You Want to Get Fit?
Do you want six pack abs?

Do you want a body like Ahnold in his prime?

Do you want to run a marathon or be in a triathlon?

Do you want to lose those love handles and look good in front of a mirror, at the pool, or on the beach?

Or, do you just want to walk up a flight of stairs without breathing hard?

The most important step in any fitness program is fitness goal setting. What is your fitness goal? Is it shown above? Is it different? Your program for six pack abs is different that your program to run a marathon.

Let’s take a common fitness goal. You want to lose 20 pounds. You are pretty happy with your overall health, but in the last few years, you managed to add an extra 20 pounds. You want to lose these 20 pounds in two months. This is an aggressive fitness goal. You need to determine how to burn enough calories to lose 2 pounds per week. Do you exercise more? Do you eat less? Is it a combination of these two? Your fitness goal setting helps you determine your course for achieving this weight loss. The same though process carries through any fitness program.

Before you start any program involving extensive physical activity, it is important to consult with your doctor. You need to openly review your fitness goal setting with a medical professional at the onset of any intensive exercise program. Part of your fitness goal setting is insuring your program is medically sound. It’s not a good program if it kills you.

Buying your first designer purse can be quite an experience. You first have to know what type of bag you’re looking for as well as if the designer you’re looking to purchase from has anything like it. Most of the time, you’ve already seen the bag that you want and it’s just a matter of spending the money to get it. This is where the problem can be depending on if you have the money to purchase the bag or if you’re going to try and find the same designer bag for half the price.

The problem with finding designer bags for half the price is AUTHENTICITY. Authenticity comes with a price. If you want the good stuff then you have to spend good money.

High Fashion is exactly that High Fashion and you have to pay to look the part. Sure you can look the part for less but does it feel as good as knowing for sure that what you have is truely authentic. The answer is NO.

The high fashion designer bags that we all know are the Gucci, Fendi, Louis Vuitton, Chanel and Coach to name a few. There are noticeable differences in the real thing and the fake. The craftsmanship that goes into designer person are well above the work that is put into the fake designer bags.

Things to look for: the materials and fabrics that are used by the manufactures of designers bags are top quality. The material is of good quality. If it’s leather then the best leather is used, if fabric only the highest quality of that paticular fabric is used and if the fabric is printed then all the spacing or whatever design the designer is using at the time is all spaced and distributed evenly throughout the fabric. The quality of the stitching on a designer bag is sewn professionally with no skipped stiches or hanging strings. Everything about a designer bag is pretty much the same. The zippers are made of the finest quality as well as buckle and straps.

Today it is getting harder and harder to spot the fakes because the knock off manufacturers are so good at duplicating a replica that you just may not be able to tell. I’ve seen some really good knock off bags but if you do your research or just purchase from the designer you can’t go wrong. There are authorized dealers and websites that can sell designer bags but check them out first before purchasing.

Ebay is another place to get a designer bag but make sure it says Authentic and the seller has positive post and contact information.

With all that said, before purchasing your new designer purse make sure you get what you pay for.

She Miller
Newark, New Jersey
onebehindbars@yahoo.com
http://www.sheshedesignerwear.com/

Negative amortization mortgages are loans where the monthly payment is not enough to cover all of the interest due for that month. The unpaid interest is added to the mortgage principle balance; this means your mortgage loan is actually growing with time. There are certain circumstances where negative amortization mortgages make sense and can be a short term fix to a financial need; however, many homeowners experience negative amortization with their mortgages and don’t even know it. Here is what you need to know about negative amortization and your mortgage.

Many homeowners are taken in by mortgage offers with monthly payments that sound too good to be true. When they fail to ask the right questions or read the fine print they find out too late their payment amount did not include all the interest due and their mortgage has been negatively amortizing. If you take out one of these mortgages the money you save on your monthly payment will end up costing you a great deal more down the road.

Normal amortization describes the process where at the beginning of your loan most of your payment is applied to interest and very little of the payment is applied to loan principal. As time passes this proportion of your monthly payment gradually reverses and more of the payment is applied to the loan principal. Mortgages with negative amortization never accomplish this reversal; there is never enough interest paid to cover the interest due. The mortgage balances grows with time rather than being reduced.

An example of a negative amortization mortgage is an Adjustable Rate Mortgage that allows the homeowner to pay an optional monthly payment amount. To illustrate this concept consider a standard mortgage that has a monthly payment of $1,000. At the beginning of the mortgage, $650 or this payment is applied to interest, and $350 is applied to mortgage principle. The same payment with a negatively amortized mortgage would be as low as $500 per month; this leaves $150 of unpaid interest each month that is added to the loan balance. Using a mortgage of this type, you will owe more for your home at the end of the month than you did at the beginning of the month.

There are certain situations where having a negatively amortizing mortgage could make financial sense. If you were to lose you job or have an unforeseen financial emergency a negative amortization option on your mortgage could ease your cash flow situation. This should only be used as a short-term solution as it will cost you a great deal more down the road. Negative amortization mortgages can also be utilized by real estate investors looking to quickly flip a property while keeping their monthly mortgage payments as low as possible. Use these loans with caution, as negatively amortized mortgages are a sinking ship that will take your finances down with it. To learn more about your mortgage options and how to avoid common mortgage mistakes, register for a free mortgage guidebook using the links below.

To get your free mortgage guidebook visit RefiAdvisor.com using the link below. Louie Latour specializes in showing homeowners how to avoid common mortgage mistakes and predatory lenders. For a free copy of “Mortgage Refinancing: What You Need to Know,” which teaches strategies to find the best mortgage and save thousands of dollars in the process, visit Refiadvisor.com. Claim your free guidebook today at: http://www.refiadvisor.com Apex Mortgage Refinance

Most people take the easy way out when selling their home and hand the responsibility over to a real estate agent, when in fact the average homeowner is capable of selling their own home.

Apart from the satisfaction of making the sale yourself there is the bonus of saving thousands of dollars in agents fees.

So why do people choose a real estate agent to sell their home? Here are a few reasons, I’m sure you can think of more;

- laziness
- lack of time

- Lack of confidence

- Unsure of what is involved

- lack of relevant skills

- lack of real estate knowledge

It may not suit everyone to sell their own home but at a guess I would say that 75% of Australians are capable of doing just as good a job as a real estate agent.

Let me tell you, it’s not as hard to sell a house as you think it is. How do I know? My wife and I have sold our last 2 homes ourselves and saved tens of thousands of dollars.

A little bit of common sense is involved. Most people have a pretty good idea what the value of their home is. If not, it only takes a little bit of research or you can employ a licensed valuer for several hundred dollars.

Put most of your effort into presenting your property in its best light. Clean, paint, trim vegetation - do whatever is required to get your place looking spic and span.

The key to getting a sale on your own is not to be greedy. Shaving a few thousand dollars off the sale price makes it easier to sell your home and you still come out ahead in comparison to paying an agent.

Once you are ready to find a buyer then place an Ad in your local paper (not the metropolitan one) and also tell everyone you know and ask them to spread the word.

We sold one house by word of mouth and the other through a local advertisement. With the advertisement we priced the house about $5000 under market value and asked for offers over that amount.

Before you find a buyer you need a contract form. In South Australia where I live you can get it from a Land Broker or Solicitor. In other States or countries it’s usually a Solicitor.

What do you do when you’ve found a Buyer?

Your Land Broker or Solicitor will have given you instructions on how to fill out the contract of sale. Basically it involves recording the details of the property being sold and details of the parties to the contract - that is, you (the seller) and the buyer. Once the contract has been filled out and signed by both parties it is returned to the Land Broker or Solicitor to process. From there on it’s out of your hands.

Still not sure you can do it on your own?

If you live in Australia there is another alternative - ANREPS have a range of different services, from Do-it-Yourself with a bit of help, to letting them do it all at a better price than an agent. You can still save thousands of dollars.

There may be a similar service in your country. Type “Real Estate Private Sales” into a search engine like Google and see what comes up. Good Luck.

Copyright 2005 by Robert Scott, LoanSense.com.au

Check out Robert’s Home Loan Australia website that is dedicated to helping borrowers get the best possible deal on Home Loans in Australia.

This is not an article about tricks for 100% (no money down) financing. Even if you do take advantage of various no money down strategies from time to time, these strategies are not generally applicable when you begin investing systematically in multiple rental homes with the goal of making significant rental income.

This is because some of these strategies require a degree of deceit and careful timing, others require difficult-to-find pricing or seller situations, and others require sophisticated legal instruments and training, or a combination of all of the above. These complex strategies are good for selling mentoring programs, books and training courses.

However, none of these methods are practical, in our opinion, as a consistent practice for profitable and stress-free ethical investing. For a consistent winning program of investing, you want to be able to act quickly, repeatedly, openly and consistently, which will enable you to build up a portfolio of rental properties in a relatively short period of time.

It is therefore much more profitable and sensible in our opinion to play it safe and keep it simple. This means to focus on obtaining good investments from the point of view of future rental income and appreciation, and pay whatever down payment the banks require.

Simple as that. If you do this, you will be able to build up a portfolio of properties quickly.

You can still get very good loan deals by shopping around for financing, or by using an independent loan broker. Make sure your loan broker shops around on your behalf. Standard bank financing at good interest rates generally needs only a 5% to 10% down payment for investment property, which is not very much in the big picture.

Unless you are going to flip a property quickly, you probably want to maintain positive cash flow for most of the time you own a rental property. This is true even if you eventually plan to sell the property at a profit. After all, you never know how long you may have to hold the property before its value appreciates significantly, particularly if you have to survive the inevitable down turn in property values which can last a year or more. The only way to ensure you can comfortably hold the property as long as you need is to have positive cash flow each month.

To this end, consider the advantages of paying a full 20% to 25% down payment. This will allow you to qualify for the lowest interest rate programs. Lower interest rates mean lower monthly payments, which mean positive cash flow. In fact, with a 20% to 25% down, you may qualify for so-called “payment option loans” with minimum payment rates as low as 1%. With these loans, the minimum payment stays low for the first 5 years, with a payment increase cap each year of just 1.075 times the previous year’s monthly payment. At these levels, you will almost assuredly achieve a very good positive cash flow.

With such minimum payment loans, you still have to pay the current adjustable rate (usually around 4.5% today). However, most of the interest is deferred. At the end of 5 years, the deferred interest is added onto the loan balance. This will probably be much less than the property has appreciated. Therefore, it is a small price to pay for the positive cash flow gained during the first 5 years.

Another option readily available today is “interest only” payments. The “payment option loans” described above usually include an interest-only option. That is, each month you have the option of paying either the minimum payment described above or an interest-only payment. Other loans do not have the minimum payment option and have only an interest-only payment option. In any case, when you make an interest-only payment, you are paying only the interest for the month, and not paying down the principle. This reduces your monthly payment allowing positive cash flow in most cases, but of course you do not build up any equity in the property.

As a general rule in most states, most loans are available with interest-only options nowadays. Sometimes you have to pay a small fee at closing for this option (typically .125% to .250%) and sometimes there is no charge. If there is no charge, you may find that the interest rate is a little higher. You just have to shop and compare loans to get the best deal, as stated earlier, or make sure your independent loan broker is shopping for you.

Here is a comparison of three monthly payments plans

1) A typical minimum payment (in a payment option loan)

2) An interest-only payment (in a payment option loan or any interest-only loan)

3) A fully-amortized payment (in which you are paying down the principle a little each month.)

For a $200,000 loan, a 1% minimum payment is $643 per month. By comparison, a typical 4.5% interest-only adjustable rate loan produces a monthly payment of $750. Lastly, a fully amortized 4.5% payment is $1013.

You can see that the minimum payment and the interest-only options are low and fairly close but the fully amortized loan can make a significant dent in your cash flow.

Beware that the minimum payment in a payment option loan and the interest-only option in any loan program lasts (generally) for only 5 years. However, there are interest-only loans where the interest only option lasts 10 years. The latter is preferable if your intention is to hold the property for more than 5 years without refinancing.

Beware also that, in order to get the low interest-only rate I have used in the example above (about 4.5%), you would need to accept an adjustable rate mortgage (ARM) program where the rates adjust annually or even more often. If interest rates jump significantly in the next two years, you could get stuck with a relatively high payment.

We are recommending for most borrowers who plan to hold properties for more than a year or two to either:

1) Obtain a “payment option loan” as described earlier with minimum payments that last a full 5 years, or

2) Obtain an adjustable rate mortgage (ARM) loan with an initial fixed interest period of 5 years. This will cost 1% to 2% more in rate, but the insurance is absolutely worth it, in our opinion, at this time in the real estate cycle.

This article has reviewed some modern strategies for minimizing your loan payments when purchasing investment rental homes. There is much more to say on this topic. So keep an eye out for additional articles by the same authors on this and related topics.

(c) Copyright 2004, Jeanette J. Fisher and Robert S. Kramarz. All rights reserved.

Jeanette Fisher, Design Psychology Professor, is the author of “Doghouse to Dollhouse for Dollars: Using Design Psychology to Increase Real Estate Profits,” the only book to reveal interior design secrets on how to make top dollar investing in real estate. For real estate and interior design psychology books, articles, tips, and newsletters: http://www.doghousetodollhousefordollars.com.

Robert S. Kramarz is a loan officer for a major loan brokerage. He has over 20 years experience in finance and business management and comes from a family a long background in real estate investing and banking. He specializes in providing financing for purchase of investment real estate. He can be reached by email at MrFunding@22cv.com. Further information is available at the website http://www.sweetloan.info.

Home gyms, how do you select a decent home gym from the myriad of home gyms available? I have seen plenty of people buy home gym equipment without putting a great deal thought into the process of picking out a premium piece of home gym equipment. I guess, at times that people will place more thought into choosing what to make for breakfast than selecting a home gym.

It’s real that the choice as well as variation in home gyms is virtually too much to handle. I can sure empathize why people might just think to purchase whatever piece of home gym equipment is pushed or looks good. Sure, esthetics is part of how we might select a home gym. Nonetheless, looks ought to be the least criteria to use.

Home gyms come in all shapes and sizes. Nonetheless, when searching at home gyms I believe the first criteria should be durability. If a gym is not durable then, of course, you will discover yourself in the market for a new home gym soon after buying the original. Yet, worse than that is the fact that psychologically when you are working out you recognize the gym is flimsy and subconsciously ease up on workouts with intensity. Intensity is a key element in having a strong workout.

And so, the first criteria to look at when choosing home gym equipment is durability. There are numerous home gyms that are intentionally produced not to last. The price may be seductive, however, if it fails after merely a few workouts then it turns into money lost.

Want to know why Strata Title Hotel Investments can be a “Hell Hole” for the unwary?

Hello, Colm here …

What do I mean by that?

Flexibility should be your investment by-word. One of those important ‘bench marks’ that you should achieve.

Strata Title Hotels are built because:

* Major Institutions don’t want to own Big Hotels.

* Not to allow you to enjoy being part of the growth in the hospitality industry.

So What Are The Facts:

Why are Hotels built and sold by Strata Title?

Why do Developer Build Strata Title Hotels?

Developers will say, “strata title allows the average investor have a part of the inner city tourism/business market.”

What’s the real reason for Building Strata Title Hotels?

Major Institutional investors in Australia do not want to own hotels any more. They got into them in the 70’s, 80’s and generally, did not enjoy the experience.

Why?

The ROI was not ‘there.’

Institutions are essentially passive investors and like Flexibility in their investments. Financial institutions do not run Hotels. So they must engage Managers, like Sheraton, Hilton etc to manage the hotel for them.

Institutions want to engage the Manager on a Lease Aggreement; however Managers prefer a Management Agreement Arrangement.

Management Agreements are the NORM for the industry, and the Managers are expert at maximizing their performance bonus and the amount left over (the investment return) for the institution has generally not been good enough for institutions to continue to want to expand their hotel investment portfolios, even in CBD locations.

So if that is the attitude of the ‘Big Boys’ and a developer believes there is a market now for a new hotel, their only other option is to go the strata title route and go for the ‘Little Guys.’

Can I put it another way, with no insult intended.

The investment performance of hotels is not good enough for the Professional Institutional Investors who have ‘money power’ and ‘high skill’ behind them; so let’s go for the non-professional investors through strata title.

Remember the Big Boys employ the Big Managers. The Big Managers don’t get involved in Strata Title Hotels. That’s left to the lower ranked managers & the lower ranked developers.

I don’t think that is good enough, do you?

1. If the complex is run as a HOTEL, you can’t live in permanently, ’cause it’s too small.

2. If its internal space IS UNDER 50sqm a buyer will not get bank finance.

3. And finally if it has a RENT GUARANTEE you’ve now got three good reasons to do a ‘180 degree’ turn and RUN.(See separate report)

If investors decides they still want to buy a strata title hotel unit, the most important document to read is the Management Agreement and if there are any Guarantees; who is underwriting the Guarantee; HOW STRONG ARE THEY?

Strata title hotels have a poor history unfortunately, because of the reputation and lack of experience of the developers who put the deals together AND PROMOTE THEM.

Only a few months ago I helped a family who had been in one of these strata title hotel investment for five (5) years. They sold for less than they paid. Enough said.

Let’s get away from hotels:

Let’s suppose your financial world has fallen apart, and you have to cut things down to the bone.

If your investment unit/house has been designed for the investment market, it is generally smaller than what society regards as a normal size.

You and I know what a NORMAL house and unit looks like and feels like; don’t we?

When you see Rent Guaranteed Investment Real Estate, have you noticed that they just don’t look like we expect normal houses and units to look.

Usually they are much smaller and are built in a complex.

So the first rule is never buy any property that is under 50 square metres internal area. Do not include balconies in this calculation.

IF THE AREA IS UNDER 50 SQM INTERNAL AREA, BANKS WON’T ACCEPT THE UNIT AS SECURITY.

Oh, you say, ‘but my friend was able to buy one and the bank lent them the money.’ Yes, you are correct BUT it is usually a finance deal done by the developer with the bank and the bank will usually have security over other assets.

When you come to sell, a bank won’t lend BUYERS money for a property under 50 sqm internal area, and that leaves you looking for a ‘CASH BUYER ONLY.’ Your Flexibility is wounded, but you can’t see the blood yet.

The unit/house is physically not considered standard, as compared to what is normally on the market. They can vary from small houses/townhouses in outlying areas or inner city units in complexes being run as a hotel/motel.

The Real Estate Development Coach

Author of “Residential Development Made Easy”

Colm Dillon author of “Residential Development Made Easy“ the only ‘How To’ Become a Developer eBook, selling in 38 Countries, has developed $1.2 Billion worth of real estate - read more on his web site http://realestatedevelopmentcoach.com/realestatedevelopment.html

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You can buy mobile homes for much less than stick-built houses in most areas of the country. Despite the common predjudice against them, mobile homes are the cheap housing choice of millions. While the advantages are not always obvious, they are real.

One of the advantages is fast equity buiding. You see, the myth about mobile homes depreciating is only half true. In parks they generally go down in value over time. Buy mobile homes on land, though, and they’ll usually go up in value.

Buy Mobile Homes With Real Estate

My first home was a mobile, and it doubled in value in the twelve years I lived in it. The home deteriorated a little (don’t all houses?), but the value of the land rose. With a lower price than a “stick-built house, the mortgage payments were lower. Because of the shortened amortization (seven years), and lower loan amount, I built equity fast.

Buy Mobile Homes To Build Equity Fast

A house with a $100,000, 6%, 30-year mortgage loan gives you a payment of $599.60. $500 of the frst payment will go to interest, $99.60 to principal. You built equity of $99.60 (I’m ignoring appreciation for the moment).

A mobile home on land, with a $30,000, 8%, 10-year mortgage gives you a payment of $363.99. The higher interest rate is normal with mobiles. The shorter term is normal too, so you’ll own the home free-and-clear in 10 years instead of 30. The first month, $200 will go to interest, meaning $163.99 goes to principal. You built more equity in this scenario.

A mobile home on land might appreciate more slowly than a “regular” house, but faster loan pay-down probably may cover this factor. Now, if you also chose to bank the difference in payments ($235.61 per month), you’d definitely be better off financially with the mobile home versus the more expensive home (Except during times of fast appreciation).

You can pay less per month and build more equity. Your real estate agent won’t tell you this, and don’t expect him to agree even after you explain it. Math skills aren’t part of the licensing requirements (at least they weren’t when I sold real estate).

Other Advantages

You can do what you like with the home when you own the land. I rented rooms in my home, and took in more money than it originally cost.

Mobiles are cheap to maintain. I once had a furnace die in a mobile home I owned as a rental.This is about the most expensive repair you’ll have in a mobile. I replaced it for $1,200, which is much less than a furnace for a larger home. For $200 you can tar the roof, or $30 if you do it yourself, instead of $5,000 to re-shingle a traditional roof. Windows, plumbing, and doors are all cheaper.

Property taxes, because they’re based on value, cost less. Insurance is less because you’re insuring less value. Just be sure you can get insurance before you buy. Some old mobiles may be uninsurable in some areas.

I wouldn’t buy a mobile home if house prices for houses are just as low in the area. We bought a house near Butte, Montana for $17,500 - less than mobile homes for sale there (See a photo on our site).

Will your own needs and predjudices let you be comfortable in a mobile home? It’s something to consider. They may be in areas you don’t want to live (true of houses as well). These are personal things you have to consider.

Why buy mobile homes? The advantages are clear for young people starting out, who may have no other options. It may also be your better option, when you consider the lower price, the simpler, cheaper maintainance, lower monthly payments, low property taxes, lower insurance costs, and faster equity build-up. Why not buy mobile homes?

Steve Gillman has invested in real estate for years. See a photo of a beautiful house he and his wife bought for $17,500 on his home page, or go straight to the section on Investing In Real Estate: www.HousesUnderFiftyThousand.com

Located in the Pacific Northwest, Oregon is hip state that gets a lot of rain. This rain results in a beautiful green state, but doesn’t put a damper on the real estate market.

Oregon

From the stunning Crater Lake to Pioneer Square in Portland, Oregon is a diverse state. The population ranges from hippies to the very conservative depending upon where you happen to be standing. There are forests, beaches, rivers and even deserts. All of this is typically within a couple hours drive from every major population center. Go skiing one day and sailing the next!

Portland

Portland is truly a big city with a small town feel. This dichotomy is a product of very careful planning, which has led to a lack of the urban sprawl seen in so many other cities. The architecture has a prominent east coast flavor, with red brick buildings on prominent display. The city is populated with coffee houses, bookstores and microbreweries. Indeed, Portland seems to be the home of the microbrew, with literally hundreds seeming to exist. For quality of life, Portland gets top marks.

Eugene

If you’ve watched the movie “Animal House”, you’re familiar with Eugene. Yep, the movie was shot there. Eugene is a wonderfully eclectic mix of styles, politics and attitude. The home of the University of Oregon, the city is energized with student activities. On the other hand, Eugene also has a sophisticated side with operas, Bach classic music festivals as well as a symphony and ballet company. Perhaps the best thing that can be said about Eugene is most visitors make plans to live in the city at some point in their life.

Oregon Real Estate

Oregon real estate is reasonably priced, but fluctuate wildly depending upon the particular location you are considering. A single family home in Portland will set you back $300,000 on average, while one in Eugene will run in the $325 range. The appreciation rate for Oregon real estate is a robust for 15 percent for 2005.

If you enjoy a bit of weather and the outdoors, Oregon is definitely a state to take a look at. Just keep in mind that once you move there, you may never leave.

Raynor James is with www.fsboamerica.org - FSBO homes for sale by owner. Visit our “sell my home” page at www.fsboamerica.org/seller.cfm to sell your home yourself with a free 1 month listing.