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DOWNLOAD EBOOK PANDUAN CARA MUDAH DAPAT Rp. 20,4 JUTA DALAM 4 MINGGU

Tuesday, August 2, 2011

A Celebration of Life Begins With Lunch

On an ordinary afternoon in St. Augustine, Fla., a group of extraordinary people met at a local restaurant for a single purpose - to celebrate their accomplishments, share inspiration and encourage each other while enjoying a meal.

They came for their weekly Friday lunch from all walks of life: parents and realtors, mortgage brokers and doctor's assistants, life coaches and flower shop employees. Many represented their own entrepreneurial ventures such as jewelry making, business coaching, spas and health clubs. Regardless of where they came from, they were there for each other, to spend an hour in support and fellowship.

These weekly luncheons are held in five other cities, sponsored by the organization Women Celebrations and attended by both men and women. Each luncheon has a theme that suggests the independence and success to which all people aspire, according to founder Sheryl Lynn. Themes have been as varied as "magnificence," "confidence" and "work." At an "applause" themed gathering, each attendee explained to the group why he or she deserved applause.

Members talked about moving from out of state and changing careers, business successes and personal joys. Each of the speakers received heartfelt applause as they took a moment to "stand in their power," Lynn's expression for people's ability to find success and empowerment within themselves.

It was the need to celebrate everyday things that inspired Lynn to create Women Celebrations. Despite success as a mother of three and an entrepreneur, at the end of the day she felt exhausted and disheartened.

"I was not patting myself on the back upon the completion of these marvelous things. And certainly no one else was either," Lynn said.

In starting Women Celebrations, she created an environment in which support and encouragement played a vital role.

Today, Women Celebrations has a strong presence in northern Florida and more chapters, or "loops," are appearing across the country. The organization is open to everyone wishing to celebrate their lives, share their experiences with others through positive interaction and build a sense of community.

Lease Option Technique

Why do people sell properties using lease options? There is a reason that some of the most successful real estate investors use the lease option technique.

No Down Payment: I know what you're thinking, "I would never offer such a thing!" You don't have to. As a real estate investor rich in tools to find motivated sellers, you could get your next home using this lease option technique with no money down. You don't have to tell the seller that an option fee may be customary!

Principle Pay Down: If an option is accompanied by a lease the possibilities are greater for increased equity build up. By applying a portion of the monthly lease payment amount to the purchase price of the property one has the opportunity to widen the gap between the market value and the loan amount. Depending on whether the monthly rent amount is inline with market rates...this is free money! A 30-year amortized, $100,000 loan at 7% begins at approximately $82 per month of principle payments. A $100 per month rent credit beats that, dollar for dollar, every month for almost 3 years!

No New Loan: Possibly the most noteworthy advantage of using a lease option in the residential market is that when the optionee begins the purchase process no "new loan" is required. The prerequisite for this may be working with the right and informed mortgage broker but is usually easily accomplished through a refinance. This can mean no additional out-of-pocket money for closing.

Appreciation: One of the typical advantages of controlling a property using an option is that the buyer retains the right to capture some, if not all, appreciation during the term. The longer the term, the greater the appreciation can be. In the single-family arena, where terms are usually 12-24 months, even moderate amounts of property appreciation can add up. For the buyer, especially, every percentage point of appreciation counts. And, if you're nice enough to offer (or get) a 24-month term in a market increasing at 3% annually, $6,000 on a $100,000 property is significant.

It is better to use your own strategy against you, if you are in the market for new home.


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