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"If...you can't be a good example, then you'll just have to be a horrible warning." Catherine Aird

Do people willingly want to follow you? The real test of leadership is influence. Would your subordinates describe you as an effective manager, supervisor or team leader? Be honest with yourself. Put yourself in their shoes. Would you want to work for YOU?! If your employees' pay, perks and benefits were not dependent on doing what you ask, would they still want to follow you? If the answer is yes, you are truly a role model of leadership.

In conducting leadership training around the world for over a decade, here are the key traits I hear over and over that employees want to see in their leaders. And most of these employees are managers themselves.These traits will sound familiar to you. Yet, we need to be reminded of them. Many managers confide to me that they're so overloaded they forget about practicing many of these qualities on a regular basis.

1) Supportive/Good listener: It's been said the average person listens to what you have to say only 25% of the time. Yes, that's right. Much of the time we're caught up in our own "stuff" and we're not always listening. Listen. Think before you speak. Some people just need to be allowed to vent. Vent within reason of course. Then, they'll be more likely to listen to you.

2) Open-minded. It's hard to listen without an open mind. At least acknowledge what your employees have to say. It doesn't mean you necessarily have to agree. In order to gain respect and get your team members to follow you, sometimes you first have to show respect.

3) Honest. Do you possess personal integrity? Your team members will look to see if you do what you say you are going to do. This sounds like common-sense and it is. Yet, many in a leadership position forget this important trait. The minute you can't deliver on your promises you lose all credibility. It will be the one thing your employees will always remember. As the saying goes, "They remember your last act." Under promise and over deliver. Always do what you say you are going to do.

True Leadership = Inspiration:

4) Inspiring. True leadership = inspiration. Real leaders have a passion for what they do. They are able to transfer that enthusiasm to their employees. People want to follow someone they respect and admire. In my leadership training, a lot of managers tell me they also want a leader "who is balanced in their personal as well as professional life." They see a balanced leader as someone who walks their talk. Employees want to follow someone who has what they want.

5) Intelligent. I frequently hear the comment, "In our organization, the left hand doesn't know what the right hand is doing." Or, "My manager really has no idea what I do for a living. What my job entails, the challenges and the time constraints." Please educate yourself on each of your team member's responsibilities. It's the only way you can speak intelligently to them and gain respect.

6) Future-oriented. Upper management should put their organization's five year, three year, and one year plan in writing and pass it out to every employee. A lot of employees don't know their organization's overall goals and objectives. An integral part of leadership is having vision, and being able to convey that vision in a way that excites and inspires team members. A great way to motivate most of your employees is to show each and every one where they fit in with the organization's big picture. Most of them want to know their purpose and how they make a difference.

Effective Leadership = Effective Social Skills:

7) Excellent communicator. Many people are promoted to leadership positions based on their "hard skills" or technical skills. Yet, most managers describe true leadership as demonstrating good interpersonal skills. Excellent leaders and managers aren't just good communicators in terms of what's expected on the job. They also make it a priority to take a sincere interest in their employees. Little things go a long way. For example, know your employee's birthdays, whether or not they have children, and acknowledge their length of service on their anniversary.

8) Fair-minded. Employees and managers alike respect leaders in an organization who are fair, objective, and "don't play favorites." They want sincere recognition for a job well done. Most employees want to be judged on their performance, not on whether or not they've got friends in high places.

9) Flexible with change. An effective leader is open to change, new ideas and taking risks. A leader who is a good role model doesn't take a "my way or the highway" approach. They're confident enough in themselves that they can give explanations for WHY a change is being made. Employees always want to know why. Managers and leaders who are secure within themselves don't need to say, "Because I'm your supervisor and I said so."

10) Leadership starts with service. Effective leadership involves rolling up your sleeves and helping others. The term "servant leadership" was coined in 1970 by Robert K. Greenleaf, former AT&T executive and founder of The Greenleaf Center for Servant-Leadership. He wrote, "It begins with the natural feeling that one wants to serve, to serve first. Then conscious choice brings one to aspire to lead."

"A good example is the best sermon." Anon.

Copyright (c) 2006 Colleen Kettenhofen

Colleen Kettenhofen is a speaker, workplace expert, & co-author of "The Masters of Success," as featured on the Today Show, along with Ken Blanchard and Jack Canfield. For more free articles and e-newsletter, & to order the book visit http://www.ColleenSpeaks.com Topics: leadership, management, difficult people, public speaking.Colleen is available for keynotes, breakout sessions and seminars. Call 971-212-2412 or email colleen@colleenspeaks.com . http://www.ColleenSpeaks.com . You are free to reprint or repost this article provided Colleen's name, website and email are provided with the article.Mortgage Lead Transfers
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With or without an existing credit history, good or bad, youre sure to be approached by someone with a credit card offer. And although all credit card offers seem wonderfully tempting, its usually the case that youre only suitable to a particular type. To know which credit card offer is really meant for you, heres what you should know.

Tips on How to Know If a Credit Card is for You

KNOW THYSELF More importantly, know why youd want and need a credit card in the first place. Consider the side of necessity first: how can a credit card help make your life better? Is there a way for a credit card to help you become more financially solvent? Next, think about the pleasant side of the fence what perks would you wish to enjoy from using a credit card?

Lastly, take a good look of yourself and make a self-evaluation by asking these questions: Am I ready for the responsibility of having a credit card? Do I really know what Im getting myself into? Can I promise to myself to pay my credit card bills promptly?

KNOW HOW OTHERS THINK OF YOU The others in this part refers to the banks and creditors that you have transacted with in the past. If you have any bills or loans to pay, those can already serve as your credit background and may be one of the reasons that youre given credit card offers that you dont really find desirable.

If, however, you dont have any existing credit records, this isnt exactly a good thing either unless youre a fresh graduate. Thats understandable, of course, because youve just entered the real world. If, however, youre already an adult, you should at least have a reliable and steady source of income. Without it, the types of credit card offers you can expect to receive are sure to be limited.

KNOW ITS RANGE Some credit cards can only be used in specified stores or limited to a certain region in the United States. If, however, you receive credit card offers for Visa or Mastercard, these will allow you to use your credit card even if youre abroad.

Cards with well-known names like Visa or Mastercard are definitely suitable for people who travel often or intend to use their cards in a variety of establishments. These cards, however, imposes stricter application requirements that what youd expect from credit cards with a smaller scope.

KNOW ITS AFFILIATES Some credit cards offer special interest rates and other kinds of perks and privileges if youre affiliated with a particular association or company so do make sure that you ask the person who made the credit card offer about this. You might even be able to choose a specialized design for your credit card if you happen to satisfy any of their stipulations regarding this matter.

Now that you know what type of credit card offer is right for you, there are only two other things left to do:

Firstly, take the necessary action to verify whether the credit card representative that approached you is really an employee or agent of the issuing company and that hes really providing you a legitimate credit card offer.

Secondly, be prepared to spend a bit of time and effort to satisfy the application requirements for the credit card offer youve chosen to take up. Youll have to furnish the credit card company with documentary evidence of your income and credit history. But after that, the credit cards all yours to swipe!

Mario Churchill is a sales person and website owner. He manages a website, http://www.usa-credit-card-guide.com, where you can find the best credit card offer for your needs and apply for a credit card today!Mortgage Lead Transfers
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Breckenridge Ski Resort is located in Breckenridge, Colorado, where there is no shortage of amazing snow. The ski season runs from early November to late April.

Twenty-eight lifts service 2208 acres and 147 trails. The mountain is 12,998 feet tall, which makes for long trails and more time on the slopes. The longest trail is 3.5 miles long and is a combination of intermediate and beginning levels. 15% of the trails are for beginners, 33% are intermediate level, 32% are advanced and 20% are expert level. Many of the advanced and expert level runs feature bumps, glades and are often almost deserted.

For 20 years people have snowboarded at Breckenridge. The resort offers four terrain parks, four halfpipes, and a Superpipe with 18.5 foot high walls. The Freeway Terrain Park was ranked one of the best by Snowboarder, Transworld Snowboarding, and Freeze magazines. For their 20th anniversary as a snowboarding pioneer, Breckenridge will update and revitalize their already amazing terrain parks. The resort also offers terrain park classes so you can take your skills to the next level.

If you are an intermediate or advanced skier, Breckenridge is a good place to take lessons. As well as offering highly skilled instruction, the ski school has free video analysis to help you discover subtle imperfections in your technique, so you can improve as quickly as possible.

Besides skiing and snowboarding, the resort also offers ski blading, dog sleding, snowshoe tours, snowmobile tours, Nordic skiing, ice-skating and hockey. Another feature you shouldn't miss is the free, guided mountain tours.After playing in the snow all day, check out the recreation center. It has free weights, cardio equipment, aerobic classes, basketball courts, two climbing walls, and separate pools for adults and children. Relax in one of the two hot tubs, the sauna or the steam room.

Close to the mountain is the 136-year-old town of Breckenridge. With over 100 restaurants, 6 spas, 39 bars and clubs, 258 boutiques and 501 hotels and inns, there is something for everyone. On the mountain, there are also a variety of restaurants, pubs, and grab and go options so you can always get fueled up quickly, even if you don't want to go into town.

Perhaps the most unique and refreshing thing about this resort is their environmental policies. The people at Breckenridge Resort consider themselves to be stewards of the land and the resort makes a concerted effort to promote renewable energy, resource conservation, recycling, wildlife habitat preservation, and environmental education. Part of the energy that runs the lifts is generated by wind turbines. They offer free bus service to reduce pollution and they close certain sections of the resort during elk calving season. The ultimate goal is to move the resort towards complete sustainability. To learn more about this project go to http://www,naturalstep.org/.

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Introduction

Current Market Prices

The UK property market is now viewed as one of the most expensive markets in the world. Year on year increases make buying property more difficult for first time buyers. Remortgaging your property can be a major expense so best to check carefully what you are doing with qualified people and companies.

The odds are not stacked in your favour!

Mortgage companies want us to remortgage more every year so they can out extremly high fees on our mortgages making them even more money than they currently make which is millions of pounds every year. Mortgage advisors earn roughly 0.5 when you can pay 0 on your credit cards. Speak to you broker and see if you can get these in the mortgage you can again save thousands.

Shop around

If you arent a credit card tart yet then if your looking at you mortgage its certainly time to get going on your credit cards. Shop around and get a great rate there are loads at 0 cards that are for 1 year and get a offset mortgage so basically you are borrowing money at 0 on it again! Extremley clever and extremly dangerous if you miss payments.

So you borrow money for free and make 6 interest and YES they are legal!

Look at your credit card statements and all your debts and mortgage staement get to understand this stuff!

Now or Never

Look at the future

Ah the never never! Such a nice feeling to pay nothing now and get it in the neck later. Its like being a kid with the sweets. I'll eat them all now and later, well who cares?

Ignore the future

Some people say they market is so crazy who knows what will happen in the future. Yeah maybe but ignoring the future will just make you even less prepared for all the things you may need later on!

Plan for the future

Get a piece of paper and write down what you'll be doing over the next 25 years. Did your face drop? Well your just going to sign up for 25 years you better be ready.

Remember this isnt a dog for christmas this is a financial product that just wont go away once you have signed on the dotted line so be prepared!

Revalue Your House

Why?

Once great way of getting a better mortgage product is to get a bigger deposit. Ok how do you get more deposit? Get a bigger evaluation. If you havent got a recent evaluation you may be missing out on thousands at the time of writing this the market changed 10% in three months in this area. On an average home of 200,000 that's about 20,000 deposit you just got for free. Why don't you go and get it and use it to get a better rate?

Invite three estate agents for tea

To get a good market quote get three or more estate agents to value your property this way you can use the top two to get the best price for the mortgage company.

Ask them how to improve the price of the house.

Estate agents sell houses. Ask them what they would improve on yours. You may be able to do some simple stuff to get a better price. Ie front garden in to a parking space or even a loft conversion. One more bedroom in a London house can easily add 25,000-40,000 to a property.

What did next door sell for

You can always check out what people sold for their houses in the street near you very easily.

Government Grants

Check it out

You wont believe this but its true there are still government grants avaiable for home inporovements. So check with your local couincil they may help with renovation work.

Check with mortgage company

Mortgage companies like it when you improve your home as there risk is better on a propoerty that instantly grows in value. Check with your broker about mortgages with improvement loans.

Phillip Turner is a Director at Property ProductsMortgage Lead Programs
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Did you know that real estate sales agents are on the bottom of the professional trust scale, this-close to used car sales people? Have you or someone you know had an unfortunate experience with real estate sales agents?This perception of not trusting agents has not changed in over thirty years. I am here to tell you why and how to handle these agents.

Real estate sales agents have gotten lazy - or cheap. It is no wonder that For Sale by Owners, reduced-fee realty companies, and the internet are taking over as THE place to buy and sell real estate.

If real estate agents were living in the land of abundance they would hire an assistant to do all they work they seemingly do not like to do: return phone calls, place signs on properties, show up for open houses, and keep appointments.

How do I know all this, you may ask? I have interviewed many buyers, sellers and successful real estate agents.

But what did I learn that could help you and real estate agents who will read this article? Listed below are four challenges and solutions for the real estate professional, as well as the seller or buyer of real estate.

1) Real estate agents do not know how to tell time.

When they say they will be by in an hour, and three hours go by, you begin to wonder. Solution: When they call to set up an appointment to view your home for sale, get their cell phone, office phone and the spelling of their names. If they do not visit you home within the allocated time, you call them. Also, make sure they contact you fifteen minutes prior showing up so you can be prepared. Of course, if you are not home, no problem. If they do not show up, call your agent to report them, then contact their broker. There is integrity involved in real estate licensing, and their broker has a responsibility. Agents can keep their word or call ahead to say they will be late. Common courtesy, sometimes, not so common, must be adhered to.

2) Real estate agents are impatient.

Once they get the listing of your home, there is a rush at the beginning of the contract. Open Houses for the public as well as for other realtors to preview are abundant. But once that first offer comes in and you do not respond post haste, they start to push you. Now, when I shop for something, I might take a day or two, or even longer. If I am looking for a car, for instance, I will do great deal of research as to type, price, color, and year of make. But when an impatient realtor places an offer before you, they give you about thirty minutes to decide. Most people take longer to buy a pair of shoes, let alone selling their home!

Buying or selling a home is the largest deal you will ever make in your life. Take the time you need, ask your agent to back off and give you some space, and do not be intimidated by anyone. Its your money. Agents can trust the process, trust themselves as well as their sellers or buyers. Remember, this is one of the biggest deals that people will make in their lifetime. Be patient and ask your agent to be professional and respectful.

3) Sometimes real estate agents lie!

There is plenty of competition in the real estate industry. Agents want all the prospects that come in to the Open House as theirs; they will undermine you to get that listing and not think a teeny tiny moment about saying that Hey, that house is already sold! to get people to buy their own listings.

If you discover that an agent has lied, call them up, whether you are another agent or a homeowner. It is your property, your listing, and your responsibility to meet them head on. Nobody will be on your side except you, the owner. Your agent is sometimes more worried about keeping the peace because most real estate communities are small and tight. Remember the agent is a professional and should act like one. Hear that agents?

4) When real estate agents become pushy.

If you as a buyer are taking too long to purchase, or as a seller, your listing has been on the market more than sixty days, many agents go bonkers and start getting pushy. Why does this happen? Agents will tell you, and some statistics back this up, that if your home does not sell in the first sixty days, interest will wane. Possibly. However, there becomes this great push for you to reduce your home. The question then becomes, Why did you tell me to list the property at this price to begin with? Well, there is no clear answer, because the bottom line of all real estate transactions is willing Seller, willing Buyer. Thats it. For the buyer, if you do not purchase immediately, some agents get angry. They look at all the time they have spent with you and wonder why you are not taking action.

The solution for the selling agent is to communicate to the seller in the beginning and say, hey, if your home does not sell in the first sixty days, there may be some outside influences we cannot predict and action must be taken. Sellers will at least feel as if they are somewhat in charge of the situation. As for buyers who are being pushed to purchase, agents must train the buyer.

The best time to buy is yesterday, not tomorrow. Interest rates and sales prices are almost irrelevant. What is relevant is the relationship between the buyer and the buyers agent. Establish a relationship of trust and all will be well. Start pushing and all will be stressful. Agents - take heed and remember that you are a professional.

Not all real estate agents fall into the above categories. As in any business, a few bad apples spoil the rest. But real estate agents have not been low on the trust totem poll without reason.

As agents, remember that you are or should be a professional. If necessary, take communication classes so you are better able to interact with your client and facilitate a great relationship.

As a buyer or seller, you are in charge. Hard to believe but it is true. You are in charge of your life, your money, and your rights. If someone pushes you around, dont blame them if you are unwilling to accept responsibility. It becomes too easy to blame the other guy. Thats why real estate agents may still not be looked upon as the most trustworthy of people.

The solution? Respect yourself. As an agent, respect the professional inside yourself. Respect your buyers and sellers. Buyers and sellers, respect your time, energy and money. Take responsibility for your own actions, ask the agent for what you want and have yourselves successful transactions.

Joanne Victoria, 25-year Real Estate Coach and Core Vision Strategist, helps real estate entrepreneurs and independent professionals gain clarity and focus so they can achieve more of what they really want. Author of 3 books including: Vision With a Capital V- Create the Business of Your Dreams. Joanne offers FREE help through her monthly E-zine, Create the Business of your Dreams at: mailto:CreateYourBusiness-subscribe@topica.comLive Mortgage Leads
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Are you getting ready to graduate? Well, along with college graduation comes the much-dreaded student loan repayment. If you were lucky enough to qualify for subsidized student loans, the government has been paying the interest on your student loans through school; if you had to take out unsubsidized student loans, your interest has been accruing. Either way, six months after graduation your grace period ends and it is time for you to begin repaying your student loans.

NextStudent, a leading Phoenix-based education funding company, recommends that you start shopping around for student loan consolidation loans as soon as possible. Student loan consolidation (http://www.nextstudent.com/consolidation_loans/consolidation_loans.asp) is a great way to manage your monthly student loan payments. Not only will you lock into one loan at one fixed interest rate, it also is possible to reduce monthly payments by up to 60 percent and eliminate the hassle of dealing with multiple payments to different lenders.

Do Your Research before Selecting a Student Loan Consolidation Lender

Frequently, college financial aid offices offer students a list of Preferred Lenders for all of their financial needs, from Stafford loans to student loan consolidation loans. However, students are not required to work with the lenders on those lists and instead should shop for a company that best suits their needs.

Just like every student is different, every lending company has its own character, ethical standards and quality controls. Borrowers should be selective and choose their lender carefully, making sure to consider and compare the reputation and integrity of the company, level of customer service provided, and the individual student loan consolidation (http://www.nextstudent.com/) incentives offered.

NextStudents LOCKED Discount

The federal government sets the base interest rate on all student loans (http://www.nextstudent.com/student-loans/student-loans.asp), including student loan consolidation. The only true differences the consolidation loan lenders provide are the incentives offered by each company. For example, in an effort to extend significant savings to borrowers, NextStudent offers a 1 percent LOCKED interest rate discount after 36 consecutive on-time payments, which borrowers retain for the life of their student loan, while other lenders may revoke their benefits for a single late payment. NextStudent also is committed to providing outstanding customer service and the best incentives in the industry.

Some of NextStudents Federal Consolidation Loan Benefit Packages:

Package #1
1 percent LOCKED interest rate reduction after 36 on-time payments
.25 percent interest rate discount for Auto-Debit payments

Package #2
2 percent interest rate reduction after 36 on-time payments (not locked)
.25 percent interest rate discount for Auto-Debit payments

NextStudent believes that getting an education is the best investment you can make, and it is dedicated to helping you pursue your education dreams by making college funding simple. Learn more about Student Loans, Private Student Loans (http://www.nextstudent.com/private_loans/private_loans.asp) and Student Loan Consolidation at NextStudent.com.

Jeff Mictabor is an enthusiast on the topic of student loan issues in the news. He has been writing for the past 10 years for a variety of education publications. He now offers his writing services on a freelance basis.Live Mortgage Leads
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Adjustable rate mortgages are long term mortgage loans with variable interest rates. They have a schedule of principal and interest payments just like a fixed mortgage, but the interest rate may be adjusted at regular intervals during the term of the loan. Therefore, the monthly payments are likely to move up and down as the rate is adjusted.

An ARM is an important financing alternative for first and second mortgages. In addition, many home equity loans are structured as adjustable rate mortgages.

In addition to the contract interest rate, discount points, loan to value ratio, and maturity, ARMs have their own unique set of terms:

- Adjustment Interval: most ARMs are adjusted at regular intervals stated in the mortgage contract. In between these intervals, the interest rate on the loan is constant. The shorter the interval, the more sensitive the loan is to changing interest rates. Most first ARMs are adjusted annually

- Initial Interest Rate: all ARMs have an interest rate that is fixed until the first adjustment date. Sometimes this rate is set low to attract borrowers, called a teaser rate. Therefore, the initial interest rate does not indicate the long term cost of the loan.

- Convertibility: some ARMs provide the borrower with the option to convert to a fixed rate loan during the loan term.

Because your payments almost always rise later on, some detractors call it a compact with the devil. Nonetheless, an Arm in some markets can cut your initial payments by as much as a third. That can mean the difference between being able to purchase and being left out in the cold.

The best way to understand an ARM is to compare it to a fixed-rate mortgage. With a fixed-rate mortgage you always know where you stand. Your interest rate and your monthly payment remain constant for the life of the loan whether it is for 3 years or 30 years.

With an ARM, its quite different. Your interest rate fluctuates, it moves up and down depending on market conditions. Your monthly payment, which reflects the interest rate, likewise can vary up or down over the life of the loan.

Given a choice between a mortgage where you never know what your monthly payment is going to be, and a mortgage where the monthly payment is fixed, any reasonable person would opt for the fixed-rate mortgage. The real key to deciding whether or not to get an ARM is how long the teaser rate lasts. If you get an initial low interest rate and payment for just 1 month, and then it goes up, you have accomplished almost anything.

On the other hand, if the low monthly payment lasts for several years, it can be just the right thing, particularly if you sell or refinance when the teaser expires. In fact you want the teaser to be for as long as possible so you get a lower monthly payment than you otherwise would get. Second, you hope that once the teaser evaporates and your interest rate and payment go up, you can refinance to another ARM with another low teaser.

Stefano Sandano is a home equity loan expert and if you want to know more about mortgages and loans you can visit http://www.homequity-loan.com.Live Mortgage Leads
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Did you know that you have access to a series of free marketing lessons delivered to your postal mailbox and your email inbox every single day of the year? That's right, every day you receive a wealth of valuable marketing information that could improve your mortgage business dramatically.

If you're like most people, you are ignoring this valuable learning opportunity. In fact, you're probably throwing away your junk mail immediately and deleting emails without even looking at what's being offered and how it's offered.

As far as email goes...most of us sign up for mailing lists in order to access information. We understand that the price for that information is giving up an email address. The result is a series of subsequent marketing emails from the person providing the goodies. When we get those emails, we might read them or we might just delete them as we go about our daily business.

Whether it's a direct mail piece or an electronic email delivered to your inbox...what you should be doing is reading each of them very carefully. No, I'm not saying that every product offer you receive deserves your purchase via credit card! Far from it! What I'm arguing is that each of those offers is a free object lesson in marketing.

Read them. Analyze them. What is the person sending them doing right? Is the letter/flier or email a good one or a bad one? Is it effective or does it turn you off? Does it get your attention? Does it make you want to buy? Would it make others want to buy? What can you learn from it?

Pay careful attention to the mailings from successful marketers who are recognized as top performers in their fields. Learn from their direct mail and emails. In many cases, major advertising agencies have put these offers together at a tremendous cost.

I'm not suggesting that you read every piece of spam sent to you, but you should pay close attention to the opt-in mailings you receive. Even if you aren't interested in the product behind the mailing, the text of that copy itself can be extremely valuable to you as a mortgage professional and a marketer.

Everyday I receive over three hundred emails. Many of these are a result of my opt-ins to subscriptions, newsletters, and email courses. Some are just plain spam. I don't use any email filters because they also inadvertently filter out the good emails I want to read. The spammers will always win the battle with programmers that design our email filters. Never do I miss an important email because it was placed in a junk folder somewhere automatically.

I try to handle each email once. It is either deleted immediately or, if it is a result of my opt-in and covers topics like Real Estate, Mortgage and Finance, Internet Marketing, or Customer/Client stuff, I do a speed read and save it using the sender's name as the folder name. I don't save the emails in an Outlook folder...instead; I set up an email folder on an external disc drive and save each in their own file. If the email requires my action, it's flagged and left in the inbox until completed. It's then saved and the original message deleted.

You'll be surprised how quickly you can review your junk mail and email and benefit as a result. Subscribe to as much as you can and read them. You'll learn how to better market your mortgage products, how to refine your advertising copy, and much more. It's a completely free resource that deserves better treatment than a quick trip to the trash can or the delete key!

Tom Domin is the author of "101 Ways to Originate Mortgages" and publisher of "Tom's Mortgage Tips" a twice monthly Mortgage Newsletter geared for Mortgage Professionals. Put your mortgage career on the fast track and sign-up for FREE at http://www.MortgageMarketingToolKit.com/ Live Mortgage Leads
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In this article we're going to discuss what to do when you reach the age where you become a legal adult.

Depending on where you live, that can either be 18 or 21. Most people consider 21 to be the big day so we'll focus on that.

Reaching your 21st birthday is a big milestone. You're no longer mommy and daddy's little boy or girl. You're a legal adult, like it or not. Most kids actually look forward to this day and can't wait to get out of the house and spread their wings. Of course before they do that they'd like to have a party that really signals the transition from child to adult.

One of the best ways to celebrate this birthday is to come to the party dressed in what you wanted to be when you grew up. So, if you wanted to be a policeman then go to a costume store and rent a cop suit. Wait until you see the looks on the faces of your guests.

Another thing you could do is come dressed in what you were wearing when you opened the invitation to the party. Of course if you weren't wearing anything this may not be a good idea. Even pyjamas could be kind of risky.

Another great idea is to have what they call a "Mad Hatter Party." This is where everybody comes dressed in some funky hat. You'll be surprised at some of the strange head gear there is out in the world.

Another great theme for a 21st birthday party is to have an ethnic night. Pick some country and then feature food and music from that country in your party plans. You may want to hire a band that specializes in that kind of music and a caterer that specializes in that kind of food.

Another great idea for a 21st birthday party is to have a "Mafia night." Everyone dresses up as mobsters. The ladies can dress up as gun molls. If you can find some imitation Tommy guns from the roaring 20's that would be a really nice touch.

Another possibility is to have a cartoon character party. Everyone comes dressed up as their favorite cartoon or comic book character. It will be interesting to see how many Superman and Batman costumes you'll have show up. Top picks for the ladies will probably be Wonder Woman, Catwoman and Batgirl.

If you're going to have an evening function most likely it is going to be formal and is going to cost you some big bucks. A great way to save your wallet a bit is to have a breakfast or a lunch or maybe even a picnic. If you're celebrating your birthday in the summer you might want to consider going to the beach. Those are always fun parties. Just make sure you tell your guests that bathing suits are optional.

In the next article in this series we're going to go over such things as venue, photographer, invitations, decor, music, cake, speeches, master of ceremonies and ice breakers.

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Bad debt bridging loans in UK is a form of very short term mortgage. These are special loans which are taken when you are selling your existing property to buy the new one or to cater any other urgent requirement. As you know that it takes lot of time to get the sales proceeding. But as your need is urgent and cant wait that long. A bad debt bridging loan covers up for such gap by providing instant monetary support.

Bad debt bridging loans are secured form of loans. The collateral here is the property being sold. Lenders are ready to accept the following as the collateral: residential properties, commercial & semi-commercial properties, auction properties, development sites, buy to let properties, retail shops and land with planning permission. If the sale process is already initiated while applying for the loan, the loan will be termed as closed bad debt bridging loan, else it will be called as open end bad debt bridge loan.

You can borrow amount equaling to 70 % of the value of the property being sold. If your property is already mortgaged, the amount of debt is deducted from this amount. The repayment period goes up to a maximum of 2 years for a bad debt bridging loans in UK.

Mostly used for buying property a bad debt bridging loans can be used to cater any of your personal but immediate purpose. This includes:

Acquisitions
Auction purchases
Capital raising
Investment
Refurbishment
Refinancing
Speculative deals.

These loans allow the people with bad credit to easily get the approval as these loans are no credit check loans. Individuals and companies, CCJ's and arrears, discharged bankrupts, IVA's, self-employed etc can easily apply for a bad debt bridging loan in UK.
Bad debt bridging loan lenders in UK can be searched through dozens of online loan websites. These websites offer you free online quotes which you can easily compare through comparison tools. This will help you in finding a loan deal which not only satisfy your requirement to the max but also is easy to repay afterwards. After that you can easily apply for the bad debt bridging loan in UK through an online application form.

Bad debt bridging loans in UK are approved within a period of 5-6 days. One should make sure to go through the small prints i.e. the terms and conditions for the loan to avoid disagreements with the lender at the time of repayments.

In the end, we can say that a bad debt bridging loans with all such characteristics is the best way to serve your urgent requirements without any delay.

Celeste Parker has been associated with BadDebtBridgingLoans. Having completed her Masters in Finance from Cranfield School of Management. She provide useful advice through her articles that have been found very useful. To find Bad credit home improvement bridging loans , bad debt bridging loans UK, bad debt commercial bridging loans, quick bad debt bridging loans in UK visit http://www.baddebtbridgingloans.co.ukMortgage Lead Transfers
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This is a brief discourse designed to help you avoid some pitfalls that many before you have encountered:

Panama is a wonderful place especially to the expat or would be expat. It is easy to become taken with the country and start thinking emotionally instead of like a calculating business person - Don't Do this. Getting excited about how great this place is and how happy you will be living here is fine but think hard when buying property.

Consider the future investment potential of the property. Be careful about considering a piece of property when the buy decision is based on future variables like a road to be build some day. What if it never gets built?

If you are retired and able to live a couple of hours from a major hospital fine, but if this is not such a good idea rethink this carefully and try to stay closer to a major city.

Panama is full of vacant land, loads of it. What Panama does not have loads of is Panama City property with an unobstructed water view where there is no possibilty of something being built to obstruct your water view. The same principle applies in other areas. Be careful try to get a unique property in some regards so it will hold it's value well compared to other properties.

Rural areas sometimes have little to no infrastructure. Often a 20 minute or longer drive is required to get groceries. Find out if the cell phones work there, if there is hi-speed internet, can you get cable or satellite TV, where is health care and at what level, if there are dirt roads ask about rainy season. Think things through. If you like to enjoy dining out, seeing movies, malls, etc ask yourself if you are comfortable with the drive times for such things.

Many people build their own house here. Before you do make sure you understand all that is going to happen. Talk to builders asking them about doors, windows, screens, locks on doors, closets, toilets, light fixtures and everything else you can think of taking nothing for granted - nothing, and get it all in writing. Find out who your builder is and what his reputation is. What happens if your builder runs over his time estimate by a few months and you have already sold your home and are basically forced to rent and wait. Remember you are a foreigner in a strange land and can easily be taken advantage of if you are not careful. Yes of course using a lawyer helps. My opinion is to use a large law firm, not a one or two man shop. I believe (my opinion only) that a large law firm will be concerned a lot about the reputation of the firm and for this reason try to make sure you have a good outcome as best as they as lawyers can assure. I personally am uncomfortable using a small one or two lawyer office. First of all they tend to be jack of all trades lawyers, where a large law firm will have one or two real estate specialists which is what you want. If you are a retiree it is most unlikely that you will ever be using that lawyer again and the developer was probably born and raised in the country and you are a foreigner (think Gringo) and the lawyer may consider it offensive to grind a favorable contract out of the developer for a Gringo who is never going to give him any more business, in other words you may get far from the lawyers best. Is this always the case - no. Are all one man lawyer offices bad - no. My advice is stay with the larger law firms. We can refer you to a law firm we use. The advantage here is they want our referrals to keep coming so you sort of have collective bargaining power in a stretched out sense of the term .

Off topic but important- when using a lawyer for immigration visas the same arguments apply. Think large firm with an immigration specialist. Again ask for a referral to the law firm we use.

Make sure the real estate person you use is licensed. There are a bunch of unlicensed ones running around - avoid them, no good reason to use them.

There is no multiple listing service in Panama like there is back home. Why???

Consider as a buyer hiring your own licensed real estate broker to represent you as a buyer. This person should not cost you anything in that the seller pays the 5% commission. If the property is listed with another real estate broker then the two brokers will simply split the commissions. This is an accepted fact of life to them that they will readily accept when confronted with the circumstances. You can always have a lawyer in on the deal as well to go over a contract. The broker listed on our web pages will be happy to represent you. Usually a buyers broker can grind the seller down for you better than you could - remember he or she is a local person not a foreigner. So my take on it is the buyers broker is free to you, you should get a better deal and save time in looking and negotiations. I should point out that the broker that has the listing has an obligation to the seller which is not you. The broker you retain to represent you has an obligation to you. As an additional thought consider using the broker on our web page to bargain with your contractor for improvements to the property or if you are building a home the whole project. Get a quote yourself and offer to pay him a percentage of what he can save you!!!! Need furniture try using the broker he is going to know where to get what you want at a price you probably won't get and this can result in a major savings. Our broker gets involved in furniture more often than you may think.

Watch your title work carefully in the rural areas - use a lawyer to protect you.

Financing a house is fairly easy in Panama. Figure on 15% to 20% down. Show income statements fom home, tax returns, etc.

For more information, please visit:
http://www.panamaexpertos.com

Jean Bouttet is a researcher, with years of experience in finances and real estate.Mortgage Leads
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Soccer players are not the only persons who wear soccer jerseys. These days more and more people are wearing jerseys of their favorite soccer team. Wearing authentic jerseys to promote their favorite teams and display their affiliations is not a new concept among sports lovers. However, off late wearing authentic jerseys of popular teams has acquired the status of passion. Even though you will find people of all ages wearing replica jerseys, young and college going crowd displays and added inclination towards soccer jersey.

Soccer Jersey- Reasons for Increasing Popularity

Soccer has always lagged behind as sports apparel-merchandising opportunity in America. Traditionally soccer uniforms were not as popular as football, basketball, hockey and baseball sports gear. However, the World Cup Soccer in 1994 has added a new dimension to the popularity of this sport. Thereafter sports apparel of soccer has gained extreme popularity and sports equipment manufacturers are overwhelmed by the continuous expansion in demand for authentic jerseys and replica jerseys.

Authentic jerseys of soccer are not only popular during the soccer season but people prefer to wear them even otherwise. This jersey is a short sleeve T-shirt type jersey and is very comfortable. Since the official gear of soccer teams has bright and vibrant colors, it is more of a fashion statement and display of style for the younger generation.

You can shop for a jersey of your favorite soccer team or player at the nearby sports apparel store, departmental store or online sports apparel stores. If you are on a lookout for authentic jerseys, you should contact the sports store or the team's store selling the official gear. It is better to buy sports apparel at least two months before the start of the soccer season. That time the stores have fresh stock of sports merchandise and you can pick a good jersey of your favorite soccer team.

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Online payday loans service provides you loans for meeting your day to day expenses between your pay days. You should be earning a minimum sum to get benefited from such service. You are also required to have a checking account. Online payday loan service is generally secured by a postdated cheque for the next pay day and doesnt require you to arrange any collateral for the lender.

The features

No credit checks No credit checks are there while applying for an online payday loan service. This enables the people with poor credit score to easily apply for such loans. People coming under such category are defaulters, arrears, CCJs and IVAs, late-payments etc.

No faxing required Borrowers are not required to fax the documents related to their application details to the lender. This ensures reduced paperwork and formalities. These loans are also known by the name of no fax payday loans.

Reapplying is possible You can apply for an online payday loan service as many times as you like. But make sure to repay them on time as these short term loans are at higher interest rates.

Apply at anytime Online payday loan service is available to borrowers during 24 hours a day. That means you can apply for such loans whenever you need quick money irrespective of the time.

Faster approvals You can get the approval for an online payday loan service in very less time. The money gets deposited into your checking account within a period of 24 hours.

The amount and repayment

The amount which you can apply for under an online payday loan service ranges between ₤100 to ₤1000. You can repay this amount within one or maximum of two weeks. You can extend the repayment period for an online payday loan service by paying certain amount of fee to the lender.

The search

You can look for best deal for an apt online payday loan service among numerous loan payday loan quotes which are free available on dozens of loan websites. You can study and compare these quotes easily with the help of online instruments such as comparison tools, debt and repayment calculators etc.

The Application process

Application process for an online payday loan service is like a childs play. You just have to fill out a simple application form with the requisite details. The service provider or online payday loan lender will notify you about your account status. Then upon approval the money will be automatically deposited into your checking account.

The last word

To sum up, we can say that, whatever be the problem or requirement (i.e. electricity and water bills, car break down, health checkups, hotel bills etc), there is only one solution and that is an online payday loan service.

Tess Ocean has been associated with OnlinePaydayLoansUK. Having completed her Masters in Finance from Yale University, School of Management. She provide useful advice through her articles that have been found very useful. To find online payday loan service, personal payday loan, payday loan uk, bad credit payday loan, payday loan application visit http://www.online-payday-loans-uk.co.ukLive Mortgage Leads
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Are you complaining about the high price for gasoline and the obscene profits of oil companies? If so, you might want to check your pension plan (401k, 403b, TSP, etc.) to see if you own their stock! Why would stockholders complain about profits at "their companies"? Could it be they're not aware they own stocks? This disconnect is because many workers and retirees put their money in employer-sponsored pension plans without really paying attention to where it's invested. It's going mostly into mutual funds whose underlying assets are stocks and bonds of domestic and foreign companies. Since many are unaware of where their money is invested, are they similarly unaware of the risk they're taking? Unfortunately, many are and this risk could spell big trouble over the horizon in retirement.

For those up to about age 50, this lack of attention to risk is not a major shortcoming because they have time on their side: time for market downturns to correct; time to increase contributions; time for the magic of triple compounding tax-deferral; time to adjust their savings/spending. Unfortunately, there is also time to develop habits that freeze them into their investment pattern. As you near or enter retirement, "time" becomes the enemy because there is not enough time for markets to correct, salaries to rise, and investment growth to occur. Yet, far too many, out of habit, still hold their retirement money in the same risky places. You must make lifecycle adjustments in your investments to lower risks as you near and enter retirement because there is less time to overcome setbacks. This hard lesson was most recently taught during 2000-2002. The previous stock market high was six years ago, or 30% of your retirement years ago. How long until we reach the previous high? The risk: no one knows!

At the end of 2005, approximately 90% of pension fund moneys were invested in assets whose value was determined by the financial markets - stocks, bonds, mutual funds and the like. According to one study, 39% of the 60 to 65 year old participants in 401(k) plans left their money in the plan upon retirement. What does this tell us? Many in their 60's and beyond are investing like they were still working and could afford the risk they're taking. Their do-it-as-always habit has prevented them from making the needed lifecycle investment changes. This could lead to their greatest fear: outliving their money.
The $14.5 trillion in pension plans is being eyed by Wall Street. They would like for you to put and leave your money in the market. That's why you don't get good advice from firms and people who manage and account for your retirement money: if you move it, they lose business. Accordingly, their answers regarding moving your retirement money to a safer place is always going to be "don't". It is in their best interest for you to keep it where it is. They're not taking the market risks that could wreck your retirement plans.

As has been stressed repeatedly, retirement is not a time to make money by taking risks but a time to keep what you've got by not taking risks. If you're in or near retirement, reduce risks by moving to safer places because you don't have time to recover from bad markets. The investment habits of a lifetime have prompted many to leave money in their employers' plans when they retire. This decision could be lethal if you can't afford the risk. The need to change investments in response to aging was well thought-out by our lawmakers as they provided for transfer of pension money so that risk could change in response to your lifecycle. The process is called "rolling over", and you should ask your financial advisor for my free DVD "Rolling Over Retirement Money: Good or Bad" which discusses the pros and cons of this topic.

Summers Asset Management Group
Russell D. Summers, CAC
Certified Annuity Consultant
http://seniortaxsavings.retirerx.com/

727-678-2778

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The coveted cup. The Stanley Cup is the prize that NHL hockey teams strive to receive at the end of a hockey season.

The history of the Stanley Cup, the most coveted award sought after by the NHL hockey teams dates back to 1892. Lord Stanley, the then Governor General of Canada proclaimed that he thought that a challenge cup should be held from year to year by the champion hockey team in the Dominion.

At that time, there was no cup. Subsequently, Lord Stanley purchased a silver cup that was 7 inches high by 11 inches wide for the price of approximately $50.00. Lord Stanley appointed two trustees of the cup, Philip D. Ross and Sheriff John Sweetland from Ottawa and also set forth conditions to administer the yearly competition.

The champions had to return to cup to the trustees in order that it be handed over to another team which may win it. Each champion team was to have their hockey team name and year engraved on a silver ring fitted on the cup. The cup was never to be the property of a team but to remain a challenge competition.

If the existing trustees resigned this post, new trustees would be named in their place. Unfortunately, Lord Stanley never saw a hockey playoff game nor did he present his cup to a winning team. Lord Stanley had elected to return to his home in England. However, the pursuit of winning the Stanley Cup has flourished over the years and has become a world class sporting competition.

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New appliance could be the next microwave oven, and those that get involved early will become millionaires. The market is HUGE! Every second of the day, 1,000 loads of laundry are started in the world. Each load will discharge 25-30 gallons of phosphate laden water back into our environment and consume an estimated $6 Billion of laundry detergent in the US alone. A new technology is now available that gets clothes cleaner using only cold water and no detergent, bleach or fabric softener; and, you dont have to throw away your washing machine.

Technology entrepreneurs can smell money in the air. An amazing new technology has just hit the market that is revolutionizing the way families have historically washed their clothes and there is HUGE money to be made. An exciting paradigm shift is occurring away from the old technology to a brand new technology. Maybe laundry isnt exciting, but if you are an entrepreneur looking for a huge market, consider this: every second of the day approximately 1000 loads of laundry are started in the world. An enterprising marketer, with a plan and a respectable networking machine only needs to capture a small fraction of less than 1% of this market to create a powerful business for themselves. If they have a large, established network, then huge fortunes can easily be made. Environmentalists love this too, because this system can potentially reduce anywhere from 25,000-30,000 gallons of phosphate laden rinse water back into our environment every second of the day.

This is a WIN-WIN situation- cleaner clothes and cleaner environment. Clothes arent just cleaned; they are sanitized and deodorized with this system. Because cold water is used, colors and whites can be mixed. Colors are more vibrant. Fabrics are softer and fluffier. Because detergents are eliminated there are no chemical skin sensitivities. Use the existing washer in most cases. Your market is everyone that washes clothes.

This is not a toy, or a gimmick. It is a rugged system that simply attaches to the washing machine. It has undergone 2 years of field testing. This is not a start-up company; they have a history of bringing high quality innovative technology to the market that works, and is affordable. There is a proven marketing plan in place and training and support is already available. The company controls manufacturing in their own U.S. facilities.

This is an opportunity that only comes along once in a generation. Enthusiastic, experienced, motivated entrepreneurs looking for that new product should contact us for more detailed information at http://www.laundryplus.com/teamhope.

Bruce Bley is founder of BCB Associates, a marketing consulting firm that deals with issues pertaining to family health and wellness. He has a B.S. Mechanical Engineering from Cornell University, an MBA from University of Hartford as well as numerous corporate sponsored management training programs conducted by major universities. He has served on the Boards of Directors of several professional organizations, has represented international corporate co-owners of joint-ventures and has been responsible for product management and business development of industrial environmental controls and air handling equipment.Exclusive Mortgage Leads
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Do you work and have young children?

Does any of this sound familiar at all to you?

You're a working couple or single parent trying to make a decent living for your family by working fulltime. You're away on the job anywhere from 40-60 hours a week. Since most of your time is spent away from home, someone's got to care for your children, so daycare is critical to your family's existence.

You feel terrible when you drop your kids off at daycare every morning and wish there was a way you could change that and be able to spend the days together with them yourself. Then, at the end of the day, you're lucky to spend an hour or two with your kids before it's bath and bedtime and time to get ready to repeat the cycle tomorrow.

But what can you do, right? Someone's got to bring home the money to pay the bills, buy the food, pay the mortgage. Wouldn't everything be so much better if you could be in your home everyday raising your children the very best way you know how?

You may have even brainstormed ways you could change this common situation in your life. Get a night job so you're home during the day? Get some type of work-from-home income going like "typing-from-home", "stuffing envelopes", "home assembly", etc. All those so called "opportunities" that just don't sound legit right from the get go. You may have even had a passing thought of starting your own in-home daycare. But that could never work either, right?

Well, that might not be quite as far fetched as you think. In fact, that same little dream has become a reality for many former out-of-home working parents. They've started their own mommy or daddy daycare and have made life changes for the better because of it. More time with their kids first and foremost, but they're still paying the bills as well. And they're their own boss too by the way! Commonly for most though, this is only a quick passing idea and then the thought of "I could never do that, I wouldn't even know where to start" pops in and snuffs out any chance of progress. You may think too that there just wouldn't be any way of getting anyone else besides your own children to enroll in your daycare.

Certainly, the market is open for excellent, quality childcare at reasonable fees. Daycare centers across the country are at full capacity or are getting close to it. You may have even encountered placing your own children on a waiting list to enroll at a daycare you chose. People rely on childcare these days, and it's hard to foresee that changing anytime soon.

Well then, what if, just what if you COULD start your own daycare and knew how to make it a success? Wouldn't it really only take having a good, proven plan and sticking to it to get started? Sure. But there are a couple of things you really need to have as your foundation before starting to build on this idea. After all, not everyone who loves their kids, and enjoys spending time with children in general, has the mettle to make a daycare business work long term. Do you have what it takes?

Thoughtfully consider the following first:

1) Do you possess a true desire to succeed in changing your life for the better for you, your children and for other families who would depend on you for their child's care and nurturing during their time at your daycare?

2) Do you know the steps required to make it happen?

It sounds pretty simple I'm sure. But, as with accomplishing anything, you need to first WANT to do it and then you have to DO it! The first part, wanting to do it and having that desire, comes from within your self. You already know if it's something you'd want to do or not. If you don't, there's no magic information out there that will change that.

If you do want to, it's simply a matter of having the right, proven blueprint to follow the steps to making it happen. Maybe you already have a general idea of what it takes from past experiences in childcare, babysitting, youth groups, etc. But where do you get a detailed plan to work from? Where do you find the information that walks you through each step in the process of starting a daycare as your own business? It's difficult. There is a lot of information available out there that can give someone general conceptual ideas to getting started. There are also some resources that include very good details about what needs to be done. Problem is, finding the right information that covers everything necessary all in one resource. Something that covers the "big picture" while still "filling in all the blanks" that might frustrate you otherwise.

The good news is that there is such a complete resource available to anyone who is interested in starting their own daycare center as a business. It's called the Starting a Day Care Center Start-Up Guide Kit by Vanessa Rasmussen. You can learn more about this guide and how it can help you make your daycare dream come true by visiting http://tinyurl.com/gopz8

David contributes articles and information on occasion to several websites. If this information helped you in any way, you can learn more by visiting http://tinyurl.com/gopz8 for further information.Mortgage Lead Programs
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Overview

The Portuguese Property Market

In recent years, there has been a true construction and real estate boom in some parts of Portugal. Along the coastal regions of Portugal, a great deal of real estate development has taken place. This development has included everything from luxurious housing developments to vacation communities that have attracted visitors and investors from across Europe and indeed much of the world.

Beyond the very fast paced development that has taken place along the coastal regions of Portugal, there has also been a great deal of new construction in some of the more rural areas of the country. Rural Portugal has proven to be a fertile area in which many people from other European nations (and from a good share of other nations from around the world) are taking to constructing second homes, lovely and relaxing retreats tucked away from the hustle and bustle of everyday life.

Investment Property in Portugal

When it comes to investment real estate in Portugal, many foreign nationals have focused their attention on real estate opportunities along the coastal regions in Portugal. By way of example, these foreign nationals are involving themselves in some of the massive residential developments that have been initiated in these coastal regions over the course of the past ten years.

In addition to investing in the residential developments themselves, some of these foreign nationals are also putting their money into those commercial real estate ventures that accompany a burgeoning residential market. For example, these foreign nationals are investing in shopping centers or districts as well as other types of necessary commercial properties.

Residential Real Estate in Portugal - Single Family Properties

As has been referenced, there has been a great deal of activity in the residential real estate market in the coastal regions of Portugal. The trend towards buying homes along the coastal regions of the country has been fast paced for nearly a decade. Most real estate analysts in Portugal believe that this high rate of activity in the coastal Portugal residential real estate market will continue unabated well into the next decade.

In addition to a fast paced market along the coast, residential real estate has also been selling briskly in some of the rural areas in the Portuguese interior.

While high end housing has been the most rapidly selling area of the residential real estate market, in Portugal, when it comes to residential real estate, there really is something for every budget. This is particularly the case in the more major cities in the country. For example, the real estate market in Lisbon is very active and varied -- the old adage that there is something for everyone really holds true.

Residential Real Estate in Portugal - Apartments

As is the case through much of the European Union, the demand for residential apartments is strong in Portugal. Apartment living provides a more carefree and, oftentimes, a less expensive way of living.

Apartments in Lisbon have been selling at a particularly brisk rate. Many foreign nationals have taken to purchasing apartments in Lisbon and in a few of the more major cities in the country. There are three primary reasons who apartments have been selling so briskly in Lisbon and in a few of the other more urban centers in Portugal.

First, with the advent and creation of the European Union, and with the trans-European economic culture that was created by the EU, and ever growing number of foreign nationals have taken to spending at least part of the year in Portugal on business. Apartments provide a practical and affordable housing solution for these business men and women in the 21st century.

Second, many people have taken to purchasing apartments in the urban centers of Portugal for vacation or holiday purposes. As with the business owner of an apartment in an urban center in Portugal, these holiday visitors find apartments an economical and practical means of vacationing in the country. This has proven particularly to be the case with families.

Finally, some foreign nationals have taken to purchasing apartments which they then turn around and rent or lease to other people. Many of these foreign investors have found buying and then leasing apartments in Portugal to be a very solid method of generating a reliable source of income.

Holiday Property in Portugal

The coastal areas of Portugal have become the locations of some of the most sought after real estate in all of Europe. The demand for vacation properties in these areas rivals even the demand for real estate in such prime European travel areas such as the French Riviera.

Many foreign nationals have taken to buying real estate along the coastal regions for vacation or holiday purposes. As mentioned previously, oftentimes these investors are buying vacation properties in Portugal for dual purposes. Of course, they are buying these properties to provide a vacation destination for themselves and their families. In addition, they are making these purchases to allow them an investment income which they obtain by leasing or renting these properties to other holiday travelers.

In addition to the coastal regions of Portugal, many foreign nationals have taken to buying residences in rural communities. Finally, in large, urban areas such as Lisbon, foreign nationals regularly are purchasing apartments which they are utilizing for vacation or holiday purposes.

Mortgage Options

When considering the options for a mortgage on your overseas property there are a couple of choices to consider;

Do you consider raising finance on your existing property in the UK to cover the whole cost of your purchase abroad? A good idea if the interest rate in the country in question is a lot higher than it is here in the UK as you will pay a lot less in monthly repayments.

Do you secure a mortgage against the property from a local bank in the country of purchase? This can be a wise option especially if the interest rate is lower than our current UK interest rate. Most overseas mortgage / bank lenders will require upto 30% deposit on mortgages. However, you will need to give some thought to how you will service your mortgage payments each month especially if you are not living or earning in that country as you may well lose out on exchanging money each time to cover monthly expenses. Check out our Foreign Currency page to see how you can save money in this example

Some Builders and developers may well offer their own mortgage facilities on their properties for sale. This can be beneficial to both parties depending on the logistics of the mortgage or loan facility. Always check and compare with the two options above before making your final descision.

For more details on Mortgages in Portugal visit our Mortgage page in the Portugal section.

Specific steps to buying real estate property in Portugal

As in many countries the world over, the first step in the real estate purchase process is the execution of a preliminary contract for sale. In Portugal, this initial contract is called the contrato de promessa de compra e venda. This particular agreement is a legally binding contract that sets forth the conditions of the sale.

The contrato de promessa de compra e venda is drawn up by a notary. At the time that this contract is executed and signed, the purchaser of the real estate is called upon to place a deposit for the real property that is subject to the transaction. In Portugal, the deposit that normally is paid by a buyer of real estate is between ten and twelve percent. If a seller elects not to follow through with the sale, he or she will forfeit the deposit that has been paid. Of course, there are instances when a buyer is justified in not closing on a contract for the sale of real estate. For example, if a seller cannot provide to the buyer a title free and clear, the buyer then does have the right to walk away from the contract and will not forfeit his or her deposit.

An interesting feature of the preliminary contract in Portugal is the fact that if the buyer decides to walk away from the contract, the buyer is obliged to pay to the seller a penalty in the amount of twice the deposit placed by the buyer in the first instance. Thus, in Portugal, the purchaser of real estate is provided with a level of protection that is found in very few other countries around the world. Indeed, this level of protection really is almost unheard of anywhere else in the world.

Another requirement that is unique to Portugal when it comes to the purchase of real estate is one in which the buyer of real estate is obliged to obtain a "Fiscal Number" from the local Tax Office. This requirement applies to foreign nationals who are interested in buying real estate in Portugal as well as to citizens of that country. The process of applying for and obtaining a Fiscal Number is very simple and does not require a great deal of time. Indeed, the process really involves completing what is in reality a very simple form and submitting it to the local Tax Office where it can be processed in no time whatsoever.

The real estate sales process in Portugal moves at a pretty fast clip. Generally speaking, the signing of the final contract and deed -- which is known as the escitura de compra e venda -- will occur within three to four weeks of the execution of the initial contract for sale. Once this agreement and related documentation is executed, the ownership of the real estate will transfer by operation of the law from the seller to the buyer. Although the buyer will become the legal owner of the real estate at that juncture, there still is a bit more work to do to completely conclude the real estate purchase process.

The final step that a person needs to take when purchasing real estate in Portugal is the payment of the Imposto Municipal Sobre, a tax imposed on real estate transactions in that country. In addition, the buyer will be obliged to register -- either personally or through a lawyer -- the deed with the Land Registry Office.

Overall, there are no added obligations on a foreign national who purchases real estate in Portugal. The rules, regulations and legal schemes that apply to citizens of Portugal apply similarly to foreign nationals who are interested in buying real estate in that country.

Property Abroad always recommends using a Solicitor or Lawyer.

Les Calvert - the Director of http://www.property-abroad.com often writes articles and information on the overseas property market. Visit their site with useful information and properties for sale in Portugal http://www.property-abroad.com/portugal.Live Mortgage Leads
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Hopefully you know all the basic methods of what works and what doesn't. Link farms are bad, reciprocal linking has lost it's value, and worthless links from non relevant sites do you no good at all. IIf you haven't heard all that before, go to Google and search for "link building 101" and read the Search Engine Watch article.

After you know the basics, you'll realize that you'll never gain any inbound links in significant numbers unless you have something of value to offer. Do you have articles? Can you educate your consumer? If not, then what else can you put on your website that will attract inbound links? what other "gimmick" or usflul reason is there for someone to point their web visitors your way?

If you're a contractor, how about assembling a resource center for your potential clients? Where exactly should they file their building permits and how? where should they go to compain about a bad contractor? Got links, phone numbers and addresses for all of the city and state offices they could possibly need? Who has the best prices in town (or shortest waits for service) on lumber and other home supplies? Make a good one, promote it on Craigs list and in forums, and local sites will mention and link to you.

If you're a real estate or mortgage broker, then mortgage calculators and easy home locators have long been tools that any decent site should have, but what if you're in a more unique business? It just requires some thought...perhaps a survey of existing customers would help. look at competing websites and see what they're doing. Don't steal their ideas... do something better!

What other tools can help your clients more easily find what they're looking for? Another resource center perhaps, for new home owners? A downloadable change of address kit, or information about all of the utility and service companies for your city or town?

A bookeeper might have developed their own spread sheet for calculating their customers profit and loss for a business. A carpet store might have a square footage calculator that saves to one list for all the different rooms in your home. A plumber might have tips about what drains go where in your home, and pictures of what @#$%! fittings go with what parts . (that's something I could have used recently).

To become a top search result for any subject, you have to become the foremost authority on that subject. Be creative, give people something of value, and when they like it, you'll get something in return...inbound links.

Scott Hendison - Editor, SearchCommander.ComMortgage Lead Programs
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Every investment vehicle and financial program under the sun has some sort of risk attached to it. Whether it is stocks, bonds, stock options (deep in the money/out of the money) puts, arbitrage, stock shorting, derivatives, mergers, Real Estate Investment Trusts, etc. The key is managing the risks within suitable parameters while superimposing an investment template and guidelines over the investment.

Many have used the Option Adjustable Rate Mortgage for consumer home purchases and some are in deep do-do for never understanding exactly what the downside held for them. Many wealthy people have used the Option ARM in combination with financial planning, as they knew exactly what to do with the payment difference between the fully indexed payment and the option payment. They put it to work to more than offset any negative amortization and have benefited. A well-known lender proponent of this vehicle structures the deal with an 80% or lower LTV (Loan To Value) and offers a biweekly payment schedule. This allows the borrower to pay the loan off in 21 to 22 years by making one extra payment per year thereby shortening the term and saving 8 to 9 years of payments. This can make for tremendous savings while working within the program guidelines. The problems started when the Option ARM became morphed by new players in the game by allowing Piggy-Back Second mortgages behind the potentially negative ARM thereby putting more pressure on the borrower to keep up with the adjustments during the current mortgage upswing. Typically the monthly payment has a 7.5% built in escalator per year for the first five years with an additional limitation of the amount of negative amortization (original mortgage amount goes up) 115% of the original loan amount. During an accelerating real estate market the appreciation has kept ahead of the negative amortization. For example: If a borrower had an original 80% LTV loan of $450,000.00 and the difference between the fully indexed rate (fixed margin percentage and the variable index used) and the minimum payment amount was say 6% less and neighborhood prices per appreciating say 11% per year fine. Even with say 3.5% inflation a borrower would be ahead of the game in this scenario. Keep in mind, the 11% appreciation is taking place on the total value where the negative amortization is effecting the mortgage amount only. As long as this scenario carried forward for say five years the borrower could be still be ok. However, when the market turns suddenly, the borrower could be upside down (owe more than the property is worth) in short order.

The best evidence of the sudden turn of events is in monitoring the foreclosure rates of ARMS versus Fixed rate mortgages. In many areas, there are steep rises in these programs. To complicate things, hybrid OPTION ARMS have found there way into ALT A market with borrowers demonstrating less than stellar credit, employment, assets, etc. or a combination of all the aforementioned. With this combination and perhaps a Piggy Back Second Mortgage making for an initial 95% to 100% Combined Loan To Value the handwriting has been on the wall for major problems when a downturn occurred in property values. There will be foreclosures, short sales (lenders settling for less than what is owed) and much agony experienced by borrowers, but eventually it will work itself out. Regulators are already touting closer regulation of Option ARM and other mortgage hybrid products that may pose a danger to the consumer.

So do we through the baby out with the bath water, or is there a way to make this program work?

Lets then look at a four-unit residential investor property acquisition using an OPTION ARM mortgage vehicle. This is a scenario and discussion of buying property in a softer market as is found in many areas of the country. If the goal in any investments is to make something in the range of 10% plus or minus in other investments then how would this four unit stack up. First of all if you are a professional property manager, great. If not, spend a lot of time to locate and interview a licensed professional property manager perhaps with a Certified Property Manager Realtor designation. Proper management is a must. A street smart Realtor who is not afraid to make lots of low offers is another. Like stocks, a margin account can get you about 50% leverage. Likewise real estate has that and more. Our goal then would be to buy an undervalued property with seller help on costs. The property will be structurally sound with a good roof but may be tired looking and dated with tenants paying less rent than the market. After negotiating a stellar price and term deal the financing will need to allow us CASH FLOW while we tune up the exterior and interior including updated baths and kitchens, carpet and new decorating. The existing tenants will be given the opportunity to stay and pay the higher rents or move and bring in new rental customers who can appreciate the amenities of the new digs. The key to this deal is the OPTION ARM mortgage, which will allow for a low starter payment while the property is being rehabbed. When rents stabilize-full payments can be made at the indexed rate. This will be on a 75% Loan To Value basis to make the numbers work. On a $500,000 property a mortgage of $375,000 at a start rate of say 2.75% or a payment of $1,530.90/month. Rents would be $4,400 per month with a vacancy factor. Taxes are $5,200 or $433.33/month and hazard insurance is $291.66/month. The units have separate meters for water, electric and gas. The owner pays the garbage and lawn maintenance and snow removal. The property was the dog on the block so there is excellent appreciation opportunities over time. Rents will move up annually. In this instance, the property has a Net Operating Income of $33,000 before debt service giving a Cap Rate of $33,000/$515,000(including costs) = 6.4%. With the 2.75% payment rate on the Option ARM the cash flow would be $33,000-$19,000=$14,000 in Cash Flow. The initial investment is $125,000 down + $8,000 cost + $35,000 fix up totaling $168,000. So with $14,000 in cash flow the return on equity is $14,000/$168,000 = 8.33%. Now with the interest and depreciation factored in of some $13,636 plus an interest deduction of $26,250 totals (fully loaded) = $39,886 giving a tax loss of $39,886-$33,000=$6,886 but with a before tax cash flow of $14,000. The Federal Tax savings would be some $2,065 for a 30% tax bracket. The total return on equity would $2,065 + $14,000=$16,065/$168,000= 9.56% in After Tax Return. To compare to fully taxed investments we would then allow for the 30% tax bracket or 9.56%/. 70 = 13.66% before tax rate for investment comparison purposes.

Option ARMs can make sense for a discounted value property at a value below market that will appreciate with upgrades and improvements to make for a more desirable rental space. In this niche with 80% LTV or lower using this program can make a lot of sense. A borrower does not HAVE to go negative; it just cuts down on the positive cash flow. The Option ARM gives lots of flexibility to an investor where cash flow is king. Its not for everyone. The property has to be acquired at the right price and there must be the potential for a greater value with improvements and higher rents. If that is not the case, pass; bring on the next property. Make lots of offers and bargain for your terms. The blush on this rose (current market) will be returning sooner than not. Market opportunities do not last in this dynamically changing climate. Option ARMS can be used as a useful cash flow tool. Compared to other investments, the depreciation and interest deductions are huge for sheltering investment dollars with the opportunity for appreciation and increasing rents to keep up with rising operational costs. Take a closer look. This can work for good or bad credit. Give it a shot and complete your due diligence.

Dale Rogers
http://www.brokencredit.com

Dale Rogers is a thirty-year mortgage veteran and frequent contributor to the Broken Credit Blog The BCB is a free website created to assist the general public with information about credit repair and responsible mortgage lending.Exclusive Mortgage Leads
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Real estate investing is a topic that many people wonder about. The earning potential of a smart investor is extremely high, because unlike nearly every other type of investment, real estate does not typically decrease in value. When you are looking for a way to ensure your security for the future, or to build a retirement portfolio, real estate is a good vehicle to use. Here are some things that you might want to know about real estate investing

- Work with a mortgage broker. When you are considering financing options for the purchase of your investment property, contact a mortgage broker to see if he can help you to find financing that is the most advantageous for you. Shop around, and talk to several different brokers to get a feel for experience and access.

- Dont pass over properties that you may be able to resell to other investors. Sometimes it is a good idea to purchase a property that is an excellent value simply because it is a property that is attractive to other investors. Keep in mind that when you purchase a property that is not what you are looking for or one that requires extensive work, it may end up being a long term investment. However, when someone who specializes in rehabbing comes along you are likely to make a substantial commission on the sale.

- Research potential properties before purchasing them. When buying a rental property, there are several key features that you should be looking for. The first is sustainability. Is the property in solid condition and is it going to stay that way with minimal upkeep? The second is the location. Yes, location is extremely important for most rental properties. You need to ensure that your tenants can get to where they need to go and that the property is near commonly used retailers and service providers. The third is the average income of the area. This is different from physical location, because you should keep in mind that a high rent area is definitely a better location than a low rent area. And, in high rent areas location is often less of a concern than in low rent areas.

- Start by purchasing a home of your own. If you are not already a homeowner, it is probably a good idea to purchase a home before you purchase an investment property. There are several reasons, but perhaps the most important is that you will learn the process of purchasing a property by actually buying one. It is not unusual for investors to turn their first home into their first investment property, because the property and the market become familiar entities.

- Let potential home sellers know youre looking to buy. One way to find hidden investment properties is to distribute flyers around a neighborhood in which you would like to buy. Consider having someone drop them door to door. A thousand flyers will only cost you around fifty dollars, and you never know who might give you a call to discuss or point you in the direction of a property. And, much like business cards, you never know who is going to see your contact information. This is an excellent outreach technique when you would like to get your name out there and to find properties that meet your criteria.

- Consider living in your own rental property. A good strategy to consider when you are looking to purchase an investment property is purchasing a multi-unit property and becoming an occupant. The advantages include low cost living, because the other rents coming in should cover a good portion of the mortgage payments, higher deductions at the end of the year and the ability to stay current on maintenance.

- Find a great attorney. Before you become involved in the purchase of an investment property, you should form a relationship with a real estate attorney who is familiar with situations similar to yours. This is especially true if you are attempting to purchase a property with non-conventional financing, because an attorney will help you to ensure that you are making good decisions in terms of your investment.

- Know exactly what youre getting in to. If you are considering purchasing a rental property with existing tenants, it is imperative that you have access to all tenant records prior to signing a purchase agreement. Otherwise, you may be inheriting another landlords problem. Keep in mind that you will most likely not be able to increase the rent amounts after purchasing an occupied property for at least the duration of the existing lease.

Hopefully, the information presented here has given you new insight into the world of real estate investing. Our intention is that you can now take this information and put it into play in your own investment plan. Careful planning is the first step to financial freedom, and real estate is an excellent vehicle for carrying out the plan.

Ben Euporian makes it easy to learn from today's real estate investors. For details, visit this site now: http://www.easyrealestateinvesting.info/

Ben Euporian provides information on a wide range of topics.Mortgage Lead Programs
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