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Month: March 2017

How to Move a House Using the FHA Renovation Loan Program

Do you really want a bargain when purchasing a home? Then the FHA renovation loan is the way to purchase, save money and get instant equity in your home.

This exciting renovation loan program allows a borrower to move a house from one location to another, have a new foundation poured and have the old house attached to the new foundation.

Some years ago, one of my clients was looking for a home, she was getting frustrated because she was not able to find a house within her budget that was the size that would accommodate her family.

At the same time she was looking for a house to buy, a developer in Roswell Georgia had purchased some land to build a sub division. There were houses on the land that needed to be demolished or moved so that he could complete his project. The houses were in good conditions so rather than demolishing them he decided to give them away, the recipient would be responsible for the cost of moving the houses. He donated the houses to a church, this was a smart move for the developer because it was a tax write off for him.

My client was an active member of the Church and she requested and received one of the houses; it was her responsibility to pay for the move. The new problem that she faced was not having somewhere to move the house right away. There where time frames that had to be met, because the developer had to get the houses moved so that he could start his build.

She started her search for land and was having the same problems she had when she was looking for a house, she was unable to find land within her budget that was large enough for the house. In a very rare instance HUD had a plot of land for sale inside the city limits of Atlanta. She would have to bid on the land and there was no guarantee that she would win the bid. She did win the bid and now it was a matter of her getting the house moved from Roswell Georgia to Atlanta Georgia a distance of about 15 miles.

The house movers had been contacted about the move, but they wanted their $9000.00 upfront and my client did not have that kind of cash. The beauty of the FHA renovation loan program is that the cost of the move can be financed into the loan, it was a matter of getting the House Mover to agree to wait for the loan to close in order to get his money. After speaking to the mover and explaining how the renovation loan program worked he agreed to wait until the closing, he also agreed not to take a deposit from my client because the loan program is FHA insured.

The cost of pouring the new foundation, attaching the old house and repairs after the house was attached came to $22,000.00. A 20{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} …

How to Start a Diaper Cake Business – And Make Money Doing It

The great thing about starting a diaper cake business is the fact that you will always have customers and low cost word of mouth is your best advertising medium.

There are, on average, 10,657 babies born each day in the United States. That's nearly four million births annually and if anything, those numbers will continue to increase each year.

Diapers and formula are the two largest material expenses when raising a child for the first three years of that child's life. A mother will go through more than 3,500 diapers a year at a cost of nearly $ 2000 by the time your little one is potty trained. Diapers are a welcome gift to most mothers.

As long as there are babies, there will be the need for diapers. Our diaper cake business model certainly has a demand that is expecting to continue to increase and that is an important thing to consider when starting any business.

There is no accurate estimate on the money Americans spend on baby showers but it is A LOT !! This is a monumental time in a woman's life and she wants this to be a memory that will last a lifetime. So, we now add emotion to our business model which is another positive.

There is a start up cost to this business in the form of materials, but you can work out of your home, use low cost word of mouth advertising methods, buy in bulk and take advantage of the many tax deductions available for a home based business .

Word of mouth advertising is basically all I use to sell my diaper cakes. I donated ten cakes to friends I knew who were either having a baby shower themselves or were attending one in the near future. You can not believe the response these unique gifts get and everyone wants to either know where to get one or how they can make one.

A simple website with pictures of your cakes and how they can be purchased is really all the advertising you may ever need to earn a lot of extra income. Combine this with other unique baby gifts and needs and you can earn a very good living where the sky truly is the limit! …

10 Things to Consider When Starting Your PDR Business

Owing to the reasons that paintless dent repair is fast and efficient it is quickly becoming popular. But there is a dearth of trained professional technicians who are skilled in the techniques that are required for this trade. If after training you want to start your own business then here are some tips to keep in mind when starting your Paintless Dent Repair (PDR) Business.

1. Survey the Market:

It is very important that you consider your potential market. Decide who you will work with? Do you have any connections at a body repair shop, wholesalers, car dealer, detail shop, service centre, etc who will hire you once you complete your paintless dent removal course?

2. Survey your Competition:

Collect information about how many paintless dent removal technicians there are in your area and how are they operating in your potential market. What are the charges for their services and what kind of a relation does your competition have with your potential market as well. Note all these things down for reference.

3. Register your Business:

Check out your state government’s website and get information about how to register your business. Make sure that you choose a business name that connects you to the paintless dent repair industry and you could even use the words like dents, dings, dent repair, etc. Complete the entire registration process or even get some professional help.

4. What are your State’s Requirements?

The rules and regulations vary from state to state and so it is important that you are completely aware of all the requirements for setting up a PDR Business. You may need business insurance, sales license, shop space, etc. You could ask a local dealer or the office manager of a PDR company what their dealers require from their vendors that is you.

5. Get Trained and buy the Tools:

You need to get trained at a very good academy so that you are well versed in the techniques and skills required in this business. You could consider the name Dents R Us for your paintless dent removing training. For more info check them out at http://www.dentsrus.com.au. You will also need to buy your tools for the job and you need to practice as much as possible.

6. Get Business Material:

You will need office stationery, business cards, invoices, etc and even some accounting material.

7. Don’t quit your Current Job!

It is important that you keep your current job as you will need some income to support the business and the family till you are really on your way.

8. Practice on your Acquaintances:

As you begin your business you will need as much practice as you can get and one of the best ways is to practice with the cars belonging to your connections and acquaintances. Of course not many people will hand over the keys to their BMWs, until you are sure of your skills but till then you can even ask your local body shop to give you …

Unlock the Hidden Ancient Secrets to Manifest Money

What if there was a way to manifest money instantaneously? Just imagine what it would be like to know these ancient secrets to manifest money.

Here are just some of the ways to attract wealth faster than you ever thought possible:

Ancient Secret #1 – Focus On A Specific Desire

We desire many things in our lives including, love, health, and wealth. In this article, we are focusing on money. The first secret to manifesting money is focus on a specific amount. It’s easy to get caught up in fantasizing about money and riches beyond our wildest dreams, but we are not specific enough when you are doing it, so they are just dreams.

When you focus on a specific amount, the dream becomes a reality.

Focus on a specific amount of money, put a date on when you expect to manifest it, and make sure that it is believable. This is key, if you don’t believe in what you are trying to manifest, then you wont be able to manifest it. It has to be believable.

Ancient Secret #2 – Act As If It Has Already Happened

You must act as if you have already manifested what you desire. Every day take time to imagine that you have already manifested the money. Imagine doing everything you would want to do with it. Spend it, give it away. Do whatever you want, but make sure you are enjoying yourself.

The more you do this, the faster you are actually creating it.

Decide today, that each morning you will take a few minutes and really experience having money. Enjoy yourself and really feel the feelings, hear the sounds, and experience the emotions of having all that money.

Ancient Secret #3 – Receive It

If you are following the first two secrets, then the universe is going to present you with a path. Along that path, it will manifest things to help you achieve great wealth. perhaps with a business proposition, maybe you will win the lottery., maybe you will inherit a fortune.

I can’t tell you what exactly is going to happen, but when these moments arrive, it will feel natural and good to take them. They will bring you closer to the manifestation of money. Be willing to receive what ever the universe provides, and keep your mind open. If you are truly following these secrets, the paths will open up quickly.

A Final Word

These are just some of the most powerful ancient secrets to manifest money. Follow them for anything you desire, and you will manifest them faster than you ever thought possible.…

Business Mindset Vs Technical Mindset

If you're working in two different worlds, you might find a complication between the ways business is run and the way things work in the technical world. For example, computer programmers and math geniuses are not savvy to business mindset principles because they focus on the rational and explained ideals of the technical mindset. Technical mindsets and business ideas vary greatly, and someone seeking work in a mix of the two fields may find themselves fighting between two sets of guidelines.

Business owners that have a good business mindset build their foundation on creativity, innovation, commitment, and passion. This is what it takes, after all, to become successful in business, and taking the time to change your way of thinking to consider these things first will be essential to your achievements. However, if you're more likely to think in a technical frame of mind, including things like details, concrete answers, and only one way of doing things, you either need to skip starting a business, or take the time to get acquainted with A new way of thinking by actually psychologically re-training your brain to consider different elements first in different processes.

If you have a similar mindset in place, you'll be better suited than someone who has a technical mindset already. It is easy to teach the brain something new, but very complicated to teach it a different way of doing the same things it's always done. Coming to a business mindset from the technical world will likely create more chaos in your mind than if you came from the regular world. That does not mean that computer gurus and technical minded people around the world can not be business owners; It just means that they'll have to work that much harder to succeed at what they do so that they can accomplish their business goals and change their way of thinking.

If you're interested in becoming a computer technician, a math teacher, or a programmer, a technical mindset of how things work and finite answers will do. However, if you're looking for a successful career in business ownership, you'll need to get out of the box and focus on creativity, innovation, and constant intrigue. If you are not already endowed with a business or entrepreneurial mindset, it can be easy to learn as long as you're willing to invest the time. Either way, you should not get discouraged when you're trying to train your brain to have a business mindset; Just take the time you need and focus on the positive things instead of the difficulties you experience. …

Second Chance For Felons – Make Money With MLM

If you are a felon looking for a second chance to get on in life, what are the options open to you? It is well known that jobs for convicted felons are not easy to come by, but everyone deserves the opportunity to put the past behind them and strive for something better. One of the best ways to achieve this is to start your own business in multi-level marketing. In this article, check out if you can make money with MLM.

MLM is short for multi-level marketing and includes names such as Avon, Tupperware, Herbalife, Amway, Pampered Chef, Xango and Gourmet Coffee. Don’t worry, there are other choices. The important thing is to find a product that you are comfortable with and can endorse happily within an inch of your life!

Endorsing an MLM product means that you buy it and find a way to encourage others to buy, usually with the party-plan method. In the process, you recruit others to join you and earn commission from not only your own sales, but also those of your ‘team’.

It certainly isn’t a get-rich-quick option, but if you approach your business with hard work and treat it like a real job, you have the chance to build a successful home based business. So, what will help you make money with MLM?

1) Money! There will be an initial cost to join and buy the MLM goods, plus you will need to add to your products, find new business, make phone calls, travel by car for collection and delivery, and learn how to become a good sales person and find other ways to promote your product (training).

2) The right opportunity. Research until you are happy with a product that gives you a buzz and makes you want to get out of bed in the morning (otherwise you won’t!)

3) Decide if it is a luxury item or something that people can buy on a regular basis

4) Decide if the products are affordable and popular.

Don’t forget to check out the MLM company history and growth before you join. Are finances solid and secure? Are there other competitors in your area, or is it a unique opportunity for you?

What else will help you make money with MLM? Well, are you prepared to invest a good amount of your time into growing and practicing your business? You will most like need at least six months to build the business up, so don’t expect huge results for a while.

People who make serious money with MLM products invest a lot of their time and efforts in recruiting and leading their team, since this is where the ‘passive income’ originates. If they do well, you do even better. It is essential to be a people person, but there is another way too.

It is possible to promote your MLM product online and many successful business owners have found out how they can market their business using different strategies. Check out one internet …

Numerology Magic Square Talismans as Money Charms

Magic Squares make a potent talisman or charm for enhancing certain talents and abilities of their bearer. Numerology provides us with a powerful way to construct a personal money charm just for you. Let's see how this can be done.

Date of Birth as a Sigil

In numerology and astrology, your Date of birth is a defining signature element for you. Your entire reading in both disciplines is built around this number. So, if I wish to construct a magic talisman using numbers and associate it's power with you, using your date of birth in the charm is a natural way to build this association.

There are other means, such as using your name or signature in the talisman, but since I'm using numbers to construct the charm anyway, your date of birth makes a perfect sigil to represent you.

Yantra Magic Squares

Yantra magic squares are magic squares built using your date of birth, and your Life Path number as the top row of the square. They are powerful good luck charms for the person they are constructed for. But, they do not necessarily attract wealth and riches to the person.

Eight – The Money Number

In numerology as well as other physic disciplines, eight is associated with money and riches. To specifically attract more money to a person, I can construct a magic square talisman where the rows and columns sum to a number which reduces to (8) using fadic addition. The numbers: 26, 35, 44, 53, 62, 71, 80, 98, and 107 all have this properity.

So, in order to create my talisman, I start with someone's Yantra magic square, and then change the last box in the top row from their Life Path number, to a number which produces a square where the rows sum to (8).

Let's look at an example to see my meaning.

Johnny Depp's Money Talisman

Actor Johnny Depp was born on June 9th, 1963; So his Life Path number would be (7) as shown below.

Life Path = (06 + 09 + 1963) = (1978) = (1 + 9 + 7 + 8) = (25) = (7)

The first row of his Yantra Magic square we be his Month, Day, Year (less century) and his Life Path number, and would look like this:

(6) (9) (63) (7)

The row totals (85) which reduces to (4) by fadic addition. If I substitute a (2) in the last box on the row for his life Path number of (7), then the resulting row will sum to (80) which will reduce to and (8) using fadic addition.

Making the substitution, and then calculating the rest of the Magic square by formula, I get the following:

(6) (9) (63) (2)

(61) (4) (4) (11)

(3) (64) (8) (5)

(10) (3) (5) (62)

Summary

So with a little work, I can create a (4 x 4) Yantra magic square focused on a particular person, and targeted to draw money and financial success to them. …

The Rationale for Personal Development and Training

The basic rationale for personal development can be understood from the necessity to understand one’s own human needs, together with spiritual, emotional and social development, because a failure to understand this about one’s own self is unthinkable if trying to understand and relate to other human beings in any meaningful way.

A person’s development can be perceived in many different ways; for instance as in Freud’s Psychosexual Development Theory (Marshall, 2004) which looks at stages of sexual development and the frustrations connected to each stage, or Havighurst’s Developmental Stages (Sugarman, 1986) and Tasks which identifies:

Tasks that arise from physical maturation

Tasks that arise from personal values

Tasks that have their source in the pressures of society

or through Maslow’s Hierarchy of Needs(Maslow, 1998).

Or indeed through any of the other methods and theories that have been developed, and which may be studied and related to the needs of a counsellor in training,e.g.:

Erikson’s Stages of Psychosocial Development Theory

Piaget’s Phases of Cognitive Development

Kohlberg’s Stages of Moral Development

Gilligan’s Theory of Moral Development

Which is to name but a few, and some of which will mean more to one person than to another.

What is really important is the core condition of recognising ourselves and others as human beings with developmental needs and developmental constructs, the understanding of which is paramount to enabling a real understanding of the human development processes and the requirements necessary in order to work towards living a contented and fulfilled existence for ourselves, and for engaging meaningfully with others working towards the same.

An individual’s decisions are often influenced by social construction, by adapting our personality to fit in with the expectations of friends, family and employers; whilst in relation to any other person we may act in response to our own unconscious and emotionally fuelled expectations. The person we are depends upon our life experiences and feedback from others about how we inter-relate with those people with whom we come into contact, as well as the physical, cultural and spiritual worlds in which we find ourselves. If we are to be able to relate to others whose personal construct and developmental processes that have led to what they have become with any real empathy and congruence, we must first understand our own construct. In taking responsibility for learning about our own emotional and social actions, understanding and development, we act authentically; but allowing our social construct to make choices for us could be seen as acting un-authentically.

Maslow’s Hierarchy of Needs takes a premise that once the most basic human needs are met it becomes possible to progress through successively more advanced levels of need, to culminate in ‘self actualisation’. If we engage in exploring this process we allow ourselves the opportunity to develop a relationship with one’s self which leads to and enables the establishment of a more understanding relationship with others.

This hierarchy of needs is based on a ‘Humanistic’ approach and the concept of ‘self actualisation’ as described by Carl …

Basic Steps To Start A Laminate Flooring Business

While most people prefer other businesses, some people get into laminate flooring business. Like any other business in the world, if done right, it’s a quite profitable business. Laminate flooring has been successful since it was introduced on the market, first in Europe and then in the United States in 1996.

Here are some basic steps to follow before you start your laminate flooring business:

1. You should make specific short and long-term plans with clear goals and ways to evaluate them. Determine the resources needed such as the place from which you will work, people, money etc.

2. You should have a pretty good idea of what products and services you will sell and the benefits people who buy them will get.

3. Find important information about your competitors like their strengths and weaknesses because it helps you in setting a competitive bid. Always try to be unique.

4. Focus your promotions effectively by knowing who will buy your products/services. Think about the different promotion strategies and find out the best that suits your business. Focus your promotions in reaching the greatest number of customers.

5. Set up your laminate flooring business. Find out the start-up costs (gear, furniture, licenses etc.). Also find out how much you will have to pay to stay in business. These costs usually include rent, taxes, utilities, promotional expenses, etc.

6. Insurance is a must. There are several types of insurance that you must have like health and property insurance, for example. You may have to talk to an insurance agent to determine what suits your particular situation.

7. Take care of all the legal matters. You should contact your state’s department of commerce and industry and find out all the things you need to do in order to start your own laminate flooring business. In most cases you need to get a business license from your local municipality.

8. Start a business checking account and use it to perform any money related operation like depositing your income or pay your business related expenses. Setup a fairly simple bookkeeping system to record all your income and expenses in a way that makes tax preparation and monitoring your situation easier. Ask your tax advisor or accountant to make sure you do this right.

This list is far from a complete one so use it just to learn the basic steps to be taken when starting your own laminate flooring business. You should consult a business professional and do additional research to make sure your business will be successful.…

Final Expense Telemarketing Script

One of the most essential aspects of having a successful final expense lead generation campaign is creating a script which works. While many companies that provide telemarketing will have scripts on file its recommended that you create your own script, at least as a reference so you get the sales opportunities you want. The reasons for this are:

  • You will always know your business and clients better than the telemarketing organization you hire.
  • A script crafted for your particular offering will sound better than a generic script that prospects may have listened to from your competition.
  • You can make the script give you only the information you need and match your offering exactly.

While its vital that you have a script that works for you there are a variety strategies which you can use to enhance sales.

  • Keep it uncomplicated, let the customer know why you are calling as well as why they should care.
  • Do not waste their time, if it requires 6 words to get to a point don’t write 10.
  • Keep the aim of the call in mind when creating the script. If you are producing a lead or setting an appointment that should be the goal of the call. Nothing else should be included.

This is the basic format you can follow:

Hello, may I speak with XXX. My Name is NAME.

I’m calling from XXX Financial Company. I’m calling regarding a free quote on final expense insurance that we are providing people in the area.

Our plans can save you up to $xxxxxx dollars on your funeral expenses and any outstanding debts you may leave your family.

If the prospect asks: “what is final expense?”

Final Expense is mini life insurance that takes care of any outstanding expenses and burial costs that you leave behind. It keeps your family from getting stuck with the bills.

Rebuttals to common questions:

  • The plans are extremely affordable and we have the most competitive prices. We can even work with individuals on fixed incomes.
  • This will only take a couple minutes and can save you and your loved ones thousands of dollars!

I just need to get some basic information…

  • Verify name
  • Husband age, wife age
  • Do you smoke, does your wife/husband smoke?
  • Do you have any serious medical conditions?
  • Verify the address

Thanks so much for your time. I’ll have one of our specialists follow up with you and get you a quote on a final expense policy. Have a great day!

After you have your script completed it isn’t set in stone. It can call for some changes based on the telemarketer’s feedback to get things running smoothly after the calls start to be made. You will also want to come up with answers to questions that prospects may ask during the call.…