Those Millions of Poorly Educated Americans – What Do They Do?

What did they do? Those millions of poorly educated Americans who, as preadolescents and, later, as adolescents during the last forty years, took much less than seriously the twelve years of public education that they were freely afforded from age six to eighteen, who eventually strode nonchalantly across commencement stages to be handed diplomas without having obtained the fundamental academic skills properly accompanying genuine graduation from high school? And what do they continue to do now, as it inexorably goes on, when countless unprepared young men and women are handed those diplomas and sadly discover, a few years later, that the lessons on reading, writing, and arithmetic that fell on their rebellious minds and deaf ears as they languished unattentively in classes where teachers were laboring to present their prepared lesson plans, might have allowed them to go on to higher education in order to get rewarding and better-paying jobs? I see them all the time, nearly always in U.S. cities, the abject unemployed and unemployable, those wandering people milling about the streets with desperate desolate looks in their eyes, who are unable to get jobs because they are not properly educated, because they cannot compete in the job markets against those men and women who took public education seriously and learned those fundamental academic skills well enough to accede to post-secondary education and training. Yet, it goes way beyond the formal classroom, to the secluded carol at the public library and the booklined study in the home, where an individual may use those basic essential academic skills to burn the midnight oil while selectively researching and delving into subjects and discliplines of personal interest for the sake of intellectual betterment.

The age group of the foregoing individuals, to which I am referring, comprises those adult men and women between 19 and 35, who failed to attain, in 12 years time, the ability to read, write, and do mathematics on, at least, an 9th grade level. These innumerable men and women throughout the fifty states go from dead-end job to dead-end job earning barely minimum wages, never able to realize a continuum of successfully gainful employment. Perhaps these former adolescents didn’t have parents who regularly encouraged, and helped, them to studiously acquire the rudiments of learning in elementary, middle, and high school. Currently, between 75-to-80 percent of all American public school children don’t have this type of parents, the ones who regularly take an active part in their children’s primary and secondary educations, who regularly help and encourage them at home to understand and complete homework assignments and to assimilate subject concepts, to help make learning fun. And I believe the reason for this is the perpetuation of a vicious cycle of learning dysfunction that is viciously generational in effect. For most unlearned mothers and fathers, who had parents hardly interested in their education, usually have problems being nurturing caring parents.

Yet, there is another pertinently relevant reason for the shocking downturn in American learning within the last 40 years, and it is systemic in nature. It used to be that a thorough basic education, comprising learning to comprehensively read, to write with grammatical skill and clarity, and to solve basic math problems, was the substrate for an advanced education, and was basically good as an end unto itself. That is, when a person learned to read, he, or she, would then voraciously read to learn. A person did not, from 1900 to 1970, go to school to get a job, but, rather, to get a thorough basic education; and with a through education a good job was, later, acquired. Back then, most engaged students seriously studied Latin, world history, Western civilization, English literature, basic and advanced mathematics, the physical and biological sciences, and geography in public school so that advanced studies in foreign languages, political history and philosophy, world political development, creative writing, advanced theoretical mathematics, physics and micro-biology, and advanced cartography could be later pursued at the college/university-level. If it is, rather, the other way around, and students who have done poorly in public secondary school seek post-secondary education in order to get specific jobs, say as computer programming specialists, the students who are not equipped academically to acquire well-rounded liberal college educations will channel only into courses and subjects, at junior colleges or universities, which will prepare them only to perform specific jobs, not to continue learning throughout life through diverse reading and conceptual thinking.

Thank God for the private and parochial elementary and secondary schools, and, perhaps, the public magnet and charter high schools throughout the nation, which cater to the small minority of preadolescent and adolescent children who are shaped by their parents to enjoy learning. But thank God more for those parents who take seriously their essential jobs as developmental nurturers for their children, who regularly devote priority time to their children, helping them to become wise and intuitive, while sacrificing their own personal time for the greater good of learning. These are the parents of the children who will become the Leonardo De Vincis, the Thomas Edisons, the Jonas Salks, the Louis Pasteurs, the Mark Twains, and the Michel de Montaigns of the future. These children will become the adults who will continually rely on that basically thorough substrate of knowledge they acquired from their parents, and in the classroom before they were 10 years old, in order to pursue eclectic personal reading to continually learn and internalize increasingly more convoluted subject material.

I fondly recall a profound statement made by an eminent academician, Dr. Stephen R. Lefevre, my mentor while studying political science for my graduate degree at the University of Texas at Tyler. While reminescing one day in the early 1990s about his graduate experiences at the University of California at Riverside, where he took his doctorate, he said, “I was quite humbled when I walked across the stage to be hooded as a doctor of philosophy and suddenly realized that there was so much more to learn, in so many related disciplines, that I didn’t know.” Stephen Lefevre remains a living tribute to continuing personal education and the advancement of knowledge, for he has used his acquired intuition and basic academic skills, obtained early in his life, to go far beyond the university classroom to the ever-continuing academy of mortal learning in order to enrich the lives of others, like me. But what do “they” do? Those innumerable young people who suddenly become adults and discover that they have wasted the most important years of their lives, when they could have been acquiring, at no cost to them, the essential rudiments of learning, the 3 Rs (“R”eading, w”R”iting, and a”R”ithmetic), the basic academic skills that would have prepared them to study for a rewarding and, in most cases, lucrative profession. Well, they, either, realize the need to remediate and make-up for what they failed to attain during their earlier years, and do it at their own expense, or they sadly stagnate in ignorance, socially and financially, for the remaining part of their lives, unwilling to step-up and take responsibility for their actions, and, perhaps, those of their parents. As I learned from my own dear mother, accomplishment, in any particular avenue of life, involves accepting a premise that it’s all about “mind over matter.” That is, you can’t afford to “mind” what it takes to do it, and it doesn’t “matter” how long or how hard it takes to get there. It’s ultimately getting there that really matters.

Internet Home Based Business – Who Let The Dogs Out?

Running an internet home based business can at times seem like being traced by angry dogs – everyone wants to get a piece of you. On the other hand, when some who are chasing you for business do catch up with you, they have little or nothing to offer and in fact seem confused about why they were chasing you in the first place.

Many of us involved in running an online or internet home based business no doubt have experienced the very frustrating event of signing up for a particular offer from an online marketer that seems appropriate for our business needs, only to be thereafter sent a barrage of other offers that have little or nothing to do with our internet home based business requirements.

Few things are more frustrating and this often proves to be a waste of time. Because if you really think about it, once you have subscribed to one offer or even purchased a product what should really happen is that either you are sent similar offers to review or you are sent offers that are somehow in line with your business requirements.

Unfortunately, it seems that in the online marketing world where quantity rather than quality rules, this is not what happens.

No sooner you sign up for an offer or buy a product than you start seeing offers from the same marketer about products that have little or nothing to do with your online business requirements or worse, the same marketer touting something similar to what you just bought, but this time this new miracle product is so much better than what he just convinced you to buy.

But it’s no use whining over this state of affairs with online marketing. What you should do is to develop a strategy to deal with it so that it has little negative effect on how you run your internet home based business.

One effective rule that you can apply in dealing with this kind of issue is to just refuse to deal with marketers who engage in this practice. Of course taking this drastic step may end up with you missing out on some great tools for your internet home based business, but these tools are likely to be available from other marketers anyway.

By doing this, you force discipline on yourself. You create an environment where you have more control over what you review for your online business and how you use your time and resources.

Home Based Business Insurance – Is it Really Necessary?

Starting a home based business is rarely an easy decision. If you are contemplating or have already started a home based business, you need to seriously consider purchasing business insurance.The main positive aspect in the decision process is the fact that you will be working at home. If you own your own home, you most likely believe that by having home insurance your business will be protected under the same policy. That could not be further from the truth. Your home owners insurance covers your house as a “home”. Depending on the type of business you are operating, the simple actions of running your business could actually nullify your home owners policy. Filing a claim on your home owners insurance based on your home business activities most likely would render it void and could lead to charges of insurance fraud being brought against you.Business insurance is designed to protect your business activities as well as all equipment owned, or used, by the business. This would include any specialized equipment, computers and accessories, office furniture and any other required materials or products needed for your business. If the total value of these items exceed the coverage of your home owners insurance for the contents of your home, you need business insurance.If your business brings customers or clients to your home, you should, at the very least, have general liability insurance. With this type of policy, if your client or customer is hurt or injured while on your property, the claim will be against the business not your home.If your home based business involves consulting services or any type of professional advice, professional liability insurance should be considered. With this type of policy, should a client bring a claim against your business to recover losses due to your advice, you personal property will be protected.Another item to consider is your vehicle. If you use your personal vehicle for business purposes, it should be covered as such. The last thing your business needs is for you to get in an accident while making a delivery only to have your claim denied or worse, be accused of a fraudulent claim.Lastly, if your business has you as its only employee or simply cannot function without you at the helm, disability insurance is a must. This type of policy provide coverage for any wages you would lose should you become disabled and not be able to work.Starting your home based business was a big decision. Protect it.

Home Based Business – 5 Reasons That Right Now Is the Best Time Ever to Start a Home Based Business

You roll out of bed at 10, wander over to your computer and your work day begins… no getting dressed for the office, no stressed out commute, no angry boss. You make the schedule, you make the rules, and you determine how much money you make. Sounds good, doesn’t it? Here are 5 Reasons that right now is a great time to start a home based business.1. It’s always the right time for a Home Based BusinessThat may seem a little silly, but the best time start any business is exactly when you decide that you’re ready to make it happen. You are the primary reason that you business will succeed. So if you are ready to make it happen and willing to put in the effort then there is never any reason to wait.2. Your job is uncertainThe economy is in turmoil right now and none of us can feel completely secure in working for someone else. You have little control over the success or failure of your employer.With a home based business you can begin to control your own future and create income streams that will thrive in any economy. You take responsibility and you create the rewards that you are really worth.3. There are more options than everWith technology and the Internet there are a virtually infinite number of ways that you can create additional income from home. With all of the options available, you can certainly find something that fits very closely with your values, work style and desired lifestyle. A business that fits you is far more easy to make successful than one that you have to conform to.4. Tons of opportunityWith the current economic climate and so many people feeling uncertain about their future, there is a great deal of opportunity. You see, proactive people like you and me are looking for solutions to these problems. The solution often lies in working with others to create home based businesses, or other income opportunities that they can have some control over. You will have tons of eager individuals looking for products and services that can help them create these changes.5. You are still ahead of the packToday, you can still be a leader in the home based business industry. At some point in the future the mass majority will realize that owning a home base business is a good idea and begin to flood the market. If you start today you can be ahead of the pack and position yourself to take advantage of the future flood of new business seekers.All in all, there is no time like the present to take action toward creating a life and lifestyle that is under your control and supportive of your dreams.

Choosing an Internet Home Based Business – 6 Questions to Ask Before Investing Your Money

Owning a successful internet home based business can be very rewarding and extremely lucrative. It offers flexibility to be your own boss, freedom from the traditional 9 to 5 rat race, and the ability to experience a level of financial freedom that only a handful of people will ever truly know. Despite the fact that many people dream about making millions of dollars with an internet home based business, this rarely comes to fruition. Not because it is impossible to accomplish but rather due to the fact that too many people choose the wrong type of home business or they don’t know how to implement the business once they have chosen it.The most important thing to remember when looking to start an internet home based business is to do your research. Learn everything you can about the business before investing in it, including the negatives. There are six questions that should be asked and answered prior to starting any home based business.1. Is this business a system?
A business system is a specific method or plan of procedure with an orderly manner of how things are to be done. Any legitimate home based business will have a solid system in place for new entrepreneurs offering support, encouragement, and advice. If the internet home based business you have chosen to pursue does not have an easy to use system in place, then move on and keep looking.2. Does this business fit your personal skill set? If not, can you realistically learn the skill set needed to succeed?
Countless amounts of home business opportunities claim that you don’t need any special skills to be successful. This just isn’t true. Conducting business on the internet takes a certain level of skill and finesse. You should determine upfront what skills are needed, if you already possess those skills, and if not, can you acquire these skills in a timely manner to ensure your success. A majority of home based businesses require some level of marketing, so it is imperative that you have a basic understanding of this concept.3. Is there a market for your business or product?
If the answer to this question is no, then stop wasting your time and move on to better things. If there is no one willing to buy your product, invest in your business, or use your services, then you are going to fail before you ever get started.4. Is there potential for a large return on your investment?
Nobody is going to invest the time or money into an internet home based business if there is no potential of getting a large return. After all, the goal is to make money.5. Is there a proven track record?
Learn what the pros and cons are from others who have firsthand experience. Do your research and talk to people who have had success and if possible some who have not. A word of caution on this though, when looking online for answers many people will blame their failure on the company, the leadership or something else never looking at themselves as the culprit. Success has tracks!6. Can the system be duplicated and therefore easily multiplied and built to run with minimal ongoing participation?
This is key to creating leverage for yourself that allows you to create the lifestyle you are looking for. The easiest, quickest way to make steady income online is to encourage other people to do what you do by having a system that is easily taught and duplicated. You must be able to teach people to start their own internet home based business under your direction and have them do the same. However, in order for this to work the business system must be easy to duplicate.

Why You Need to Have a Successful Home Based Business

Unless you are a butterfly who hasn’t been born yet or are a larva stuck in that cocoon you may have noticed a insurgence of people starting a successful home based business in the last few years. Coincidence? Why is this happening? If you look at the Internet you will find many reasons.Many people are now realizing (like many have for decades) that there is no security with a job anymore. Ask yourself this, do you know even one person who has lost their job in the last few years in this economy?So why should someone think outside the box and start a successful home based business? Well, there is a big difference having a home based business and running a successful home based business first of all, but you started one to become successful, right? Let me start by addressing the benefits of having a home based business first of all as compared to a w-2 employee.As a w-2 employee you do not get to write off your car mileage every day that you go to work but you can when you have your own business for business purposes. If you travel for your job you do not get to write that off on your taxes either, the company does. You can expense it, but not use it as a w-2 write off. If you are trying to have a successful home based business and have an office at home, you can write off your utility bills based on the square footage of the office space. You can write off supplies for your computer or printer needs, you can also write off your cell bill or internet service if you use those as a way to grow your business. Now, let me say I am not a tax advisor or CPA but when I do my taxes I have my schedule C all filled out with my operating expenses and it has consistently paid me between 8K and 10K dollars a year to have a home based business as compared to having a job and fighting that rat race as many people say on their commutes to work especially on a Monday morning. The many benefits go on and on. Ask your CPA or H and R block guy then next time you do them in a few months here upcoming.Ask your self this question why is the tax system set up differently for different people? Doesn’t it make sense to take advantage of something that can better yourself in the long run and set up a successful home based business. Most of these businesses you can start for less than one thousand dollars.Now, if you are looking at that and saying I don’t have an extra thousand dollars to invest in myself. Then look at what you are doing now and be honest with yourself. Is what you’re doing getting you ahead in life? If not then something has to change or you will always have what you got. Now think of where you work, was that company started with that little of money, odds are probably not. Not to mention all the governmental regulations that businesses have to comply with (not saying it’s all bad) but when I used to work for a governmental compliance company I would hear from a lot of small and medium sized traditional business owners that between workman’s compensation and insurance and rising rates it can be tough to compete with the competition due to the large amount of overhead and to bring in just enough to break even before they even begun to profit. Ask anyone who owns a brick and mortar business and has these issues.So overall it will pay you in the long run to start a successful home based business which is why so many people are getting involved in the network marketing field. In my opinion there is no better model to get all the benefits and advantages for owning your own life again and leave the cell when you’re in cubicle prison. (Sorry I used to be in several of those with my former jobs so I had to say it…big laugh). And one final thought with having a successful home based business. Robert Kiyosaki advises that you start something on your own so that you won’t be part of the middle class who will continue to be wiped out into poverty in this world over the next few decades.

What Are The Benefits From A Home Based Business?

Job security is a thing of the past, in this fast and furious world that we find ourselves in. Keeping up the pace at which we work is a challenge, and the pressure to succeed escalates daily. We feel out of control, working 50, 60 or more hours per week. Meeting deadlines, long hours, daily travel, which for some can be extensive, competition even angry bosses can all be ‘in a day’s work’! And that’s while you have a job. But for how long? Jobs aren’t easy to come by, and they are also not as easy to keep. Gone are the days when you had the same job until retirement. Now is the time to be looking for different directions and careers. Now is the time to take matters into your own hands, and work for yourself.Home based businesses are great. If you choose wisely, and have good management and leadership, you can have huge amounts of success, and working for yourself instead of a boss is very rewarding.Here are eight exciting benefits to owning a home based business.
Low overhead costs
No boss, no employees
You get back control of your life
You work when and where you want
You decide how much you earn, not your boss
Personal growth
More opportunity
Freedom
Even if you need to continue working at your current job, there is no reason why you can’t run a home business part-time, and the best part is, it can be earning a second income for you. Plenty of people started their home business as a part-time option, and have now resigned their jobs and work from home full-time, and enjoying enormous success. It’s very possible.So what do you look for in a home business:
Low set up costs
Strong company with integrity
Full training and support
Solid compensation plan
Residual income
Keep these five basic components in mind when looking for your business concept. They cover the most important factors you require when looking for a good business, and there are plenty to choose from. In fact, working from home is becoming the business model of the future. It’s an ideal source of income for anyone. That’s right. Anyone can run a home business, and with the right training and a desire to succeed, they will make a good income from it. If you choose a business with a compensation plan that includes residual income, the opportunities are even greater. Residual income is becoming more popular than superannuation.The 21st century is the age of technology, and we have the ability to profit from this great era in which we live and work. We should be making the most of every opportunity, and taking control of life, future, and financial situations. Making the decision to own a home based business is strong positive step toward a very successful future and lifestyle.

Colorado Springs Real Estate – Black Forest Homes

Find your dream house property in the Colorado Springs real estate area of the Black Forest. This part of the Colorado Springs real estate area is located in northern El Paso County. The Black Forest is a rural area that is situated on approximately 200,000 acres of land. The area is heavily wooded with mostly Ponderosa Pine trees. Black Forest is a mix of older homes and newer homes. The northwestern Black Forest real estate area includes: High Forest Ranch established 2001-2004, Walden established 1965-2002, Hawk Ridge established 1994-2000, Wissler Ranch established 1996-1999, and Elk Creek Ranch established 1980-1993.

Home Prices & Descriptions

Many of the homes for sale in the Black Forest real estate area are 5 acre house properties. There are mostly ranch style homes and 2 story homes. Some of the homes are custom homes and reflect “country style” living and some of the homes resemble houses that blend into “city living”. Many of these Colorado Springs real estate subdivisions include features such as: multiple decks and fireplaces, slate floors, barns and garages, granite counters, and theater rooms.

The minimum sales price for homes in 2008 in the Black Forest is $375,000. The minimum size Black Forest home for sale is 3,408 finished square feet. The minimum home for sale is 3 bedrooms, 3 baths, and a 3 car garage. The average sales price in 2008 is $650,000 and is 4,527 finished square feet. The average size home for sale is 4 bedrooms, 4 baths, and a 4 car garage. The maximum sales price in this Colorado Springs real estate area is $925,000 and is 5,646 finished square feet. The maximum size home for sale is 5 bedrooms, 5 baths, and a 5 car garage.

One of the newer communities in the Black Forest real estate area is the prestigious High Forest Ranch. The Ranch has rustic custom homes for sale. There are close to 20 different custom builders to choose from. Some of the homes in this Colorado Springs real estate area are situated on 2.5-5 acres of land. Residents in the High Forest Ranch area have community lodge at their disposal for those special occasions. The custom homes for sale in this Colorado Springs real estate area range from $499,900-$3.5 million. Amenities for some of the homes include: multiple fireplaces, slab granite counter tops, vaulted ceilings, great rooms, family room, master retreats, theater rooms, billiard rooms, wine rooms, travertine flooring, outdoor covered decks, and wet bars. Many of the Colorado Springs homes for sale in this area have extensive timber and stone features.

The Walden real estate area has beautiful custom ranch style homes with lots between approximately 1/2 acre and 1 acre in size. Many of the homes have stucco exteriors and resemble more of a “city look.” Some of these Colorado Springs real estate neighborhoods include: custom cabinets, molding and trim, granite slab kitchen counter tops, hardwood floors, multiple fireplaces, 5 piece master baths, vaulted great room, stucco exteriors, perennial gardens, offices, recreation rooms, game area, formal dining rooms, wood decks with hot tub, walk-out rancher, and gourmet kitchens. Homes for sale in this Colorado Springs real estate area range from the high $200,000s to just under $600,000.

In the privacy of the pines is the prominent Hawk Ridge real estate area. Hawk Ridge has homes for sale on approximately 2.5 acres or less. Many of the homes are custom homes with features like: hardwood floors, walls of windows, multiple fireplaces, French doors, granite kitchen islands, custom cabinets, hand crafted banisters, ponds, walk-out dining area, and large decks. The homes for sale in the Hawk Ridge community range from the approximately the mid $500,000s to 1.3 million dollars. This part of the Colorado Springs real estate area borders the Black Forest area.

The Wissler Ranch homes for sale range from the mid $400,000s to $900,000. Some of the homes have luxurious living and family rooms, huge open kitchens, spacious master suites, home theaters, wine cellars, exercise rooms, recreation rooms, and 5 piece master baths. Many of the homes are on approximate 3 acre lots. Some of the homes are gorgeous cottage style houses with old world charm. The homes for sale in this Colorado Springs real estate area range from the mid $450,000s to the mid $800,000s. The Wissler Ranch community also borders the Black Forest area.

There are some homes for sale in the Elk Creek community in the low $200,000s. The homes are located in meadows and in the woods. Most of the homes are on five acre lots and are zoned for horses. Some of the homes have beautiful mountain views and some are located in the meadows and have natural streams running through the properties. Many of the homes include barns, storage sheds, fences for horses, RV parking. There are custom homes in this community. Find your perfect dream horse property in this Colorado Springs real estate area. Amenities include: vaulted/beamed ceilings, large kitchens, fireplaces, skylights, multiple decks, oversized garages, and covered stalls.

Schools.

The schools of attendance are: Lewis Palmer Elementary School, Ray E. Kilmer Elementary School, Lewis Palmer Middle School, Creekside Middle School, and Lewis Palmer High School. The schools are part of the Lewis Palmer School District 38 boundary area.

Neighboring Communities.

The Southwestern portion of the Black Forest is located to the south and contains the Black Forest Regional Park. The Black Forest extends to the east. The Kings Deer, Canterbury, Fox Run, and Cherry Creek Crossing subdivisions are situated to the west.

Commuting.

The northwestern Colorado Springs real estate area of Black Forest is located near Highway 83 and County Line Road. It is convenient for commuting to Colorado Springs and Denver. This part of the Air Force Academy real estate area is located approximately 30 minutes or 22 miles from the USAFA main gate and is a possible Colorado Springs military relocation choice.

Recreation.

The High Forest Ranch community has miles of hiking trails and open space. It is close to the Tri-lakes real estate area. Three lakes and multiple golf courses are located in the Tri-lakes area. Shopping is close by in Monument, Castle Rock, Denver and Colorado Springs real estate locations.

Trust Deed Investors: One Way to Get Investment Income in a Low Return Environment

It is most generally acknowledged that the person’s early years such as the twenties is the best time to start investing. After all, you have all of life ahead to invest money which is why so many books on investment – most actually – are geared towards the twenties. Fewer are towards the thirties, and even fewer towards the forties and retirement. This may be partly why trust deed investing is so appealing. In today’s low-return low-interest-rate environment, trust deed investing is one of the few investment options that can help you substantially increase the amount of your monthly income. And little expense is involved. (Although risk is another matter).

What is trust deed investment?

Trust deeds are like a private real estate loan. If you’re a real estate entrepreneur (for instance) who wants to snap a fast loan to rehab a piece of property in order to sell at a profit, trust deed investors may be your best choice. They’d give you the loan in a blink’s eye far faster than the bank where it takes drawn out negotiations and filing of hefty tomes until you get that loan. (If at all). The average amount of time is 60 days. Some entrepreneurs cannot wait that long. They need to snap that deal and that’s where the trust deed investor comes in handy. He forks over your required funds within that same week, sometimes that same day at 1/3rd of the paperwork and nil of the stress. The downside is that the borrower pays a much higher rate than he might for a mortgage, typically 8% to 12% (since the investor is taking more of a risk).

How does it work?

The process is such that the buyer works through a third-party loan originator who underwrites and facilitates the loan for one year. Schedules can be restructured, but generally the borrower makes interest-only payments each month and a balloon payment of the principal once the loan reaches its maturity.

So let’s say you’re the investor and you fund 250,000 at 10% APR, you’ll either receive 12 interest payments of $2,083 each, totaling $25,000, and at the end of the year, get back your $250,000. Or, in the worst case scenario, you pocket the defaulting borrower’s land.

Other things you’ll want to know…

There’s no set minimum for investing in a single trust deed. They can be fractionalized – that is, divided into several portions – but loan originators generally prefer to deal with one investor per loan.

Finding trust deeds to invest in can be difficult. Your best bet may be to find an experienced broker or advisor with a history of success. These have likely established relationships with originators and you can work through them. If you don’t want to hunt these deals down, you might invest in a trust deed fund run by a professional manager. These funds currently pay between 8% and 11% per year and have minimum investment amounts that start around $50,000.

To acquire credibility, you may want to consider running for SEC licensing.

Pluses of investing in trust deeds

The pluses are particularly topical now with the Fed hiking its interest rates and maybe hiking them still higher. Trust deed investments protect you from the shenanigans for rising rates because they’re held to maturity and have short durations. You can also use any sort of cash to invest. You automatically have the right to foreclose on any property when the borrower has defaulted on the loan. Trust deed investing can open the door to other investment opportunities. It also offers a return on investment that comes in at higher than average; expect a typical return of 9 to 14 percent. And, if managed well, this type of investing is secure. This is because it has a guaranteed yield.

Minuses of investing in trust deeds

The obvious minus is the very likely possibility of your investment defaulting, namely the borrower not paying you back. This happens to approximately 85 % of private money lenders at some time in their lives, some more than others. Redfin, a residential real estate company that provides web-based real estate database and brokerage services, predicts that it is going to happen to many more this coming year when housing prices are going to lurch beyond restraint

Managing risk…

How can you prevent losing your money? Experts strongly advise lenders to research client’s credit history and trustworthiness. They also recommend that you research the value of the client’s property and the extraneous market environment to the point that you physically investigate the building yourself. If you’re not up to this, consider hiring an advisor with experience in this market. Before you invest, analyze a fund’s portfolio and the loan loss reserves. As with individual trust deeds, you may want to have a professional do this.

In short…

NerdWallet, one of the leading advisory websites on investments has this to say: If you exercise due caution, trust deed investments can be a great income generator at a time when investments that produce good returns are few and far between.

You may want to consider it.

Yanni Raz is a hard money lender and trust deed investing specialist from Los Angeles California. Yanni write related blogs to educate potential real estate investors. “Before investing your money in any deal, read my articles.”

How To Succeed At Online Product Creation The Easy Way

Product creation could be a frightening subject for a lot of Internet marketers to face. Some folks who get in the game with the intention of making a full time income are completely ignorant as to how an online business operates. One of the most profitable ways to create online cash is by creating a product that others are happy to pay for.

Product creation is legitimate method of generating money through internet marketing but many entrepreneurs get it wrong. They start by imitating their Internet marketing gurus by creating information products on Internet marketing in hopes of getting rich the way their heroes did. The problem is that they usually don’t know what they are doing and enter a highly competitive niche with very little marketing experience or connections.

Here are a few tips for effective product creation that may help you get on the right track:
Start by finding a profitable niche with low to moderate competition. If you conduct some rudimentary market research and keyword research, you’ll find many opportunities in areas that will surprise you. Amazon and eBay are two great places to brainstorm for product ideas.

Developing Your Product does not have to be a difficult project. You can find experts in the right field for your niche and pay them to write the material while an artist designs the packaging and website or blog. You can outsource the entire product creation part of the project after you conduct the research and testing to ensure profitability.

Sales and marketing strategies should be created while developing the product and learning about the market. Some experienced marketers use pay per click to drive traffic to their offer page; some folks outsource the entire marketing campaign to affiliates through ClickBank or other affiliate programs.

Product creation does not need to be hard, particularly when the merchandise is electronic. E-books, videos, audio and multi-media products sell very well. They are distributed immediately to customers electronically. Once you have a good feel for a niche market, try to service your customers with associated products and upgrades. If you want to earn money online through product creation, you must understand supply and demand. The majority of new online marketers fail miserably because they go after highly competitive markets or forget to research their chosen niche properly. You have to create your products according to the needs, wants and desires of the prospective customers.