Sunday, November 18, 2012

The Weekend Millionaire's Real Estate Investing Program by Roger Dawson

Roger Dawson has a host of paper books, audio books and DVDs on various personal, motivational, and financial topics. This time, he has teamed up with a co-author, Mike Summey, for a book to teach the reader about how to make money in real estate. The book is called The Weekend Millionaire's Real Estate Investing Program by Roger Dawson, and Mike Summey. The purpose of the book is to teach people about how to make money in the real estate market by buying investment properties. There are many books, thousands even, on the topic. However, Roger Dawson brings with him over 40 years of real estate experience. During his real estate career, he managed 28 offices, with 540 plus employees. So, Roger Dawson is very versed when it comes to the topic of real estate, and about what works when it comes to investing in real estate, and in making profits.

The reader might become very excited to get mentoring from a book from a real estate master. But before a person quits their day job, they should be warned that this isn't a book about how to get rich quick. This isn't the type of book for those looking to get rich over the course of a weekend. This isn't the book for someone who thinks that this is going to be an overnight process. However, The Weekend Millionaires Real Estate Investing Program will teach people the skills that they need to realize long term profits from an industry that isn't going anywhere, and in which they can succeed, even during any economic downturns that they might witness.

The book goes into common strategies, such as buying distressed properties to sell them at a profit. This is a strategy that has been used by many a great real estate developer. Of course it makes sense to buy low, and then to sell it higher. The property sells higher because the market will go up, and because things can be done to the property to inflate its price. The reader will also learn things in the book, such as how to find great investment properties. Many people might be ready to make a buy, but they have no idea as to where to look. They might also waste a lot of time in their search. The book teaches the investor exactly where to look, so that they don't waste time, energy, or money.

The readers of The Weekend Millionaire's Real Estate Investing Program by Roger Dawson, will also learn how to approach seller. Certainly the book readers will need some guidance and some hand holding in this area. They will also learn some negotiation skills and tools designed to develop proposals that are win-win situations for the buyer, and for the seller. This book will even address issues, such as how to buy properties with no money down, and with bad credit.

There is much more to be learned in the book. As long as the readers are able to manage their expectations, and if they are ready to apply what they have learned into real life situations, then they will enjoy all that they learn, and that they earn thanks to The Weekend Millionaire's Real Estate Investing Program by Roger Dawson.

Tuesday, November 13, 2012

The Future Us Housing Market

In some of the worst housing markets in the country, deflation has reached double-digit proportions. While housing woes have reached around the country, California appears to be poised to rank among the worse. One of the primary reasons for this is the fact that in the last several months California has experienced the largest rate of deflating home prices. In fact, home prices in California have fallen at levels that have been unprecedented.
Miami, Florida has also proven to be a difficult market at the moment. Here, the weak mortgage market and record high rates of foreclosures have led to decreasing home values as well. In fact, Miami has been among the worst home markets in the country for two years running. The condo boom in Miami just a few years ago has fueled further problems that have now spiraled into a massive real estate bust.
The high flying Florida and California markets may have been easy to predict as being the first ones to crumble when the real estate market took a turn, there are other markets on the verge of falling that were not so easy to see. In hindsight, it is easy to see the rapid increase in home values during the recent boom as an indicator of the coming crash.
Other markets, however, did not rise as much or as quickly, which could be one reason why they have managed to avoid reaching the top of the list; at least until now. These markets include Nevada, Indiana, Arizona and Massachusetts. Declining home prices as well as high rates of foreclosures in these states are also contributing to their worsening real estate market conditions. In Michigan, where layoffs have been significant, the economy is playing a strong role.
Problems are expected to grow worse in many markets as several million adjustable rate mortgages are scheduled to be reset in the coming months. As these mortgages are reset, it is logical to assume that even more homeowners will find themselves facing the reality of being unable to pay their monthly mortgage payments in certain markets. When that happens they will be forced to either face foreclosure or in some cases make a short sell on their home as refinancing is becoming less and less of an option for many homeowners.
According to most statistics, the remainder of 2008 is still poised for problems in the housing market. Many statistics indicate that home values could continue to drop and new homes could experience a loss of up to 18% before the year is out. While there are some indications that the market could begin to level off at the end of 2008 or the beginning of 2009, many experts are quick to warn that when the market does begin to rebound it will not reach the point where it left off. In comparison to the housing peak of 2005, the rebounded market could still be quite a bit lower. Part of the reason for this is that in many areas, prices escalated so quickly that there is simply no way for prices to rebound back to that point.
Still, there may be some hope for certain areas. In many markets sub-prime mortgages have either left the market through quick sales or foreclosure. The stimulus package that is on the horizon is anticipated to help the housing market in many areas.
First-time home buyers may soon find the relief they have been seeking since they were forced out of the market, however, it may longer before homeowners begin to experience that same kind of recovery. This is because most homeowners are still reluctant to sell and lose the equity they once had in their homes. The simple fact is that many homeowners have yet to accept the fact that they can no longer get the same prices for that was possible just a few short years ago.

Sunday, November 11, 2012

Become an Oilfield Vacuum Truck Driver!

Being a vacuum truck driver is not an easy job, especially when it is in the oil and gas industry; it involves the transportation of various types of equipment and supplies to and from job sites. It could include the conveyance of oversized, highly flammable, or explosive cargo over long distances requiring safe and efficient operation. When choosing a new career path and searching for a meaningful job in today's economy, deciding to become a vacuum truck driver in the oil fields could give provide many fulfilling opportunities.

While it is vital to have a good income and be well-compensated; the most important step to a meaningful, fulfilling and rewarding career is to be passionate about the work being done every day.

Career Opportunities

The most basic step when choosing a career is to keep in mind the factors that are motivating and inspiring. Current job seekers are trying to find a particular niche in the job market that both pays well and offers job security. There are many career opportunities available and it is just a matter of finding such favorable circumstances The search for a fulfilling career should be based on a job that is: interesting; exciting; stirs up personal compassion; evokes the imagination; and provides real satisfaction. One career path that can spark one's interest and be exciting is entering the field of vacuum truck driving for an oil or gas company.

Necessary Skills

Once a decision has made, it is time to take a moment to think about the skills that are required for this type of job and if such skills will have to be acquired. Don't be overly concerned if certain specific skills will need to be learned for this type of work, as a good training program can fulfill most of what will be needed. During training, prospective applicants have the opportunity to decide if this is a job that can truly provide fulfillment and satisfaction.

Qualifications

Generally, applicants must know how to safely load, convey and properly dispose of waste products or brine water that are produced in the oil industry. This waste is not allowed to be released into rivers or other bodies of water because of its salt content that is very toxic to living organisms. This hazardous liquid must be transported by skillful vacuum truck drivers to proper treatment facilities.

To qualify for this position, prospective applicants must have a background in math and science. Such knowledge would include: how to compute the volume of basic sediments in water or impurities contained in crude oil; safety training associated with material handling; a clear driving record; no criminal cases or traffic violations such as speeding, reckless driving or DUI/DWI convictions; and a Class-A Commercial Driver's License (CDL).

There are many careers available that are right around the corner. Finding one is simply a matter of research, having a positive approach towards safety, acknowledging strengths, and having the will and positive attitude to discover and learn a new set of skills. Having driving experience can be the start of a new career and a better future. In fact, an oilfield vacuum truck driver could be an occupation that is not only very interesting, but one that also provides personal meaning and fulfillment as well as providing an opportunity for personal growth!

Tuesday, November 6, 2012

Why Mortgage Loans With Bad Credit Are A Real Possibility

It stands to reason that mortgage providers are not overly enthusiastic about lending to bad credit borrowers. But since even honest borrowers have seen their credit scores fall in recent years, from developments in the economy rather than their own financial irresponsibility, a low score is no longer an accurate indication of risk. So, getting a mortgage loan with bad credit is possible.

Of course, loan size is a big factor, and with the typical mortgage as high as 0,000, there are still clear risks for the mortgage provider. But between higher interest rates and strict qualifying criteria to protect them, securing home loan approval is something borrowers can consider realistic.

For borrowers, approval comes down to accepting some costly compromises. But there are ways to secure a mortgage loan with affordable terms that lessen the financial pressure for the borrower.

The Significance of the Down Payment

The first key move to help secure an affordable mortgage loan with bad credit is to make a sizable down payment. The math is simple: since a down payment effectively cuts the size of the required home loan, the larger the down payment, the smaller the mortgage required.

With lower mortgage sums come lower monthly repayments, which makes the debt far more manageable for bad credit borrowers than otherwise would be the case. And it is affordability that is the significant word, making the task of securing home loan approval much easier.

Of course, actually getting the down payment is something of a challenge, with significant lump sums difficult to save in a short period of time. While 10% down payments are common, a 20% payment is much more helpful, reducing the size of the required mortgage loan to 80%. But depending on the value of the property, it could mean saving ,000m or ,000.

Keeping Your Application Realistic

Many applicants do not realize that seeking the maximum mortgage loan with bad credit is not a good idea. Lenders want to know that the applicant has common sense, and considers carefully the consequences of his application. Seeking a 0,000 property and comfortably affording repayments is better than seeking a 0,000 property and stretching yourself financially.

Of course, securing home loan approval depends on several factors. So, it is possible that even applicants with large annual salaries can be deemed unable to afford to buy homes of a certain value, especially if they already have a lot of existing debt.

This is where the debt-to-income ratio is so significant. The 40:60 ratio stipulates that no more than 40% of available income can be used to repay loans, and this depends on keeping debts down. So, even a large monthly income may not be enough to secure mortgage loan approval.

The Right Lender For The Right Deal

The lender is hugely significant when seeking mortgage loans with bad credit. It is not just because they ultimately decide whether to approve or reject the application, but also because they set the interest rates and other conditions, making a deal affordable or not.

The best thing to do to track down the better lenders offering the best deals is to take to the Internet, with comparison sites ensuring the search can be completed quite fast. Online lenders are usually superior to traditional lenders because they charge lower interest rates, and securing home loan approval with them is more likely.

Of course, as is the case with financial matters online, it is important to check the reputation of these online lenders by consulting the Better Business Bureau website, or the Verify1st website, before committing to a mortgage loan contract.

Monday, November 5, 2012

Nano Technology's New Thin Lithium Ion Battery, Small As A Human Hair

Can you imagine a battery that is 1 billionth of a meter thick and as tall as the thickness of a human hair? Scientists at Rice University have developed a new tiny, tiny lithium ion battery. It is only 150 nanometers thick (1 billion nanometers to equal 1 meter). It is so small that it is hard to see with the naked eye.

The idea here is to fabricate nanowire energy storage devices with ultrathin separation between the electrodes, said Arava Leela Mohana Reddy, a research scientist at Rice and co-author of the paper. This affects the electrochemical behavior of the device. Our devices could be a very useful tool to probe nanoscale phenomenon.

So far battery technology hasn't been able to power our electronic devices for more than 10 hours at a time. Even with the largest capacity lithium ion batteries, Smartphones act like battery vampires sucking the charge right down. The largest capacity cell phone battery I have seen is 4000mAh. The problem is that these extended capacity batteries are heavy and much thicker than the standard batteries that come with the phones. This means that you need an extended battery cover as well as the fact that the gel case you bought to go with your new Smartphone will no longer fit. The new nano batteries would mean you could get huge capacities in tiny batteries, thus making the Smartphones lighter and thinner.

Will we be seeing this new technology any time soon? It's probably a few years down the road, but just think of how light weight those new MacBook Airs will be in the future Will your new Smartphone be as thin as a credit card? The possibilities are endless.

Meanwhile, back at the farm While we wait for the new nano technology to catch up to our needs, you will need another solution. I have a Motorola Droid X. The battery life for the standard battery was dismal to say the least. I love the phone, but let's face it, having to be tied to a charger by mid-day was painful, as well as inconvenient. I bought a Droid X extended battery and am so much happier. My new battery is 2600mAh, which gives me almost twice the capacity as the original 1390mAh battery that came with the phone. I have heard that there is a new aftermarket battery for the HTC EVO 3D. The new HTC EVO 3D extended battery is 4000mAh. Amazing! Of course it will be much heavier than the standard 1700mAh battery that comes with the EVO 3D, but as with all 4G Smartphones, you need that extended capacity to make it through the day. Let's hope that the nano batteries will be here sooner rather than later.

Thursday, November 1, 2012

Voluntary Disclosure Program in Canada - Not Easier Said Than Done

The Voluntary Disclosure Program in Canada enables taxpayers to voluntarily disclose income to the Canada Revenue Agency. This income could be a result of unfiled tax returns, it could be income that you knew you earned but failed to include on an income tax filing, it could also be expenses you declared that reduced your income but that were not legitimate expenses.

Under the Voluntary Disclosure Program, a taxpayer can either make an application identifying themselves or make the application anonymously. If the applicant makes the application under the Voluntary Disclosure Program anonymously, they must disclose their postal code, sex and age.

There are four criteria that the taxpayer must satisfy under the Voluntary Disclosure Program:

1. The disclosure must be voluntary. If the Canada Revenue Agency has recorded that they have written or called the taxpayer to request that they file a tax return, to audit the tax return in question, to question income as declared etc., disclosure will not be considered voluntary and the application will be rejected.

2. The tax debt must be at least one year old. If the tax debt is less than one year old, it will not qualify under the Voluntary Disclosure Program.

3. The tax debt must be subject to interest and penalties. If the declaration of the tax debt will not result in interest or penalties being assessed it will not qualify for the Voluntary Disclosure Program.

4. Most importantly the disclosure must be complete. If you fail to include information or undeclared income from other tax years, the Canada Revenue Agency can reject your application under the Voluntary Disclosure Program.

It is not a good idea to make an application under the Voluntary Disclosure Program on your own or through an accountant alone. This is a formal process and if it is not handled correctly you could effectively alert the Canada Revenue Agency to the fact that you have undeclared income and once your application is rejected they can proceed to come after you.

The process begins with a letter being sent to the Canada Revenue Agency indicating the tax years in question and the types of taxes that will be declared. Once received, the Canada Revenue Agency will send a confirmation that acknowledges that the application has been filed, a VDP number will be assigned and a VDP officer will be assigned to the file. The taxpayer then has 90 days to either file the past due return or amend returns that contain non-disclosure.

If disclosure is not made within 90 days, the application will become invalid and you will not reap the benefit of relief from interest, penalty and/or prosecution. Only after the tax returns have been filed with the Canada Revenue Agency will they approve or deny the application under the Voluntary Disclosure Program.