Ethical Real Estate Investing in 2008 – Profitable, While Helping Others in Hard Times

Ethical investing is a bit of a buzz word. Get ethical and make money. However when you look behind the buzz there are powerful reasons why you should consider ethical real estate investing in 2008 as one of the best investments you can own. Because ethical real estate investing is still investing, and you need to make a good profit. Ethical investing should be high profit investing so that everyone, including the investor, wins.

Real estate investing in 2008? Haven’t you got to be kidding I hear you ask? Real estate investing in 2008 is dead. Prices are crumbling and real estate can’t be given away. There’s Florida McMansions on eBay for starting bids of $1.

Don’t let that put you off, real estate investing in 2008 is alive and well, if you do it right. Note I said that have to do it right. If you don’t then you can get burned.

Can you do it right on your own? Yes, if you’re really good at it. However there’s a far better way to do it through a publicly traded US company run by one of Americas most respected businessmen, investing in socially conscious real estate.

Socially conscious real estate investing? What’s that?

I’d like to show you one of the best ethical real estate investments that you can own in these hard times.

It’s ethical real estate investing that offers benefits to other people as well as the investor, specifically the people who live in the investment properties and the community.

Let me explain further. One of the best real estate investment opportunities is investing in average homes for average Americans in who live in average suburbs in those cities that go together to make up our country. Homes with values of $100,000 or less, that millions of people live in right now. Homes that are STILL in demand even in the middle of the credit crunch, because – people still need to live in them.

Imagine a company that selects the most promising suburbs for investments, buys large numbers of homes in those suburbs from government our councils at well below market, invests in those suburbs by building social resources like parks and playgrounds and other improvements to improve the overall living standards of those who live there, and refurbishes the houses they buy to a high standard.

All this increases the attractiveness of the suburb to live in, and at the same time increases the value of the homes in those suburbs.

They then sell those homes to investors at well below market value, organize the loan, provide the tenant, guarantee the repayments of 2 years, and the investors profit.

And the local community profits big time too, because of the renaissance created by the newly refurbished homes and community facilities, so everyone wants to live there.

It’s socially conscious real estate investing on steroids. The investor profits, the local residents benefit, and the tenants of the properties benefit.

It’s real and it’s available right now for ordinary investors, or IRA or 401k investors, from a respected US public company.

Want to know more about profitable, ethical Real Estate Investing [] in difficult times? Visit Peter’s Website Win-Win Real Estate Investments and find out more about no money down real estate investing at []

Article Source:


What Real Estate Investors Can Learn About Property Management, REOs, and Demographics

In this article, we want to consider three aspects connected with real estate investing that prudent real estate investors should be aware of and understand.

Property Management

How involved will you become in managing your investment property?

Many people make the mistake of not investing in real estate because they can’t stomach property management issues. It’s true. Some people do not engage in real estate investing because the idea of having to deal with tenants and property repairs seems too annoying.

The good news for real estate investors, however, is that there are options that would allow real estate investors to become insulated from the day-to-day operations of a rental property. Here’s the key: Simply decide how involved you want to become in its operation before venturing into your real estate investment. Consider your options:

a) You can handle everything yourself. You can deal with the tenants and repairs without relying upon others.

b) You can hire a resident manager who lives in the building and takes care of all the minor, day-to-day problems that may arise. You are still in charge of renting apartments, collecting rents and paying bills.

c) You can employ a professional property management company to handle the renting, bookkeeping, and management end of the property operation. You are then left with a management-free investment. This, of course, costs money and reduces your overall return but, depending on your individual situation, you can be as active or inactive in the day-to-day operation of your investment as you wish.

Here’s the bottom line: Do not pass up real estate investing because you are too busy to take care of it yourself. There are property management options. Even after paying the cost of a full management team, your rewards from your real estate investment will still far exceed any of your other investments.

How to Find Lender REOs

In desperate times, REO lenders often turn to mass marketing and highly advertised public auctions to unload their REOs, though no lender likes to publicize the fact that it’s “throwing down-on-their-luck families out of their homes.”

Given the times we’re now in, you might be considering the purchase of an REO (Real Estate Owned) property and are not sure how to find them. You can find REOs in two ways:

a) Follow Up on Foreclosure Sales – If you attend foreclosure auctions, make note of the lenders who cast a top bid for a property in which you’re interested. Afterward, contact the lender and express your interest in purchasing the REO property. Even if that particular property doesn’t work out, you at least open the door of communication with the lender and might be able to work out a deal on another REO.

b) Locate Specialty Realtors – Many mortgage lenders often do not sell directly to REO investors because, as mentioned, they don’t like the unfavorable publicity, and they want to promote good relations with Realtors.

As one part of your efforts to find REOs, cultivate relationships with Realtors who specialize in this market. In most cities, you can easily find REO specialists by looking through newspaper classified real estate ads. Once you identify several advertised foreclosure specialists, give each one a call and learn their backgrounds. For example, discover whether he or she only dabbles in the field of REOs and foreclosures, or do make this field their full-time business. The more skilled and experienced the real estate agent is with REO properties and foreclosures in general, the better.

Real estate investors must remain proactive in this real estate market. There are good deals to be made, and interest rates are favorable. Be cautious; just don’t be lazy. Get out and beat the bushes so you can make a couple of good real estate investments while you can.

A Word about Demographics

The term demographics refers to population characteristics such as the income levels, occupations, education, ages, household size, household composition, and so on. This demographic data can be obtained from the U.S. Bureau of Census and commercial market research firms.

On a local level, however, and even more important than current neighborhood demographics, real estate investors must learn who is moving into the area. For example, a good sign that there may be appreciation potential is when a historically lower-income area starts attracting middle or upper-middle-income younger residents, or when many residents in the area are moving from welfare to jobs.

How do you learn about an area?

First, get out of your car and talk with residents in the neighborhood. Talk with real estate agents, mortgage loan officers, retail merchants, schoolteachers, and others who might have firsthand knowledge about the area. Ask questions such as, whether they see the area changing, whether these changes are positive or negative, and what they like least and like most about the neighborhood. Then evaluate what you see and hear and form your own conclusions. If you researched the area correctly, you should be able to form an opinion about the area that helps you decide whether the people moving into the neighborhood are likely to push up home prices and rental rates, or causing it to deteriorate.

James Kobzeff is the developer of ProAPOD – superior real estate investment software since 2000. Want to start working with rental property today? Discover how to create cash flow, rate of return, and profitability analysis presentations in minutes! Go to =>

Article Source:


5 Ways to Sell Your Real Estate Listing Properties Without Spending a Dime

Selling does not always mean making a sale. You sometimes have to sell yourself, your quality, your brand, or your trust. The way you treat an individual can go a long way. Embedding your company logo into the heads of your clients will grow your business. Having a honest and trustworthy presence will allow clients to do business with you. There are many ways to sell real estate properties which don’t involve making a direct sale.

The below tips are common ways to sell real estate properties without making a direct sale, these are the actions which commonly lead to a sale. Let’s go over the ways to sell real estate properties without making a direct sale:

  1. Personality. Personality is a great business tool. It makes you personable, approachable, and the right personality can charm anyone. Unfortunately, personality is rarely a characteristic which a person can develop or imitate, it is something a person is born with. However, most people have a personality, they just need a little help getting it to shine through. I have some tips for getting your personality to shine through.
    • Practice makes perfect, so attend social events and conferences to network with others. Continue this routinely until social atmospheres become a comfort zone for you
    • Always, smile inside. If you smile inside then it will appear you are always smiling outside. Think happy thoughts!
    • When speaking face to face look a person in the eyes, without it being an uncomfortable stare. Stand still if you are one on one with someone, but if you are in a full room or crowded conference center then use slide presentations and move from one side of the room to the other while projecting your voice and connecting with all sides of the room.
    • When talking over the phone, talk clear and pronounce your words. Take brief pauses and breathes between sentences and speak in a calm tone.
    • Don’t always be about real estate, unloosen your tie sometimes and talk about yourself, your hobbies, and your interest – show your personality.
    • Start a blog or newsletter which allows you to express your personality while promoting your real estate business
  2. Use Signatures. Placing your real estate property listing in your email signature can generate traffic for your listing. You should also place your real estate property listing in the signature of online forums and discussion boards, thus increasing the visibility of your real estate listing.
  3. Free Classifieds & Online Directories. There are an unlimited amount of free classified services and online directories. The most popular online classified service is Having a real estate property listing in Craigslist is known to yield results and deliver high traffic.
  4. Social Media & Bookmarking Networks. Social media and bookmarking networks are increasingly popular. These networks can deliver high levels of traffic, especially if you become popular and sociable within these type of networks. Submit your real estate listing to these networks. It is most beneficial to find social networks which are edicated specifically to real estate, such as Active Rain Real Estate Networks.
  5. Organic Referrals. Referrals are very important, because this comes as a trusted body of resource. Referrals increase the chances of a sale. If a homeowner has done business with you in the past and you have a new listing for sale, then you should send an email to your past clients to inform them of your new listing and to please refer you to any of their family or friends that may be in the market for a new home. Most homeowners no someone in the market for a new home and are more than happy to recommend a real estate agent who they have had a pleasant experience with.

The above are great places to start for promoting your real estate listings without ever spending a dime. Penny pinching and only free advertising should never be your core business model, but in many cases it is unavoidable and every business goes through times when they need to save, so using the tips above should help you get the most out of your free marketing campaign.

Monique Ziltas is a content producer and consultant in association with Villas at Heath Brook, an Ocala real estate company. Villas at Heath Brook has spacious floorplans which will satisfy any size family. These luxury Florida Townhomes [] are conveniently situated in Ocala, Florida and is home of equestrian real estate []. Villas at Heath Brook … where living comes to life!

Article Source:


11 Things You Want in Real Estate Investment Software

Real estate investment software is one of the best tools real estate investors and professionals can use to analyze and evaluate multifamily property.

Here’s why.

Good real estate investment software provides the forms, makes the computations, and creates the reports required for a real estate analysis. Any user (experienced or not) can create professional-quality rental property reports for a myriad of reasons, such as decision-making, or as property presentations to buyers, sellers, colleagues, partners, or to lenders. All within minutes.

Moreover, real estate investing is all about the numbers. Therefore, real estate investors who are considering real estate investment opportunities look for and make their investment decisions based upon the bottom line. So real estate investment software becomes an essential tool for real estate analysis because it provides quick and concise cash flow, rate of return, and property valuation numbers.

Though most real estate analysts prefer to buy real estate investment software, it should be pointed out, though, that you do have other options.

You can, for instance, scratch out the numbers with a pad and pencil, or perhaps make a hasty rule-of-thumb calculation off the top of your head. But it should be obvious that these approaches, although maybe useful in limited cases, do not provide the best solution. They clearly do not provide the deep property analysis required to make a smart investment decision, nor do they include the data likely to sway the opinion of any other person, entity, or institution like a partner or lender.

You can also use Excel and develop your own spreadsheet. The problem here is time. It takes countless hours to embed the computations properly, and to format the forms and reports, even if you’re familiar with Excel. If you’re not familiar with Excel, then triple the time.

Before you pursue those options, though, be mindful that successful real estate professionals do not waste time or effort reinventing the wheel. They prefer to invest in real estate software so they can spend their time generating moneymaking deals.

But I digress. So let’s get back on topic and look at what you should expect in good real estate investment software.

1. Easy to learn and use – You want simply to enter the values and have the software do the rest. You never want to look and wonder, “What do I do next?” To check, examine the website. Remember that the same company praising their software publishes the website. If the website is not well organized and informative, or if its lack-luster and confusing, the software might not be what you want.

2. Unlimited units – You want the ability to analyze one unit or a thousand units, or even more units if necessary.

3. Loan amortization – You want ample control over the financing assumptions. For example, you want the ability to enter multiple loans, the flexibility to enter the loan either as a loan assumption or as a new loan, and then have it computed as either a fixed or interest-only rate.

4. Crucial rates of return – You want the real estate investment software to calculate cash flow returns and loan ratios such as cap rate, gross rent multiplier, cash on cash, operating expense ratio, net operating income, debt coverage ratio, loan-to-value ratio, break-even ratio, and profitability index.

5. Tax shelter computations – You want the ability to determine cash flow after tax as well as your tax benefit or loss. To do this, the real estate investment software must include computations for tax shelter elements such as cost recovery and mortgage interest.

6. Time value of money – You want the software to create computations involving the time value of money such as internal rate of return and net present value. Why? Because you will discover that in real estate investing, the timing of cash receipts can be as important as the amount.

7. Concise, top-quality reports – You want printable reports that are easy to read and have eye-catching appeal. Remember, you might be trying to influence the opinion of a buyer, seller, colleague, or lender regarding this property, and they might have to make their decision based on the reports even before seeing the property.

8. Upgradeable versions – You want the ability to “upgrade” from a less-than-platinum-grade-version to a platinum-grade-version without having to re-purchase the platinum-grade version at full retail price.

9. Technical support – You want to have open access to tech support in the event of a question or problem. Preferably, email and telephone support . Exercise caution if the company or developer appears overly allusive–there is nothing more frustrating than encountering a problem and then not being able to talk to the software developer about it.

10. Affordability – You should be able to find very good real estate investment software on the web for about $300. Which is very affordable given the fact that you will be able to start working with income-producing property immediately.

11. Customer satisfaction – You should examine the names, professions, and titles of customers who have submitted a testimonial. If you can relate, then you may have a winner.

There are other things you want real estate investment software to provide such as seamless printing, picture function, branding and name-rider integration, email capability, help file, Windows compatibility, and so on. The point is not to be hasty. Spend time on each website looking around to be sure you get the essentials and perhaps a little extra at the best price possible.

James Kobzeff developed ProAPOD to make real estate investment software easy and affordable for real estate professionals and investors. Discover how you can create cash flow analysis and rate of return presentations in minutes! Go to =>

Article Source:


How Anyone Can Own Rental Real Estate in an IRA

Are you looking to add a little “cushion” to fall back on when you retire? Wondering how you can make up for all the money you lost from the stock market crash? If you didn’t know already, you can own rental real estate in your IRA account and add tax-free profits to your retirement bottom line. However, there are some pros and cons to doing this, which we will go over in this article along with other ways to profit using your IRA.

When you purchase real estate in an IRA account, you must find the right custodian that will hold your funds and meet all your needs. You must also choose to self direct your IRA, which gives you full control over what you invest your funds in. With a self directed IRA, you get to choose from a wide array of investments, but let’s keep this article focused on real estate.

You should also be aware of a few rules that go along with owning real estate in an IRA. You cannot take part in a “self serving” deal- meaning you cannot buy a piece of real estate you plan to live in or vacation at yourself. You also cannot allow any of your close family members to live on the property. To be safe, you should not involve any of your family members with any of the real estate in your IRA.

This is why it’s so important to find a good self directed IRA custodian who can educate you on this kind of stuff. There are a lot to choose from, so make sure you find one that has plenty of knowledge and experience.

So, as you can probably imagine, there are some significant costs you must incur when you own rental real estate in your IRA- all the taxes and fees that go along with owning real estate, repair and renovation costs, realtor costs, etc. Sometimes, these costs can out way the profits you plan to make. To prevent this from happening, make sure you do not go at investing in real estate in an IRA alone.

You can also purchase real estate in an IRA and quickly “flip” it for a profit. The process is very similar to the one you follow when you own rental real estate in your IRA, but instead of collecting rent from tenants, you find a qualified buyer to purchase the house from you. And just like when you own rental real estate in your IRA, you should not go at “flipping” real estate alone.


Find a well-established company that can hold your hand throughout this whole process. This way, you can utilize the knowledge and experience of a company that knows how to invest in real estate in an IRA the right way.

I know of a company like this- one that creates generous returns for investors by involving them in a socially conscious kind of investing. With this kind of company, you can make a generous return on your investment while helping to stimulate neglected communities and create quality homes for hard-working middle class families to settle down in.

What if you could be involved with an experienced and well-connected company that provided you with a “hands-off” approach to owning real estate in an IRA? What if this company would connect you with the right kind of custodian, find you the right deals to take advantage of, make all the necessary repairs and renovations, and even find you tenants or qualified buyers for your investment properties?

Would this be something that would interest you? IT SHOULD INTEREST YOU!

To learn more about a company that can provide you with a “hands-off” approach to investing in real estate in an IRA, I invite you to check out []

Owning real estate in an IRA [] is a great way to add to your retirement account and provide you with a safe and enjoyable retirement. Find out how easy IRA Real Estate Investing is and how you can easily double, or even triple the return you’re getting with your current retirement vehicle.

Article Source:


Massage in Bucharest

Recognize it! You’re busy! And so must be! That’s what life is like! But you want more than that, you want to do more for yourself and massage can help. Because massage makes more than a simple relaxation of the mind and body. It keeps your body in shape and gives you enough energy to make you enjoy a longer life better than you do it today.

Massage releases stress. At the moment, stress is a universal evil. Every time you are late, every time you avoid a car in traffic, every time you have trouble working, stress is doing his job. Each time adrenaline increases heart rate and cortisone levels and organs respond to the measure. You will be in a state of nerves and constant agitation.
When there is no release of stress, serious problems such as an upset stomach, hypertension, sleep disturbances, chest pain, or existing illness may worsen.

Some of the changes that may occur are: Anxiety, lack of concentration, depression, permanent fatigue, muscle or bone pain, sexual dysfunction, excessive sleep or insomnia

All these stress-related problems can be diminished and some can be totally eliminated by massage. The researchers concluded that a massage session can lower heart rate and blood pressure, relax your muscles and increase endorphin production. The massage also releases serotonin and dopamine and the result is a general relaxation, both physical and mental.
Our body care must be at the top of the priorities.
By adding the massage to your routine you will look much better and you will be much healthier and relaxed. Massage can improve your vitality and mood. Massage can prepare for a long and beautiful life.

Our masseuses personalize each massage session according to the needs of the individual.
Our massage parlors offer a variety of relaxation styles and techniques to help you. Apart from relaxing, massage can be a powerful ally in reducing pain, increasing energy levels, improving mental and physical performance

We recommend : HotAngels , VipZone , JadePalace , ThaiPassion

After a massage session, you will see how the mental prospects are enriched, the body allows easier handling, better pressure resistance, relaxation and mental alertness, calm and creative thinking.
When you have the impression or force yourself to stay straight, your body is not actually aligned properly. Not only does the posture look bad, but it forces some of the muscles to go muddy all day, while others become weaker. After a long time, the incorrect position may cause other drops. For example, internal organs press on what affects digestion, breathing ability is also diminished, which means that much less blood and oxygen reaches the brain and hence all sorts of other complications.

Massage allows you to return your body to the track. Allowing the body to make healthy and accurate movements is one of the greatest benefits of massage. Massage can relax and restore muscles injured by bad posture, allowing the body to position itself in a natural, painless position.
Apart from posture, there is also anxiety. One of the signs of anxiety and stress can also be heavy breathing. When the body begins to breathe too little and deeply instead of breathing at a natural rithm, it is impossible for one to relax. One reason may also be that the chest muscles and the abdomen get tightened and the air gets harder.

Massage plays an important role in learning the body how to relax and how to improve breathing. Respiratory problems such as allergies, sinuses, asthma or bronchitis are a group of conditions that can benefit from massage. In fact, massage can have a positive impact on respiratory function.

Many of the muscles in the front and back of the upper part of the body are breathing accessory. When these muscles are tight and shorten they can block normal breathing and interrupt effective breathing natural rithm. Massage techniques for stretching and relaxing these muscles improves breathing function and breathability. Massage leads to an opening of the chest as well as structural alignment and nerve dilatation that are required for optimal pulmonary function. A good way to treat respiratory problems with massage is the taping made in Swedish massage. When done on the back, along with vibrations, it can detach the mucus from the lungs and can clean the airways for better later function.

Massage not only relaxes muscles, but helps people become aware of daily stress levels. Once the body recognizes what really means relaxation, the mind can rest easily relax before the stress becomes cornice and harmful. This will help you enjoy a balanced life. Massage controls breathing, allows the mind to re-create relaxation before the occurrence of chronic and harmful stress and increases the level of energy.