Business

Improve your credit before getting a mortgage

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One of the best ways to improve your chances of getting a home loan is to improve your credit score. It’s because better credit scores can give you access to better interest rates and more beneficial home loan products.

Here’s a list of some quick tips to help you get the best credit score possible. While there’s no guarantee that all of these options will immediately increase your credit score, they can help you establish habits that will strengthen your credit score.

Show that you can pay your bills on time, every time

Lenders/credit providers will want to see that you can repay a mortgage loan on time. So here’s a list of bills you need to pay on time, every time:

>> Your credit cards;

>> Your rent;

>> Your medical and utility bills; Y

>> Any other service that a collection agency may use for the recovery of delinquent accounts.

If you miss a payment date by a few days, call the service provider right away to make the payment, and don’t be afraid to ask the provider for a one-time waiver.

Check your credit score

You should regularly check your credit report with a credit reporting agency (such as Veda Advantage and Dunn and Bradstreet), because:

>> Give you an idea of ​​whether you have a history of defaults or negative refunds on your report;

>> Give you time to correct the credit report before a lender/credit counselor accesses your report; Y

>> Allow you to check your credit score with a credit reporting agency.

Note: You should be aware that due to changes in the Privacy Act in March 2014lenders/credit providers have the ability to access your credit reports and can view the last 24 months of your payment history.

Keep Your Credit Available

Before applying for a home loan, do not open any other credit cards or lines of credit. It’s because lenders/credit providers will see you as a risk if you suddenly take out loans for cars, electronics, furniture, etc.

Also, refrain from closing your credit cards or other lines of credit. Instead, consider paying off your balances as lower debt will improve your debt-to-credit ratio.

This is best illustrated by the following example:

Having a total debt of $4,000 with available credit of $20,000 will look better than having only $500 in debt with available credit of $800.

Establish a savings history

If you borrow more than 80 percent of the purchase price of the property, you will need to meet the lenders/credit providers’ “genuine savings” requirements. Your savings should add up to about 5 percent of the purchase price of the property.

For example, at a purchase price of $700,000, you would need to have savings totaling $35,000.

Note: Saving a larger deposit should help reduce or avoid paying “Lenders Mortgage Insurance” (LMI) and even the lender/credit provider may offer you a more competitive interest rate.

Avoid applying with too many lenders/credit providers

Avoid submitting your home loan applications to several different lenders/credit providers at once. It’s because these loan applications will show up on your credit report. You just have to submit your mortgage loan application:

>> After comparing lenders/credit providers; Y

>> After you have decided to go with a particular lender/credit provider.

Your Job Stability

If you’ve had the same job for several years, then this is a big step. Therefore, before applying for a home loan, try to establish a stable employment history, as this will allow you to make regular loan payments.

If you’ve recently changed jobs, don’t worry. You may qualify for lenders/credit providers if:

>> You’ve been in a similar role; Y

>> You’ve been in the same industry.

Disseminate all information

Lenders/credit providers may think you have other debts that have not been disclosed. Therefore, always be truthful and disclose all information, as non-disclosure of relevant information may result in the rejection of your home loan application.

Seek expert and professional advice

All of these tips should help you improve your credit score. However, you should speak with a professionally qualified and knowledgeable financial broker who can help you create a personalized credit improvement plan. Establishing this relationship with a finance broker will help you determine which potential lender/credit provider is best suited for your needs.

All the best!

Home Kitchen

Kitchen tables: the many varieties of them

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Kitchen tables can be found in many different varieties of styles. The need for a kitchen table exists in almost every home. You can find great kitchen tables by searching the internet. There are many different wonderful websites that will offer a great selection with different price ranges. You should be able to find the right table for your kitchen that fits your style, needs, and budget.

The kitchen can be the heart and soul of your home; It is where we will normally start our days. The coffee pot will be brewing, pancakes sizzling and surrounded by children waiting for breakfast, dad reading the paper and mom waiting for the coffee to finish brewing.

Kitchen tables have been the place where best friends have had hearts to hearts, secrets have been told and gossip started. The table is casual and comfortable and makes conversation flow as easily as coffee in our cups. The afternoon can bring backpacks and homework from the children who come home from school. Mail will often be dropped on them for later review.

Deciding which table is right for your kitchen can take some thought. You want to make sure that the table you choose is the right one for the room. You can find round tables, oval tables, square and rectangular tables. Kitchen tables also come in the corner variety, with benches, and have a more country feel. You can choose from many different styles, contemporary, traditional, retro, modern, classic, or even country. Tables come in many different materials; you can find wooden tables, metal tables and glass or stone tables.

You just need to look at the kitchen tables that will complement your room and home decor. It will be the focal point of the kitchen, you want it to blend well with the other furniture in the room, fit well where you put it, and also meet your and your family’s needs.

When looking for kitchen tables, try to imagine what it would look like in your room, then imagine who will be sitting around you. You want to make sure it’s big enough, but also that it’s comfortable and matches your decor. If you plan to dine at your kitchen table and not a formal dining room table, you should make sure that everyone in your family can sit at it. What if you have guests? Will the table provide a leaf or extension to allow for more seating around it?

Kitchen tables are not an expensive addition to your home; the price will fit any budget. You can find the right table for you and start spending many years of gossip, secrets, family meals, board games and poker nights around it.

Start searching the internet and find the kitchen tables that are offered in so many different styles and designs. The right one is waiting for you; it’s time to bring it home.

Auto

Advantages and disadvantages of electric cars

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With the price of oil skyrocketing and gasoline prices rising as a result, the desire for alternative fuels is greater than ever. Electric cars are an alternative means of transportation that avoids the use of gasoline. Electric cars have advantages and disadvantages as an alternative mode of transportation.

Advantages of electric cars

  • Electricity is everywhere and easy to come by. We don’t need to install power stations on street corners to recharge our cars. It can be done at home.
  • Electric vehicles are quiet.
  • There are no emissions from electric vehicles. As a result, the environment will be cleaner with less smog and greenhouse gases.
  • Electric cars are easy to ride. They have few moving parts, so they require less time and effort to assemble.
  • Electric cars require less maintenance. Thus, the owner will not only save money on gas purchases, but there will also be less maintenance costs.
  • There may be tax credits or rebates possible if an electric car is purchased. Check with your city and insurance company to see if they have special rates or discounts if you buy an electric car.
  • Power plants that produce electricity for cars pollute the environment, but the pollution from these power plants can be controlled better than gasoline engines.

Disadvantages of electric cars

  • One charge in one battery can take the car about 100 miles. Therefore, if you plan to travel a long distance, this is not the car to use.
  • It takes 6-8 hours to fully recharge the battery. You can’t expect to be ready to go in a few minutes after the battery runs out.
  • There are no battery charging stations along the highways for long-distance travel. And if there was, it would take too long to fully recharge your car.
  • Your home must be equipped with a charging station to recharge the car battery.
  • Your electric bill will likely increase since you have to draw power from your home’s electrical system to charge your car.
  • Electric cars cannot compete with gasoline cars in terms of speed and acceleration. Technology has yet to develop an electrical system as powerful as a gasoline-powered vehicle.
  • Accessories like air conditioning will drain the battery faster.

Today electric vehicles work wonders for short distance trips and would be ideal for the weekend away or for the individual who works at home. EV manufacturers are hard at work making this car efficient and valuable to everyone. Meanwhile, the gasoline-electric hybrid is an effective replacement for the long-distance driver. Although it saves gasoline, it is not necessary to recharge the vehicle’s battery.

Digital Marketing

How to get a big name interview

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When getting experts for my audio interviews, what I would do is think about my PR expert. My public relations expert does not sell information products. He has a basic website about his PR services, he doesn’t have a huge list, but he’s like a promotional agent. So even when I was starting out and I didn’t have a lot of interviews, I had a few interviews.

Now, it’s easier for me because I have a lot of tests. When someone visits my website, they see all these interviews. I mean it’s very easy now because I have all these interviews behind me.

But I didn’t always have all these interviews. I mean I had to get that first interview, second and third interview. So you have to position yourself as the public relations expert.

Why do people hire public relations experts? Because they want media, they want airtime, they want promotion, they want customers, and they want publicity. An interview for them is free publicity.

Let’s say I was able to speak to someone on the phone and they heard the passion in my voice and I said “I’m planning to interview them, Bob Blye, Clayton Makepeace, Joe VItalie, John Carlton and Ted Nicholas. You guys are my dream interviews and you’ll be in the book and I’ll interview you and the transcripts will be in the book and I plan to post this on Amazon I’m going to build a website I’m going to do joint ventures I’m going to promote this like you wouldn’t believe you know the interview is just going to take about hour of your time. Would you consider doing an interview with me?”

I think they would be crazy not to because what do you have to lose? As long as the people in your market read that book, you can’t lose.

It’s the same, that example, you’re publishing a book with the best experts on this subject, it won’t come out until next fall. Think of all the books and publishers that compile interviews when they approach these experts, they’re just selling potential. There is no guarantee that the book will sell. In fact, 90% of them don’t sell. Most of the books, the interview compilation books, fail. So there are a lot of people who have given interviews for books that probably didn’t get as much media, but you never know.

So you sell your potential. You can walk up to someone and tell them that you are doing a story about an expert in the field of marketing. It will be promoted worldwide through the Internet. Are you open to participate? Why not? Especially someone who pays a public relations expert; that’s pretty revealing. They need more clients, they want more exposure.

See the problem in our marketing world is distribution. How do you get your message out there? There are so many people out there and they all want more distribution and that’s what it’s like to approach someone for an interview. It represents potential distribution and with the internet, once you’re on the internet, you never know who’s going to pick it up.

So there are no guarantees, you know we are all business people, they understand that it may work out, it may not. All they have to do is negotiate an hour’s worth of their time and give you the rights to promote it. It is a win-win situation. So position yourself that way and be willing to ask and you shouldn’t have a problem.

Relationship

Are you afraid of potty training your toddler?

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Recent research reveals that fear of potty training is spreading like wildfire among parents. This recent outbreak among parents and caregivers of 2- to 3-year-olds has them scrambling for books, videos, and expensive potty training aids of all kinds. There is only one cure for this phenomenon: a good dose of good old-fashioned common sense. Although it is instilled naturally in most parents, it is the last resort that they usually try.

If you think about it, your son was recently a crawling baby. The next stage of transition was learning to walk. Her beautiful little boy started to get up off the furniture and then took that step between the coffee table and the sofa. What did you do? Did he burn out and buy expensive training manuals and equipment to get through this stage? Did you get nervous and set a date that you had to walk? So, on that fateful day, stand that beautiful baby on her feet and demand that they walk the next day without falling over? Of course not, who would do that? Chances are you would cheer, clap, and smile as you hugged them. Then you told everyone you knew about your baby’s success. That’s good old-fashioned common sense at work! You have it.

Now, to cure your potty training fear, let’s take that common sense to the next level. With a checklist to make sure the timing is right and some tips for tweaking the skills you already have, you and your toddler could really enjoy the potty training process. Imagine spending most of the time you are potty training focused on the benefits to your child. How good they will feel with the pride of having achieved independence. The confidence they will gain knowing that they can have “big kid” status and keep themselves clean and dry. For the most part, they will learn cooperation skills that will carry over into all other areas of their lives, making mealtime, bedtime, and toy cleanup easier too.

The key to making the transition from potty training easy for both you and your child is preparation based on communication skills and physical fitness. Print the following short checklist and use it for the next seven days.

o Your child shows an interest in what you and your family members are doing in the bathroom.

o Your child has a clear understanding that being clean and dry is preferable to diapers.

o Check your child’s diaper often. When you find they are dry for an hour and then suddenly very wet, it is a sign that they now have control over essential muscles.

o When your child’s diaper is dry after a nap or in the morning fairly consistently.

o Your child begins to recognize when he has a bowel movement and will hide and show modesty.

o Your child can indicate that he wants his diaper changed immediately after going to the bathroom.

o Your child talks enough to communicate his need to go to the bathroom.

o As a parent, you have a low-key attitude toward potty training. A sense of humor is not essential, but it helps.

o You have a clear enough schedule that you don’t feel pressured or rushed in this process.

Many of the things on this list come naturally, and the rest can be encouraged. Although it’s not necessary to have all of these readiness cues before you begin, the more time you spend preparing for the potty training process, the less stress and mess you’ll have when you begin.

Health Fitness

Rainforest Destruction: Not All Acai Products Are Created Equal

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The Amazon encompasses 1.2 billion hectares on the northern side of the South American continent, a part of which is in Brazil and covers almost half of that vast country. In fact, the Amazon and its fertile land for various plants and animals that thrive in its exotic climate, that Amazon products are better than what we call organic: they are wild. As a result, things that grow in nature are strong in their own defense mechanisms to fight off insects and all sorts of combatants. Amazonian products such as the Brazil nut, Guarana, and Acai berry are renowned for their complex composition and concentrated nutritional values.

Destruction of the rain forest!

Deforestation of the Amazon rainforest reached its highest level in the years 2004 and 2005. Satellite photographs show that loggers burned and cleared nearly a record more than 10,000 square miles of rainforest in 2004 alone.

One of the main reasons is the worldwide demand for hearts of palm, which is a garnish for salads. Poachers were known to illegally cut down between 5,000 and 10,000 palm trees a week. This was just to get the 12- to 16-inch (30-40 cm) section that is near the crown of a 65-foot (20-meter) palm tree.

For this delicacy alone, a poacher would have cut down an average of 50 trees per day just to earn about $1 for each tree from which the heart of palm was extracted. Once the core is removed, the tree dies and rots.

The crop from a palm tree that has grown for over 100 years has enough of this delicacy to fill two 14-ounce cans of hearts of palm. This would retail in a supermarket for less than $5.00 per can. To feed salad bars and salad connoisseurs the world over, is such palm and rainforest destruction worth it? It is particularly wasteful because hearts of palm have no particular nutritional value beyond its fiber.

This is not the case with the Acai berry, which has significant nutritional density and harvesting it is a completely different approach.

Harvesting Acai in this way can save the jungle!

Due to the great interest and demand for the Acai berry, this has begun to help locals realize that cutting down these precious palms for just a few inches from the top core of the tree was no longer a solution, and he discovered that there were better ones. Available options. Each palm tree produces a bumper crop of Acai fruit twice a year. Within a few years, the value of the palm fruit itself far exceeded the value of removing the top core of the palm just to use it as a salad garnish.

Thus, a legitimate reason was found not to cut down those trees by harvesting the Acai berry in another way.

Workers now climb to the top of the 90-foot palm to collect what is known as the Black Pearl of the Amazon.

As these workers soon realized this type of reputed harvest every year or in some cases twice a year is a better way to secure their jobs and increase their profits.

Harvesting the fruits of the palms is better for the environment because the palm will continue to grow for years. This was the way to stop unscrupulous loggers destroying Acai palms for quick profits.

This is opening another window of opportunity for the indigenous people and showing them how to protect one of the best treasures they have, by saving the palm tree that contributes so much to people’s health.

Preparations after harvesting the Acai berry!

The Amazon River is long and wide and a ship can sail inland from the sea for more than 3,218 km (2,000 miles).

The river provides the best opportunity to navigate barges for transport and quick preparations immediately after the fruit is harvested. The timing is crucial; if not cared for properly, the oxidation process begins and quickly spoils the delicate fruit.

Without a way to keep the fruit refrigerated or to be processed quickly, it would deteriorate rapidly as almost all food in the tropics does. In the last decade or so, a reliable and cost-effective transportation infrastructure has been established including large refrigeration facilities. Well-equipped barges can navigate the river deep into the jungle collecting the harvest.

Barges equipped with this type of facilities where certain stages of processing have been carried out and transported to cities near the Amazon River. One of the most effective ways is to freeze the fruit in large blocks and send it to different destinations. Why freeze flash? This is the only and most effective way for the fruit to maintain all its benefits and nutritional values.

The power of Acai

As reported in the Journal of Agriculture and food chemistry, a study showing that extracts from Acai berries triggered a self-destruct response in more than 86 percent of leukemia cells tested.

This study was one of the first of its kind conducted by the Institute of Food and Agricultural Sciences to show what people can gain from using beverage, dietary supplements made from the berries. There are many reports of these types of different health benefits. Therefore, there is no better reason for distributors and companies to be eager to use the advantage of the Acai name.

Not all Acai products are the same

The label doesn’t say it all. On the label it may say that it includes Acai, but how much does it contain? Also, was it preserved as it should have been? Therefore, not all Acai products shown on the labels are the same, nor do they contain the right amount to have the effect it is meant to. The way this berry is preserved and processed can have a dramatic effect on its overall quality.

Many product labels list that they include Acai, but most have only a fraction of the amount of Acai and its antioxidant activity that they should. Some companies don’t understand how important all the post-harvest processing actions are, or are simply trying to save money by cutting corners in the process.

Around the late 1990s, university laboratories became more advanced in accurately measuring the amounts of specific nutrients in Acai fruits and other foods. Only that preservation methods caught on and became available, such as freeze-drying that would curb its nutritional quality.

Not many leading companies have researched and follow strict rules and guidelines to preserve and transport this high-quality product without losing any of its nutritional value.

Acai berry processing and preservation

The key is that the benefits of the Acai berry are delivered in the most effective and concentrated form. A process of freezing fresh harvested fruit to preserve the nutrients in the fruit that is done at a very low heat temperature; this process removes moisture from the berry, leaving behind the pure Acai powder.

Freeze-dried Acai powder, gram for gram, has an ORAC of 1,027, which I talked about in the previous article. That makes it one of the highest of any type of fruit or vegetable.

A product with one of the best health benefits has been found and developed for anyone who wants to take advantage of it. Now, more than ever, people are stepping up to accept responsibility for their own health and the food they eat. Scientific evidence shows that the most powerful health benefits come from Mother Nature, and using natural foods as medicine is the most logical step.

Public health officials are urging consumers to eat several servings of fruits and vegetables every day to get all the important antioxidants. Unfortunately, most people have very little knowledge about what antioxidants are and why they are important.

The other positive step is to change the harvest process, save the palm trees and protect the Amazon rainforest. It’s not just for taking, it’s also for giving back.

Legal Law

5 Considerations to Keep in Mind When Choosing a Law Firm

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There are times in our life when we have to seek the help of a law firm to win the favor of the filed case or to participate in the legal proceedings in a court. Here are five essential tips to keep in mind when doing so:

Firm Size – Many people assume that hiring a high-profile law firm will help them get better guaranteed results. However, the truth is very different. Insurance adjusters are knowledgeable enough not to get excited about a big law firm. If anything, they are more vigilant, since the norm is for large companies to have sophisticated clients with implausible legal problems. With this in mind, it is well understood why a man in the street like you can be overlooked by these giant law firms. In fact, on the other hand, he will receive better care and guidance from a smaller company.

Research – It is a pragmatic idea to conduct personal research on the lawyer on your own; You can do this by contacting and asking neighbors and acquaintances that he may have symbolized. Contact a lawyer only if he has given some good reviews and you are personally comfortable with it.

When you contact a small firm attorney in person, make sure you feel comfortable asking them questions and answering any questions you may have. In the course of the discussion, you should try to extract specific facts such as:

Experience as a lawyer and handling your case: In general, a lawyer must have at least five years of rigorous experience in litigating cases in court. Experience of less than five years means that the lawyer is not worth hiring.

Determine the number of cases an attorney has fought so far in personal injury or insurance, etc. Anything less than 75% is an indicator to stop considering hiring a lawyer and look for a really experienced one.

Area of ​​expertise: Find out who you typically represent in a positive light. If the lawyer is known to be at ease when addressing companies or corporations, he is simply a defense attorney. Go ahead, he is not a good fit for you, a plaintiff.

Fees: Once you’ve found a suitable lawyer to suit your needs, it’s time to make sure of the fees they charge. Keep in mind that while litigating it, if a wrongdoer is found on you, you could be severely charged for every trick they try. However, if the opposing party is found wanting, he/she may gladly accept your case, willing to waive all potential charges, as he/she knows he/she is a favorite. Always discuss the terms and conditions and take the black and white fee agreement. If he/she rejects your request to do so, ignore him/her and find another.

Lifestyle Fashion

Goal Setting for Success: 5 Tips for Making Goals Crystal Clear

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It doesn’t matter if you’re setting goals for your personal life, for your business, for your health, or even for your spirituality: setting clear and concise goals is the first key to achieving them successfully. Without clear objectives, it is very likely that you will end up misguided about what you want to achieve. This misdirection could easily lead you down the path of stagnation.

o Crystal Clear goals will give you significant motivation, increased drive and intensive purpose in your life.

Here are five important tips to help you define those clear goals for your life or business:

– Be aware of what you want to achieve. First, if you want to define clear goals, you must know exactly what you want to achieve: where you want to be, what you want to have, and what you want to do. You will never know how to get there, if you don’t know where THERE is.

Once you know where you want to be and what you want to accomplish, you can come up with the goals that will help you get there.

o Where what to be in 1, 3, 5 and 10 years from now?
o What kind of work do you want to do?
o What kind of relationship do you want to be in?
or where do you want to live?
These are just some initial ideas for you…
o Take time to sit down and brainstorm your long-term dreams and desires.

– Set the clock. A goal with no deadline is a wish or dream that will easily evaporate like morning dew when daylight falls on it. Setting deadlines will delay procrastination and prompt you to take action to achieve your goals. Having a timeline for your goals also helps clarify them because now you not only know what you want, but you also know when you want it.

o Create goals that you want to accomplish in a month, a year, and even five or ten years from now.
o Chronologically nest some small goals to form a larger goal achievement: Example: I will walk 3 times a week starting this week, I will jog 1 mile a week by x/x/2009, I will run 5 miles a week by x /x/ 2009, I do 3 hours of cardio a week by x/x/2009, I run 5 miles a day by x/x/2009. All of this could lead to a bigger goal of “I’ll run my first marathon by x/x/2010.” – you get the image
o Create a MAP (Massive Action Plan) to stay on track, BUT, don’t set your map in stone! Allow modifications along the way, but always keep your sight always focused on the main objective.

– Keep it real. With realistic goals, you can almost guarantee that you will be able to achieve everything you want. Set yourself a goal that’s a little out of reach… then when you reach it, you can go further to reach the next one. This way you won’t get stressed trying to achieve something that is out of your reach. A clear goal is a realistic goal, make it a broad goal (don’t go too easy on yourself), but certainly make it possible.

o As I mentioned earlier, you’ll want to break long-term goals into smaller goals and the smaller goal into bite-sized, achievable action steps. Completing the action steps and tasks toward your goals will give you a sense of accomplishment and motivate you to continue on your journey toward your primary goal.

– Be crystal clear. Specify your objectives with the details of exactly what you want. Avoid vague generalities. Have you hand a stranger a piece of paper that you handed your one sentence goal written on it, they will know exactly what you were trying to accomplish. Also, they might know if you have already achieved it or now. When you set a specific goal, you’ll be better able to achieve it, not to mention you’ll know WHEN you’ve achieved it.

o Specific objectives allow you to build your timeline and define your action steps. There is no guesswork involved when it comes to details.

o Example, “make money online” is too vague a goal. You would have to come up with a specific goal, such as “I earn $1,000 more per month, by x/x/2009.” This objective is specific, measurable and realistic. Also, keep in mind the time of the goal. It is written in positive present tense.

– Review and Refine your goals. Your life will go through changes, so your goals must remain constant. If you think about it, when you were younger you thought and believed things that you can’t today. You have changed as a result of the inputs, actions and activities that have taken place in your life. So too can your goals change as your life changes. During this review and refinement process, discard the goals you no longer crave and re-prioritize the ones you do. Again, make them more specific, realistic, and achievable.

o It’s okay to refine your goals several times in your life! What’s important right now might not be as important to you nine months or nine years from this minute. Embrace change, heck, even embrace it. Review your goals at least once a year and make new plans if necessary.

Many wander through life, not knowing what they want to achieve or what their purpose is. That won’t be you! Give your life crystal clear meaning by giving some thought to what’s important to you. What goals do you want to achieve? What actions will you take to make your dreams today your reality tomorrow?

Pets

False Imprisonment in the State of California: It’s More Than You Think

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Most of the time, when people think of false imprisonment, they think of people being falsely arrested by the police. Most people are unaware that non-police officers can be responsible for unlawful imprisonment in many different circumstances.

The purpose of this article is to give a brief synopsis of the civil tort of unlawful detainer in the state of California.

A basic definition of false civil imprisonment is; “a person who intentionally detains another within the bounds of a fixed area, without the consent of the detained person and without a privilege that may excuse the conduct.”

For example, let’s say a man locks a woman in a room without her permission. This would be a classic case of unlawful civil imprisonment.

Another example would be a person holding something of value for another person with the intention of keeping it in a certain place and without the consent of the person whose valuables are in possession.

False civil imprisonment could also include a person grabbing another without their consent and holding them so they can’t get out.

There are many other examples of false imprisonment that I can provide, however the above examples are meant to give you an idea of ​​what the civil tort of false imprisonment is in the state of California.

A key element of the false imprisonment civil tort is that the detained person must reasonably believe that they cannot leave. Reasonable is a legal term of art used in the legal world. What reasonable basically means is: what a reasonably prudent person would do or believe in similar circumstances.

Another key element of the false imprisonment error is that the person doing the imprisonment should not have the privilege of doing so.

Examples of privileges that would allow one person to hold another within the confines of a fixed area are: merchants investigating shoplifting; civilians who have witnessed a felony, and placing the person who committed the felony under citizen’s arrest; or police officers who have probable cause to believe a crime has been committed.

As with other intentional wrongs, victims of unlawful imprisonment are entitled to not only compensatory damages, but may also recover punitive damages. (Punishment)

By Norman Gregory Fernández, ESQ. Copyright 2006

Real Estate

Ten Commandments for a Successful Real Estate Investing Career

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According to the Founding Fathers of our great nation, the laws for basic human behavior and civil conduct were directly based on the Ten Commandments of the Bible.

As real estate investors, I believe we also have laws for basic success behavior and marital profitability. here are my

Ten Commandments for a Successful Real Estate Investing Career

1. Make offers! I must make at least 3 WRITTEN Offers per week. In my experience helping thousands of investors and students over the years with their businesses, deals are often the #1 reason a business doesn’t explode in profit. If you’re not bidding, you’re not making money. I know it sounds simplistic, however it is a real gem of advice. Remember, it MUST be a written offer; verbal offers are just a conversation.

2. Secure financing! I must speak to at least 3 funding sources per week. These sources of money will come from my “5 P’s of OPM” and they are: 1. Personal money, 2. Society money, 3. Professional money, 4. Private money and Private bank money. If you make at least 3 deals per week, you will start to fill your deal portfolio and you will need ready funds to close your deals. Until you know you can pick up the phone and reach out with enough money to buy 3 houses this week ALL CASH, you’ll keep collecting funding sources.

3. Detail oriented! I must be detail oriented when it comes to Contracts, Agreements and Paperwork. In real estate, IF IT IS NOT IN THE CONTRACT, IT DOESN’T EXIST! It is the same as our offers, if it is not in writing it is just a conversation. More bad deals have been made because the investor thought one thing and the seller or buyer thought another. Be sure to put everything in the contract. Overkill in this area is very good. Follow their “Dumb-Enough Settlements Checklist” to make sure you’ve covered your assets.

4. Market, Market, Market! I will continue to MARKET incoming deals even when I feel like I have too many deals. This is the second most common mistake I see investors, both new and experienced, make. We start getting a ton of offers and get overwhelmed or scared so we stop trading. NO NO NO! This is when we simply adjust the amount of profit we are willing to work for and start using our buyers list to wholesale the deals we can’t handle or care about, BUT NEVER STOP TRADING!

5. The human touch! I will maintain the “human touch” in my business by having a human being answer my phone. In this day of incredible technology, it’s easy for us to give in to the ease and convenience of gadgets, BUT IT’S VERY COSTLY! No, I’m not talking about the cost of the device, I’m talking about the cost of lost deals. If you are using voicemail or even an old fashioned answering machine to receive calls, you ARE losing money. Complexes in our business are too expensive to own. One missed phone call early in my business cost me $60,000 in profit! It still hurts me to think about it. Use an answering service to have someone answer your phone when you are not available. Answering services in today’s economy are cheap, missed deals are not.

6. Know the numbers! I will know the numbers of my deal components from the inside out. In the world of real estate investing there are many “OOPS” waiting with our names on them. If you don’t know exactly how much something is going to cost, don’t guess, find a professional in that area and come up with a solid number. A repair you missed because you were trying to save a couple hundred bucks by not having the property professionally inspected, now it’s going to cost several thousand to fix, oops! Of course, this applies to all areas of your business, not just repairs. Know the numbers to eliminate the OOPS!

7. Know the exits! I will have my “exit strategy” before making a deal. I fly close to 100,000 miles a year and have heard the flight attendant say “Please locate the 2 exits closest to you” probably 1,000 times. On a flight I realized how valuable this lesson is for investors. Before you take off (make a deal), know your exit strategy. Many investors jump into a deal without thinking all the way to the sale of the property. If you don’t clearly know the output (how you’re going to get paid), stay out of the deal.

8. Don’t spend it all! We’ve all heard the need to save for a rainy day, well guess what, it’s ALWAYS raining somewhere! And sooner or later she’s going to be raining down on you. Many new investors, seasoned investors, and yes, even myself, have been or are guilty of spending all the proceeds from a deal. Follow this simple cash flow formula for wealth; Tithe 10% and Keep 20% in the business. You entitle 10% because you must pay it back in life. You keep 20% of every dollar of profit in the business because no real estate business can operate entirely without some cash.

9. Be sure to insure to guarantee and guarantee! I will ensure a good night’s sleep and I will insure my wealth because I WILL insure my business. In our lawsuit-happy country, it would be financially unwise to run any business without commercial general liability insurance. For around $100 per month, many commercial companies will provide a million dollars worth of general liability insurance. This is the same thought process as car or health insurance, you hope you never have to use it and yes, it IS better to have it and not need it than to need it and not have it.

10. INC. Before inking it! I will incorporate (“C” Corp., “S” Corp., LLC or any other appropriate entity structure) my business to have some protection against frivolous lawsuits. I will not risk my financial well-being or that of my family by not having an established entity structure. I will seek a competent attorney regarding this matter and I will get it NOW!

The “Ten Commandments of Successful Real Estate Investing”, Copyright © 2006 by Bill Barnett. For more information on Bill Barnett and “Are you DUMBBY enough to be RICH?” visit our website at

http://www.AreYouDUMBEnoughToBeRICH.com