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Lillian on July 3rd, 2009

Have you heard about Robert Kiyosaki’s (Rich Dad) new book: “Conspiracy of the Rich: The Eight New Rules of Money”. 

It was such a special experience of participating in Robert’s new creation provided online for free. You actually are allowed to read one chapter at a time, view the feedback and dialogue, and then wait for the next chapter. You will find yourself quickly get hooked.  The information in this book is really powerful. With those information, you will be able to have a better understanding of global economy and how the financial systems work. If you are one of those who are serious about your financial future but haven’t got chance to participant, here is the last chance, click on the link and log on to the website today. http://www.conspiracyoftherich.com/  There is no charge to participant. You have limited time to read this book online for free. Once the book is finished, it will be published and will no longer be available online. Robert is going to publish the last chapter (Chapter12) on July7, the online reading period will be ended on July14. So get on to the website now! 

Personal finance expert on June 30th, 2009

Our economy is built on advertising, which is becoming increasingly more problematic. Corporations are spending billions of dollars annually on advertising methods that are no longer effective. Eighty percent of all US homes now own Tivo, where skipping through the commercials is just a push of a button away. Most new cars are now being delivered with (commercial free) Satellite Radio’s already installed. New, stricter laws involving telemarketing are continually being put into place and the rising cost of stamps are making direct mail advertising cost prohibitive. Traditional means of advertising are becoming progressively more ineffective.

So what’s an advertiser to do? In these economically challenging times more and more people are flooding the internet daily, looking for ways to earn money to either supplement their income or replace it. Family is (thankfully) becoming the cornerstone of our lives once again. The age of “you can have it all, family AND the career” and “the children just need quality time, not quantity” has drawn to a close. In today’s world mom’s want to stay home and raise their children. Dads are quitting high pressure, long work-day jobs. They are trading them in for lower income jobs then looking for ways to supplement their salary or replace it altogether so they can spend more time with their families. As this trend continues to evolve, corporations have begun to stand up and take notice.

Throughout history marketing agencies have kept a continual eye out for rising trends, so it’s no wonder that this particular trend has caught their attention. Advertisers have found a way to capitalize on this media enriched trend of people looking to earn money on the internet. PR firms will tell you that the best way to advertise any product or service is to capture your target audiences attention. This is best accomplished by using either humor or incentives. Companies want you to view their advertisements and the more enjoyable this experience is, the more people will be willing to view them. On one hand companies need exposure to their advertisements, on the other hand people want to earn money from home over the internet… Are you starting to get the picture here? What better way to advertise than to find a way to pay the ‘advertisee’ to try their products and services? Hence, the GPT sites were born.

What are GPT sites? GPT stand for Get Paid To, as in Get Paid To take surveys or try new products or services. Instead of spending all of that advertising revenue on the old, more traditional media (television, radio and print), advertisers are now allocating more and more of their advertising budget towards internet advertising. GPT sites are basically the middle man that introduces the advertiser to the advertisee.

Advertisers pay GPT site owners to deliver leads to them. They are looking for people to read about their product, give their opinions about their products and try their products and / or services. That’s where the advertisee comes in. The GPT site owners find leads to connect with the advertisers. They accomplish this by paying a large percentage of their earnings from the advertiser to the leads they supply them with.

GPT sites typically host a variety of offers on their webpages, including free offers, surveys, service and product trials, paid to read emails, and cash-back shopping. Earning money on these sites is not only simple, it’s actually very lucrative. This is how it works; You sign up at the GPT site, once logged in you’ll find a list of offers. Most GPT sites organize their offers in categories, either freebies or paid trial offers. Freebie offers are 100% free and do not require a credit card. These are usually surveys to fill out, a request for more information about a home business opportunity, or signing up for a newsletter. They pay anywhere from .40 cents to $3. Trial offers typically do require a credit card, but are far more lucrative. Some trial offers don’t actually cost anything (unless you fail to cancel by the end of your trial period). Others cost anywhere from $1 to $5 for paid trials or shipping and handling charges. The profit margin on these types of offers is very high, paying anywhere between $10 and $30, occasionally more. Once you have completed an offer you simply mark it as complete using the link provided. Depending on the offer, your account will be credited anywhere from a few minutes to a few days. Most GPT sites pay monthly, however there are a few that do pay daily or weekly.

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Personal finance expert on June 30th, 2009

I recently spoke to a few people who wanted to get involved in wholesaling properties. Wholesaling properties is a great niche to be in because if you can find the right leads you will have no problems selling your properties and selling them fast. But before you can sell them fast you need to have a buyers list. A buyers list is one of the most important parts of a wholesalers business. When you are wholesaling properties you want to be able to flip them as fast as possible, and with a strong buyers list organized the right way this process becomes a whole lot easier.

What are some sources for buyers?

Your local real estate investment club is a great resource for buyers. If you are an investor it is absolutely critical that you know the investors in your area and have contact with them. When you meet them find out what part of investing they focus on and take note. Certain investors at your local clubs may not be interested in buying properties from other investors because it is not their particular concentration. But those that are looking for those types of deals are great. You know they are investors so your real estate investment clubs should be your first source for creating your buyers list.

Another source for potential buyers is from signs and classifieds. When you see any advertisement that says “We Buy Houses” or any other advertisement that is clearly from an investor, write down the number. When you get home call the number and just start talking to the investor. Find out what sort of properties they are interested in. Take notes on each conversation that you have and keep meticulous records

One of the best sources for a buyers list is your local section 8 office. Call your local office or visit them and get a list of the local landlords in your area. This will give you a large list of people who are active in real estate investing and are potential buyers. Again, once you have the list contact each investor and talk to them and try and get a feel for what types of properties they are looking for. On a side note, you may also be able to find a burnt out landlord that would be willing to sell you their rental property or properties at a discount. So not only can this step help create a buyers list but you may also generate a few good leads from this easy step.

Remember when you are collecting all these names to take lots of notes. Get each persons contact information and as much other information as you can. One critical piece of info is the email address. When you have a property and you have 100 emails of potential buyers, all you have to do is send out one email and you have reached 100 potential buyers in literally seconds. Regardless of the strategy I am going over next, this is a very powerful way to flip your properties very quickly.

So now you have a buyers list, what next?

The next step that I recommend is to sort your buyers list. The reason you do this is to take away a lot of the hassles you might face. If you have your list separated into an A, B, C, and D list; you will find wholesaling a lot easier. You’re A list may be those that can bring cash to the table within a week. Your B list may be those that have pre-qualified for a specific loan amount. Your C list may be those who have not pre-qualified but you believe could be able to get the financing in a month’s time. Then your D list may be those who you have no reason to contact because you don’t believe they will be able to get the money from anywhere.

However you divide your list up, this process will help out because you simply progress down your list. Start with your A list then your B list and so on down the line until you have a buyer and the property is sold.

I have also found it helpful to have a website where you can put pictures and descriptions of your properties. This however is not necessary however due to a new program a good friend of mine has created where you can list you properties and anyone can view them. To listen to an interview I conducted with this person and find out more about his program visit .

I hope you have found this information helpful and you are able to grow your buyers list bigger than ever before. To find out more strategies for wholesaling as well as other investment techniques, please visit us at .

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Personal finance expert on June 30th, 2009

Before you take out a second mortgage, use these rules to figure out the realistic costs of setting up a business.

Have a Solid Plan — Then Change It
Most business start-up stories say that you have to have a business plan. And you do. But that’s not the beginning and end of figuring out your start-up costs.
Jeff Shuman, who directs entrepreneurial studies at Bentley College, says, “The conventional wisdom is that an entrepreneur sees an opportunity, comes up with a business plan to capitalise on it, determines the capital that needs to be raised, raises the capital and then applies it to building the business described in the business plan.”
There’s one major problem with that model, says Shuman. It all hinges on getting the business right the first time, and that doesn’t often happen. “In reality, it’s likely that some of your initial assumptions are pretty good and others aren’t going to be worth the paper they’re written on,” he says.
Shuman and others say that figuring out your start-up costs means regularly reviewing your assumptions and changing your initial model. Writing a plan is good because it forces you to write down everything you are going to need to start your business.
But that initial plan is likely to change repeatedly as you learn new things and incorporate them into the plan.
Be Willing to Pull Back
It’s tempting to add up everything you need for the full-fledged business you imagine, and decide it’s what you need to start out.
But pulling back and looking for a smaller model can give you a way to get started while also saving money. Shuman uses the example of someone who calculates the total cost of starting a retail business in a local shopping centre.
“You could start that way and write a business plan based on that amount,” he says. “But maybe you’d be better off renting a stand and testing what the demand is for your products at that location.”
This consumer testing reduces your initial start-up costs. The result is that the initial cycle of your business is dedicated not so much to generating profits as to generating information. “With this, you can fund your business on a cycle-by-cycle basis,” Shuman says. “When you go for the second cycle and for expanding your business, the numbers are now based not on focus groups or surveys but on real-world experience.”
Calculate Prices and Time Correctly
Calculating your initial cash flow is part of figuring out your start-up costs. It’s an area where businesses are sometimes less optimistic than they should be. “Small business owners may under-price their product or service, thinking they have to come in at the lowest price point to compete,” says Barbara Bird, who chairs the business management program at an American university. “They don’t necessarily need to do that.”
Correctly Estimate Your Start-up Time
Yes, when beginning a business, time can be money. Let’s say you’re going to have fixed costs such as a monthly lease. If you have to make improvements to a space before you can actually open for business, those fixed costs are going to be additional start-up costs until you can actually open for business. I’ve watched many entrepreneurs draw up a timeline for their ventures and get tripped up on the safety and inspection requirements imposed by local agencies.
For that reason, I think one of the first places a prospective new business owner should go is to the local government planning or license department. Construction permits and inspections can push a prospective opening date back by months. If you fail to take into account the cost of this time, you could be short of working capital right at the start.
Be Realistic About the Cost of Money
Many small business owners finance their ventures by running up big balances on their personal credit cards. Others tap the equity in their homes.
But self-financing isn’t a practical option for larger ventures. Tom Emerson, who directs the entrepreneurship centre at Carnegie Mellon University in Pittsburgh, says start-ups should figure in the cost of capital when determining initial expenses and cash flow. “The cost is usually based on what the interest would be, were that cash invested in something with similar risk on the market” Emerson says. “It’s usually a figure that is a few percentage points or more above the prime rate.”

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