Financial Tips | Money and Kids

Cashspeak! August 2007 - CASHSPEAK
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8/28/07

Dependability is an important asset to have in the business world. There are a number of things you can do to establish a reputation as a dependable businessperson.

First, always be on time. Being punctual is great a great way to show clients that you care about their situation and your business relationship with them. By showing up late, you portray the “I had better things to do” attitude. When a client thinks this, he/she will less likely depend on you and thus, may go to a competitor for their business needs.

Second, always meet your deadlines. This is very important. If something is due by a certain date, make sure that you have completed that project by that time. Showing an ability to successful accomplish time sensitive work shows that you are dependable. Additionally, if you know that you cannot meet the deadline, notify your client as soon as possible so you can solve the problem. The worst thing you can do is lie to yourself when you know that there is no way you can meet a specific deadline. Be honest with yourself and your clients, and you will be able to solve any potential problems before they arise.

Third, establish a reputation of being dependable. Be known as the person “that people can depend on in a crunch.” How can you achieve this kind of reputation? You can achieve this kind of reputation by actually being the person that helps your clients out when they are in a tough situation. Clients like to know that there is somebody there to back them up. Be that person, and your reputation will flourish.

Last, always remember that a bad reputation is easier to get and harder to get rid of than a good reputation. Always be upfront and honest with your clients. You do not want to develop a bad reputation during your career. Unlike Hollywood, negative press can and will hurt your career.


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I have advocating using the Internet for a wide variety of things. Now the question arises; does online business networking work? You tell me. Thousand of new websites are being created on the Internet each and every day. It seems that every major company has at least one blog. Bloggers are making money hand over fist and are not even selling a product!

Is online business networking the most effective way to market a business? This question depends on many factors. First, like with most things, the amount of money you are willing to spend, will determine, among other things, the amount and quality of exposure you, your product, and/or your website or blog are going to get. However, the great thing about the Internet is that you are going to get “more bang for your buck.” Think about it like this; if you spent $100 to go to a networking event, you might meet a couple hundred people, of which only about twenty or thirty will actually produce any business for you (in exchange for you producing business for them). On the other hand, if you go on a social networking website (the larger free sites include MySpace and FaceBook, while there are paid sites that charge a small monthly fee but produce contacts specific to your business) you will be in contact with literally millions of people! So, common sense would tell you that free contact with millions is better than paid contact with hundreds.

However, something is to be said with face-to-face networking. It is a very valuable tool. People cannot really grasp your personality strengths in an e-mail. This is the disadvantage to online networking. However, if you are not the best schmoozer, online networking will probably be your best bet.

Take advantage of the free networking, but do not disregard the in-person networking. Remember, you get more bang for your buck with online networking, put you lose the advantage of presenting your personality strengths. Weigh the pros and the cons against your situation and use the two systems accordingly to help maximize your business networking opportunities.


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8/27/07

Let us assume that you already have received your brand new business cards. Chances are you spent money to get them. Why then would you waste that money by ineffectively distributing business cards?

Before we begin, you will want to make sure that your business card contains your full name, your company name, you position/occupation in the company, and any and all contact information (including your company address, office phone number, cellular phone number, fax machine number, and e-mail address). You might want to refrain from giving your home phone number unless you run a home based business. If you have a beeper, give this number also. The point is that you want to make it very easy for your client to contact you whenever he/she needs to, during working hours.

Additionally, you want to keep your business card clean-looking and to the point. The point of a business card is to give some very brief information about your position and contact numbers. Now is not the time to present your entire life story. I have seen some people put their company mission statement, product lines, company motto, etc, on their business cards. I think this is overkill. At most, I would include (if relevant) a company logo and any education or experience you have that would make you more credible. This does not mean that you place your resume on your card; this means that you put the appropriate educational distinctions after your name (for example, M.B.A., M.E., B.A, B.S., J.D., M.D. Broker, Broker-Salesperson, Salesperson, etc) and/or a quick one-liner about your experience (for example, “helping people acquire wealth for over ten years”).

First and most importantly, ALWAYS have some of your business cards on you. Having anywhere between 10 to 15 business cards with you at any given time would be ideal. Many times people will ask for a business card and you may not have one to give. This is a lost opportunity! If you just give the potential contact a phone number, chances are, he/she is going to forget what and who the phone number is for. However, if a business card was given, there can be no mistake as to who the number belongs.

Second, put a stack of business cards on your desk. When you meet potential clients, it is nice and beneficial to give them a card. This way, if that person wants to recommend you to another, they will have a business card to give to that person. Additionally, your client will have a means of information should they need to contact you for any reason.

What if you do not have an office where clients come to meet you? What if you run a home based business? This problem is easily solved. When you go and meet the client, give them a card attached to any presentation, contract, agreement, and/or document that pertains to the meeting. (The preceding sentence also applies to people that have a traditional office where clients come to meet. Just make sure that you do not drown your clients with business cards. One or two is fine. Do not attach a business card to every document you produce for them).

What if you never meet the clients with who you do business? In this case, some sort of communication has to take place. How else would you two have gotten into contact? In this case, it is most likely that e-mail is used and, therefore, you can put business card-like information beneath your signature line. It has the same effect as a traditional business card and better yet, it is free!

Third, networking events are a great place to exchange business cards with others. Just make sure you do not blindly throw your cards at people without making a true contact. Handing cards to people you never talk to are not going to help your cause.

Last, place your business cards in local shops that allow you to do so. Many local coffee shops, juices bars, restaurants, pubs, bars, and “mom and pop” stores allow people to place their business cards on a bulletin board and/or on the restaurant tables under a piece of glass which serves as the table “cloth.” This is a good way to create ties with the local small businesses and with the local community. A word a caution; this is probably going to be the least effective method for generating business. Many people do not go into a coffee shop looking for a anything other than a cup of coffee, therefore, do not expect much business to come directly from this method. That being said, if a person does become your client from one of your cards placed in local businesses, and that client ends up loving you, that little card that stays pinned up at those shops, probably indefinitely, will generate much positive word of mouth advertising. This in turn creates lots of business for you.


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8/23/07

Self-esteem is important no matter the avenue of life involved. If you do not have self-esteem about general aspects of your life, possessing self-esteem in the business world is not important. You first have to possess self-esteem generally if you want the same to apply in a business setting.

Let us assume that you possess much self-esteem and that you are an outgoing person. Both of these characteristic traits will be greatly beneficial to you. However, it is easy to get discouraged if you are not careful. You have to have “thick skin” in the business world if you want to achieve greatness.

Many people advocate the “dog eat dog” ideal of business. Competition is going to be rampant during your entrepreneurial journey, however, how you deal with the competition or how it affects your self-esteem is going to determine whether you will survive as an entrepreneur.

Rolling with the punches is part of this business. I am not advocating that you not be competitive. Competitiveness is an essential element, however, when the competitive streak leads to unethical tactics or the untruthful damaging of a personal reputation, you need to step back and evaluate your actions. The truth is, these actions may happen to you. How you deal with such an event (by means of your self-esteem) will be pivotal to your success.

First and foremost, you have to stay calm. This can be easier said than done when faced with a situation as described above, however, maintaining your calm will help you think rationally. Rational thinking will help prevent your doing some action that you will later regret.

Second, fix the problem. If you have received negative feedback or are experiencing confrontational problems from co-workers or other similarly situated people, fixing the problem can be your best bet. This will require talking to the culprit. Do not confront because this could cause an unnecessary tension. Instead, explain the problem to the other and see if you two can come to an amicable solution.

Last, assess how you handled the situation. Your self-esteem about your abilities runs simultaneous with your abilities themselves. Learn to control your environment, and your self-esteem and you will do fine on your entrepreneurial journey.


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If you have found your way to this blog, then you are interested in pursing some type of career path as an entrepreneur. I am going to let you in on a little secret, networking is going to be one of the most important keys to your success.

I have written articles in the past regarding the importance of networking, and nothing has changed since that time. Why then am I writing another article on the subject? I am writing another article because networking is that important.

The whole idea behind entrepreneurialism is to create wealth were ordinary people cannot. Later in your career, when you have your own company and your own financing, you may be able to complete a project with most of your own resources. However, even then you will need the help of others. Until that time, you have to build your reputation and business contacts. This is achieved through, survey says, “networking!”

Networking is defined as “a supportive system of sharing information and services among individuals and groups having a common interest.” In case this definition is too formal for you, I think of networking as a way of getting my name “out there.” Networking is a great way to meet likeminded individuals that can help each other achieve success through the exchange of certain assets and skills.

Now that you have a basic understanding of what networking is, you now need to know how to network. First thing first, define your purpose for networking. Are you trying to find support on a specific project or are you generally attempting to acquire contacts? Once you have defined your purpose for networking, you will be able to effectively focus your networking efforts.

Many cities have events were aspiring entrepreneurs can meet and greet. These events are free to attend and can create many wonderful contacts that could help you now or in the future. Additionally, many cities have organizations or clubs that are specifically formed by aspiring entrepreneurs for aspiring entrepreneurs. Search the terms “Entrepreneur Organizations” in your favorite search engine to acquire a starting point for your discovery.

Also, be aware of what your local college or colleges are doing. Many times it will hold conferences, seminars, or the like that is open to the public. Be aware of these events as they can be a great place to begin spreading your reputation.

These are a couple of simple ideas about where you can begin your entrepreneur networking journey. Look around, be creative, and you should be able to find other networking opportunities.


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8/18/07

No matter your field of business, your reputation is a very important attribute to maintain and to market. Becoming credible or reputable in your particular field will take hard work and discipline. With some discipline and creative marketing, you should be able to develop a powerful reputation that will bring a lot of business your way.

First and foremost, you have to be honest! Honesty in business will speak volumes about your character. If you can be trusted in and with a business transaction, word-of-mouth advertising will become your best friend. Referrals will start pouring in and making money will become second nature. If you “tell it as it is” (even if the truth is something the other parties do not want to hear) your clients, business partners, and/or customers will respect you for that.

Second, you have to know when to play “hardball.” Negotiating a contract (or any other item) can be a nasty, time consuming monster. You always want to get the best deal for your client, and this can sometimes mean that you and the other party may get into a heated debate. These can be avoided with some calming conversations, however, I can almost guarantee that this situation will happen at least once in your business career. If you represent your client to the best of your ability (whether in real estate or some other business) your client will know that you are looking out for his/her interests. The client will pay you back two fold: first, you will be paid your rate (whether commission or hourly) and second, you will receive referrals from that client.

Third, do not nickel and dime your clients. Whether you work for commission or an hourly fee, your clients are going to scrutinize every item on their final bill. If a client disputes a legitimate, significant charge you probably should not give in to their dispute. What is legitimate and significant? That decision is yours to make. On the other hand, you do not want to argue over something small if it prevents the large from being paid. Keep things in perspective and decide where you are flexible on billing arrangements.

Last, you have to know when to cut your losses. Not every client you meet or do business with is going to be all “roses and sunshine.” You are going to meet some clients you cannot stand, are not highly intelligent, and/or never listen to a word you say, which translates into you having to constantly clean up his/her mess. Sometimes you have to tell a client “no.” They might not like you in the short term, but when they discover that your decision was in their best interest (assuming your decision was in their best interest) they will develop a greater respect for you.


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8/16/07

Have you ever heard the saying, “If it was easy, everybody would do it”? Well, this saying holds true not only with entrepreneurialism but also with almost every aspect of your life. How you react to, and deal with, the challenges in your life is going to determine whether or not you are cut out to pursue entrepreneurialism.

There are only two ways to react to challenges; you can either defeat the challenge or succumb to it. I know what you all are thinking, “I always defeat challenges. Entrepreneurialism is for me. Nothing can stand in my way.” Although this may be true to a point, you are probably not thinking large enough when defining “challenges.”

The challenges that you may have to overcome in order to pursue entrepreneurialism are not restricted to mere business challenges. Do not get me wrong, you will definitely face business challenges during your entrepreneurial career, however, I will bet that the challenges you face in business pale in comparison to the challenges you will face in life.

Let us look at a hypothetical: Let us assume that you are a successful entrepreneur. There is no business problem you cannot solve nor is there any business challenge you cannot defeat. Everything is great. Suddenly, a loved one dies tragically. How do you react? If you think that this personal event is unrelated to your ability to conduct your business, you are sorely mistaken. I know that the death of a loved one can have a serious effect on an individual. I am twenty-five years old and have experienced my fair share of death, so I know the effect it can have on a person both physically and mentally. The concern is not how you deal with the situation when a tragedy occurs, it is how you deal with your situation once you have had time to grieve about such a tragedy.

Of course the life challenge does not have to be a death. The challenges can include, but are not limited to, divorce, health problems, bankruptcy or financial difficulty, an unplanned pregnancy, or legal problems. These are the situations that are going to test your resolve and tax your ability to survive, revive, and persevere.

Back to the main question, how do you react to challenges? Are you able to bounce back after a challenge presents itself or are susceptible to defeat? There is a great quote from the movie Rocky Balboa. The quote states, “The world ain't all sunshine and rainbows. It is a very mean and nasty place. It will beat you to your knees and keep you there permanently if you let it. You, me, or nobody is going to hit as hard as life. But it ain't about how hard you hit, it is about how hard you can get hit and keep moving forward, how much can you take and keep moving forward.”

If you can defeat life’s challenges, you will be free to pursue whatever you want. Defeat the challenges and achieve the success for which you have worked so hard.


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8/14/07

I could sit here and start rattling off random, “good sounding” characteristics (such as ambition, boldness, drive, motivation, etc.), but that does not really help you or me. Instead, I will tell you what I believe makes a “successful entrepreneur.”

First, a successful entrepreneur can do the impossible. He/she can make something out of nothing. Many people who start with nothing end with nothing. An entrepreneur does not follow this norm. No matter the disadvantages or set backs, a successful entrepreneur can change his/her situation to anything he/she wants it to be. A successful entrepreneur can change his/her stars.

Second, a successful entrepreneur knows how to seize opportunity. This one sounds easy, but in reality, many people let some of the best opportunities slide by unnoticed. Contrary to popular belief, “opportunity” does not magically appear at your doorstep (we should all be so lucky) and wait for your response. Opportunity is something that a person has to go out and find. You have to seek it out like a jungle treasure hunt and conquer the traps set along the way. A successful entrepreneur knows this and does this daily.

Third, a successful entrepreneur has to network. True, there are many “anonymous millionaires,” and although anonymous to you and me, they are not anonymous to the people that played a part in creating that millionaire’s wealth. You do not have to be world famous or have your own reality television show, but you do have to know a couple people in the particular “money making circle” of your interest if you want to achieve large amounts of wealth. Therefore, for example, if you want to develop real estate, it would be nice to know some contractors, other developers, some finance people, and even people at the various utilities companies.

Fourth, a successful entrepreneur knows when to walk away. There is going to be a time when you have to cut your losses. A successful entrepreneur knows when that time occurs. Remember, these are not the high seas. You do not have to go down with the ship! You may think that this characteristic contradicts the first characteristic I mentioned. However, the first characteristic relates to an entrepreneurs personal life and this point relates to business.

Last, once an entrepreneur has achieved large amounts of wealth, he/she gives back to those who have need it. A successful entrepreneur uses his/her wealth to help change the world for the better.

These are the characteristics of a successful entrepreneur.


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As the famous saying goes, “I would rather be lucky than good.” However, your definition of success is going to make the difference as to whether luck is even an option. For example, if your definition of success is to have millions of dollars, then luck has played, and will play, a big role in the lives of many. Lottery winners, gamblers, game show contestants, etc., have received large amounts of money primarily through luck. Therefore, if “success” to you is defined by millions of dollars, you would love to have a little luck!

My definition of success is a little different. My definition of success is overarching. I follow the “health, happiness, and wealth” model. If you do not have your health, then you have nothing. It is that simple. What good are millions of dollars if you are too sick to enjoy them? Additionally, what good is money is you are miserable with your life? I only want a few things out of life. First, I want my family and me to be in great health at all times. Second, I want my family and me to be happy together and apart. Lastly, I would like to be wealthy. So how does luck play into my model? Truthfully, it really does not. You cannot be lucky and being a good family person. You cannot be lucky at being happy with your life. These are things you cannot fake.

Luck can play a small part in your travels and experiences towards achieving “success,” but if your definition of success is anything like my definition of success, you need to work on the more important things in life. Then, when you realize you have a great life, you will notice that making money becomes a whole lot easier. Take care of yourself and your family first; the money will eventually come into the picture. That is how I measure success.


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8/10/07

What one is paid versus what one thinks he/she should be paid is the ever existing conflict between employees and employers. “You can never become wealthy by working for somebody else.” You may have heard this in the past because I am definitely not the first to state it, but the quote is true. Let me make a distinction so that I am not misunderstood. I know many of you are thinking, “what about business executives and the such that make a couple hundred thousand dollars a year? These guys and gals are wealthy and they work for somebody!” The problem is, these people are not wealthy; these people are rich. What is the difference? People that are rich presently have a lot of money, but their money depends on their continued employment. If you take away the successful job of a rich person, he/she will not be rich for long. On the other hand, a wealthy person’s money does not depend on employment. A wealthy person has residual and passive income flowing monthly. If a wealthy person is employed, it is because he/she wants to be, not because he/she needs to be.

What does this have to do with determining how much your time is worth? Put simply, determining the value of your time determines whether you are going to be wealthy. Do not think of this problem in a purely literal sense. Do not think, “if I make $150 per hour and work full time for X amount of weeks per year, I could have X amount of dollars.” This way of thinking is short sided. Instead, you must consider what you do with your time.

I was reading an article that theoretically calculated the amount of money it costs to watch television. Do not get me wrong, I enjoy television as much as the next person and am not willing to give it up, however, this article really makes one think about the value of time. The article considered the electricity used, the extra dollars spent from watching commercials, the cost of a television, the opportunity cost, and many other variables. The author added up these costs, and compounded something like eight percent (8%) interest on the sum. The cost of watching television over the course of a number of years turned out to be monumental! The point of this story is not to convince you to give up television, it is to motivate you to use your time effectively and take advantage of the time you have.

If you want to make money, use some free time to plan for a way to do such. Do not give up because things are not happening immediately, just remember, it is only a matter of time!


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Public speaking is the number one fear for most people. For some reason, many people are nervous, scared, and sometimes downright petrified to speak in front of people. I must admit that I have been nervous before delivering a speech, however, public speaking has never been a real fear of mine. Therefore, I am going to share some tips that will help those who need it, to overcome their fear of public speaking.

First, you must recognize the situation and put it into perspective. For example, speaking as the professor in front of a classroom and speaking as a perspective student in front of a college admissions officer are two completely separate situations. First, the professor must speak in front of many people, while the perspective student usually only has to speak to one person. However, the perspective student will usually feel more pressure and stress due to the nature of the speaking. The professor should feel at ease because the students in his/her classroom are there to learn (in theory) from him/her, therefore, the students will see the professor in a dominant role. The student, on the other hand, will feel like he/she is at the mercy of the admissions interviewer. As the speaker, you need to find a way to create a sense of dominance. Make yourself believe that your audience is there to hang on your every word, that your speech or presentation is what the audience has been waiting for all day, and that you alone control the tempo, pace, and content of your words. If you can do this, you will find confidence and thus, peace when speaking.

Second, prepare, prepare, and prepare. Absent being one of the great historical speakers that have lead countries, movements, and social policy, you most likely will not be able to get up to the podium and/or stage and just “wing” a speech. The more prepared you are to give a speech, the more naturally it will flow from your mouth. The best speeches are the ones that do not sound like speeches, they are the ones that sound like somebody is just talking. Think about like this, you can always tell when an actor/actress is reading from the cue cards or has not memorized his/her dialogue. On the other hand, some actors/actresses have the ability to make you believe that everything they are saying was not prewritten. This is the goal for which you should strive.

Last, be yourself. I know that this is very cliché advice, however, it is very good and true advice. If you try to change your appearance and or speaking style, you are going to make your self more nervous and more anxious.

Stay calm, relax, know that you are dominant, know that you are well prepared, and go out there and knock ‘em dead!



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8/8/07

Failure. I know this sounds counter intuitive but nothing motivates like failure. Failure is what separates the strong from the weak. Aspiring entrepreneurs that let failure consume their mentality until they no longer feel the motivational spirit or the entrepreneurial drive were never cut out to be successful.

Let me clarify something; when I say “failure,” I do not mean something so catastrophic that ends your career. When I say “failure” I am talking about the little setbacks that plague an investment or sometimes break a deal. These small but persistent problems are ten times worse than one huge problem. This is true because if one huge problem exists, it is still only one problem. If you have the strength and the integrity to fix the problem, then all should be fine. However, when you have seven, eight, nine, or whatever number of problems, this means that you have to be responsible for putting out that many more fires. It is the constant small problems that wear on an entrepreneur’s spirit.

Combating these small problems is tiring, however, for each problem you conquer, you gain a little bit more motivation, a little bit more drive, and a little bit more strength. Soon, all the little problems are fixed and your deal has been completed.

Thomas Edison once said, “If I find 10,000 ways something won't work, I haven't failed. I am not discouraged, because every wrong attempt discarded is often a step forward.” This is the best education for an entrepreneur. Remember that failure will most likely happen, but it is how you react to, and handle such problems that will determine your fate as an entrepreneur.


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8/7/07

Yes, I have a real estate license. Truthfully, I do not use it that often. I do a small deal here and there, but nothing that I would call a career. Why then, you may ask, am I writing a post about how to revive a real estate career? I am writing this post because reviving a real estate career is similar to reviving any career, you have to think like an entrepreneur! Why am I discussing a real estate career? I am discussing a real estate career because the housing market is currently a hot topic in the news, therefore, I thought the readers would be able to relate more to this post.

First and foremost, you have to love the career that you enter into, or at the very least, you must enjoy it. If you enter a career for the sole purpose of making a lot of money, but you hate your job, you will hate your life. In my opinion, making money is fun and there are infinite amounts of ways to do it. Why then should you settle for a job you hate but makes good money? Why not pursue a job you love and figure out a way to make a lot of money from that job? The point, if you do not like working in real estate, reviving your career is the least of your worries. If you do not like the job, find a new one!

Second, you are going to have to like to talk on the phone. Change your perception about things like “cold calling.” Do not think of it as a burden or an intrusion on the person being called. Instead, convince yourself that you are calling this person for the purpose of helping them make money or buy the property they always wanted. As a real estate agent, you are in the business of selling dreams. It may sound cheesy, but when you help somebody buy their first home or their dream home, you just made a huge impact in that person’s life, and I guarantee that you will get referrals from him/her. Get on the phone and sell people their dreams.

Third, be persistent. You may notice that sales begin to slump in markets like our current market. When this happens, you have to think of new approaches to get clients. Now is the time to start pushing the idea of investment properties. Sellers are desperate and need to get out of their homes, however, nobody is buying. This means that home prices are rapidly falling. In this situation, if you are a seller’s agent, concentrate on changing your primary clientele and represent more buyers. Change your business model for the time being and you will change your income bracket. Flexibility in different markets is key to survival.

Last, set goals. If you find yourself in a rut, set a short-term goal. Example: “I will help two people buy an investment property this month.” Two properties is not going to break the bank, however, the pecuniary gain is not the point. The point of setting a short-term goal is to create a sense of accomplishment and motivation for yourself. This way you will want to endure in this business, you will know the feeling of receiving a commission check, and you will want to have that feeling again!


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In my previous post Multiple Streams of Income: Real Estate as a Business, I discussed the real estate business as a potentially lucrative business for new entrepreneurs. Well, I am here to tell you that the time to strike is now.

News broke yesterday that the tenth largest mortgage lender, American Home Mortgage, filed for Chapter 11 bankruptcy. This fueled speculation that the mortgage market was in heavy turmoil. This is due to the fact that American Home Mortgage was not a sub-prime lender and because some of the company’s investors included some of the largest financial firms in the world.

However, even if this is true, real estate investors can still benefit from this kind of market. The current situation is that people cannot obtain mortgages. These people are not necessarily financially inept, but these people do have a problem (whether is be substandard credit or lack of a down payment) that prevents them from obtaining a mortgage and thus, owning a house. These people have two choices: they can either leave their current location, move to place where the cost of living is less, and attempt to buy a house at this new location; or these people can rent a home, condo, apartment, etc., until they can afford to buy. Due to considerations such as employment, family, friends, etc., most people choose the latter option.

How does this help real estate investors? If, as a real estate investor, you practice the Buy, Improve, Hold, and Refinance model, this current market is great news for you. As more and more people are unable to obtain mortgages, more and more people will be looking to rent. If you are the owner of an investment property, you should have no problem filling any vacancies, and because of the large influx of renters, you should also have no problem getting a premium rental rate.

What if you do not have an investment property? The good news is that you are not out of luck; the bad news is you will have to have great credit and probably a small down payment, but more of this in a minute. Another effect of this market is that people are having trouble selling their homes. Less people qualifying for mortgages equals less buyers. If we all remember back to Economics 101, we will know that the economy revolves around the principle of supply and demand. Right now, there is a far greater supply of homes than there is a demand. This means that you, as a real estate investor, can grab a property for less that its fair market value (if you have the right credentials a.k.a. good credit and a down payment).

Although the market looks bleak for some, the market looks great for real estate investors. Strike while the iron is hot and find a good investment property today!


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