IT! Once you have learned all you can network with investors in Billings and learned real estate investing strategies there is nothing left to do but get your feet wet. There is no better learning tool out there than doing a deal. Once you have completed that first deal you will know what to expect and find out that it is not as hard as you thought it would be. You will have learned what you did right and what was frustrating. Take that experience and ask yourself what would have made it run smoother. Apply that to your next deal. Then the next deal will be easier and it keeps getting easier as you go. I will say that every deal is different from the last but that what makes this business fun. You have to be creative and always keep on learning and growing with your business.

The average person never uses what they learn. Don’t be average apply your knowledge. When going out and doing your first deal act like you have done 1000’s of deals. The fastest way to change a habit is to act like it is true.

Five keys to success
1. Specialized Knowledge
2. Tools of a professional
3. Have the mindset of a winner
4. Mentors
5. Money and the knowledge of leveraging it (you don’t have to have millions to invest in real estate, there are many strategies out there to use other people’s money or no money at all)

This is going to conclude this article about getting started in real estate investing. I hope this gave you some ideas about how you can get started. I didn’t give you any strategies at this point but look for some in upcoming articles. These are simple steps you can use to get started. If you read this article thank you for listening.

The Pomegranate Fruit For Better Heart And Eye Health

If you are a fan of great tasting fruits that are good for you that eliminate the complaint that a lot of people have that foods that are good for you don’t taste good, then you should add the Pomegranate fruit to your diet. This fruit is rich in vitamins, minerals, and antioxidants that provide you with a variety of health benefits ranging from better heart health, good digestive health to better immunity and prostate health as well. However, did you know that the Pomegranate fruit is also good for your heart and your eyes as well? Therefore, here is some information as to the reasons why you should include the Pomegranate fruit in your diet:

Eye Health: This fruit is rich in Vitamins A, B and C and E. Vitamin A is known as the Vitamin that supports vision health. This is true from the point of view of the fact that a deficiency in this vitamin can cause night blindness. Therefore, if you are concerned about doing the things that you need to do to improve your night vision this nutrient can help you to achieve that objective. In scientific studies research has shown that Vitamin B consumption has reduced the risks for age-related vision disorders such as Macular Degeneration and cataracts.

Heart Health: This fruit is rich in Potassium. Potassium has been shown in scientific research studies to improve heart health. Due to the fact that the body’s circulation system is connective consuming an adequate amount of Potassium in your diet can increase circulation to the heart. An increase in circulation to this organ also benefits your eyes. This is due to the fact that a healthy heart equals a properly working visual system. Also, Vitamin C supports both heart health and eye health as well. This is due to the fact that it lowers blood pressure and also supports eye health by maintaining healthy pressure levels in the eyes thereby reducing the risks for the age-related eye disease Glaucoma.

Prostate Health: A research study measured the rates of Increasing PSA levels in men and the effects that drinking Pomegranate Juice would have on this aspect of their prostate health. This study revealed that drinking Pomegranate Juice significantly slowed the rate of increasing PSA levels in men with unhealthy levels of PSA in their system as well as those who were suffering from prostate cancer. This is good news for you if you have concerns about your prostate health as there is a connection between a reduction in PSA levels and a reduced risk for prostate cancer and problems associated with the enlargement of the Prostate.

The Pomegranate fruit is a healthy fruit that provides a series of health benefits. Some of these include better heart health, better digestive health, and better eye health as well. There is a connection between heart health and eye health. The nutrients contained in the Pomegranate fruit consists of vitamins A, B, C, and E and it also contains Potassium; nutrients that work together collectively to improve the health of both the eyes and the heart as well. By consuming this fruit you can do the things that you need to do to increase your heart health and eye health at the same time.