Targeted E-commerce – Advanced Tips for Get Started With E-commerce

Through this brief article, you are provided with advanced tips for getting started with targeted e-commerce. Equipped with this information, you’ll be able to make money through targeted e-commerce, not only today but well in the future.The first advanced tip that you need to keep in mind when it comes to getting started with targeted e-commerce is the development of an appropriate targeted e-commerce plan. You cannot embark on a e-commerce and effort blindly. Know what you want to do and how it is done. What segment of the population are you targeting? Be sure you meet their needs.The second advanced tip that you need to keep in mind when it comes to getting started with targeted e-commerce is making use of consultants and specialists. You need to understand the targeted e-commerce can be rather technical in nature. Therefore, you are best served by engaging the services of various professionals who can assist you in your endeavor.The third advanced tip for getting started with targeted e-commerce is developing a marketing plan to ensure that your efforts are promoted appropriately and well coordinated. Do not undervalue the necessity of an appropriate marketing plan when it comes to embarking on a targeted e-commerce efforts.Taking these three small steps will help you develop your e-commerce plan. Take some time before you embark on this campaign to understand all the ramifications of your actions. By identifying those markets or those market segments in which you will succeed, you’ll be well on your way two increasing your revenues.
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Finding a Profitable Online Business – Opportunities to Make Money Online

Putting up an online business is one good way to help you find opportunities to make extra money online. In fact, you can make a successful business online and enjoy more profit that you have expected. In the online world where you can sell anything to a worldwide audience, it is possible to put up a profitable online business and make good money out of it.If you are looking for a profitable online business that would suit you best, here are some ideas that you might find helpful.- Internet marketing business. If you are knowledgeable on search engine optimization, pay per click marketing, article marketing, affiliate marketing and some other effective strategies in marketing and advertising online, putting up an internet marketing business online can be a lucrative choice. Of course, there are things that you need to learn and master to be able to pull off a good internet marketing business and beat competition as well in this highly competitive venture.- Consultancy business. Another profitable business you can venture into online is to become a consultant in a certain field of expertise. You can be a computer consultant, an online credit consultant or a consultant any other expertise. Of course, to be able to boost your business success, you have to make sure that you are also well-equipped with the right knowledge that can truly help people who need it most.- Setting up your eBay business. Online auctions have gone a long way as a profitable online business. You just can’t make money with the things that you have at home, you can also put up an eBay business where you can build contacts with manufacturers, put up an online eBay business with your own products. You can also opt for products that are rare to find such as your own native products or those that you would not normally find in departments stores. This can be a good start in making eBay your avenue to make a profitable online business.- Write and sell books online. If you are a writer or you are an expert, then write your own book and sell them online. In fact, eBooks are now a good trend and authors find it advantageous for them to write and publish books online as this will save them from printing costs and other costs involved in making a hardbound or softbound book. Reproduction is also easier online as well. You can also sell as many copies as you want. People who are looking for information go online for answers, thus having your eBook online can also be a good venture.There are indeed a lot of profitable online business that you can venture into. Depending on your expertise and your interests, you can actually make an online presence and market your skills online as well. The fact that you have a worldwide audience online, finding people who are interested in your business may not be that difficult as well.

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Merits of an Online Health Community

Because of the web, our lives are more convenient and easy than in the past. Established pursuits like shopping, attending classes and sometimes working might be carried out from the solace of your house. All you want is a computer and an internet connection. Certainly, the online world is becoming an intimate part of our everyday life. Nowadays, you’ll be able to also get answers and remedies for your health difficulties thanks to the world wide web. This is certainly achievable simply because of the online health communities. Thanks to these online health communities, patients and their loved ones can obtain info in regards to the solutions and procedures to address their illness and also to obtain the necessary support. The online health communities may also enable patients and their families to talk with other folks in similar situations.Online health communities can supply you with a lot of profits and gains. Listed here are a few of them:-Greater decision forming functionality: We have a lot of information obtainable that could put the patient and her or his family members in a stronger position to take judgments.
-Wide range of services: You will find many services which are provided like counseling, therapy, intervention and much more.
-Improved lifestyle: Your way of living will see a substantial improvement once you apply the techniques and treatments that are given to you.
-Elimination of negative feelings: Thoughts like loneliness and hopelessness will be a thing of the past whenever you take the aid of these large communities. You’ll be surrounded by similar people.
-Elimination of boundaries: The data, treatment options and procedures will probably be provided to all and sundry regardless of culture, language or race.Health communities aid in discovering the health care needs of the population. Their purpose is usually to serve the community and also assist it’s people in acquiring the information and resources that they require to make good decisions to lead a healthy and much better life. Online health communities offer a range of programs to fulfill this particular purpose. Each person has her or his unique needs and requirements. This is why there are actually specific programs and remedies for this purpose. That’s not all. The people at these online health communities are knowledgeable and skilled. They know whatever they are doing.To make certain that everybody benefits from these brilliant online health communities, there are systems in place which will satisfy this job. These systems are welcoming and available and are also quite uncomplicated to navigate and use. With the assistance of these programs, patients and their family members will now be in a position to conveniently gather information without sweating. This info will be accurate, meaningful and useful. Patients will also be able to interact with other patients who are suffering from the same difficulty.For a person suffering from any condition, the online health communities are an great alternative. One must not look at them as just an add-on or an optional accessory. Rather, they ought to be considered as necessary and vital components of the health care industry. By the end of it all, the patient will benefit the most because of these online health community centers.

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Crowd Marketing – How to Promote Your Business

With the emergence of the Internet and social media platforms with the audience of thousands and thousands of people, the concept of crowd marketing is seemingly a better marketing solution for a lot of companies.What is Crowd Marketing?A popular marketing technique in which a business connects to an influencer, who is in direct contact with the target market of the product that the business is marketing. The proliferation of social media networks including the Facebook, YouTube, Twitter, Google+ and many other, crowd marketing has gained increased popularity among marketers as being a cheap, effective and the easiest way to reach target consumer. Unlike many other marketing strategies, the target market reach of can be monitored in terms of measurable indicators such as likes, shares, reviews, retweets, feedbacks etc. In essence, crowd marketing techniques are focused on increasing website traffic, lifting search engine rank and strengthening the brand position. The main difference between techniques like Social Media Marketing (SMM), Search Engine Optimization (SEO) and the crowded marketing technique is that the later technique directly approaches to target consumers rather than focusing on the general public. One of the good examples of crowd marketing may be the celebrity endorsement technique. In this technique, a business identifies celebrities that already have a large fan base among the target market niche of the business; the business pays the celebrity to endorse its product among its target consumers. It is an effective way because people tend to be influenced by celebrities, their lifestyles and what they recommend. Such marketing technique is also used to approach the target market directly as long as the influencing celebrity personality, as well as his fan base among the target market population, are properly selected.Crowd Marketing TechniquesThe most popular techniques most recently rely on the social media platform and utilize the power of content marketing to enhance target market reach. Since social media has become an integral part of people’s lives, one of the most effective platforms is Facebook, which has over 1,500 million active users. Targeting Facebook as a platform to reach the target market has been popular these days. The technique is straightforward -leveraging content marketing method to attract the target market population among Facebook users. In this method, the business creates a compelling content, mostly product or brand-related videos, and finds an effective way to publish it over the Facebook that will ensure most return on investment. Usually, celebrity pages, celebrity accounts where many people keep their attention and the paid advertisement that is boosted by the Facebook to help reach increased customer base are utilized as crowd marketing technique over the Facebook. The number of likes, shares, and comments can be used as a measure of the success of the campaign. The most effective way to reach target market is to utilize the key influence of the business niche. Identifying target consumers, their behaviors and whom or what they follow can make the difference. If the key influencer of the target audience can be identified and can be used to endorse the product or brand, the success of convincing the audience about the reliability and superiority of the business goes higher.The Power of Social MediaAnother effective technique that warrants success is to use tools that help the business with key insights of the marketing as related to social and content marketing wings of crowd marketing. For example, few web applications help the business identify the target audience of a product, their key influencer, their position and location within web domain and provides with the best crowd marketing strategy starting from content recommendation to target markets locating. These tools make implementation of your marketing strategies easier and more effective.The Lego Group, children’s toy builder company, has been leveraging the concept of crowd marketing since the 90′s; it has used the Internet effectively to transform website traffic into effective customers and revenues. The key idea to engage target customers from around the world is novel and simple – it asks toy builders and idea-makers to share their ideas about new toys. These ideas are published on the website and are open to million enthusiastic audiences. Any builder can upload his unique design built out of the combination of thousands of different block pieces. The models are placed to audiences for marking and the models that get highest marks are chosen for the award. Moreover, the company uses fans’ ideas and models to build its toys from. Recently, it has created builds from the theme of the movie “Star Wars” and “Lord of the Rings”, which are the most popular builds from the company for years. The company has been adopting social media-based marketing campaign to increase its audience reach and enhance revenues. Last year, the company has earned about $4 trillion in revenue, most of which can be attributed to the crowd marketing strategy. Crowd marketing has also enabled it to become a global brand. The success of the company may be set as an example for all businesses who wish to adopt crowd marketing strategies.

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3 Social Marketing Services That You Should Be Using To Get Traffic

There are some social marketing services that you should definitely be using if you want to start getting more traffic to your website. The ultimate aim of social marketing is to spread the word. It’s a form of viral marketing. In the old days of internet marketing, you had to manually set up referral marketing campaigns and do things such as eBook marketing to get people to pass around your content, and get free visitors back to your site.In today’s times however, social marketing has highly evolved. There are more than 1 way to get referral and viral traffic back to your site automatically without you doing a thing. But you have to make sure that you know what you’re doing with the traffic once you get it. But that’s a topic for a different day. There are tons of social marketing services out there that can boost your credibility, reputation in your niche, and ultimately income.Now what you don’t want to do is use poor social marketing services that can get you banned from sites, or even get you blacklisted. Some people find this out the hard way. If you think buying 5,000 Facebook likes, or 5,000 subscribers to your Twitter account is an effective way to market and get more sales online, you’re definitely wrong. Some people think that if they just can “look good” online people will think they’re an expert and then will start buying from them. This couldn’t be farther from the truth.People don’t buy because they think you’re popular. People buy because they believe you have a good solution to a bad problem that they have. If all you have to offer is 5,000 Facebook likes to a person who’s having acne problems, then you won’t get the sale. So don’t invest in social marketing services that will only make you look good, but doesn’t have any effect on how much sales and profits that you get.Now I mentioned that I wanted to go over some social marketing services that you should be using to get traffic to your website. I’m about to list some of my favorite tools to use and how I use them, and how you can use them also to get the positive results in your business that you’re looking for. And don’t be afraid to invest in paid social marketing services also, because sometimes these paid services offer automation tools that are worth the money. Here’s the first social marketing service that you should be using:1) TwellowTwellow is like the “Yellow Pages” for Twitter. If you want more Twitter followers, this is where you should start. You can sign up here and browse through your niche categories, and start following people who have similar websites or Twitter profiles that you have. This is a free and easy way to start getting more Twitter followers without having to resort to a software that may get you banned from Twitter.In fact, a long time ago there was this paid automated software that was very popular called “Tweet Adder”. It was so popular that a second version was made and it was called “Tweet Adder 2″. It allowed you to massively get thousands of related Twitter users to follow you and start marketing to them.Needless to say, it was so successful and popular (and against Twitter’s terms of service) that anyone who was found to have used it at any point was banned from Twitter.People were building massive Twitter followings and using their “direct message” box (DM) to solicit leads and traffic from people. This got out of hand and a solution was needed to stop this poor practice from continuing. So peoples’ accounts got disabled, and they were no longer to use their Twitter profile to acquire business. And ultimately, “Tweet Adder” was shut down and discontinued. Here’s another social marketing service that you should be using:2) HootsuiteNow I did mention earlier that there are some paid social marketing services that you can use to automate your marketing. Hootsuite is one of these tools. Hootsuite provides a wide range of social marketing tasks that can be performed. And it’s 100% legal and doesn’t violate any terms of services on the social media platforms and websites online.One of my favorite features of Hootsuite is its ability to have your social media content posted automatically. What you would do is input some pre-inserted content into Hootsuite and specify when you want the content to be sent out. This saves a lot of time and if you have a website that already has a ton of content on it, this would be a great way to get it syndicated on the internet.And as you already know, if people on your social media accounts like what you are sending them, they are going to forward your information to their friends and colleagues also – give you more free eyeballs to your website and content. Hootsuite is great, and offers a TON of other social marketing services, but just this 1 alone is worth the investment.Here’s another social marketing service that you should be using:3) AddThisAddThis is social media button platform that allows people to instantly share your content automatically on their social media accounts. AddThis allows you to insert code onto your website or blog, and have social media icons appear on every page of your site. If someone lands on a page on your site or blog that has great content, they can instantly click on a social media button on your page and share your content with their followers.This is a quick and easy way to get free syndication without you doing a thing. And AddThis is free!These 3 social marketing services are tools that you will want to use if you want to strengthen your social marketing campaigns and obviously get more traffic to your website. They’re simple, and while 1 is paid (Hootsuite), it’s highly recommended that you invest in it for the longevity of your website and business.

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Leadership Skills Are Necessary for Technology Managers in the Current Business Economy

Technology oriented careers have been making a comeback. Accordingly, talented technology managers are necessary in every area of the field – from Web design and development, to database-driven e-commerce, to software engineering, to technical service and support. Technology positions, from programmer to CIO, are also critically important in organizations from all industries, including manufacturing, healthcare, education, government and service firms. Technology professionals often seek career advancement but need the leadership skills necessary to advance their careers. In response to these industry demands, adult-learning and distance learning schools now offer technology degrees at the bachelor’s and master’s degree levels, often in accelerated formats.However, other necessary characteristics of successful technology managers cannot be found on a silicon microchip or in a line of CSS markup code. Some of these characteristics include a talent for leadership; the ability to communicate ideas and directions, and the ability to motivate and mentor staff. These skills are not taught in all technology curricula of the 21st century. However, some information technology and computer science academic curriculum designers are beginning to recognize the importance of teaching soft skills in the classroom. Accordingly, some programs of study now emphasize specialized leadership training for would-be technology managers.The United States Bureau of Labor Statistics (BLS) states that computer and information systems professionals typically require advanced-level training (namely, a master’s degree) in order to be considered for leadership positions in technology. The BLS also points to the need for technology job applicants to have diverse experience in technology systems and applications. This experience will allow them to lead staff who work in different departments and who have different types of technology skills. An additional benefit to pursuing training for technology management careers is the bright future outlook of this field. These careers are expected to grow 16 percent through the year 2016.Technology leadership training programs at the master’s degree level will typically have two or three core academic components. The first core component, obviously, is technology. Students who pursue this type of master’s degree typically begin the program with knowledge of at least one higher-level programming language; and are comfortable with database management or development, as well as computer networking systems administration. The master’s in leadership and information technology course of study will build on students’ foundations in information science and systems, enabling students to approach these disciplines from a leadership and management perspective.Students will learn to lead employees as well as communicate with all levels of the organization and customers.In CIO Magazine’s 2007 State of the CIO survey of more than 500 IT professionals, the three skills “most pivotal for success in your role” were: the ability to communicate effectively, strategic thinking and planning, and ability to lead/motivate staff. In other words, leadership skills. The primary characteristics that all technology managers must have are leadership skills. These attributes enable technology leaders to motivate staff; to direct projects or business activities in a way that maximizes profits, and to ensure that staff on hand are competent and contribute to strong worker retention. According to career advice site Monster.com, the best managers and leaders in technology are those men and women who are directly involved in project management and task delegation, rather than those who give orders from afar.In the tech industry, there exists a decades-old stereotype about the social inclinations of technology workers. Unfairly or not, they have been historically pegged as lacking in leadership skills and strong communication abilities. Industry efforts to disassemble this stereotype is one primary reason why students interested in technology management are able to enroll in master’s-level programs of study that combine technology skills with interpersonal and leadership skills.The other reason more and more master’s-level technology programs of study focus on business and leadership skills is because technology manager careers have become more specialized and decisions-driven. Managers in tech fields must be able to assess the technology systems in place at their companies, and make system implementation and upgrade decisions that will be positive for their employees and clients. Technology must support and align with organizational goals. Making the right technology decisions requires developed leadership skills, strong soft skills, and polished business acumen.As technology continues to change and develop rapidly, technology leadership master’s degree programs will continue to develop targeted curricula, integrating technology with the business world to produce strong leaders.

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Discover the Keys to Effective Communication

One of the key factors to mastering your life, is to master your communication. It is the great communicators in the world that get all that they want.The reason why most people have unsatisfactory results in their life, is because they have poor communication skills. People get frustrated when they don’t get what they want,and often times don’t realize it is because they did not communicate clearly, what it is they wanted.Poor results come from poor communication, not only in personal communication, but also in metaphysical communication. One of the main reasons why many people do not get what they want in life is because their way of communicating what they want is unclear.You must be very clear on exactly what it is you want when communicating with another person, The Universe, or yourself.I know you may be thinking, what do I mean with yourself. A lot of times we are wishy washy with what we want. We tell ourselves “I kind of want this,but I also kind of want that.” or “I guess that would be alright.”. We need to be very specific with ourselves of exactly what it is we want. We cannot express clearly, to someone else, what we want if we are unclear, about what we want, ourselves.First we will discuss how to communicate with your Higher Power to get what you want, then we will discuss how to communicate with other people. I am using the term “Higher Power” or “Universe” because I do not want to offend any one’s religious beliefs. You can replace the term Higher Power with God or whatever name you believe the creative source to be called. The principles for communication will be the same.To manifest what you want in life, from a metaphysical standpoint, I would highly encourage you to sit quietly with a pen and paper, and write exactly what it is that you want to create in your life. Write what you want in great detail. The more detailed you are, the better. Remember, this is about being extremely clear about what it is that you want.After you have written what it is that you want, I would highly suggest that you read what you wrote one to three times a day out loud. This will benefit you in two ways. First, it will help your mind get extremely clear and focused on exactly what you want. Your mind being clear will help you stay focused, take proper action and communicate to others in a more clear, concise and effective manner. The second benefit is, the two most powerful ways to communicate with the Universe, to manifest, is through writing and speaking. Writing creates the most energy, with speaking creating the second most energy. Writing and speaking to the Universe are your two most powerful ways to create what you want.Now let’s talk about our everyday communication with other people. There are many elements that go into positive effective communication. There is verbal and nonverbal communication.The words that we use only make up 7% of our communication. The other 93% is voice tone and body language. What that means is, before you have even said a word, you have already said a lot.It is very important to practice paying attention to your body language and voice tone. Let’s talk about voice tone, for a moment. Have you ever had someone ask you for something in a whiny sounding voice; or how about in a very demanding tone of voice? Think back to when someone has approached you with either of these voice tones. Did you really want to give them what they were asking for? Probably not, you were probably pretty turned off by their approach. Having a friendly confident tone can be very effective.Body language is huge! So many people are giving the wrong signals and they don’t even realize it. Your words and voice tone may be saying one thing, but your body is saying something very different. The non verbal speaks louder than the verbal, always. The person that you are communicating with will most often not even realize that they are being effected by your body language, however they are, it happens on a subconscious level.Pay attention to your body language. First of all make sure you are standing up straight with your shoulders back. Good posture communicates confidence. Everyone is attracted to a person who is truly confident. People are much more likely to say yes to a person that exudes confidence, rather than someone who does not. Another tip is to avoid standing with your arms folded in front of you. Arms folded communicates that you are stand offish and blocking the other person from getting through to you. It also communicates disinterest.Eye contact is so important, because of so many reasons. I will just cover a few reasons here. For one thing, it shows strong self confidence. It also allows you to have a strong connection with the person you are communicating with. A lot of people do not trust a person that avoids eye contact and building trust is the number one component to effective communication. Eye contact can be hard for some people. If you are someone who has difficulty with maintaining eye contact, begin practicing now. It begins with awareness, then practice, then mastery. One of the most important skills that you can practice and master is maintaining good eye contact.Next comes the words that we use. Even though words are only 7% of our communication, they are still extremely important and require conscious awareness to use them effectively. There is so much to cover, when it comes to the words we use. I will share some resources for you to study on your own, that will help you with everything that we just covered. First let’s cover what I believe to be one of the most important things to be aware of when it comes to the words you use.Most people’s main focus when they communicate is on themselves. They use the word “I” over and over again. Understanding that most people’s main interest is themselves can be a very valuable tool for you. One of your greatest tools to be a great communicator is to stop using the word “I”, “Me” and “My” so often and start using the word “You”, “Your” and “Yours” much more often. People love to talk about themselves, and if you let them do it, you will be their most favorite person in the whole world, because most of the people they talk to are talking about themselves most of the time.Another important thing to realize is that people love the sound of their own name. Use a persons name often during a conversation with them. They will be putty in your hands.Remember, God gave us two ears and one mouth so talk less and listen more. And really listen, a lot of times when another person is speaking we are caught up in our head thinking about how we are going to respond or just waiting for our turn to speak. Listen with you complete focus and attention on what they are saying then trust that you will be able to respond organically. The best communicators are the best listeners, not the best talkers.To really master these skills and take your communication to a whole new level, I would highly recommend that you begin to study NLP. NLP stands for Neuro Linguistic Programming. By mastering NLP, you will become a master of influence. NLP will cover the best way to use your words, how to build powerful rapport, how to read other people and so much more.Here are a couple of tips on how to build powerful rapport. Match the speaking style of the person you are talking with, whether it is in person or over the phone. It is a good idea to match the voice tone and speaking speed of the person that you are talking to.Another powerful tool is to mirror the body language of the person you are communicating with. Don’t mimic them, just subtly mirror them. When you do this you are sending them a subliminal message that you are just like them.Remember, no matter where your communication skills currently are, you can always be better. To be a better communicator it just takes self awareness, the desire to be better and practice.

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Mortgage Investing – How and Why To Invest In 2nd Mortgages To Reap 12% – 14% Return

Don’t Let Your Home Equity “Rust” Away! Use Your Home Equity To Invest In Real Estate! Equity Wasted & Unused Is Leaving Money At The Table! One mistake many make is that because they don’t have cash to invest, in real estate or any other investment, they won’t be able to invest properly in their future.By Sean MartinMany Canadians who have owned a home for a number of years have seen the value of their home rise at the same time that they have been chipping away at their mortgage. The result of this is many Canadians who may be cash poor, but equity rich. One mistake many make is that because they don’t have cash to invest (in real estate, especially after recent changes in Canada upping the minimum down payment for a rental to 20%), they won’t be able to purchase a property. However, if you own a home and have equity in it you may be pleased to find out that you can access funds to invest.You just need to utilize the power of leverage better. So how do you do that? You already have!When you purchased your home, you more than likely had a deposit of 5%-10% and had a mortgage for the balance. You used “OPM”, Other People’s Money, and started to build value in that investment. Keep in mind, your investment did not appreciate based on just what was borrowed, but on the value of your home (i.e.: $ 5000.00 down on a $ 100 000.00 home you are going to realize roughly 5% appreciation on that $ 100 000.00, not just the down payment.) That’s leverage. And you get to live there.Realize the gains which you are being kept from realizing in your present situation.Access the Equity In Your Property…This is the first step to use your home equity to invest in. If you own your own home and owe less than 80% of the value on your current mortgage, you have access to additional funds by refinancing. Although you can get a regular mortgage, many investors opt for a HELOC mortgage which allows them to re-borrow and principal they pay down on their mortgage. This is an important feature for investors, especially as they grow their portfolio, as eventually with 5 or 10 rentals, they are able to pay down their mortgage very aggressively using the positive cash flow from their properties. It’s a snowball effect: the more cash flow, the more you can pay down your mortgage, the more you can pull out of the equity, the more property you can buy, earning more cash flow… and so on.Once you have a mortgage or HELOC, here are some of the ways you can use it to invest in:Use it to Borrow / Leverage 100% of the Value of Any Rental Purchase- Using your HELOC, you can borrow the 20 – 25% down payment for the rental, and get 75% – 80% financing (if qualified) for a standard mortgage on the rental property itself. There are some properties that when financed strategically (rate is no longer the most important variable) properly will give positive cash flow even when you borrow the entire value. Those properties you may want to leap on!
Stay liquid for the unforeseen:- As you grow your portfolio, liquidity becomes more and more important. The more property you own, the more risk you are at for a number of issues to come up at once (i.e. vacancies for 2 properties, new roof needed for another, renovations needed on another). Having a HELOC with available equity will ensure that if you do have a “cash call”, you will be better equipped to handle it.But I Don’t Want To Be A Landlord but I Still Want to Invest in Real Estate…You can use your funds that you have borrowed inexpensively ( HELOC 3.25%-4% or a variable rate at 2.10%) and lend the funds to others through second mortgages. Yes, you can become the bank. Most people think of mortgage Brokers as someone to arrange a mortgage for a purchase. A mortgage Broker can also arrange for you to lend your funds to other individuals. Often this is facilitated through a second mortgage which you hold on a property. To do this alone can be intimidating and there is risk, but the reward is an interest rate of 12%-14%. Often a lawyer or accountant can also help find avenues to invest like this as well. To ensure the safety of your money, consider using an experienced Broker with access to an mortgage investment network specializing in 2nd mortgage loans. These Brokers will have their own underwriters and the proper tools in place to protect investors (you) should defaults occur. One channel I work with diversifies your funds into 3-4-5 different 2nd mortgages, syndicated with other investors like yourself. This offers protection from investing in 1 bad 2nd mortgage. Your exposure to risk is reduced in this manner. At the same time, should default occur they are in a position to pay the arrears on any 1st mortgage holder and purchase the property outright. This allows for sale to recoup what could have been potential losses. Should this type of action occur, your interest payments continue until the matter is resolved and your funds made available again for investing once again.TFSA / SELF DIRECTED RSP…If you are in a position where you have a self-directed RSP with your bank or financial institution can you use these funds to invest in mortgages?Most institutions will still not allow you to use the funds in your “Self-Directed” RSP to invest as your wish. Again, an experienced mortgage Broker can offer advice and show you how to continue to shelter your profits within a RSP, but invest in these products. There are financial institutions that will allow these profitable investments and a mortgage Broker can show you the options.A TFSA again has limiting rules with most banks and financial institutions. An experienced mortgage Broker will be able to guide you to helpThings to think about:- When you borrow for investment purposes, you are able to write off the interest portion of the payments. Make sure you speak with an accountant to ensure this works for your situation.
- Investing the funds from a TFSA, RRSP or RESP protect you from paying taxes on the income.- Even if you have a self-directed RRSP you financial institution will have policies prohibiting you from investing in second mortgage products. Ask me where to relocate your funds to maximize profits.- Release the equity in your house to invest, but divert it through your RRSP or TFSA 1st, especially if you have unused allocations from previous years available. Again, this should be done with the assistance of your accountant to ensure that it is done correctly for you and to keep the CRA happy. Always keep the CRA happy.- Most HELOC’s offered right now are Prime +.5%, or 3.5% today. Fixed rate refinance mortgages are available for as low as 2.54% and variable rate mortgages as low as 2.05%.- HELOC’s usually have interest only payments available to better your cash flow, while standard fixed rate/variable rate mortgages do not.- Make sure your HELOC is re-advance able! Not all are.

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U.OL Defining “Commercial Banking”

“Commercial banking” was defined in the previous edition of this book as the activity of a banking institution whose “principal business is to accept deposits, make loans, collect commercial paper, and arrange the transfer of funds.” Under the banking law from the adoption of the Glass-Steagall Act in the 1930s until the beginning of the 1980s, there was a distinct demarcation between commercial banks and other financial institutions, such as investment banks, securities firms, and commercial financial services conglomerates.AH this is changing. The types of institutions that can engage in traditional commercial banking functions have enlarged as a result of legislation giving additional powers to thrift institutions. The types of activities commercial banks engage in have expanded as a result of legislation at both the state and federal levels and as a result of judicial decisions dismantling parts of the wall erected by the Glass-Steagall Act to keep commercial banks insulated from the risks of dealing in securities. The “nonbank bank” explosion has started a restructuring of the banking market into holding companies capable of offering an array of financial services. In light of these developments, perhaps the most suitable definition is one offered by an English texi: “[B]anks come in all shapes and sizes, with different name tags applied indifferent countries, often quite loosely. Banks make most of their money from the difference between interest rates paid to depositors and charged to borrowers.” Commercial banks are “publicly quoted and profit oriented. They deal directly with the public, taking deposits, making loans and providing a range of financial services from foreign exchange to investment advice. Most countries have settled for between four and ten;” but in the United States there are nearly 15,000 because of “banking laws that have prevented banks operating in more than one state, and in different types of business,..In addition to commercial banks, there are many specialized depository institutions that have been established to perform specialized roles. Thrift insti­tutions such as savings and loan associations and credit unions are important examples. At their inception, savings and loan associations primarily engaged in home mortgage lending and offering passbook-type savings to consumers. With the enactment of the Depository Institutions Deregulation and Monetary Con­trol Act of 1980, thrifts gained expanded authority to engage in commercial banking activities. Further incorporation into the general banking market has occurred as a result of the restructuring brought about by the financial failures and weakened condition of thrift institutions in the 1980s, which led to changes in the law to encourage the acquisition and merger of weak institutions with stronger financial institutions, including banks. To a great extent, thrift institutions are subject to a regulatory regime similar to that governing commercial banks, and engage in banking functions similar to those of commercial banks. Subsequent chapters discuss how thrifts fit into this regulatory scheme.There are other specialized consumer-oriented financial companies. Credit unions may be organized under state and federal statutes with the power to maintain customer share accounts against which drafts may be drawn payable i n a manner similar to checks. There are also personal finance loan organizations authorized under the laws of the several states that loan small amounts of money to consumers, often at specially regulated rates that are higher than the usual interest rates allowed. These organizations normally are not deposit-taking institutions but operate with their own capital and credit. Banks often have their own small loan depart­ments to make the same type of loans, and holding companies may have special consumer loan subsidiaries or affiliate companies.Although trust activities have become a part of the activity of many com­mercial banks,1 this book does not deal with the laws that govern these trustee relationships and activities. The competition for funds has led some banks to offer managed investment accounts through their trust departments similar to those offered by mutual funds and other securities firms. Again, there are trust companies organized under state law that operate by accepting money for the purpose of investment where the beneficial interest in the funds remains in the original owner.There are other types of banking functions and specialized banks: for exam­ple, reserve banks, which are really bankers’ banks; investment banks, whose chief business is underwriting and dealing in securities, and providing financial advice and aid in corporate acquisitions and mergers; agricultural banks; foreign trade banks; and other specialized banks that have charters to engage in particu­lar types of business. Further, the peculiarities of federal laws regulating bank holding companies have encouraged the proliferation of various financial institutions that have been chartered as full-service banks but that limit their functions to activities such as consumer lending and credit card operations.Because of the diversity of functions of commercial banks and the variety of depository institutions involved in them, this book does not attempt a compre­hensive survey of all banking activity. Rather, it emphasizes the basic regulatory structure that governs traditional commercial banking institutions and the com­mercial activities associated with accepting deposits, collecting commercial paper, making payments and transferring funds, and engaging in certain credit transactions.As this introduction indicates, the laws and regulations that govern com­mercial banking are numerous and complex. The various types of financial institutions engaging in commercial banking activities are matched by an equal activities. The Depository Institutions Deregulation and Monetary Control Act of 1980 also gave thrift institutions chartered by the Federal Home Loan Bank Board the author­ity to engage in trust activities under certain conditions. 12 USC § 1464(n) (1982).In addition, the law governing the transactions of commercial banks is complex. The Uniform Commercial Code has brought a desirable uniformity to the law in many areas, but there are many special purpose statutes, frequently intended to give special consumer protection, that must be taken into account in analyzing banking transactions. There is a growing body of federal law that must be considered along with the state commercial law of the UCC and common law. This book is intended to serve as a beginning guide for the bank officer engaged in these commercial banking transactions and the attorneys called upon to advise in banking matters. It is not a substitute for careful legal counsel, how­ever, and such assistance should be obtained because this book can neither cover all the details applicable in particular matters, especially at the regulatory level, nor report on all the local variations, changes, and new developments. More­over, the facts of a particular situation will vary in ways that may introduce new legal problems or otherwise affect the legal analysis. Obtaining the advice of competent legal counsel is essential.

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Is Your Property Investment Showing More Growth Than Unit Trust Investments in South Africa?

This article is intended to focus your attention on how important growth is in your personal savings environment, to make sure the investments in your portfolio are working for you and not against you.Property investment versus Unit Trust investments can be very interesting and statistics are needed to help us understand… which is the best?According to statistics from House Prize South Africa, Nominal Property Growth from 1981 to current has been 10.6%, but when you take inflation into account your Real Property Growth was only 1.2% to date.In short, your investment should be tested against the growth of inflation, and should perform better than inflation. Even if it is growing somewhat, if it is not performing better than inflation, it is essentially losing steam. The term Real Growth is used when you minus your investment percentage with the inflation percentage.Unit trusts a Great Alternative.Registered Unit Trust investments are a safe alternative. Companies cannot run away with your money; you can only lose money if the fund performs poorly.If we look at some top performing SA Unit Trust Companies Funds, we see that some of them had an average 10-year Nominal growth performance of about 17.8%. Over the past year, growth was at 12.2%; and since the Inception of 1999, the average Nominal growth has been 19.9%, while the average inflation for this period was 5.9%.This means that the Real Growth was a very good 14%According to published figures Unit Trusts investments has out-performed Property as an investment vehicle.Safety and access to your money also plays a big role! How safe is your property investment? How much are you paying in property taxes per year? You can sell your property if you urgently need money. However, if this time period is not going to be favourable, then how quickly can you re-finance property to get money? If you can’t afford your Bond re-payment then you will have to sell your property in-time and perhaps at a loss.In other words, if you have invested in property how quickly are you able to make this investment liquid?Double Your MoneyThe golden rule with Unit Trust investments is to double your money every 5 years. Should you invest a lump-sum amount of 100 000 your investment will be 200 000 in 5 years. With this type of investment there is also no term restricting you when you can withdraw your money.With a good Unit Trust investment, your capital should grow more than the average property investment, and your money will be more easily accessible should you need it urgently.Just remember: do your homework on these investments. Most importantly the company needs to be a Registered Unit Trust Company and the Companies offering needs to have a long; respected and above average Performance Record.Konrad Wentzel
+27 82 46 22212
0800 KONRAD (0800 566 723)
Wentzel Consulting (PTY) ltd
Independent Financial Planner
FSP: 7234

http://www.icoveronline.co.za

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