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Investing in Real Estate With No Money Down IS Possible…
However, it depends on how you define "Investing in real estate with no money down." More specifically, how do you actually "own" the real estate for little money down.
The purpose of this post is simply to inform you of a few possibilities that you may have not considered. While the methods of investing are numerous, I am simply trying to put my "two cents" in on the most basic form. Wholesaling, or "assignment of contract."
Wholesaling for Profit As A Career
Believe it or not. There are actually people who have made a career out of assigning property for a living! When you think about it, there are many non-Realtors® who have spent thousands of dollars to know one simple fact about real estate.
Buy a property low, sell it high. That's simple. What's not easy is the how.
So then the question is, if other people have invested in real estate with zero credit, bad credit, and no money down, when will you?
Now Comes the Inevitable…How.
The good news about beginning a career in wholesaling real estate; as either an addition to your already rocking residential real estate agent business, or as a new beginner, the training is easily available!
With blogs like TenMinuteSkill, podcasts like The Red Pill Investor and more, you are able to learn the specific steps you need to take to gain an edge over your market! It's actually a lot easier to integrate investing in real estate in your daily routine than you might think! For example!
- You are driving down the road on your way to your friends house. You see a house with a large tarp over a portion of the roof. The house appears run down and in disrepair. What if it were just possible that they would consider selling this problem instead of fixing it?
- You are in a local meeting. You overhear someone stating that they are moving to Tuscaloosa Alabama, and they are wanting to sell their home quickly, but without a Realtor®. Would you know what to do?
- You are in the grocery store. You see a flyer about a house for sale by owner. You take the number on the cutout portion. It is an estate sale. Do you know what do say?
The Good News!
No matter if you are licensed, or unlicensed, if you could see yourself in any of those three situations, then the great… no… Awesome news is that you are able to be a real estate investor! Why any of those situations are awesome for you is that you can actually invest in every one of those situations!
You might have heard about people who charge thousands of dollars for that kind of information. Certainly, many of those may have ulterior motives. However, I will simply let you decide for yourself!
You see, it occurred to me. In all the posts, blogs, videos, podcasts, and other things I have written, I've never really said the obvious. I've sort of assumed it was always true.
However, if you are new to me, or are just hearing about TenMinuteSkill for the first time, then know this. Know you can start investing today. Right where you are, with zero money down. You simply need to know how. The how, is easy to learn, and simply takes time to practice to perfection.
Here is a complimentary book that I wrote about the sales skills you need called "Sales Skills For Real Estate Investors" and a copy of "The Red Pill Sales Scripts v. 5.0" to help you in the beginning stages FOR FREE!!!!!
800 Pound Gorillas
It's been said that there is risk in everything you do. That there is a cost for everything. I would agree. Furthermore, I would add that in wholesaling, the risk is exceptionally low, the cost is practically non-existent, and very beneficial for your community if done properly.
It is my belief that your community, if like mine, has suffered greatly during this recent economic downturn. If you have ever had a thought in your mind to get involved in real estate with conviction and passion, then this is the time. This is your moment. There will never be another time that is better than right now for you to take action and get your goals.
If you are new to wholesaling, then no worries. We have tons of free and inexpensive ways to learn how to talk to Sellers, work with buyers, and much much more!
I as a professional myself, look forward to helping you! Please drop a line and let me know how we can help you!

subset: commoncrawl


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The rally in Eurozone government bonds has been dramatic over the last two years and has maintained its momentum into this year. German bund yields have dropped to just 1.3 percent (from 1.9 percent last September) while yields in the peripheral Eurozone states (Greece, Spain, Portugal and Ireland) have compressed markedly. Greek 10-year yields are now below 6 percent, having been 10 percent last September, Portuguese yields have halved from 7 percent to 3.5 percent and Spanish and Irish yields have fallen from 4-4.5 percent to 2.5-2.7 percent.
So Spanish and Irish bonds, seen at risk of default just a few years ago, are now yielding the same or even slightly less than US Treasuries. Why has this happened and is it sustainable?
In our view the rally reflects in large part a dramatic reassessment of credit risk. One factor behind this has been improving fundamentals in the peripherals. Budget and current account deficits have generally come down.
In addition, there has been a general compression of risk spreads across assets. This is partly linked to the decision by the US Fed to embark on a third round of quantitative easing (QE) in September 2012 and also to subsequent dovish guidance on interest rates.
But the biggest impact in our view has come from a change in the way that investors view sovereign credit risk in the Eurozone. This may be traced to the now-celebrated 'whatever it takes' speech by ECB President Draghi in July 2012. In this speech, Draghi made clear that the ECB was not willing to tolerate any risk to the integrity of the Eurozone currency from dysfunctional bond markets in the peripherals. If necessary, the ECB would step in to backstop bond markets.
Moreover, developments in inflation and growth in the Eurozone have also supported lower bond yields – and possibly further compression still. Inflation has been hovering around 0.5 percent for several months now, and with economic growth also subdued the ECB has made it clear that short-term interest rates will remain very low for an 'extended' period.
Against this background, government yields in the 'core' countries are likely to remain very low and even drop further. The possibility of a Japanese-style world where short-term interest rates are permanently stuck near zero is coming into view. This will tend to reduce longer-term yields not only by reducing the expected future path of short-term rates but also by reducing the term spread in longer-term rates.
In the peripherals, meanwhile, inflation is even lower than at the Eurozone-wide level. Indeed, Greece and Portugal are experiencing falling prices.
If investors start to believe that current low inflation rates in the peripherals are here to stay, then these real yields will look very attractive and may well be forced downwards.
A deflationary environment, permanently very low short-term rates and a perceived absence of default risk could add up to a Japanese-style future for Eurozone government bond markets.
Arguably, Eurozone bond markets are already shifting in the Japanese direction, and perhaps at a faster pace than occurred in Japan. German 10-year bund yields at 1.3 percent are already at the levels seen in Japan in the late 1990s. But bund yields could yet drop further, compressing below 1 percent, if the Japanese pattern continues to be followed.
For the peripherals, a Japanese-style future would also imply further yield compression. If core yields held at around 1 percent, and if credit spreads over Germany were to revert to end-2008 levels, this would imply yields around 3 percent for Greece, 2 percent for Spain and Portugal and 2.5 percent for Ireland and Italy.
There are also reasons for caution concerning the prospect of further yield and spread compression in the Eurozone bond markets.
The first of these relates to the overall investment environment. The period since Q3 2012 has been a buoyant one for risk assets helped by Federal Reserve policy, but the Fed is now tapering asset purchases and will start raising rates next year. This may lead to a shift away from risky assets, pushing Eurozone peripheral bond spreads up.
Another objection to the idea that Eurozone peripheral yields and spreads could decline further is that it is simply wrong to assume that credit risk has become negligible in Eurozone bond markets. The example of Greece, and to a lesser extent Cyprus, shows that the Eurozone authorities are prepared to inflict heavy losses on investors if they see fit.
Politics: A final source of risk is political developments. Arguably, the case for further declines in government bond yields in the peripherals rests to a great extent on a political calculation. The bullish political case argues that the Eurozone authorities have removed default risk from the Eurozone bond markets so that troubled countries will get serial bail-outs if necessary.
The bearish political case would point to two risks: that the Eurozone creditor countries tire of bail-outs and once again impose losses on private sector investors, or that debtor countries tire of the austerity policies imposed as a condition of external financial support and decide upon a unilateral restructuring of debts.
Currently, neither of these bearish risks appears very elevated. The Greek default was a chastening experience for the Eurozone governments, causing a degree of contagion that threatened to split the Eurozone apart. We doubt there is much appetite currently to risk a repetition of this – though 'creditor fatigue' in the longer-run could re-emerge.
The writer is senior economist at Oxford Economics.
– Contact us at [email protected]


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Papa (Tony) here.
We had the 1st baby shower yesterday.
In true Mississippi form, we combined our Marriage vows with our Baby Shower.
Yeah, we got married. The big tying of the knot. Game over. Check and mate.
Yep… that's our amazing surrogate officiating
We have Registered Domestic Partnership here in Washington State, but it's called "Everything But Marriage". Or as I refer to it, "Marriage Light". It gives us a TON of legal protections for each other, and for the baby. But mostly, I just love Mike, and wanted to make it real and legit.
I am so in love with this man…
The ceremony went off in perfect weather, with a perfect altar that our friends set up. The garden was incredible. The music even worked out. We performed a "handfasting" ritual, using all the colors of long ribbons, each signifying a quality in our bond. It turned out beautiful, the knot held, so I did not escape. With our friends looking on, we declared our love for each other. Mike even shared his true feelings about some of my favorite clothes (my COOL t-shirts), which he doesn't like. I am, for all intensive purposes, a MARRIED man.
Mike and I and my mother in law
Mike and I with my father in law
Then we did the Baby Shower. I have never BEEN to one before, and was unprepared. I needed practice on what to say as each gift was open, as I ran out of things to say after "AWWWWW", and "Super Cute!!!", and "she'll love this". After the 12th gift, I felt like a goof. The gifts were amazing, thoughtful, and adorable, I just didn't make the cut on my what I was supposed to say.
But it was alot of fun. And I got to hang out with people who were excited that Zoey was coming.
See the confusion on my face? And Zoey's BIG SISTER helping!
I can't speak for Mike on this one, but I am in awe of our friends in preparing for this Baby Shower and our Ceremony. I didn't know what treasure we really held till yesterday. Maybe that's the point of these showers after all, that you won't be going it alone....


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Based on our may years of conducting tours in Japan we have put together a sample itinerary for an exciting tour that would give you fourteen days to explore the rich and beautiful textures of life beyond Tokyo.
Day 1
Arrive Narita Airport, usually late in the afternoon; met by Steve or one of our associates as you exit Customs. Train ride into Tokyo; check in to Hotel. Brief gathering to get acquainted.
Day 2
Our first full day starts with riding a Bullet Train (Shinkansen) north to beautiful and historic Nikko, nestled in the mountains. We will see the mausoleum where Ieyasu Tokugawa, the most famous Shogun, is interred. Also included are many other noteworthy sights – colorful temples and shrines untypical for Japan; the "sleeping cat;" and "hear no evil, see no evil, speak no evil." Back in Tokyo we will head an old neighborhood rarely visited by outsiders. I will treat you to an Included Welcome Dinner (Yakitori) in a tiny, very delightful eating place. This evening I guarantee you will see and hear about aspects of Tokyo very few tourists have ever encountered. Overnight in Tokyo.
Day 3
Leaving Tokyo we will ride trains to Matsumoto, a lovely city on the eastern edge of the Japan Alps. After dropping our luggage at the hotel and taking time for lunch, we will head over to the Ukiyo-e (wood block prints) Museum. In the evening we will walk over to Matsumoto Castle, beautifully illuminated, creating reflections in the moat which surrounds it.
Day 4
A bus will take us across the beautiful Japan Alps to Takayama. Our lodging (for two nights) will be a spectacular, family-run Ryokan (Japanese Inn). Before checking in we will take a walk around this quaint mountain town, and visit the Floats Museum. Our Included Dinner will be sumptuous.
Day 5
Breakfast in our Ryokan will be a treat, preparing us for a morning of sightseeing in this beautiful mountain village. A short trip to Hida-no-Sato will enlighten us regarding the history and customs of this mountainous region. In the afternoon we ride by bus to Hirayu Onsen (hot spring) for a good soak. Included Dinner at our Inn will again be memorable.
Day 6
Descending from the mountains we will head to Hiroshima. After dropping our luggage at the hotel we will walk to Shukkeien Garden, followed by an informative self-guided tour of Hiroshima Castle. Overnight in Hiroshima.
Day 7
We begin the day at the Peace Park and the Peace Museum. After a stop for lunch (Hiroshima-style Okonomiyaki) we will catch a ferry to Miyajima, passing the famous Floating Torii Gate on the way. There is much to see on the Island; the literal high point of our visit will be atop Mt. Misen, reached by cable car. Overnight again in Hiroshima.
Day 8
Traveling by trains we will cross the channel to Japan's remote fourth island, Shikoku, with its grand mountain peaks and plunging river gorges. Our two-night stay in another Ryokan will Include delicious Dinners and a chance to catch our breath.
Day 9
We will spend the day exploring remote and peaceful Iya Valley. Weather permitting we plan to ascend Mt. Tsurugi. Or you may opt to visit the geological museum Lapis Oboke with its collection of minerals and gems, or just relax in the hotel spa. Dinner is again Included.
Day 10
A train will carry us back to the main island, Honshu. We will spend four days in Kansai; our hotel in Osaka will serve as our home base. After dropping our luggage and taking time for lunch, we will travel to Nara, the ancient home of the Imperial Family. Kasuga Shrine, a World Heritage site, will give us insight into the roots of Japanese culture, enhanced by the contributions of our knowledgable local guide. Todai-ji Temple is the world's largest wooden structure, housing the largest bronze Buddha in Japan. After time to get dinner we will head to Osaka for the first of four nights.
Day 11
It is a short ride by Shinkansen to Kyoto. Our day of sightseeing will start with Kyoto's unusual Train Station, and then include the famous rock garden at Ryoan-ji; lovely Kinkaku-ji (the Golden Pavilion), and Ginkaku-ji (the Silver Pavilion). Overnight in Osaka.
Day 12
It's not too far to scenic Kurashiki, giving us a chance to explore rice storage buildings from the feudal era, now housing museums. The Ohara Museum of Art is known for its impressive collection including works of numerous Impressionists. We can stop in Okayama for dinner on the way back to Osaka.
Day 13 The Bullet Train will bring us to Himeji to see the recently restored Castle, a World Heritage Site. Back in Kyoto we will start at Kiyomizu Temple on the mountainside, and then explore other significant sights before we pass through Gion (if we are lucky we will see Geiko - formerly known as Geisha) and the Pontocho restaurant district. I hope you will elect to join me for a sumptuous Kaiseki feast before we head back to our Osaka hotel.
Day 14
Leaving Osaka, we will head to Yokohama by Bullet Train. After storing our luggage we will ride by train to the ancient coastal town of Kamakura where we will see the Great Buddha, plus Hase-dera, with its unique nooks and crannies. Then, after reclaiming our luggage, we will take a final ride on the Shinkansen, this time to Tokyo. After checking in to our Hotel I suggest we enjoy Shabu-Shabu for our Included Farewell Dinner on this, our last night together. Overnight in Tokyo.
|2 persons
|4 persons
|6 or more persons
Pricing includes:
*Pricing is for a Land-only tour; you are responsible for getting to and from Japan.
**Note regarding meals: This sample itinerary would include breakfast each morning, plus a few other meals as indicated in the itinerary (labeled "Included"). If you wish to enjoy a thorough and excellent exposure to Japanese cuisine we suggest you budget about $35 - $50 US per day for non-included meals.
Contact us regarding a private tour now!


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We all study…something...daily. We study things we must study for school or work. And we study the things that excite our hearts. The latter is what faithfully and vividly displays the fruit of what we most love, cherish, and value in life. Regardless of what any of us may profess with our mouths, what we choose to study, without any external prodding, discloses the deepest desires of our inner most being. What we choose to study versus what we must study is what develops our character—establishing how we think, act, and feel about every aspect of life.
If you love food you will research/study it: nutrition and calorie content, medicinal uses, flavor profiles, food prep and cooking methods. If you love photography you will research/study it: best camera to use, best indoor and outdoor lighting, editing software, and angles. If you love your spouse and children, you will study how to best love and care for them as God commanded: how to keep the home, how to budget and be good stewards of all the good God has given you, how to best communicate and pray for your family, all to the glory of God. If you love the Lord your God, you will research/study Him: seeking His will, glory, and pleasure through readying, studying, meditating, memorizing His Word; praying without ceasing in accordance with His Word, and fervently seeking opportunities to work out your salvation as you see Day of Christ approaching nearer and nearer.
"Praise the LORD!"I will give thanks to the LORD with my whole heart,in the company of the upright, in the congregation.Great are the works of the LORD,studied by all who delight in them."
~Psalm 111:1-2, ESV
A few weeks ago, my soul was immensely refreshed and well-fed through Dr. R.C. Sproul's teaching lessons entitled, Why Study the Bible? and Private Interpretation. Though I've watched and listened to these lessons before, I enjoy watching and listening to them at least once, every year. Why? Because every time I watch and listen to Dr. Sproul teach on these basic, life-long practices for every Christian, I learn something new. And my heart grows fonder as its drawn nearer to my Lord and His Word.
I strongly encourage all of you to examine your hearts, as I do, with the Word of God, so that you too may know what you love most: the Lord Jesus, or all that is in the world (1 Jn 2:16).
For to God, it is never about what we profess or the way we describe ourselves to others that reveals where our devotions lie. But it is what we obey on a daily basis that reveals what masters our souls (Mt 7:21-23, 1 Jn 2:17; 5:3-4).
"And now, little children, abide in him, so that when he appears we may have confidence and not shrink from him in shame at his coming. If you know that he is righteous, you may be sure that everyone who practices righteousness has been born of him."
~1 John 2:28-29, ESV
If you'd like access to more resources that have a high view of God and therefore, the right view of man, please refer to my Resources page.
Now to him who is able to keep you from stumbling and present you blameless before the presence of his glory with great joy, to the only God, our Savior, through Jesus Christ our Lord, be glory, majesty, dominion, and authority, before all time and now and forever. Amen. (Jude 1:24-25)


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Once you've decided to employ SEO services to make your company's web presence improve, the challenge is to hire the right agency to provide you the services. It's important for you to know that in the SEO game, one plan doesn't just work for everyone, you need to have it custom made for your brand to suit your needs, otherwise your site may definitely attract visitors, but it's not necessary that they would turn into paying customers. To help change that, you need to make sure that the interests of your SEO agency is to generate profits for you, not just increase the number of clicks your website gets.
Do they employ white hat, black hat or grey hat methods
This is very important as if your website is found using black hat methods, it's very likely to get banned from the search engine listings completely. Apart from that, black hat and grey hat methods will just get you clicks but no revenue. So, before working with a firm, make sure they use white hat methods only.
Do they have a plan to determine the target keywords
Research and planning is very essential for tailoring the SEO plan specifically for your brand. You need to inquire the firm about their program and decide if it is in the best interests of your company.
Will they help analyze the site design
This is the part that will ensure that your visitors turn into customers. A good SEO firm would help analyze the way your website is designed and tell you how it would affect the visitors' experience and how to improve them if required. You should also ask them if they work with your existing content or would write new content for you.
Are they trustable
Everything comes down to this, as an agency that would promise you everything and not deliver would just waste your time and money. So make sure they are trustable and have good reviews from their past clients. For instance, MediaOne provides the best SEO services Singapore has. You can find the best agency in your location with a quick Google search and check their reviews.


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David Cameron's reshuffle is likely to have cost the taxpayer over £200,000 in tax-free pay-offs to ministers and special advisers.
Under Cabinet Office rules, ministers are entitled to receive the equivalent of one lump sum payment, worth three months of their ministerial salary.
Ministers can waive their pay-offs if they want to but the Cabinet Office said it had not been notified of any MPs offering to do so.
Most of the 16 ministers who lost their jobs were ministers of state who will pocket nearly £8,000 each.
Cabinet ministers Owen Paterson, the former Environment secretary, and David Jones, the former Welsh secretary, will get nearly £17,000 each.
The total from the ministerial settlements is more than £165,000. However this will swell again when payments to special advisers who worked for the former ministers are taken into account.
Special advisers are entitled to three months' pay plus a month for every year worked up to a maximum of six months' pay. All the sums are free of tax if they are less than £30,000.
Labour MP John Mann said the ministers should refuse the pay-offs and instead contribute them to the Government austerity programme.
He said: "They should not get a penny in these days of austerity with pay freezes across the public sector. There is no basis for any minister to get a pay-off."


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Hi. I'm currently facing a problem to format my laptop with the new Windows 7 OS.
it seems that I can't proceed to the Windows Setup screen.
I'm currently using a Windows XP professionals SP1. Laptop model: Dell Inspiron 6400,1GB RAM, centrino dual core.
the problem is like this:
While I was trying to boot up my lappie to W7 with the usual standard procedure:
Insert OS disc> Restart yr Laptop> Press F12 > Boot Menu > option 3: CD/DVD/DR_drive> black screen with a flashing _ on the top left corner > THEN, it proceeded to Starting Windows Screen (it SHOULD be Windows Setup page!!!) > and finally, Computer dekstop =.=
I have tried it so many times, and it's still proceed to Starting Windows Screen by ignoring the Booting system
Why does this happen? and how to solve it?
Thanks in advance! :)
Is it an original DVD of Windows 7 or a copy? Do you have a DVD drive in you laptop or just a CD drive? Do other DVDs work in your drive?
It's a copy. Yes, I have a DVD drive and of course, i used to watch DVD films with it.
Although it's just a copy, I can proceed to Windows Setup Screen with my another similar Laptop (same model).
But this laptop seems to be acting so strange
CD and DVD drives can be finicky. Sometimes they don't like certain brands of discs. You might try burning it to a different brand and see if that works.
Watch for a screen instructing you to hit any key to boot from the CD.


text:
Marked for Death - Matt Hilton
This is a rollercoaster ride of a book, highly recommended 4 🌟 🌟 🌟🌟
Joe Hunter has been Marked for Death in his most explosive outing to date
It should be a routine job.
Joe Hunter
and his associates are hired to provide security for an elite event in Miami. Wear a tux, stay professional, job done.
But things go wrong.
Hunter is drawn into what appears to be a domestic altercation. When he crosses the mysterious Mikhail however, he soon finds something altogether more sinister…
Before long this chance encounter has serious repercussions for Hunter and his friends. Good people are being killed. On the run, in the line of fire, the clock is ticking.
From the bars of Miami beach to car chases and superyacht grenade battles, bestseller Matt Hilton dials up the intensity in this rip-roaring, set-piece filled thriller perfect for fans of Lee Child, David Baldacci and Stephen Leather.


text:
Napa County Residents May Register for Disaster Assistance
Sacramento—Residents of Napa County who suffered damage or losses from the devastating fires that began October 8, 2017 and continue to burn, can now register for disaster assistance with the Federal Emergency Management Agency (FEMA), if they are able to do so.
The amendment to the presidential disaster declaration of October 10, 2017 now makes federal assistance available to eligible individuals and business owners in Napa in addition to Sonoma County. Damage assessments are continuing in other areas, and more counties and additional forms of assistance may be designated.
Survivors who primarily reside in Napa and Sonoma counties can apply online at DisasterAssistance.gov or by phone at 800-621-3362 or (TTY) 800-462-7585. Applicants who use 711 or Video Relay Service may call 800-621-3362. The toll-free numbers are open 7 a.m. to 10 p.m. seven days a week.
Applicants will be asked for the following information:
- Social Security number
- Address of the damaged primary residence
- Description of the damage
- Information about insurance coverage
- A current contact telephone number
- An address where they can receive mail
- Bank account and routing numbers for direct deposit of funds
Disaster assistance for homeowners and renters may include grants to help pay for:
- Temporary housing
- Essential home repairs
- Uninsured and underinsured personal property losses
- Other serious disaster-related needs not covered by insurance.
Low-interest disaster loans from the U.S. Small Business Administration (SBA) are available for businesses of all sizes (including landlords), private non-profit organizations, homeowners and renters. Disaster loans cover losses not fully compensated by insurance or other recoveries.
FEMA grants do not have to be repaid. FEMA assistance is nontaxable and will not affect eligibility for Social Security, Medicaid or other federal benefits.
Registering with FEMA is required for federal aid, even if a survivor has registered with another disaster-relief organization, such as the American Red Cross.
Survivors should register even if they have insurance. FEMA cannot duplicate insurance payments, but underinsured applicants may receive help after their claims have been settled.
The amendment also adds Orange and Solano counties for Categories A and B and direct federal assistance under the FEMA Public Assistance program. This program is available to the eligible state, local and tribal governments and certain private nonprofit organizations, on a cost-share basis, for debris removal (Category A) and emergency protective measures taken to save lives and protect property (Category B). Butte, Lake, Mendocino, Napa, Nevada, Orange, Solano, Sonoma, and Yuba counties are also eligible for Categories A and B and direct federal assistance under the Public Assistance program.
For more information on California recovery, visit the disaster web page at www.fema.gov/disaster/4344, Twitter athttps://www.twitter.com/femaregion9 and the CalOES website, http://www.caloes.ca.gov/ .