Purchasing Real Estate With No Cash Money Down | Real estate

Have you often wanted to purchase real estate but didn’t have enough money? Or maybe you are new to real estate investing and don’t have good credit, but want to purchase real estate. How do you go about accomplishing this task? One way is by using ‘no cash money down real estate investing’ both a person without the funds or credit can purchase real estate. In this article I will explain one scenario in which this form of acquisition can be accomplished.First off, let us understand what is required to secure a payment other than cash. Yes, I said other than cash! Remember this is no cash money down real estate investing . Other means can be used to secure a payment as a ‘consideration’ for payment. They can be anything that the seller agrees to that has value, i.e., a car, motorcycle, painting, jewelry, silver, etc… or even the promise to pay as in future rental payments.The promise to pay means that you are not putting any money down at this time, however in the future once the option is exercised, you will then make payments. This is like the ‘egg’ in a recipe that binds the transaction and makes it a true no cash money down to purchase real estate investing acquisition.There are obviously different methods and scenarios that could be used to purchase real estate with no money down . But for this example I am going to use what is called a ‘ sandwich lease option’ . In this scenario you not only want to acquire the buyer’s payments but also the equity in the property without ever having the risk of true ownership. To do a sandwich lease option you need a combination of an ‘option to purchase agreement’ and a ‘lease agreement’ . Both should be written in your favor, allowing you the ability to back out at any time with no recourse to you outside of the loss of the ‘consideration’. The option to purchase agreement binds the property for you by giving you the ‘revocable right’ before you purchase.Is there a downside to no cash money down real estate investing ? Of course there is. For instance, if you are not offering to take the property out of the seller’s name leaving them free and clear of the title, then obtaining the option to purchase can be a difficult task.Another thing to consider is why is the seller having such a hard time selling the property? This can obviously cause a problem for you as well in the future. And if you are looking at renting the property out, since you are not purchasing the property, you have to consider financing problems. What happens if the rental market is below what your payment is? Then you take a loss! And what if the seller is making interest only payments, later changing to interest and principal payments, greatly increasing your payments leaving you in further financial trouble?Now knowing this it only begs the question; is there a better option to no cash money down real estate investing ? The answer is of course, yes there is! That is if you have a self-directed IRA (preferably Roth) or good credit and a relatively decent income of about $70,000 annually. But we are discussing the scenario that you do not have the funds or do not have good credit to acquire real estate through other means. Besides that would be a topic for another article.So now that you know the ups and downs of no cash money down real estate investing , the only thing you need to do is ask yourself if this is the vehicle for you and if so, how to go about it. There are teams and companies out there for you, just for this purpose.
Have you often wanted to purchase real estate but didn’t have enough money? Or maybe you are new to real estate investing and don’t have good credit, but want to purchase real estate. How do you go about accomplishing this task? One way is by using ‘no cash money down real estate investing’ both a person without the funds or credit can purchase real estate. In this article I will explain one scenario in which this form of acquisition can be accomplished.First off, let us understand what is required to secure a payment other than cash. Yes, I said other than cash! Remember this is no cash money down real estate investing. Other means can be used to secure a payment as a ‘consideration’ for payment. They can be anything that the seller agrees to that has value, i.e., a car, motorcycle, painting, jewelry, silver, etc… or even the promise to pay as in future rental payments.The promise to pay means that you are not putting any money down at this time, however in the future once the option is exercised, you will then make payments. This is like the ‘egg’ in a recipe that binds the transaction and makes it a true no cash money down to purchase real estate investing acquisition.There are obviously different methods and scenarios that could be used to purchase real estate with no money down. But for this example I am going to use what is called a ‘sandwich lease option’. In this scenario you not only want to acquire the buyer’s payments but also the equity in the property without ever having the risk of true ownership. To do a sandwich lease option you need a combination of an ‘option to purchase agreement’ and a ‘lease agreement’. Both should be written in your favor, allowing you the ability to back out at any time with no recourse to you outside of the loss of the ‘consideration’. The option to purchase agreement binds the property for you by giving you the ‘revocable right’ before you purchase.Is there a downside to no cash money down real estate investing? Of course there is. For instance, if you are not offering to take the property out of the seller’s name leaving them free and clear of the title, then obtaining the option to purchase can be a difficult task.Another thing to consider is why is the seller having such a hard time selling the property? This can obviously cause a problem for you as well in the future. And if you are looking at renting the property out, since you are not purchasing the property, you have to consider financing problems. What happens if the rental market is below what your payment is? Then you take a loss! And what if the seller is making interest only payments, later changing to interest and principal payments, greatly increasing your payments leaving you in further financial trouble?Now knowing this it only begs the question; is there a better option to no cash money down real estate investing? The answer is of course, yes there is! That is if you have a self-directed IRA (preferably Roth) or good credit and a relatively decent income of about $70,000 annually. But we are discussing the scenario that you do not have the funds or do not have good credit to acquire real estate through other means. Besides that would be a topic for another article.So now that you know the ups and downs of no cash money down real estate investing, the only thing you need to do is ask yourself if this is the vehicle for you and if so, how to go about it. There are teams and companies out there for you, just for this purpose.

Web Design is The Essence of Your Business | design web

Web Design is Fun. It is undeniably a practice of design, a process by which problems are solved. For the millions of web surfers out there, your web design is their first impression of your business and your credibility. The key issue in web design is how to add value to the user’s experience, how to make them feel that they truly got something out of visiting your web site. User-centered web design is all about giving the control back to the user, which brings us to the term Accessible Web Design – the art of creating webpages that are accessible to everyone regardless of any device in use. No doubt web design is important, but usability in the other hand, is king. This importance will lead you to find a professional to design your web site right. The complexity of the resulting web design is somehow determined by the goals and budget and affordability in this aspect, is in fact a reality.Design ideas don’t have to be hard to find. For you out there that have specific ideas which are ready to be implemented, you just need someone with the technical know-how to turn them into web reality. Get ideas about the latest web design trends and communications concepts by looking analytically at your competitors sites. Evaluating example products is one way to get ideas for detailed design. From these set of ideas, you can then conclude on your final approach on how you want your assigned designer to get the whole thing done.Flash is already the Web’s standard for dynamic web animation. In creating original cutting-edge design there’s nothing better than using Flash Web Design. It is by far, a very versatile and popular method to add eye-catching action to your web site. Flash is also probably the trendiest technology currently used in web design. However a slow-loading web page or flash movie makes seconds seem much longer, if you happen to “overdo” it. Flash does not only associate itself with animations but also as great complimentary values to other media such as presentations, videos and audios.When you create your own web page keep the importance of shape in mind. You don’t want certain things to be in the extra large department when other items such as your text is relatively small to keep up with the overall ratio size of the presentation. Another important item to consider in your websites is the level of seduction. Yes, you read that right. If you’ve ever got lost in the maze of some websites, you’ll know the importance of intuitive web design. Seductive websites provide users the reason to stay longer by providing good typography and by not underestimating the importance of navigation. Knowing the importance of this, you cannot afford to take a chance on any trial-and-error method. The importance of writing quality web content is also equally important. Nevertheless, until recently, though, a greater emphasis has been placed on the importance and overall influence of color in the field of web design.Web design is a complex discipline that involves a wide range of skills. In fact, I’d go as far as to say, web design is information design. In my experience, web design is primarily about the business. Every new web design is the solution to a design problem that can be summed up in a series of constraint questions – Who is my audience? An extraordinary web design is mandatory to a successful business, hence the goal of web design is simply not merely to dazzle, but to deliver information to the widest audience possible. Web design is exciting, it changes day by day. These changes will reflect your company’s complete product and service presentation. Web design has always been made up of some basic premises, and if you understand them you can help deliver pages that will impress and illuminate your readers. A successful Web design is paramount to a successful business.

Secrets of the Avid Fashion Follower | Fashion

Any woman who is an avid ladies fashion follower will tell you how important it is to keep up with the latest trends and the latest developments in the world of fashion. Not just about clothing – although clothing is a major portion of what constitutes to women’s fashion – but also about other elements such as the latest jewelry, the latest hairstyles, the latest accessories and must-have’s, as well as what is the latest dress trend out there today. The world of fashion and clothing is ever changing and on the move, so the avid fashion follower always needs to make sure she is on her toes and kept up to date with what is happening around her.So how does she get all the information which she needs for what the latest trends and designs in ladies fashion are? How does she know what styles are in this season and what are the latest season must-have’s that every fashion diva should own in her wardrobe? By doing her homework of course. And no, homework here does not mean schoolwork, but rather homework in a sense that she uses every tool and means available to her to keep up with the trends in women’s fashion.Being an avid fashion follower is no secret, all she needs to do is make use of the fashion resources around her. For example, an avid fashion follower would always have her essential item with her – fashion magazines. They are the very first basics she can turn to as there is no other medium that keeps up with the latest trends and styles quite like a fashion magazine does. New fashion magazines are out every month, which means their source of info is always going to be the very latest and the newest, and when it comes to fashion, those two are the key ingredients you would need to keep yourself fashion forward on all things related to fashion and clothing.The avid fashion follower would also have to learn how to trend-spot. This simply means that she would learn to observe others around her and look at what other fashion followers are wearing or carrying if she wants to know what the latest trends are not just on the catwalk, but on the street as well. After all, being a fashion diva means that she knows even the tiniest developments and what is new when it comes to women’s fashion and dressing and what better way to do this than through observation.The avid fashion follower will also make use of the greatest tool which everyone has available to them – the internet of course. The internet is going to be her endless source to all things fashion and all things related to ladies fashion, from the latest colors of the season, to what are the latest trends, the fashion gossips and what the hottest styles are, as well as shop online for practically any item she wants from any store, anywhere.The world of fashion is something that is ever changing, and if you want to be a fashion forward glamour queen, start making use of all the resources around you and make sure that you stay ahead of the pack when it comes to all things fashion.