Saturday, December 1, 2007

A .99 Cent Calculator Can Save You $99,000!



I came upon some invaluable information that I wanted to pass along to you.




Present Value Insights



All financial calculators have buttons you push to discover various financial factors. These buttons are labeled N for the number of payments until a loan is fully paid off; I for the rate of interest being paid in each payment period; and PMT for the amount money paid for interest and principal. FV stands for the future value of the sums being paid. A very important button is labled PV for Present Value. Many creative financial formulas take P.V. into consideration. What is Present Value? Let me see if I can explain it to you:


Somehow, money that is received right away is more valuable than money that will be received later. How much more valuable like beauty lies in the eyes of the recipient, but absent of a pressing need for the money, financial mathematicians have come up with a term that expresses the difference between now and later. It is called Present Value.


When the Present Value is contrasted with the value of the money paid at a future time (Future Value), a difference in value can be calculated and that in turn can be related to the yield that the person who is paying later might realize, albeit it may be intangible.


For some reason, many people refuse to take the time to learn how to figure out how to use a calculator, even though knowing a few simple techniques can make the difference of thousands of dollars on a single deal. Here’s why:


By learning how to manipulate these buttons, it is possible to discover how much the rate of interest is, the number of payments until a loan is paid off, the amount of money still to be paid on an existing loan and the remaining unpaid balance; and the amount of money your money would earn if you loaned it for a set period of time, with a set payment, until it was completely paid off. Can you see how this might be of value to you?


For example, which would be better for me: Buying a house with a $125,000 secured Note which called for no interest for ten years, at which time $125,000 would be due and payable in a lump sum? Or, buying the same house for $100,000 with a Note calling for 120 monthly payments of $1213.28 including 8% annual interest? To figure out which offer would be best for the buyer, he would have to compare these two methods of payment to discover the PV.
The PV of the single payment, zero interest note would be equal to the sum of $125,000 discounted at the same rate as the other alternative, or .67% per month, for 120 months. The PV of this loan would be $56,315.43. Hold that thought a moment.


If you multiplied out all the monthly payments on the more conventional Note, you’d wind up paying $145,533.11. The difference in cost to you would be $89, 271.68. Now does learning how to calculate PV seem of any value to you.

Can you see why I’ll let the seller have his price almost all of the time without a murmur if I can get as financing terms a single payment, zero interest Note?

Supporting Your Real Estate Investing Career!

You Can Survive As a Real Estate Investor in Maryland!
You Can Survive As a Real Estate Investor in DC!
You Can Survive As a Real Estate Investor in Virginia!

Saturday, November 10, 2007

ASAP Community Helps the Homeless in DC!


A.S.A.P. Community Solutions Helps The Homeless


Hello,


Being involved in Real Estate Investing is about more than just becoming wealthy to help ourselves.


We will participate in the Fannie Mae Foundation Help the Homeless Walkathon on Saturday, November 17, 2007 and would like to invite you to join our team for this important event. Did you know that nearly 12,000 people in the Washington metropolitan area are homeless? It?s true.


In fact, more than 40 percent of that total are families and one-third are children. One way you can begin making a difference today is by supporting the Fannie Mae Foundation Help the Homeless Program, which raises awareness of and funds for Washington metropolitan area organizations that are working to prevent and end homelessness, with an emphasis on programs that help homeless people return to independent living.


The program culminates in the Help the Homeless Walkathon on the National Mall, which will be held on Saturday, November 17, 2007. Please register and join us at the Walkathon.


If you are unable to participate in the Walkathon, please consider supporting the Help the Homeless Program by making a secure, online donation. The support you provide is vital to helping local homeless people return to independent living.


Thank you.


Valarie Jacobs


Follow the link https://www.kintera.o.../ to visit my personal web page and help me in my efforts to support Help the Homeless Program. (To join the team and walk with us simply click "my team page" and you will recieve an option for joining. Thanks for any support that you can provide.


Please forward this email to anyone who may support our cause. ****************************************************************************** Some email systems do not support the use of links and therefore this link may not appear to work. If so, copy and paste the following into your browser: http://www.kintera.or.../ ******************************************************************************

Monday, October 29, 2007

Negotiations - The First 5 Seconds in Real Estate!



Hello Investors,

Did you know that you can literally lose a sale before a single word is spoken? People make a large percentage of their decision about whether they want to do business with you within the first 5 seconds of laying eyes on you. This bit of knowledge can have a hugh impact on the amount of deals that you are able to close. When you have an appointment with a client pay close attention to the non-verbal as well as the verbal messages that you are giving off to people. I have listed a couple of behaviors for you to pay attention to on your next appointment.



  1. SMILE and think nice thoughts about the person you are meeting. You would be surprised at the non-verbal messages that the mind picks up.

  2. Make sure that you are very well groomed. Pay attention to your jewelry, hair style, cologne or perfume, wrinkles in clothing, shoes etc. It's better to have one very nice outfit from head to toe that you have to repeat until you are on your feet than to have several mediocre outfits.

  3. People are more comfortable with people who are like themselves. Pay attention to cues that you can pick up about their beliefs and values. Now is not the time to try and convince someone about your viewpoints on anything outside of the deal.

  4. Do not invade personal space. Pretend that there is an 18 inch bubble around the person you are meeting.

  5. Be certain to know what your clients needs are before the appointment so that you can properly prepare. Make sure that you are addressing their specific need. Is their need cash now, cash later, tired of being a landlord, payments to high...etc?

  6. Pay attention to the pace at which your client speaks. Mimic and mirror. If your client speaks slowly, then you must slow down. If you talk to fast, they won't trust you. If your client speak fast ,then you must get on with your presentation. If you speak to slowly, they will get bored.

  7. If you are meeting with a woman, whether you are a man or woman, keep your eye level below hers. You don't have to look down, try taking a seat. Research has shown that many woman feel less intimidated if their eye level is higher than the people around them.

  8. If a client gets emotional, don't mimic and model this emotion. Show concern but maintain an emotional balance throughout the meeting.

  9. Be familiar with the terminology of your business. This makes your clients feel more comfortable about your knowledge and experience which will make them more likely to do business with you.

  10. Nothing is more important than building rapport. Show a genuine interest in your client. Put your clients concerns first and focus on solving their problem instead of make your sale.


All of this takes time and effort but this will improve your closing ratio for your deals. Take the time to change these behaviors because..."You Can Survive As a Real Estate Investor in Maryland, DC and Virginia!"

Supporting Your Real Estate Career,

Valarie Jacobs

www.ValarieJacobs.com

You Can Learn Real Estate Investing In Maryland!

You Can Learn Real Estate Investing In Virginia!

You Can Learn Real Estate Investing In DC!

Thursday, October 25, 2007

F.E.A.R. (False Evidence Apprearing Real) in Real Estate Investing in Maryland, DC and Virginia





Fellow Investor,

Why have you still not done what you said that you where going to do. When we consciously do not do something that we know is best for our real estate investing business the underlying reason is fear.


We know that it is best for our business to set up private investors. We know that it is best for our business to search for buyers everyday. We know that it is best for our business to read and study real estate investment techniques everyday...but do we do it! Why not?


The root is always fear. The fear of the unknown is learned early on in our childhood. We say that we want so many things consciously but out behaviors show that unconsciously maybe we don't....or are we just afraid of the unknown. It always feels better to stay where you are comfortable....even if you don't like where you are. Sound contradictory right? I know...but that's the challenge. You must realize that in order to get what you want out of your real estate investing career you are going to have to get uncomfortable..real uncomfortable. If you feel comfortable in what you are doing, then you probably aren't doing much. You have to be willing to stretch yourself and step into that which is not familiar to you. Is there a person that you always depend on...stop...do it yourself. Is there only one method that you use for moving your properties...stop...learn another. Have you been putting off setting appointments for private lending...stop...set the appointment. Have you been putting off even starting your real estate investing career....come on now...you know what I'm going to say.


Sit down today and ask yourself "What have I been avoiding?". After you have answered to this question ask yourself "What do I fear in this area?" "Is this FEAR, false evidence appearing real? Are you trying to leave yourself an excuse for failure? Are you afraid of rejection? Here's the good news, once you figure out what it is that you are doing or not doing to stop you from getting what you really want out of real estate investing...you can change it. Hey, what do you have to lose. You can only improve your business and yourself by facing these fears. Everyone does it...but until you STOP...you will never achieve what you truly desire.





Supporting Your Real Estate Investing Career,





Valarie Jacobs


You can learn Real Estate Investing in Maryland!
You can learn Real Estate Investing in DC!
You can learn Real Estate Investing in Virginia!

Wednesday, October 24, 2007

Find Buyers on the Internet for your Real Estate Properties in MD/DC/VA


Hello Investors,


When you start investing in real estate in Maryland, DC and Virginia, the first problem that you will have is acquiring properties. Once you have mastered this challenged, your second challenge is going to be finding exit strategies for your properties. Today, I just want to give you a quick tip on finding buyers on the Internet. Having a large pool of buyers for your properties will be invaluable. This simple tip will make your ability to succeed as a real estate investor in Maryland, DC and Virginia alot easier.


Here's what you do:


1. Everyday you are going to post a free classified ad for a property.



  • My favorite sites are craigslist and kijiji

2. Your ad simply needs to list the number of bedrooms, bathrooms, what area the property is in, what percent below market the property is selling for and a contact email for you.


3. Don't let the fact that you don't have an actual property under contract stop you. If you are in the process of negotiating with a seller, post that property. This gives you a better idea of what offer you can make.


4. BEST TIP: List the same property with different purchases prices. Post an ad for "investors only" and another ad for "retail buyers".


5. When buyers respond, if the property is not currently available, ask them if you can keep them on your buyers list.


6. Track where your calls are coming from. If you notice buyers calling from a particular area, then you know that this is where you need to market for properties.


7. Post ads everyday...Your list will grow quickly and you won't be stuck with properties.


This technique has worked great for me. I've made unbelievable contacts. I've even networked with one company that just waits for me to find properties for them by using this system.


Add this to your daily real estate investor routine and you will be on your way to surviving as a real estate investor in Maryland, DC and Virginia!


Supporting Your Real Estate Investing Career,


Valarie Jacobs


http://www.valariejacobs.com/


You Can Learn Real Estate Investing in Maryland!


You Can Learn Real Estate Investing in DC!


You Can Learn Real Estate Investing in Virginia!



Sunday, October 14, 2007

How to find Real Estate in MD, DC & VA for 50% off

Real Estate for .50 cents on the dollar.

With the sub prime market being absolutely unpredictable, investors can not depend on their buyers to come thru with loans. Try this little technique of acquiring property. It will help you to survive as a Real Estate Investor in Maryland, DC and Virginia.

Stop looking online and finding REO (bank-owned) properties to buy. Find an agent and tell them you want to make about 30 offers a month on REOs that have been listed for 180 days or more. Tell the agent to make the offers at 50% of the listing price and make them contingent upon inspection. Each time the bank asks for a counter, send the offer back $5000 less. Of course, all of the offers won't be accepted, but if you can get two or so accepted out of 30+, you have hit the jackpot. All you need to do is fund the deals using cash, private money, hard money or other sources. Agents are not super-busy right now, so they will jump all over this idea.

The reason this technique is going to help you survive as a real estate investor is you don't have to count on traditional loans that aren't dependable right now. Just find a hard money lender. They are listed right in the yellow pages. Most will lend on properties that are 70% below market minus repairs. This method leaves enough of a spread to add any repairs right into your loan. Many hard money lenders don't even care about your credit rating, they decide whether to loan you the money based on the deal. Don't let the cost of money discourage you from using hard money lenders. The availability of money is more valuable than the cost. Look at your bottom line after the deal is done. Acquiring half priced real estate, will ensure your survival as a Real Estate Investor!

Supporting your Real Estate Investor Success,

Valarie Jacobs






Learn Real Estate Investing in Maryland !

Learn Real Estate Investing in DC !

Learn Real Estate Investing in Virginia !

Opportunity is Staring You in the Face


Challenges are "Blessings in Disguise"


The other day we addressed setting goals and sticking to them. Focusing your every activity on accomplishing those goals. Well, if it were that easy...everyone would be rich. So what is the problem...what's stops us from getting the one thing that we want the most. Is it money... circumstances... divorce... lack of knowledge ...your race ...uhm? Whatever popped into your mind for that question "What is stopping you?" IS NOT the right answer. The answer is your determination to reach the goals that you have set for yourself.


When you set your mind to a goal, it seems like out of nowhere there are hundreds of giants(problems, challenges, oppositions) standing in your way. I'm sure you've heard this but remember it...internalize it..."The Bigger They are The Harder They Fall". You have to be willing to stand up to the giants in your life and knock them down (or simply walk around).


When I started thinking back on challenges in my life, after the dust settled things really were not as bad as they seemed and many times the ending was better. It all depends on how you view the "what appears to be" giant. Usually at first site, the opposition seems impenetrable to you because of the angle you are using to view it. It's like a camera. When you first look thru the lens, everything appears to be so blurry..."What a horrible picture this is going to be!" However, when you take the time to adjust your focus the true picture becomes crystal clear. You can use this same technique for attaining your goals.

When opposition first shows it's face..don't focus on all of the opportunities that have been taken away. Train you mind to change the focus. Focus on the opportunities that are now available to you . What CAN you do that you could not do before this happened? How CAN you use this to get you closer to the your goal? This is one of the most difficult things that you MUST train your mind to do. Practice daily. When the buyer calls you on the day of the closing, and says "I'm not coming" and you are financially counting on that closing....When you've been married fifteen years and your spouse says out of the blue "I don't think I want to be married!" When the teenager runs the stop sign totaling your brand new car and says "I don't have insurance" or on a lighter note when you've been looking forward to finally getting home to just sit down and relax with a bowl of your favorite ice cream and your teenager says "I didn't know you wanted it". Will you be able to change the focus of your thoughts? If you practice and train your mind to always stay in proper focus... Guess what?


Nothing is a Giant....Nothing is an Opposition...


Absolutely Everything is an Opportunity.....


"A Blessing In Disguise !"


You are on your way to becoming a successful Real Estate Investor in DC, Maryland & Virginia!

Supporting Your Real Estate Investing Success,


Valarie Jacobs

www.valariejacobs.com



Learn Real Estate Investing in Maryland!
Learn Real Estate Investing in DC!
Learn Real Estate Investing in Virginia!




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Saturday, October 13, 2007

Setting Goals....Yeah Yeah Yeah...I heard it before!

Hello Fellow Investor,

I know we've heard it time and time again. Set your Goals...Write your Goals! We hear from every successful person yet we still don't feel like doing it. The fact is...If we won't take the time to figure out what we REALLY want, how are we REALLY going to get it. Some of us may need to figure out why we have not taken the time time to write down our dreams and desires. Are we afraid that if we admit to ourselves what we want and desire that we may fail? You have to be willing to write as well as verbalize your goals. When your goals are clear, you know what you should be doing and what you shouldn't be doing. For example, say your goal is to close on two deals for the month. Each and every activity that you involve yourself in should be directly focused on that goal. When you are on the phone with a friend ask yourself "Is this going to help me close two real estate deals this month? When you push the snooze button ask yourself "Is this going to help me close two deals this month". You may be involved in something very productive; however, if it doesn't answer "yes" to your goal question then you must stop doing that activity. If you practice this technique and train yourself to ONLY participate in activities that will answer "yes" to your goal question and lead you to your goals, you will be one your way to surviving as a successful real estate investor.


Supporting your real estate investor success,


Valarie Jacobs



You can succeed as a Real Estate Investor in DC, Maryland and Virginia!


www.valariejacobs.com

Learn Real Estate Investing in Maryland!

Learn Real Estate Investing in DC!

Learn Real Estate Investing in Virginia!