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How To Invest In Trust Deeds

In order to invest in trust deeds, it is important to understand how they work. The agreements involve three different roles. An investor lends money which is backed by collateral, usually in the form of property including land and, or buildings. The investor may buy an existing agreement or create a new one.

A borrower needs the cash. He or she may require the money to continue work on a project while awaiting a conventional loan from a financial institution. The borrower may not qualify for a traditional bank loan or may need money faster than the banks approval process allows. In other cases, these agreements may be the standard form of real estate lending in their jurisdiction.

These agreements are the most common method of financing real estate transactions in many states. In others, a mortgage is more common.

A trustee is the third person involved in the transaction who acts as a middle man. The trustee holds the title to the property on the lenders behalf until the loan is paid in full. If the borrower defaults on the loan, the property will belong to the lender. The trustee may also act as a negotiator if loan payments go into arrears.

The agreement essentially functions as a lien on the property. It is a legal document which must be registered with the courts and must include a legal description of the property being used as security, the amount of the loan, the principles involved, the maturity date of the loan and a description of penalties for late payments or failure to make payments.

Interest rates on the loans are set at market value, which is usually higher than the standard bank rate and generate more income. The investor receives regular interest payments and the loan principle is repaid when the loan matures.

The agreements are flexible so they can be traded or sold. Trust deeds are also a good form of monthly income. There may be more than one trust deed on a property. The first takes precedence over any others in settling claims.

Trust deeds are one of the safest forms of investment, but like all investments they are not totally risk free. Investors should carefully inspect the property being used as collateral to ensure the value is equal to or greater than the amount of the money being borrowed.

It is also important to know the laws and regulations governing foreclosures in the state in which the deed trust was drawn. There is a large discrepancy in the time allowed between the default of the loan and the ability to begin foreclosure proceeds. The time may range from two weeks up to six months. When a borrower declares bankruptcy the process may be delayed even further.

Taking the time to invest in trust deeds may be a profitable long term investment. It simply requires some planning and research.

How to Make Money Investing in Stocks in Any Market

I write this with one eye on 2015 and 2016; and the other focused on how to make money investing in stocks. And I remind myself that there are two market concepts that must be understood and considered in order to make money investing in stocks in any market.

Nobody can always make money investing in stocks (also called equities), but those who outperform year after year do so by applying two basic concepts. Here we will use 2015 and 2016 as an example because they promise to be challenging years. We’re not talking about finding tomorrow’s glamour stocks or short-term trading here. We’re talking about two important and basic market concepts that many investors either are not aware of, or that they overlook at their own expense.

Concept #1 refers to the cyclical nature of markets. Prices will always fluctuate, but there are reoccurring and identifiable price trends that can either make you or break you. A trend of rising prices is called a “bull market”, and just about anybody can make money investing in stocks in these “good” markets. The good news is that they often last for several years. The bad news is that they are always followed (sooner or later) by a trend of falling prices which is called a “bear market’, or simply a “bad” market for most investors.

The good news is that bear markets (like the last two) sometimes last for less than two years. The bad news is that they can be swift and brutal – creating losses of 50% or more for investors (like in the last two bear markets). The other bad news is that very few investors ever make money investing in stocks in a bear market. More bad news: if you lose half your money in a bad market, you then need to double your money in the next good market in order to simply break even.

As I look forward to 2015 and 2016, I also look back to the years 2000 and 2007. Both years were the beginning of bear markets that followed good markets. Both created 50% losses in less than two years and wiped out most of the profits investors earned in the preceding good markets. As of 2015, the current bull market that started in early 2009 is almost six years old. The stock market has again hit all-time highs. The challenge now is how to make money investing in stocks in 2015 and beyond if a new bear market hits in 2015 or 2016.

As we move on to concept #2, note that we are not talking about how to avoid losses in a bear market, but how to actually make money investing in stocks. You can always avoid losses by getting out while you are ahead, or you can reduce losses by cutting your asset allocation to stocks.

While just about everyone knows that you can make money investing in stocks when you buy them and equities prices rise… most folks do not know that you can also bet that prices will fall and make money if they do. This is called taking a “short” position. It’s legal, and has been going on for many years. During the Great Depression some people in the know got filthy rich “going short”; and during the financial crisis of 2007- 2008 you could have made big bucks betting against the market as well.

This is concept #2 and is the flip side of how markets work. The good news is that it will be easier than ever to make this bet in 2015 and 2016. The bad news is that it’s not for everyone, because you can take significant losses if you go here and prices move UP, against you. Actually, I’ve known people who are repulsed by the concept and some who even think that it’s un-American and should be illegal. That having been said, it’s a fact of life and part of the free-market system we live in.

It’s never easy to make money investing in stocks by going “short” because the market trend over the long term has been up. On the other hand, when the market goes south you won’t make money investing in stocks any other way. You’ll lose it along with about 98% of investors. The easiest way to short the market these days is to simply buy stocks called INVERSE EXCHANGE TRADED FUNDS (ETFs). Popular examples (stock symbols) include DXD, SDS, and QID. In order, these allow you to short the three major indexes: the Dow, the S&P 500, and the NASDAQ.

These (and other) inverse ETFs are designed to go UP in price when the market indexes go DOWN. In fact, if the index goes down 1% they are designed to go up 2%. If you want to try to make money investing in stocks in a bad market, inverse ETFs are the simplest way to do it. They can be easily bought and sold through a discount broker for about $10 per trade.

Above all else, keep the concept of bull and bear markets in mind in your endeavor to make money investing in stocks in 2015, 2016 and well beyond. While a rising tide lifts all boats, a falling tide can leave them dead in the water. If you are adventuresome and can handle the risk, you now know how to make money investing in stocks when the tide goes out.

What You Need to Know Before Hiring a Web Marketing Agency

Hiring a web marketing agency should be an exciting time for any business. Even if you’ve handled marketing so far, it will make a huge difference to have a professional company take over on your behalf. It allows you to focus on the business end of things and still see improved results. However, that’s the best case scenario. The worst case scenario involves a web marketing agency that proves more trouble than they’re worth and may even set your progress back. So before you hire an agency, here’s what you need to consider.

Your Budget

Whether you’re hiring a web marketing agency or a new receptionist, your budget always needs to be considered first and foremost. When it comes to marketing, see if there’s money you can add to it by giving the agency more jobs to do. For example, if someone has been handling social media for you, updating your blog, sending out email newsletters, etc. these are all things you can have your new agency handle.

Your Needs

At the same time, be sure you’re clear about what you actually need from a web marketing agency. You may not need some of those things I just listed and, therefore, shouldn’t be paying for them. In contrast to the above advice, if you’re confident you’re handling the blog just fine, there’s money to be saved there.

You also don’t want to wind up getting sold on services you don’t need. If your market is a younger one, they may not respond to email newsletters like older clients would. So no matter how well a company claims to do them, they’re not worth wasting a cent on.

Their Own Results

Any web marketing agency out there should count SEO amongst their expertise. So do a Google search for key phrases and see where they land. If they’re not showing up on the first page, and preferably high up on it, what are the chances they’ll know how to do the same for you (it’s possible, of course; marketing agencies are a dense market, but it’s still worth considering).

Their Work

You could perhaps forgive them for not beating out the hundreds of other web marketing agencies competing for Google real estate if they’ve proven they’ve helped others. This is where their resume comes into play. Any web marketing agency worthy of being considered should have a resume that clearly shows what they’ve done for other companies like yours.

However, don’t take their resume at face value. You may have to ask questions like:

• How long did it take you to achieve these results?

• What did you charge?

• Are you still employed by them? If not, why?

They’re a marketing agency, so they know how to sell. That means you’re going to need to use a generous amount of scrutiny to get the answers you need.

The Tools They Use

Marketing online these days means using any of a number of different tools. So any web marketing agencies worthy of your time should be familiar with many and using at least a handful regularly. Not using tools doesn’t mean they’re somehow above the need. Tools like Clickable, Omniture, e-Frontier, and Webtrends all provide huge advantages. Anyone in web marketing who ignores them should raise a huge red flag in your mind.

Performance Guarantees

This component has two factors involved. First, you need to know how an agency plans on measuring their own performance. Put another way, what do they actually plan on providing you-objectively. Their answer needs to be specific as marketing can sometimes needlessly drift into the vague.

The other interesting thing to look out for is how familiar they are with your company and does it come across in their answer? They should be able to explain where they’ll get you in terms of page rank and how that result is affected by your competitors.

Of course, the second part is the guarantee. Their promises don’t mean much if you don’t get any assurances. So be sure they tell you what happens if they miss the mark.

While this may seem like a lot to ask or expect of a web marketing agency you’re only interviewing, I assure you it’s necessary. Otherwise, you could very easily end up paying for a problem.

The Network Marketing Tools Scandal And How You Can Profit From It

Back in the early 80′s when network marketing was really coming into its own, there was this big controversy over what they called the network marketing tools scandal.

Basically, successful distributors were creating these huge down lines and began monopolizing on that by selling books, CDs, tapes, memberships etc., to people on their existing teams as well as new people that signed up.

At one point, I think that some of these rouge mega- teams within their perspective MLM companies (a lot of this was happening without the knowledge of their MLM companies) started “requiring” people to purchase these tools for the development of their businesses.

This of course, made the people at the top of these mega-teams an enormous about of money but the fallout of this was that people in their down line were not able to duplicate their up lines success.

The reason being, they didn’t have access to these network marketing “tools” and they were spending quite a bit of money trying to keep up with the monthly fees associated with having these tools on top of their regular monthly auto shop.

As a result, network marketing companies were surrounded by a level of mistrust as people began to believe that you couldn’t make money in the actual MLM Company unless you could sell these tools, which back then, your average distributor had absolutely no way of creating these kinds of multiple streams of income type products.

Consequently, lawsuits were filed as it was argued that the network marketing tool business was considered illegal and unethical because the majority of these high-level distributors were actually making the majority of their money from the sales of these tools and not the products themselves.

The MLM industry today has since been regulated and distributors cannot require people to buy these business building tools.

Now the problem was not in the fact that the MLM platform didn’t actually work to make people in the industry wealthy, because these people did build enormous organizations and they continue to make residual income ’til this day.

So the system works.

The problem wasn’t even that they were selling other streams of income like books, CDs etc., to their teams. The real problem was in the fact that they were requiring people to purchase them!

Network Marketing Tools Today…

Now days, with the creation of the world wide web, and “instant access” technology, your average network marketer has access to a slue of products and services that can be offered to their customers and can be used to build multiple streams of income.

We also understand that the top producers in the MLM industry are that much more successful because of, not only their MLM company and products, but because they can offer other resources to their market and profit from them.

What was shunned in the past is now the norm for today’s network marketer who wants to be financially successful- minus the forced prerequisite factor of course! =)

#1 Mistake of New Network Marketers.

The newbie network marketers fail to take advantage of marketing their own “tools” apart from their MLM business.


One reason is that they didn’t even know they could…

They don’t know how to find the right product tools..

They have no idea how to market it.

See, the hard fact is that 97% of the people you expose your MLM business to will say NO to your business. What you must have in place is a way to create income even if your prospect says “no thanks”.

This is where your network marketing tools comes in.

If you can create a way to provide something of value to the prospect that is not interested in your opportunity, i.e. e-books, CDs, free training etc., you would not only still be able to make money, but if you do it right, that prospect will be more likely to join you when the timing is right for them because now you have given them something of value that they can benefit from.

They now KNOW, LIKE and TRUST you…

The 4 Profit Centers Of The Top Online Network Marketers:

The 4 profit centers (tools) you need to have in place to have a truly profitable business.

The purpose of having “profit centers” is to increase cash flow to your business. These are revenue streams that every top earner in the industry have in place in their MLM/home businesses right now, and you should too.

The fact is, it can be a lot easier to sell a product to someone than a business opportunity, and even easier to sell a biz op to an existing customer.

The following are 4 pure profit (you keep 100% of the profit) centers that you should have in place.

  1. Products that provide value to your niche.- All top earners sell their own stuff (Affiliate products)
  2. Continuity Revenue – Pays you ongoing or residual income even if someone drops out (Membership sites Ongoing coaching programs – Monthly webinars).
  3. High Ticket Revenue- Believe it or not, high ticket items ($1,000 and up) sell very well and It’s easier to sell high ticket items to a current customer than a new one.
  4. Your Network Marketing Business Opportunity And Products

Lastly, your business opportunity that you can offer in order to build residual income and generational wealth.

No top earner just focuses on their biz opp…

They have valuable network marketing tools and products that they market that puts them in a leadership position which by default, attracts more people to them, that in turn results in more sign ups to their business opportunity.

Seriously, this is the formula for success!

They had the right idea back in the early 80′s, they just took to the extreme and didn’t teach others how they could do the same.

Network Marketing Tools – The Big Problem

Unfortunately, obtaining products and services like these is not an easy task, especially for the new MLM’re. Not only do you have to own the products but you must be able to position them in away that will attract your target market, as well as find the time to implement all of this.

Understanding The Holistic Marketing Model

We are operating in a world that is changing faster than ever. Your customers have become conditioned for change because it is in every facet of their life, work included. We have reached a point where, if something is NOT changing, there must be a problem. Technological advances are a prime example of this.

If your company is small or medium in size, it has an advantage over many of your competitors. Your size makes it easier for you to adapt quickly. If you are too conservative, though, you lose this advantage. An open door can close quickly and an opportunity is lost. You are obligated to make educated decisions and act on them. You cannot be afraid to succeed.

“Holistic Marketing” is defined as the development, design, and implementation of marketing programs and activities that recognize the breadth and interdependence of their effects. The short definition is “In marketing, everything matters.”

Everyone employed by your company needs to recognize that ALL activities affect customer relations.

In the “Holistic Marketing Model,” there are four equally important components to consider. These four key ingredients will help to build the foundation that you need so that you are sure that you are doing the right things every step of the way, including adapting when you need to adapt.

1) Internal Marketing – are you working together and truly thinking about the customers?

Vertically, you must have the support at the highest level of ownership and senior management, as all successful companies do.

Horizontally, your internal and external departments must be working in conjunction with each other. Departments such as Customer Service, Inside Sales and Marketing, and Outside Sales are obviously linked in that the customer has direct contact with these groups. What is not so obvious is the impact of the departments that have indirect contact with the customers. Customers don’t usually engage with your company’s Production, IT, Accounting, Shipping/Receiving, Human Resources, etc., but the activities of those departments is felt by the customer in one way or another. If we remember that we are all customers ourselves of many companies and product types, this concept of truly servicing the customer becomes more relevant.

2) Integrated Marketing – the coordination of advertising, promotions, events, and channels (direct and indirect). Done correctly, this satisfies the customers’ needs but also surpasses their expectations and keeps your company at “top of mind.”

Though you may sell through distribution, the practice of direct marketing is becoming more prevalent. End-user relationships are critically important because it is the end-user who is the ultimate customer. Think of it this way – if you lose a distributor for an end-user, you can find another. Your product still gets consumed. The only difference is that the reseller is different. If you lose an end-user, your product stays on your shelf. To be successful, you must develop and implement both PUSH (selling through distribution channels) and PULL (promoting directly to the end-user) strategies.

Given the size of your company, you are likely not large enough to focus entirely on the PULL technique. You need the right distributors to help you create an awareness in the market. The role of the distributor has changed significantly, but they will remain obligated to act as an extension of your company.

3) Relationship Marketing – when you hear “relationships”, the natural tendency is to first think of your end-user customers. In commercial business, though, you have relationships with other groups as well, and they are important in keeping your company’s brand healthy and thought of positively.

You may have marketing partners such as ad agencies, web design consultants, suppliers of premiums for give-away promotional items, distributors, and your own employee base. You must be building long lasting relationships with all of these groups.

You choose those advertising vehicles that give you the best exposure to your target customers, and you need exposure to grow the brand. Your web design consultation is key to help keep your website at the forefront as being educational, navigable, and the face of your company to a large segment of customers. Distributors are important in that the customers’ experience with your company depends on how your distributors respond and act. Many of your end-users’ only experience with your company’s brand is solely in their interaction with your distributors, so you need to spend resource marketing to this indirect channel. What is important to distribution? What motivates the distributor to promote your products?

Finally, your employees must understand their role. To help with this, you are obligated to meet regularly with your employees of all departments to make sure they are kept abreast regularly with what is transpiring outside of the factory. “Town Hall” type gatherings are effective in fostering the desired goal of “Strategic Intent.”

You absolutely need to focus everyone’s attention on winning by motivating them.

You need to communicate not only the value of the target but also emphasizing to your team that what they think, say, and do matters to your organization’s success.

4) Performance Marketing – how are you actually performing? Is the balance between sales and cost of sales correct? Are you spending money appropriately on marketing initiatives? Is your Return on Investment in line with winning while satisfying the financial goals of your company?

Examining what you may now have:

- The products that you manufacture are among the best in the world in their category.

- You can measure cost savings with credibility.

- You are positioned to capture a premium price where it is deserved.

- Being confronted with abundant, low priced competition has forced higher priced manufacturers like your company to come up with innovative products that lower customer costs. You have proven that you can answer successfully by being able to demonstrate a strong value proposition.

- When premium priced products are not necessary for an application, you have other options for your customers.

Count up these and other attributes that apply to your company and consider them as assets. That is what you have.

Having won half the battle by creating tangible value for customers, the other half is in effectively communicating this value to the market. You probably do not do this nearly as well as you should be doing, given the story that you have to tell.

One of your goals should be to spend only in those areas where value is created. For example, to advertise in a magazine that is not read by your target customer is of no value. Spend wisely be ensuring that you are capitalizing on the new and very real potential that has been created by your own investment in salespeople.

David Packard, founder of HP, once said that “Marketing is too important to be left to the Marketing Department.” If your company truly adopts the Holistic Marketing mindset, you will find this sentiment to be true. Everyone in your company will come to understand that they too work in the Marketing Department.