A Beginner's Guide to Flipping Houses

If you're dreaming of making money in real estate, it's time to stop dreaming and get to work, because making money in real estate isn't just a vague pipedream. It can be done, even by a young and inexperienced person, when you learn how to "flip" houses.

A friend of mine, we'll call her Tai, made a fortune in real estate, beginning at the age of twenty, with no help from anyone else. Here's how she did it:

Tai began by buying a HUD repo, which allowed her to get into the house for no money down. Then she fixed it up and sold it herself. At closing, she had made enough profit to by a second fixer-upper, but this time, she paid all cash. Tai went right to work fixing her second house, and when she sold that one, she collected profit of ,000, which allowed her to pay cash for her third house!

A Beginner's Guide to Flipping Houses

By now, Tai was comfortable with her formula, and within a short time, she had flipped her third house, realizing enough profit to pay cash for yet another house, as well as being able to buy the custom pickup of her dreams. And all of this had happened in the span of just nine months!

Tai's formula was simple. She located houses that needed only cosmetic work, avoiding those that required structural repairs. She did all the painting herself, inside and out, and updated the home's lighting, plumbing fixtures, and carpeting. Once renovations had been completed, all three houses sold quickly, and at a significant profit.

Flipping houses is the most tried-and-true way to make a fortune in real estate, so don't listen to anyone who tries to tell you that it can't be done or that you need to have a great deal of start-up money. That's not true. You can buy houses with no money down through various loan programs, and sellers will often help you with the closing costs.

I know what I'm talking about. My husband and I bought our 27th house earlier this year, for no money down, and we expect to make a profit of at least 0,000 for just one month of hard work!

But we take the process a step further, making our houses outshine the competition by also using Design Psychology, although our buyers never know that. All they know is that they feel good when they're in our homes, which makes them want to buy them, even if they're more expensive than the house next door.

There's no other business that can make you as much money, with as little start-up cost, in as short a time, as investing in real estate. In fact, more millionaires made their fortunes in real estate than in any other business. And you can do it, too. You just have to stop dreaming and get started.

Copyright © 2004 Jeanette J. Fisher. All rights reserved.

A Beginner's Guide to Flipping Houses
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Get started today making money flipping houses amd real estate investing--without worries about the "pending real estate crash." Free real estate investing business plan [http://doghousetodollhouse.com/real_estate_investing_business_plan.htm] from Jeanette Fisher and free ebook, The Truth about Making Money Flipping Houses: http://www.doghousetodollhousefordollars.com

Investing in Car Dealerships - How to Value Them

Most business valuations are driven substantially by the company's historical financial statements, tempered by other factors such as: location, brand name, management and such. In truth and in fact, the dealership's balance sheet represents less than half the information necessary to properly value an automobile dealership. The balance sheet is but a starting point from which a number of factors must be added and subtracted in order to determine the true value of the assets.

Valuing new car dealerships has to do with projecting future profits and opportunities based upon the "dynamics" of the particular dealership being valued and of the automobile business itself.

The Internal Revenue Service recognizes that valuations include more than financial statements: "The appraiser must exercise his judgment as to the degree of risk attaching to the business of the corporation which issued the stock, but that judgment must be related to all of the other factors affecting the value." Revenue Ruling 59-60, Section 3.03.

Investing in Car Dealerships - How to Value Them

DEFINITION OF MARKET VALUE

The definition of market value according to the American Institute of Real Estate Appraisers' Dictionary of Real Estate Appraisal, is: "The most probable price in cash, terms equivalent to cash, or other precisely revealed terms, for which the appraised property will sell in a competitive market under all conditions requisite to fair sale, with the buyer and seller each acting prudently, knowledgeably, and for self interest, and assuming that neither is under duress." American Institute of Real Estate Appraisers, The Dictionary of Real Estate Appraisal. (Chicago: American Institute of Real Estate Appraisers, 1984), 194 195.

In Revenue Ruling 59-60, the Internal Revenue Service defines "fair market value" as follows: "...the price at which the business would change hands between a willing buyer and a willing seller when the former is not under any compulsion to buy and the latter is not under any compulsion to sell, both parties having reasonable knowledge and relevant facts."

The purpose of Revenue Ruling 59-60 is to outline and review in general the approach, methods and factors to be considered in valuing shares of the capital stock of closely held corporations.

The methods discussed in the Revenue Ruling apply to the valuation of corporate stocks on which market quotations are either unavailable or are of such scarcity that they do not reflect the fair market value.

The Ruling goes on to state that no set formula can be devised to determine fair market value of closely held stocks and that the value will depend upon such considerations as:

(a) The nature of the business and the history of the enterprise from its inception.
(b) The economic outlook in general and the condition and outlook of the specific industry in particular.
(c) The book value of the stock and the financial condition of the business.
(d) The earnings capacity of the company.
(e) The dividend-paying capacity. The ability to pay dividends is often more important than a company's history of distributing cash to shareholders, especially when valuing controlling interests.
(f) Whether or not the enterprise has goodwill or other intangible value.
(g) Sales of the stock and the size of the block of stock to be valued.
(h) The market price of stocks of corporations engaged in the same or a similar line of business having their stocks actively traded in a free and open market, either on an exchange or over-the-counter. With respect to an individual dealership sale, the best comparable is the amount the public company paid or received for buying or selling a similar dealership, not what the public company's stock value or earnings multiple, per se, that is reflected on the stock exchange.

In practice, in arriving at the fair market value of a new car dealership, several different formulas have been used:

1. Return on Investment (or earnings valuation) Formula: The value of a business to a particular purchaser based upon a return on investment analysis. This value varies from purchaser to purchaser, according to the purchaser's investment criterion, and it may or may not reflect fair market value. The National Automobile Dealers Association (NADA) refers to this value as "Investment Value." A Dealer Guide to Valuing an Automobile Dealership, NADA June 1995, Revised July 2000.

The capitalization rate is determined by the stability of the dealership's earnings and the risk involved in the automobile business at the time of sale, investment, or valuation. This method is highly subjective as the capitalization rate is based upon the particular appraiser's perception of the risk of the business; consequently, the lower the appraiser perceives the risk, the lower will be the capitalization rate and the higher will be the price he would expect a potential purchaser to pay for the business.

In short, the capitalization rate is the appraiser's opinion as to a rate of return on investment that would motivate a prospective purchaser to buy the dealership. Considerations include those specified in Revenue Ruling 59-60, as well as available rate of return on alternative investments.

2. Adjusted Net Worth Formula: Net worth of the company, adjusted to reflect the appraised value of the assets used in the day to day operations of a business, assuming that the user or purchaser will continue to make use of the assets. To this "net worth" value will be added blue sky or goodwill, if any. The "Adjusted Net Worth Formula" is the most common method used in purchasing and selling a new car dealership.

3. Orderly Liquidation Formula. This method values the assets as if all of them had to be sold - not at a "fire sale," but in an orderly manner and without time constraints. Normally, if the dealership is profitable, some value will still be placed upon goodwill.

4. Forced Liquidation. The lowest of all values, forced liquidation means that all of the assets must be sold at a forced sale such as an auction, creditors' sale or by order of a bankruptcy court. A bankruptcy proceeding regarding a new car dealership almost never brings goodwill. This might be the most appropriate formula if the dealership has no lease (or only a short term remaining on its lease) and cannot, as a practical matter, relocate.

5. Income Formula. The income formula is basically taking the store's earnings and multiplying it by an appropriated capitalization rate. The trick here is the definition of "earnings." In determining "earnings" a perspective purchase could use any combination of the following:

(a) current earnings
(b) average earnings - add the last five years together and divide by 5
(c) weighted average earnings - usually an inverted weight with the current year multiplied by five, last year by four, the year before last by three, four years ago by two, five years ago by one, then adding them together and dividing by 15
(d) cash flow - net income plus agreed add-backs such as depreciation, LIFO, personal expenses, excess bonuses and such
(e) forecasted earnings - future projected earnings discounted to present day value.

6. Fair Value. NADA also refers to a third value in addition to "Market Value" "Investment Value," which it calls "Fair Value." NADA describes "Fair Value" as being "...primarily used when a minority shareholder objects to a proposed sale of the company in assessing liquidating damages." and defines it as: "The value of the minority interest immediately before the transaction to which the dissenter objects, excluding any appreciation or depreciation in anticipation of the transaction and without reference to either a minority or non-marketability discount."

The NADA guide states: It is not common for auto dealers to run across this particular valuation standard. This author has never used, nor has ever seen this value used with respect to valuing automobile dealerships.

As can be seen in this report, this author in discussing valuations excludes what NADA describes as "Fair Value".

7. The Greater Fool Theory. The National Automobile Dealers Association publication (A Dealer Guide to Valuing an Automobile Dealership, NADA June 1995), bemuses, in part: "A Rule of Thumb is more properly referred to as a 'greater fool theory.' It is not 'valuation theory, however." (In its "Valuing an Automobile Dealership: Update 2004" NADA dropped the reference to "fool" and simply states that the theory is ". . . rarely based upon sound economic or valuation theory," but advises sellers to "Go for it, and maybe someone will be stupid enough to pay [it]."

The considerations for valuing new car dealerships are more complex than those used for valuing most other businesses. Dynamics such as the unique requirements of automobile manufactures and distributors can limit the amount of monies that may be paid for a dealership, regardless of what perspective purchasers may offer to pay for the store.

Therefore, the value of a new car dealership varies based upon the needs and ability of the purchaser and, consequently, the same dealership could have two different values to two different purchaser and both values would be correct.

Thus, our valuation of the subject dealership should be considered in the context and limitations of the facts and history of new car dealership sales as delineated herein.

Investing in Car Dealerships - How to Value Them
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Mr. Pico served as a court appointed "Consultant to Debtor" in bankruptcy cases, a "Court Appointed Mediator" in automotive disputes, the "Court Appointed Arbitrator / Appraiser" in partnership disputes, a "Court Approved Consultant to Receiver" in a check-kiting case, as a "Superior Court Mediator" in dealership/lender litigation and has been recognized as an expert witness on both State and Federal levels.

He has consulted on upside-down positions of over Million, out of trust position of over Million and a bank overdraft of Million. Since 1972, Mr. Pico has completed over 1,000 automobile dealership transactions, whose combined values exceed One Billion Dollars.

In 1986, he authored and National Legal Publishing Company published the nation's first book on Buying and Selling Automobile Dealerships. You can view his biography at http://www.advisingdealers.com

The Top Five Morgan Silver Dollars

Why waste everyone's time? Let's skip the appetizers and get to the meaty stuff right now: The Morgan silver dollars poised to increase the most in value in the years ahead are the 1895, 1892-CC, 1894, 1878-CC, and the 1883-CC. Pretty bold prediction, eh? At this point, the reader now has three options: (1) Stop reading and act upon this information, (2) Stop reading and get on with life, or (3) Continue on, evaluate the analytical approach to identify the "Top Five" Morgan dollars, and then implement a variation of (1) or (2) above. If you've gotten this far, we encourage you to continue on with option (3).

First, a little background info on the Morgan silver dollar...

The Morgan silver dollar is today one of the most popular of all collector coins. First minted in 1878 following the passage of the Bland-Alison Act, the new dollar was named after its designer, George T. Morgan. Political pressure by powerful silver mining companies, in a gambit to stabilize the price of their commodity at artificially high levels, created the impetus driving the legislative action. Bland-Alison led to the overproduction of silver dollars, resulting in millions of these unused "cartwheels" languishing in bank and Treasury vaults. Indeed, few coins have ever been released under more dubious circumstances than Morgan silver dollars. Minting continued until 1904, and then again for one more year in 1921, when the series finally came to a close.

The Top Five Morgan Silver Dollars

For decades thereafter, Morgan dollars were largely snubbed by hobbyists. Many dates, including those in mint state condition, could be obtained for as little as .00. This situation shifted dramatically in 1962, when the US government began selling original 1000-piece silver dollar Treasury bags to the public at face value. Stories of rare dollar finds circulated widely, touching off a veritable Morgan mania. Within a matter of months, all but a small fraction of the federally owned coins were transferred from government vaults to private hands, consequently expanding the Morgan dollar collector base far beyond anything seen previously.

Since then, Morgan silver dollars have proudly perched themselves atop the catbird seat of the numismatic world. Their physical size, availability, beauty, and historical significance have consistently attracted herds of new buyers. Numerous boom-turned-bust cycles have come and gone, sometimes driven by pure speculative motives, but from a long-term perspective, most Morgan dollar prices have trended somewhat positive.

Unlike some controversial promoters in the past, I do not propose purchasing Morgan silver dollars simply as investment vehicles. However, for collectors hoping to satisfy their numismatic yearnings AND acquire coins destined to be worth substantially more in the future, Morgan dollars do present a few opportunities. As noted above, as a whole, Morgans have gained moderately in value over the years. The crucial challenge, then, is to identify which members of this series have enjoyed the best growth patterns in the past. The underlying logic is clear: coins that have demonstrated the strongest gains over a long period of time are the coins best positioned to show similar price advancements with the continued passage of time.

In order to measure past performance and thus visualize Morgans most likely headed toward a bullish future, I developed a systematic approach. First, I researched individual Morgan dollar retail prices as they existed in 1950, for a broad range of conditions, and entered this data on a computer spreadsheet. Moving forward in time, values from the years 1980, 1995, and 2000 were likewise recorded. Finally, estimated selling prices in 2005 were juxtaposed with counterpart data from those earlier years. Because grading terminology has evolved over the 55 year period, certain assumptions were made to progressively track price movements throughout the time spectrum (e.g. an "Uncirculated" value in 1950 is equivalent to the "MS-60" of today).

For each date and condition, compounded annual return rates were computed from 1950 to 2005. [Editorial note: compounded annual return rate is the accepted yardstick for comparing investment performance. Of course, coins do not grow at a guaranteed uniform rate, such as bonds do, but if a coin is purchased at a certain price, and that price is compared with the value of the coin at some later date, the compounded annual return rate can be calculated for the time period in between]. Return rate computations were made from 1980 to 2005, 1995 to 2005, and 2000 to 2005. For each Morgan dollar, the data was placed in tabular format.

Next, I calculated a "composite" score for each date by averaging all the compounded return rates computed for that date. I then ranked all the "composite" scores. The Morgan silver dollars with the highest scores are as follows:

Date: Score:

1895 11.37

1892-CC 10.54

1894 10.43

1878-CC 10.28

1883-CC 10.25

So, it would appear, based on past performance over a period of 55 years, the 1895 is the Morgan silver dollar with the best hope of appreciating significantly in the years ahead, followed by the 1892-CC, 1894, 1878-CC, and 1883-CC. Not surprisingly, dollars of the Carson City Mint occupy 13 of the top 16 positions, thanks to persistent collectors scrambling for bona fide artifacts of the romantic American West. On the opposite end of the rankings, Morgan silver dollars having the bleakest long term prospects include the 1898, 1899-O, 1884, and the 1888-O, followed by the 1897 coming in dead last with a score of 2.66.

Anyone whose dual objective is to acquire Morgan silver dollars with a bullish future ought to begin looking at the "Top Five" above. Purchase coins in the best condition you can afford, but be sure the coins are clean, problem-free, and CERTIFIED by a reputable grading service. Be prepared to hold for at least five years. Morgan dollars have skyrocketed in value in the last three years, so some cooling off may be in order before the next upward cycle.

If a polling firm were to survey the population of US coin collectors, it is very possible that Morgan silver dollars would win the vote as the most appealing coin in American coinage history. These beautiful coins have been the heartbeat of the hobby for many years, with no retreat in sight. Ironically, these same coins spent the better part of a century hidden away in government vaults, unseen, unwanted, and unloved. My, how times have changed!

The Top Five Morgan Silver Dollars
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Author Daniel J. Goevert is the webmaster of US Coin Values Advisor (http://www.us-coin-values-advisor.com), specializing in coin value trends and listing bullish US coins. Other offerings include detailed coin collecting advice as well as an illustrated history of the United States and the US Mint.

How to Write an Apartment Investing Business Plan

If you are thinking of getting started investing in apartment properties, one of your first steps will be to complete a solid business plan. This is also true for professional investors, as well, because it is something you will come back and revisit year after year to update and adjust things as your investment business grows and matures. It is 100% accurate that that failing to plan is planning to fail.

How do you get started writing a business plan for your apartment investment? What should be included? How long should your business plan be - how many pages?

I have some great news for you - especially if this task seems a bit daunting. I have a 5-step process to help you write your business plan in a single night - even if the last time you wrote something was in 9th grade English class.

How to Write an Apartment Investing Business Plan

Your business plan does not need to be several hundred pages, full of charts and graphs, etc. It will serve you much better to have a laser-targeted business plan that you will come back to again and again in the future to make sure you are on-track.

Here is the abridged version of how to get started on your business plan for apartment investing:

1. Mental Toughness And Commercial Investment Real Estate
This is arguably the most important section of your business plan because it all starts with your mindset and what you truly want to achieve. What do you want to achieve as a result of owning and profiting from commercial investment real estate? What BENEFITS do you want as a result? Start Your Commercial Real Estate Journal Today By Entering What You Really Want Out of Commercial Investment Real Estate and What You Really Intend To Get Out of It. This is something that you need to do every day!

2. The Three Properties Per Week Rule
If you are truly serious about making a success in the apartment and commercial real estate world, the best way to get started is using my 3 properties per week rule. Essentially it is this: if you look at 3 properties per week, you will have looked at over 150 properties in a one year time frame. This, above all else, will sharpen and hone your property analysis skills over time. Committing to this rule will set you well above your competition because I can guarantee that they will not do this.

3. Commercial Investment Property MARKET ANALYSIS
The next step is analysis of the apartment property market in your target area. You need to know all the essential elements of the market. What is the average CAP Rate in the area for Class A, B, and C properties. What is the average number of days an apartment project is on the market? What are the average rents for Class A, B, and C properties?

4. INVESTOR PERSONAL ANALYSIS And Team Building
Identify the the members that will be a part of your "Dream Investment Team." Specify which Appraiser, Attorney, Accountant, Bookkeeper, Broker, and Property Managers you will be working with in your market. Ask any successful apartment investor and they will tell you that their "Dream Team" is key to their success.

5. INVESTMENT PROPERTY ANALYSIS
Finally, you will delve into the actual property analysis itself. Identify all of the specifics of properties that you are targeting, including the CAP Rate, number of units, average rents, and vacancy rates. More importantly, what are the opportunities of the property? Can you raise rents and lower expenses, thereby increasing the property value within the next 12 months? This is where you will get into the nitty-gritty details, and for some, this will be one of the most exciting parts of your business plan.

These are the key pieces to include in your business plan for apartment investing. As you can see, you do not need hundreds of pages in your business plan - and this can typically be done in a single evening without interruptions. I suggest you find a quiet place where you will be able to work, uninterrupted on your business plan. Unplug the phone, turn off the email, Facebook, and Twitter updates. Lock the door and get to work, as this is a key ingredient to your success as an apartment investor.

How to Write an Apartment Investing Business Plan
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Do you want to learn more about investing in apartment buildings? Click the link below for my FREE 7-Part Investment e-Course, and I'll also send you my FREE special report and teleseminar access, "How to Buy Apartments and Commercial Real Estate With No Or Low Money Down."

Download it free here: Apartment Investing.

Free Work at Home Jobs - You Really Don't Have to Pay to Get Started Working From Home

Free work at home jobs are an absolute must if you want to earn an income from home. Let's be frank here; if you have to pay to get any kind of job the chances are good that you'll simply be wasting your money. It's a much better idea to find free jobs or even start your own business.

Finding Free Jobs You Can Do At Home

We'll focus on finding free jobs first since they seem to be the most comfortable for people. There is always a sense of security that we allow ourselves to have when someone else is calling the shots.

Free Work at Home Jobs - You Really Don't Have to Pay to Get Started Working From Home

One way you can work at home is to telecommute. If you already have a job, the chances are good that your boss will consider allowing you to telecommute. Arm yourself with one of the various studies that show allowing your employees to work from home saves you money in the long run. Best of all, you can work in your pajamas and not have to endure a commute.

If that is not an option for you, it is possible to look in places like Craigslist, or even one of the large job hunting publications like Monster. There are sometimes jobs available where potential employers will allow you to work from home.

Avoiding The Hassle By Owning Your Own Business

More people than ever are deciding to drop their jobs and work from home with their own business. Yes, it can sound really daunting to say that you're going to work for yourself, but it just might be easier than you think.

If you have any talents or skills (Which you do have!) you can act as a consultant for other businesses. That's just one great idea you can use. If you're good at crafts or can somehow monetize a hobby you can look to those interests as potential business options as well.

Many people are turning to the Internet to get started with their own home based business. It makes sense as the Internet is fast becoming the medium of choice for productivity, entertainment, and communication. Research all that you can to choose the right path for you. Free work at home jobs are everywhere if you know where to look.

Free Work at Home Jobs - You Really Don't Have to Pay to Get Started Working From Home
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Since you're interested in free work at home jobs, it's best to get inspired and take proven steps to earning an income at home. These are full-proof methods that will help you get started fast from people who've been in your shoes. Click to earn a full time income from home, I do using just one of the strategies in the book you'll find there

How to Buy Tax Deeds - Start With Little Money And Make a Fortune In Tax Deed Investing

Many people are under the false impression that you need to have a lot of money to invest in the amazing wealth-building vehicle of tax deeds. This is a myth that I am going to personally debunk right now so that you are no longer held back from investing in this most lucrative field.

You have the potential to be making huge sums in very little time, even if you only have a few hundred dollars to start with. There is a secret that once you know, will make you unstoppable. Want to know what it is? You're in luck, because I'm about to tell you.

Most people who invest at tax deed auctions think that the only thing worth bidding on are developed properties with houses on them. This means that the bidding will often go into the tens of thousands of dollars before the auction stops. This is not a good thing if you have little money to start with.

How to Buy Tax Deeds - Start With Little Money And Make a Fortune In Tax Deed Investing

Many bidders take little notice of the lots with vacant land that are being auctioned off. They see little value in them. Some of these lots will sell for less than 0. Others will go for several hundred to a few thousand. This is where you can gain extreme amounts of leverage.

If you have done your research properly and won a nice lot for - let's say - 0, you are in for some serious profit. The market value of the lot you just bought may be ,000 or ,000. Not a bad profit, wouldn't you say?

Do you see just how fast your personal fortune could grow by investing in under appreciated vacant lots? It is truly phenomenal. You could turn one or two hundred dollars into multiple hundreds of thousands in a very short order if you follow a specific course of action.

Although tax deeds offer great investment with more safety than most investments, there are many key pieces of information you need to know to get the most out of your investing activities. If you do not take the time to learn the proper investment strategy and some of the finer points of due diligence, you will not have a good time and will most likely lose a lot of money.

Luckily, I have created an incredibly comprehensive and well written information product on the subject. It will teach you everything you need to know quickly, so that you can start accumulating your personal fortune immediately.

How to Buy Tax Deeds - Start With Little Money And Make a Fortune In Tax Deed Investing
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Did you know that you are only seconds away from learning how to achieve consistent 20-300% returns on the money you invest with complete government certified safety? Discover the new and innovative strategies that will take you to heights of investing success you have never reached before. Leave stock, bonds, mutual funds and all other ordinary investments in the dust. Click on: Tax Deeds to start now or visit http://TaxLienInvestingGuide.com.

Investing in Silver - How To Buy Silver Coins Under Spot

How would you like to buy silver coins at a discount?

I'm going to tell you about a certain type of coins that you can purchase under the spot price of silver.

Yep. Below cost. The type of silver bullion that I'm referring to are 90% silver coin bags.

Investing in Silver - How To Buy Silver Coins Under Spot

You'll often hear 90% silver coin bags referred to as 'junk silver' bags. They aren't really 'junk,' though. This term is simply used to describe a bag of circulated silver coins in average condition.   These coins are really only valued for their silver content, not their collectible value.

'Junk silver' bags contain coins that were struck in 1964 or earlier, such as the silver Kennedy half dollars, Roosevelt dimes, and Washington quarters. They are comprised of 90% silver. After 1964, the amount of silver contained in coins was reduced to 40%.

Here's the neat part - the 90% silver bags containing dimes or quarters can be purchased through some dealers for as much as 1% under spot! It's like getting silver on sale! How cool is that?

Yes, the coins will look worn, have nicks, scratches, and show their 40-plus year-old- age. However, keep in mind, it's what inside that counts. And these 'junk silver' coins will usually still contain over 99 percent of their silver content.

So which would you rather have? A newly-minted, pristine American Silver Eagle that costs 9% (at current prices) over spot? Or a bag of 90% silver coins that you can buy for 1% under spot? If you buy the bags, you can get 10% more silver! Amazing, huh? 

You can purchase 'junk silver' bags very easily online from any of the larger, reputable dealers or from your local coin shop in various sizes and denominations. Or, you can try one of the popular online auctions sites for even greater savings.

Investing in Silver - How To Buy Silver Coins Under Spot
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Right now, you can find junk silver coins below spot, with free shipping at: http://bullionbargains.com.

Houses With Unpaid Property Taxes - A Unique Investing Opportunity

If you've been investing in mortgage pre-foreclosure homes with little success, you may want to look into switching up your game plan and investing in houses with unpaid property taxes instead. Why? One simple reason: they rarely, if ever, are encumbered by a mortgage.

Houses with unpaid property taxes that make it all the way to tax sale have a few things in common.

First of all, they've had ample opportunity to be "saved" by their mortgage companies. Normally, if a house has unpaid property taxes and is in danger of being sold at tax sale, the mortgage company will come in and pay the taxes to avoid losing their stake in the property. More often than that, mortgage payments include property tax- so those houses would never end up with unpaid property taxes.

Houses With Unpaid Property Taxes - A Unique Investing Opportunity

Secondly, the taxes have been unpaid for quite some time. Although there is state code governing how long a property can go with unpaid taxes before being sold at tax sale, often they go much longer due to the discretion of the county (sheriff, clerk, tax commissioner, etc). Once taxes have gone unpaid for that amount of time, we can guess the owner isn't planning on paying them off, or that they don't have the money, or simply don't have a clue that the property will be auctioned off. (Sometimes, they aren't even aware that they own the property at all!)

Finally, the most important thing they have in common is that they are a lucrative investment opportunity. While investing at the actual tax sale isn't always a great way to get a deal on houses with unpaid property taxes, due to the competition from other bidders, you can often get these properties directly from their indigent or uninterested owners for token amounts. They key is to contact them just before the property is going to be lost forever, when they've got nothing to lose by selling to you.

Houses With Unpaid Property Taxes - A Unique Investing Opportunity
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12 Basic Stock Investing Rules Every Successful Investor Should Follow

There are many important things you need to know to trade and invest successfully in the stock market or any other market. 12 of the most important things that I can share with you based on many years of trading experience are enumerated below.

1. Buy low-sell high. As simple as this concept appears to be, the vast majority of investors do the exact opposite. Your ability to consistently buy low and sell high, will determine the success, or failure, of your investments. Your rate of return is determined 100% by when you enter the stock market.

2. The stock market is always right and price is the only reality in trading. If you want to make money in any market, you need to mirror what the market is doing. If the market is going down and you are long, the market is right and you are wrong. If the stock market is going up and you are short, the market is right and you are wrong.

12 Basic Stock Investing Rules Every Successful Investor Should Follow

Other things being equal, the longer you stay right with the stock market, the more money you will make. The longer you stay wrong with the stock market, the more money you will lose.

3. Every market or stock that goes up will go down and most markets or stocks that have gone down, will go up. The more extreme the move up or down, the more extreme the movement in the opposite direction once the trend changes. This is also known as "the trend always changes rule."

4. If you are looking for "reasons" that stocks or markets make large directional moves, you will probably never know for certain. Since we are dealing with perception of markets-not necessarily reality, you are wasting your time looking for the many reasons markets move.

A huge mistake most investors make is assuming that stock markets are rational or that they are capable of ascertaining why markets do anything. To make a profit trading, it is only necessary to know that markets are moving - not why they are moving. Stock market winners only care about direction and duration, while market losers are obsessed with the whys.

5. Stock markets generally move in advance of news or supportive fundamentals - sometimes months in advance. If you wait to invest until it is totally clear to you why a stock or a market is moving, you have to assume that others have done the same thing and you may be too late.

You need to get positioned before the largest directional trend move takes place. The market reaction to good or bad news in a bull market will be positive more often than not. The market reaction to good or bad news in a bear market will be negative more often than not.

6. The trend is your friend. Since the trend is the basis of all profit, we need long term trends to make sizeable money. The key is to know when to get aboard a trend and stick with it for a long period o ftime to maximize profits. Big money can be made by catching large market moves. Day trading or short term stock investing can
capture the shorter moves while waiting for the longer term trend to establish itself.

7. You must let your profits run and cut your losses quickly if you are to have any chance of being successful. Trading discipline is not a sufficient condition to make money in the markets, but it is a necessary condition. If you do not practice highly disciplined trading, you will not make money over the long term. This is a stock trading "system" in itself.

8. The Efficient Market Hypothesis is fallacious and is actually a derivative of the perfect competition model of capitalism. The Efficient Market Hypothesis at root shares many of the same false premises as the perfect competition paradigm as described by a well known economist.

The perfect competition model is not based on anything that exists on this earth. Consistently profitable professional traders simply have better information - and they act on it. Most non-professionals trade strictly on emotion, and lose much more money than they earn.

The combination of superior information for some investors and the usual panic as losses mount caused by buying high and selling low for others, creates inefficient markets.

9. Traditional technical and fundamental analysis alone may not enable you to consistently make money in the markets. Successful market timing is possible but not with the tools of analysis that most people employ.

If you eliminate optimization, data mining, subjectivism, and other such statistical tricks and data manipulation, most trading ideas are losers.

10. Never trust the advice and/or ideas of trading software vendors, stock trading system sellers, market commentators, financial analysts, brokers, newsletter publishers, trading authors, etc., unless they trade their own money and have traded successfully for years and/or provide third party verification of performance.

Note those that have traded successfully over very long periods of time are very few in number. Keep in mind that Wall Street and other financial firms make money by selling you something - not instilling wisdom in you. You should make your own trading decisions based on a rational analysis of all the facts.

11. The worst thing an investor can do is take a large loss on their position or portfolio. Market timing can help avert this much too common experience.

You can avoid making that huge mistake by avoiding buying things when they are high. It should be obvious that you should only buy when stocks are low and only sell when stocks are high.

Since your starting point is critical in determining your total return, if you buy low, your long term investment results are irrefutably better than someone that bought high.

12. The most successful investing methods should take most individuals no more than four or five hours per week and, for the majority of us, only one or two hours per week with little to no stress involved.

12 Basic Stock Investing Rules Every Successful Investor Should Follow
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C.C. Collins is a respected financial strategist, market timing expert and CEO of BeMarketSmart.com.

Readers may avail themselves of a Free Trial of the author's ETF TrendRider market timing signal service.

Investing- How Political Risk Affect Your Investments

Recent articles have discussed the importance of investing overseas. Political risk applies to both developed and undeveloped countries. It is important to consider the political risk associated with those investments and the effect that risk can have on your portfolio.

From an investment portfolio perspective, unexpected changes in actions and policies taken by a country's leaders can greatly impact that country's financial markets. Nowadays, the actions taken in one country will often reverberate through other financial markets around the world. This risk is referred to as political risk.

For instance, the press reports that a Chinese government official raises concerns over how high and fast stock prices have risen. Traders around the world speculate that the Chinese government may take action to control the market. China's stock market has a massive sell-off, erasing 10% of its value in one day.

Investing- How Political Risk Affect Your Investments

That speculation then reverberates through the world's financial markets. The major U.S. stock markets decline 3% in one day. At one point during the day, the Dow Jones Industrial Average drops over 150 points in one minute. The average investor loses thousands, maybe even tens of thousands of dollars in one day.

But it doesn't stop there. The worldwide market correction causes investors to reassess the amount of risk in their portfolios. They are concerned and take action to reduce their exposure. So the markets don't just drop one day, but a down-cycle lasting weeks or months develops.

There are many other examples that I can give. There is a coup in Thailand, which affects foreign investors. Hugo Chavez, the President of Venezuela, announces the government is taking control over various industries with substantial foreign ownership. Stocks of companies with investments in Venezuela are immediately affected.

Political changes are a risk to a portfolio, but they can also be an opportunity. Having the foresight to anticipate political changes and the effects it will have on a country will allow you to buy in before everyone else does.

For instance, countries issue bonds just like companies do. The interest rate paid on those bonds (how the bonds are priced) depends on the financial and political stability of the country. Several years ago, Brazil was in serious financial trouble. Its bonds paid a very high interest rate to reflect that risk.

The government took steps to improve the financial condition. It changed tax policies and opened markets to foreign investment. As those policies took effect, the country became more stable. As the risk associated with owning Brazilian bonds decreases, so does the interest rate those bonds pay. If you purchased one of the bonds when it was paying the high interest rate and sold it after the country became more stable you would have made a handsome profit.

For years, most industries in China were government owned and controlled. Foreign investment was restricted and there wasn't a viable means of trading stocks. In the past several years China has made it easier for foreigners to invest. It has also been privatizing government owned companies. That process is still in the early stages. Although there continues to be significant risks associated with investing in China, there are also great potential rewards.

Remember that there is a trade-off between risk and reward. An investor's goal should not be to avoid all political risk. If you do, you will have to settle for lower returns. Lower returns mean you will have to save more to provide for retirement. Lower returns mean that you may not get the income from your portfolio that you need to live on during retirement.

Instead, there are two things that you need to do. First, understand that political risk exists. Even if you only invest in U. S. stocks and bonds, your portfolio will still be impacted by the actions of political leaders around the world.

Second, try to identify the political risks associated with the investments you own. The risk associated with equity investment in emerging market economies is different than those of developed countries. The risk associated with bond investments is different from those of equity investments.

Third, take steps to manage that risk. Alter your investment strategy. Broadly diversify your portfolio to reduce country-specific risk. Utilize both stocks and bonds. And have an exit strategy in place in case something unexpected occurs.

Investing- How Political Risk Affect Your Investments
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Nationally-syndicated financial columnist and Certified Financial Planner® Jeffrey Voudrie provides personal, in-depth money management services and advice to select private clients throughout the USA. He’ll answer your financial question – FREE at http://www.guardingyourwealth.com