Valentine History

Under the rule of Emperor Claudius II Rome was involved in many bloody and unpopular campaigns. Claudius the Cruel was having a difficult time getting soldiers to join his military leagues. He believed that the reason was that roman men did not want to leave their loves or families. As a result, Claudius cancelled all marriages and engagements in Rome.

The good Saint Valentine was a priest at Rome in the days of Claudius II. He and Saint Marius aided the Christian martyrs and secretly married couples, and for this kind deed Saint Valentine was apprehended and dragged before the Prefect of Rome, who condemned him to be beaten to death with clubs and to have his head cut off. He suffered martyrdom on the 14th day of February, about the year 270.

Valentine Tradition

In the Middle Ages, young men and women drew names from a bowl to see who their valentines would be. They would wear these names on their sleeves for one week. To wear your heart on your sleeve now means that it is easy for other people to know how you are feeling.

Valentine Symbols

Around 12th Century people were not aware the function of heart was to circulate blood inside the human body. What they knew was that heart begins to beat faster when a person is upset or excited. They, therefore, derived that heart was the seat of emotions and feelings. Poets too eulogized the role of heart in feelings of love and romance and over the years this make believe connection between heart and love became deep seated in the minds of people.

Popularity: 12% [?]

When you think of real estate investing, a number of things may come to mind. Depending on how familiar you are with real estate investing already, you might think of real estate portfolios and real estate retirement plans, or you might focus on short sales, bulk reo investing and virtual real estate investing. Likely you also wonder how these things will factor into your life as a real estate investor in the current economy.

There is a great deal to know about real estate investing. Getting the most out of real estate investing education involves being familiar with basic RE info. You will get the most out of anything to do with short sales, bulk reo sales, virtual real estate and just improving real estate investor abilities by knowing some real estate investing basics. Review these three real estate investing basics that even some experts dont yet know:

1. You will always end up with a positive yield when you invest in real estate investing education. Every real estate deal has the potential to create thousands of dollars in potential wealth. Knowing about getting that wealth is the key in the end to your success. Knowing more about real estate betters your odds of success when you do a real estate deal. Implementation of your small educational investments yields big results.

2. You can succeed in real estate investing in any economy. Many people think that you can only succeed in real estate when the economy is booming. In reality, a bad economic situation is not bad for real estate investors. You can often find properties to buy at deep discounts. Also, you might find deals that simply could not exist in a booming economy. Real estate investing may also turn the tide for a poor economy. Short sales, bulk reo sales and virtual real estate all thrive when the economy is less than thriving. You will be able to save yourself and others from serious financial difficulties if you know how to do these deals.

3. You do not need lots of your own cash to be a successful real estate investor. You can succeed in the real estate investing arena no matter how much money you are working with. Many types of deals enable you to use other peoples money to do them. If you appear to be a solid investment you may be able to use a private lenders money. A good investment will know as much as they can about real estate investing. This will enable you to show people who have money for real estate investing but may not know how to use it that you are a good investment.

Real estate investing is a great way to create a good amount of wealth. You can create a good income no matter what the state of the economy. By using a base of knowledge of real estate investing, short sales, bulk reo sales and virtual real estate you can create success for yourself. Real estate investing basic knowledge will help you succeed as a real estate investor.

Popularity: 5% [?]

The term real estate investing likely brings a number of things to mind. Depending on how familiar you are with real estate investing already, you might think of real estate portfolios and real estate retirement plans, or you might focus on short sales, bulk reo investing and virtual real estate investing. You may also consider what roles these things play in your life as a real estate investor in different economies.

There is a lot to learn about real estate investing. Getting the most out of real estate investing education involves being familiar with basic RE info. You will get the most out of anything to do with short sales, bulk reo sales, virtual real estate and just improving real estate investor abilities by knowing some real estate investing basics. Review these three real estate investing basics that even some experts dont yet know:

1. Real estate investing education is a true investment that always has a positive yield. Every real estate deal has the potential to create thousands of dollars in potential wealth. Knowing about getting that wealth is the key in the end to your success. When you know about real estate your odds of success increase with each real estate deal. Small investments in education yield big results upon implementation.

2. Any economy allows for success in real estate investing. Often people think that you can only be a success in real estate when the economy is good. In fact a bad economy is not a bad economy for real estate investors. Likely you will be able to find properties at deep discounts. Also, you might find deals that simply could not exist in a booming economy. Poor economies can turn based on active real estate investing. Short sales, bulk reo sales and virtual real estate all thrive when the economy is less than thriving. You will have the option of saving yourself and possibly others from serious financial difficulties if you know about these types of deals.

3. You will not need lots of money to be a successful real estate investor. You can succeed in real estate investing no matter how much money you have. There are lots of deals that you can use other peoples money to do. If you look like a good investment a private lender may let you use their money. The best way to be a good investment is to know as much as possible about real estate investing. This will help you show private lenders that you are a good investment if they do not know about real estate investing themselves.

A good deal of wealth can be generated with real estate investing. You can create income regardless of the economy. You can create your own success using your knowledge of short sales, real estate investing, bulk reo sales and virtual real estate. Knowing real estate investing basics will help you succeed as a real estate investor.

Popularity: 3% [?]

Check out this incredible letter a friend of mine received from one of his real estate investing students:

“I just wanted to send you a quick note thanking you 7,000 times because that is the amount of the check I got on my first deal during your course. I can’t believe that within the first 7 weeks I got this deal and made $7,000.

To be honest that’s just about triple my monthly salary at the job I have. I can’t wait until I can do this full time.

Thanks for your amazing teaching and guidance that you have provided me.

I didn’t believe it before I started. It was a leap of faith that has now turned into reality!”

Chris Niphakis,
Quebec, Canada

My friends name is Tim Taylor and he serves one singular purpose: Tim mentors people that desire to become millionaires, find success and peace, and live a free, unencumbered lifestyle.

His real estate investing program is simple, proven and effectiveto help you build a real estate business of buying and selling a minimum of 25 homes per year that generates an annual profit of at least $250,000, while working 20 hours week (or less).

Tim not only will guide you through a process that has you overcome fear, but he will help you build, step-by-step, a turnkey investing business that will require no more than 10-20 hours per week of your time.

During the program you will focus on the 5 Key Strategies of running a successful real estate business, which include:

1. Six different marketing techniques that attract motivated sellers to call you.
2. How to pre-screening and qualify leads
3. Learning the 6 different buying strategies that do not require money or credit.
4. Creating an Automated Follow-up System
5. How to sell homes quickly using my 10-day Selling System

In addition to these 5 key strategies, Tim will show you how to:

* Set up an asset protection plan, which protects you from financial predators
* Buy houses using land trusts that keep your name off public records
* Use corporations to shield you from liability
* Invest real estate profits into tax-free Roth IRAs

Don’t waste another minute of your life working for someone else. Stand up and take advantage of whats out there. Take action and start your own profitable real estate investing career now!

For more info Click Here!

Popularity: 3% [?]

It is likely that you think of a number of things when you hear the words real estate investing. If you are already familiar with real estate investing you may think of short sales, bulk reo investing and virtual real estate investing or you may think of it in terms of real estate portfolios and real estate retirement plans. You may also wonder what type of role these things can play in your life as a real estate investor in different types of economy.

There is a lot of information out there on real estate investing. To get the most out of real estate investing education, be familiar with basic information ahead of time. Whether you are interested in short sales, bulk reo sales, virtual real estate or just improving your abilities as a real estate investor, you need to know some real estate investing basics in order to succeed. Review these three real estate investing basics that even some experts dont yet know:

1. Real estate investing education is a true investment that always has a positive yield. Every good real estate deal represents thousands of dollars in potential wealth. The knowledge of how to get that wealth is the key to your success. When you know about real estate your odds of success increase with each real estate deal. A small investment in your education can yield big results when you implement your learning.

2. Any economy allows for success in real estate investing. Many people think that you can only succeed in real estate when the economy is booming. Actually a poor economy is not a bad economy for real estate investors. You can often buy properties at deep discounts. Also, you might find deals that simply could not exist in a booming economy. Poor economies can turn based on active real estate investing. Short sales, bulk reo sales and virtual real estate all can thrive when the economy is not. You will be able to save yourself and others from serious financial difficulties if you know how to do these deals.

3. You do not need to have a great deal of money if you want to be a successful real estate investor. You can succeed in the real estate investing arena no matter how much money you are working with. There are lots of types of deals that you can perform with the money of other people. Private lenders will lend you their money if they think you are a good investment. A good investment will know as much as they can about real estate investing. This will help you represent yourself as a good investment to private lenders who do not know how to make money in real estate investing.

Real estate investing is a great way to generate wealth. You can create an income in any economy. By using a base of knowledge of real estate investing, short sales, bulk reo sales and virtual real estate you can create success for yourself. Real estate investing basic knowledge will help you succeed as a real estate investor.

Popularity: 10% [?]

The recession in the U.S. economy has resulted in more foreclosures than experienced by any other generation of Americans. Yet well-funded investors in real estate are seizing upon this opening to profit from an profoundly profitable new opportunity.

The real estate investing strategy du jour is called ‘Bulk REO Investing‘ and is a real monster.

Foreclosures are at the heart of the Bulk REO business, so let’s consider the foreclosure process.

Understanding the notion of Bulk REO’s requires understanding of the foreclosure process.

When a home owner begins to miss payments on their mortgage, the lender begins to send late/overdue notices to the home owner. Following a period of time determined by the lender, formal foreclosure proceedings begin. Between the formal beginning of the foreclosure process and the public auction is the ‘preforeclosure’ period.

To complete the foreclosure process, the property is auction to the public. If the property is not purchased at auction, ownership reverts to the original lender. The property then receives the designation of being an ‘REO’ or the more formal name, ‘Real Estate Owned’.

Local real estate agents are usually used to resale REO properties at retail price to the general public. However, REO properties are now frequently sold for far less than their ‘book value’. But the price of receiving such great pricing is the need to purchase multiple REO properties (a ‘package’) rather than individual properties.

There is huge profit potential in these REO packages for qualified real estate investors. REO packages are easiest to buy and sell with a well regarded source of financing in place. Some sources of funding for these transactions are: personal funds, hard money lenders, commercial lenders and non-conventional sources such as private investors and hedge funds. Additionally, one man is becoming very well known in the field of bulk REO investing, and his name is Sal Bushemi of Dandrew Partners, a New-York based hedge fund.

Popularity: 13% [?]

The 1970s was the beginning of the end for widespread asbestos use in heavy industry as the health risks of asbestos became apparent. mark attwoodCertain types of respiratory disease like lung cancer and asbestosis were alarmingly prevalent among miners and other workers who worked closely with asbestos. After nearly a century of high usage, this development posed quite a concern. Its low cost, fire resistance, and durability made asbestos fiber an attractive, easy-to-use ingredient in thousands of products. The presence of asbestos materials in homes and commercial properties persisted despite the knowledge of its carcinogenic side effects.

With this knowledge, the demand arose for professional asbestos removal companies to decontaminate homes, commercial and rental properties, and public buildings. If left undisturbed or properly contained, stable asbestos materials pose no serious threat. However, asbestos can be easily disturbed, at which point it becomes dangerous, and this has created a demand for certified asbestos removal contractors and workers. For commercial properties, asbestos removal or encapsulation is required before any renovation, reconstruction, or demolition can take place. mark attwoodAsbestos removal muppetville makes sense not only as a health issue, but also from a resale standpoint. If you wish to one day resell your property, not disclosing a known asbestos problem could stick you with unwanted legal problems.

You can avoid these issues by hiring an accredited company for the asbestos removal. Detection of asbestos material in your home or commercial property is relatively simple, and if it is found to pose a health risk, it can be dealt with effectively. Remember, it is safer to leave stable asbestos materials alone than to attempt to remove them without the necessary precautions in place, for the hazards of asbestos are well known. If asbestos is crumbling or flaking, it might already be airborne and very hazardous, and that is when you should leave the work to the experts. Take the hazards of asbestos and asbestos removal seriously by doing yourself the favor of hiring a professional. Mark Attwood

Popularity: 9% [?]

This is great article by By James Kimmons, About.com Guide

On January 15, 2010, David H. Stevens, Assistant Secretary for Housing – Federal Housing Commissioner, waived the 90 day flip rule for FHA mortgage insurance. This move is being heralded by many real estate investors as a boon to their ability to buy, rehab and resell foreclosed homes on a more efficient time line. By increasing the ability of investors to flip properties sooner, the hope is that they will become more active and help to reduce the growing inventory of foreclosures, many now held by the FHA itself.

Why The FHA is Waiving the 90 Day Flip Rule

The government announcement states: “To help facilitate the return of repaired and habitable properties to the market in a timely fashion, additional exemptions to the 90-day resale restriction period must be granted for the purchase of properties by investors. This policy change will help to sell properties that may otherwise remain vacant for up to 90 days, while offering affordable housing options to buyers wishing to use FHA-insured financing.”

To support this decision, the government issued these findings:

* Since the restriction has been in place, foreclosures have increased rapidly, and inventories are rising.
* FHA now owns a great many homes, and waiving this restriction will help to move them in the market.
* Many buyers aren’t able to get financing today unless they can go FHA, so this will allow more buyers to get financing.
* Most foreclosed properties are sold “as-is.” This gives investors the incentive to do rehab work, as they can sell the property sooner, cutting holding costs & risk of vandalism.
* The fact that purchase, rehab and resale can be accomplished in less than 90 days makes this decision one of responding to market needs.

The Basic Criteria To Qualify

The waiver is set to expire one year after its effective date of February 1, 2010. FHA plans careful monitoring of defaults, checking to see if there are more than desired among properties taking advantage of this waiver. If so, the program can be canceled at any time. All transactions must be arms-length. The seller must hold title to the property, meaning the one delay will be the wait for proper recording and deed. LLCs and other corporations will be scrutinized by lenders for legality and arms-length status. There can be no flipping activity for the same home during the preceding 12 months. And finally, the property must have been marketed openly, via an MLS listing, auction, For Sale By Owner offering or developer marketing. Special scrutiny for irregularities will be done on any deal with an “assignment of contract of sale.”

20% or Higher Sale Than Acquisition Cost Brings More Rules

In cases where the sales price of the property is 20% or more than the acquisition cost, a new set of rules kick in. The first important thing for the investor to do is to document every dollar of acquisition and rehabilitation cost. Once the 20% threshold is reached, the waiver will only apply if the lender:

* justifies the increase in value by retaining in the loan file supporting documentation and/or a second appraisal which verifies the rehab and subsequent increase in value.
* if no work is performed, gets an appraisal providing adequate explanation of the increase in property value since the prior transaction.
* provides a property inspection report to the buyer, and it can be charged to the buyer. The inspector cannot get paid by any entity other than the lender, can’t take or give referral fees for the inspection, and can’t recommend repair companies or be involved in repairs.
* make sure this inspection is thorough, covering structural, roof, plumbing, electrical, heating, air conditioning, fireplaces, balconies, walkways, decks, driveways, and solid fuel burning appliances.

This waiver is limited to forward mortgages, and does not apply to the Home Equity Conversion Mortgage (HECM) for Purchase program. The full text of the waiver is at this link. For those real estate investors who have avoided deals because of the 90 day flip rule, go out now and take advantage of the huge inventory of foreclosure bargains.

Popularity: 26% [?]