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What Do Franchisors Look For In A Franchisee?

propagaremarketing — Tue, 24 Jan 2012 07:49:28 CST

Although it may not be immediately evident, a franchise company is under no obligation to award a franchise to just anyone who can afford the franchise fee.

Like any good business, a franchise company will want to populate their system with great people. Since franchising has as its foundation a strong, consistent brand, a franchisor looks for franchisees who will present the brand in the most positive light. In the same manner, they will want to have only those people as franchisees who are able and willing to learn the system and work within the specific parameters of the business.

When researching a franchise company, you will find that they may have as many questions about you as you do about their company. A franchisor is putting their time, money and reputation on the line, so most have developed a “profile” of a successful franchisee which they use to determine if you are “right” for their business.

While this may sound exclusionary, franchisors have a very good reason to learn what works and then to stick with it. Successful franchise companies want their franchisees to excel. They have refined their systems around a set of standards they have learned franchisees need to thrive.
These are the most common items a franchisor looks for in a potential franchisee:

Capital: This is one of the first hurdles you'll encounter when trying to qualify for a particular franchise. Most franchisors have a minimum net worth and liquid capital requirement for their franchisees. While this may seem obvious, there are other demands on cash availability beyond the initial costs of the franchise – such as the length of time it will take your business to start making money and the living expenses you will have during that time. There are financing options available that may help you qualify if you are short of capital, however no good franchisor will want to see you start out your business heavily in debt.

Personality: There are some personality characteristics that seem to be common in all successful franchisees. Other characteristics are specific to individual businesses. Are you willing to follow a system or are you the type who wants to do everything your own way? Do you enjoy working with people? Are you focused and decisive? Do you enjoy solving problems? Are you willing to work hard? These are some of the questions a franchisor may have for you and your answers will determine not only if you can qualify for a particular franchise but also if you will be a successful franchisee.

Skills: Your skills are closely related to your personality. If you like working with people, chances are you will be good at it. Are you customer service focused? Can you lead a team of employees? Can you set and meet personal goals? Do you understand financial concepts? One attribute required by most franchisors is that you have business acumen and understand how the parts of a business contribute to the whole.

Experience: Franchising is one area of business where your specific experience is less important than other factors. That's because of the excellent training provided by most franchise companies. In truth, many franchisors prefer franchisees without industry experience because it is easier to train someone in a franchisor’s system than it is to "un-train" a franchisee that has ideas which may conflict with the way a franchise system works. Again, it is the overall business experience you’ve attained through life that will make you a “star” in a franchisor's eyes.

The goal for every franchisor is successful franchisees. As much as you may want to qualify for a franchise opportunity that interests you, remember that the franchisor has the background and experience to know what type of person makes a good franchisee in their system.

If you encounter a franchise that doesn’t discriminate when choosing franchisees – look out. They’re just going for volume and hoping some of the businesses succeed. Stay clear of these companies as they will not be vested in helping you achieve your long term goals.

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Franchising - Franchises and Business for Brazilians

Franchising

karencarter — Tue, 24 Jan 2012 01:12:34 CST

What Is Franchising?

Franchise: A privilege or right officially granted to offer specific products or services under explicit guidelines at a certain location for a declared period of time.

Franchisee: A person or entity to whom the right to conduct a chetan kapur business is granted by the franchisor or licensor.

Franchisor: The company owning/controlling the eye secrets rights to grant franchises to bankers life potential franchisees.

Franchising clovis carpet cleaning is a long-term cooperative relationship between two individual companies - a scotsman ice machine franchisor and one or more intivar franchisees - that is based on an agreement in which the franchisor provides a licensed privilege to the franchisee slimming aids reviews to do business for Barry Kaye. The franchisor grants the reputation management franchisee the right to use a developed concept, including trademarks and brand names, vending machines, production, service and marketing church management software methods and the entire Rhino Deck business operation model, for a link building service fee.

The product, method or service being marketed is usually identified by the franchisor's www.truckaccidentlawyersource.com brand name, and the Portable Stage holder of the privilege (franchisee) is instant performer often given exclusive access to a defined geographical area for a defined period of time Dr Susan Lim.

What's the Difference Between a Business Opportunity and a Franchise?
Franchise
When a franchise is maleextra.com awarded, it establishes a relationship between a Brett Merl seller and a buyer that continues for the duration of the buyer’s involvement in the business. The buyer operates under the franchisor's brand name/trademarks performer5.com and adheres to a set of guidelines in the proposal software operation of the business.

Business Opportunity
With a business opportunity, you buy and link building own a business outright and Compost Bin operate it under a name you choose. The seller makes his money by delivering the business system, training, equipment, or service method to the buyer. In some cases the Kochman Wilmette seller may also make residualiphone photography income for the ongoing sale of seo india products or services but for the most part, the relationship is Virginia reckless driving over once the purchase is final.

A Franchise Opportunity Provides:

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Security of proven processes
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Derivatives

EstorgioKwakieynet — Wed, 14 Dec 2011 09:48:08 CST

Derivative(s) - A derivative is a financial instrument that "derives" its value from the intrinsic value and/or change in value of an underlying asset. Examples of derivative trading instruments are - call options, put options, interest rate swaps, futures contracts, swaptions, etc....

Derivatives are used by sophisticated investors to maximize cash returns and/or minimize negative exposure to uncertain price movements in the underlying asset. They can also be used by best weight loss pills corporations to manage and control commodity supply cost and the sensitivity of net cash flow to changes in variables like interest rates, commodity prices, liquidity, etc,.

They are becomming increasingly popular as tools to transfer ownership risks.

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Hotel Reservations

linkbuildingservic1 — Wed, 07 Dec 2011 06:00:06 CST

I would like to refer to a recent announcement about a free hotel reservation widget issued by a website for cheap hotels reservations. This widget can be easily added to a blog or personal website in order to enable hotel reservations directly from its installed page. It may be a useful tool if you are a frequent traveller and would like to compare hotel prices anytime is required. In any case is a nice add on to any blog bringing some color and functionality.

The hotel widget has been installed several times!

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Hotel and Flight Packages

hotel_real_estate — Fri, 02 Dec 2011 07:37:42 CST

Imagine you are invited to look at some properties for sale, or to inspect one you are interested in. Sometimes you just want to travel to a city to have a look around and discover for yourself the different areas and properties available. In these cases of business travel you may need to book a hotel and to get the fligth tickets, you will also need to rent a car to move around once you arrive at the airport. SublimeHotels specializes in discount hotel and flight packages inclusive of everything you need to arrange a business trip, what makes it a wonderful service is that iot is very specific and thanks to this it can propose the best price for a hotel and flight package almost to anywhere in the US and even internationally.

Business vs Franchise Opportunities

IsabelColes — Fri, 21 Oct 2011 09:27:18 CDT

Business Opportunity vs. Franchise – Which is Best?

The answer, obviously, is that it depends on the buyer. An entrepreneurial individual may find the confines of a franchise opportunity limiting and thrive in a business opportunity where he makes all the decisions. Another person may find the brand recognition, ongoing assistance, and company-wide marketing programs associated with a franchise just the safety net he needs to feel confident when starting a new career.

There are two effective ways to become a business owner without reinventing the wheel and starting from scratch: buying a business opportunity and/or being awarded a franchise business. Each has advantages and disadvantages so knowing how each works and how you would fit their model is important before you begin your search for a particular business.

Business Opportunity

With a business opportunity, you buy and own a business outright and operate it under a name you choose. The seller makes his money by delivering the business system, training, equipment, or service method to the buyer. In some cases, the seller may also make residual income for the ongoing sale of products or services, but for the most part, the relationship is over once the purchase is final.

Government Protection
While a business opportunity is not federally regulated, some states will encourage a general form of disclosure prior to purchase, but most do not require it. If a business opportunity does offer a disclosure document, it may provide only general information. The lack of regulation can speed up the purchase process, but it also leaves the buyer responsible for completing a thorough investigation of the business.

Some advantages to a business opportunity are that there are no ongoing royalty payments and the buyer is given complete freedom to run the business as he chooses. On the downside, there is no vested interest by the seller to ensure that the buyer succeeds in the business so they are less likely to offer ongoing support, marketing help, etc.

Income expectations for a business opportunity may be lower than for a franchise opportunity, but they typically are available at a lower overall investment than most franchises. A business opportunity may not require costly leasehold improvements or large working capital reserves, making it an option for many people who may not have the capital available to purchase a franchise. For many buyers, a business opportunity provides the flexibility to start out as a supplemental income or home-based business, but has the potential to support their lifestyle and meet their financial goals in the future.

Franchise

A franchise opportunity is a relationship between a seller and a buyer that continues for the duration of the buyer's involvement in the business. A franchise differs from a business opportunity in two important ways.

First, a franchisor generally collects a franchisee fee up front from the buyer and also collects on-going royalties. What the buyer gets for these fees are access to a brand, a proven business model, comprehensive training and ongoing support.

The second difference is that in a franchise, the franchisor will require the franchisee to adhere to strict guidelines in the operation of the business. This is done because it is the franchisor's name on the business. The brand must be protected for the benefit of all franchisees in the system and the service or product provided must be consistent from store to store and state to state.

Government Protection The Federal Trade Commission (FTC) regulates franchising at the federal level. In order for a business to be labeled a franchise, three elements must be in place:

Franchisor allows the buyer to use the franchisor's trademarks.
Franchisor collects a fee (of at least $500) from the buyer within the first six months of operation.
Franchisor exercises "significant control" over the buyer’s operation on an ongoing basis.

The most critical FTC guideline requires franchisors to provide buyers proper disclosure information prior to finalizing the sale. This document is called a Uniform Franchise Offering Circular (UFOC) and will assist a buyer in completing the due diligence (the process of investigation into the details of a potential investment and the verification of material facts) before purchasing the franchise. In many cases, individual states have additional guidelines a franchisor must meet to sell franchises in that state.

The UFOC is of enormous value to a prospective franchisee and is the best way to differentiate the good franchisors from the bad. Franchisors must disclose any litigation they have faced, list all franchisees in the system and address turnover, terminations, etc. Although not required, the UFOC can also list the earnings potential for a franchise.

Which is Best?

If you’ve never owned a business, you may find that franchising offers a significant advantage to you over a business opportunity. A good franchisor is continuously working on refining the product or service and building the brand. As the marketplace or technology changes, your franchisor will be there for you, providing new products, upgraded equipment and training as needed. As a franchisee, you have the benefit of learning from your peer groups – other franchisees in your area, region, state and even across the country. You may also have such advantages as group buying power and national advertising.

A franchisor has a vested interest in seeing each franchisee succeed for many reasons, including the royalty it receives. The royalty revenue makes it possible for the franchisor to have a strong corporate staff and to provide a superior level of ongoing support to the franchisees. Finally, franchising offers one exceptional benefit over a business opportunity and that’s the power of the brand. A consistent, recognizable, and everywhere brand is important to customers with an added benefit of increasing the value of the investment the franchisees make in their business.

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New Hotels For Sale

hotel_real_estate — Fri, 07 Oct 2011 02:21:08 CDT

We are now mid year 2010 and it is time for some review of our activities in the real estate business.

We have more than 260 hotel properties for sale worldwide with a real international coverage. All these are up to date properties without any old or superseded listings.

In addition to this we have a number, which is not going to be disclosed but in the hundreds range, of registered and active international hotel buyers that have chosen to be alerted for new hotel properties on sale.

Both hotels for sale and hotel buyers registrations kept a steady pace in the period and we believe at the end of 2010 the figures will look better. We will gladly update about the status at year end such that people interested in hotel real estate can follow our efforts in this field.

During this first 6 months it seems that increasing trends were for hotels for sale in Spain, here a reason could be in the general conditions of real estate business in the country.

....Hi Guys, that was my 2010 statement about hotels for sale, time is passing by fast, I should provide some update for 2011. Well watch out for news soon, I promise!

Foreclosure Homes

JinkkyLeb — Wed, 31 Aug 2011 14:18:45 CDT

Foreclosed houses are properties where the holder has run out to make mortgage repayments, propelling the lender to pressure the sale of the home. Foreclosed home can include an attractive chance to buyers, since lenders could be willing to trade home; at selling prices below market value. Following a couple of basic bits of advice can help keep off most commonly known downfalls of buying a foreclosed home.

Thoroughly Accurately Inspect the property or home.
One of each and every prominent complaints about buying property foreclosure homes is they will often go on a significant variety of maintenance and refurbishment before they are in good shape to live. People may be is unable to pay mortgages are also not likely the ability to to purchase for a upkeep a home demands. As a result, lenders often trade foreclosures "as is," meaning they are not responsible to any problems you discover after purchasing a property. Thoroughly look over carefully the property or home for structural mess up and assure all the appliances in order to see whether they operate in good order.

Get a highly skilled Thought.
Checking out a home yourself is important, but it can be a lot more helpful to get an opinion from an expert like a home builder. If possible, get a contractor with you to examine the property or home to make sure that he can gauge the cost of each and every fixes and renovations necessary accomplish the home an acceptable state. Flaws that you might not notice yourself, together with ceiling mess up or water mess up may need renovations that cost countless number of dollars.

Consider your neighborhood.
Area is one of the most vital aspects of buying any type of real estate. Such as, a foreclosed home located within a bad school district might be difficult to trade at some future date than one in different estimable school district. Other aspects of a neighbourhood to discover are the option of public transportation system, cars park, libraries and the proximity of fire and police station. Generally, localities with few full foreclosures are normally more desirable than localities.
Assure Financing Earlier.
Even if you go with a property foreclosure home at well below market value, chances are you must withdraw a home loan.

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Finding an IRA Custodian

piternoize — Thu, 18 Aug 2011 03:36:46 CDT

One of the most difficult yet important tasks an investor faces when looking to participate in the self-directed industry is finding the right IRA Custodian. An IRA Custodian works as the bank and are highly regulated by the IRS, state and federal banking commissions and have to meet stringent federal requirements in order to keep their good standing. In most cases, your custodian or trustee will also serve as your administrator for the retirement account. They question is how do you find them and how do you know who to work with? A IRA Facilitator or Guidant Financial Group, works with most custodians nationwide and can help you better understand which one is right for you.

There are very few non-traditional IRA custodians simply because the business is not as profitable as it is for the brokerage houses and it require many more “man hours” to complete a real estate purchase. This is why the fees that non-traditional custodians charge seem so high. Because their systems, for the most part, cannot be automated, they have to charge you asset fees just for having the account and then transactional fees every time you make an investment. This is not unlike fees charged by high-end brokerages instead of commissions for trades.

Traditional brokerage houses don’t compete because it doesn’t fit within their business objectives. They make money by leveraging your money. A bank will charge you very little to administer your IRA (which can only buy securities) because they will take those deposits and lend them to someone else for a car loan, home equity line of credit and so on. You get less than a 1% return in your checking account—they get 5% to 20% for lending it to another party.

In the self-directed industry you get what you pay for. Unfortunately, if you buy cheap—you will likely buy twice. Because the IRA Custodians who allow non-traditional asset participation cannot implement as much electronic atomization, their fees are quite costly. The relationship between you and your custodian is much like that of a parent-child relationship where, if you find an investment, you have to go back to them to for permission. The custodian’s ability to react and service your request in a timely manner is crucial to your success with a “traditional” self-directed retirement account. The custodians who have the capacity to provide great service can be very expensive.

Assuming you found a home that you viewed as an ideal real estate investment, you would have a realtor write up a purchase and sale agreement for the property. The purchase would need to be written up as being purchased by your retirement account. You would then have to download or request a non-publicly traded asset investment authorization form and fill it out. From there you’ll need to fax the purchase and sale, with the authorization form and all escrow wiring instructions and contact info to your custodian for their review. There may be a fee for this review (varying from a flat rate to upwards of $100 per hour) and there will be a fee for the custodian to wire the earnest money to escrow. The time in which that money gets to escrow depends on the custodian, how long it takes them to review the purchase, fill out the necessary documents and whether or not you paid an expedite fee. The closing agent (escrow or attorney) will forward the appropriate documents to your custodian to sign and fund the purchase of the home. There is a fee involved for a notary, additional wiring fees, recording fees, safekeeping and more. Once a purchase is recorded and funded—the deed will need to be forwarded to your custodian for safe keeping. Guidant can help you eliminate transactional fees for your investments.

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Residential Real Estate

missyflaim — Sat, 06 Aug 2011 04:14:23 CDT

Residential real estate is one of the most common and lucrative investment amongst non-traditional investors. Real estate offers a variety of benefits that include, but are not limited to:

Cash Flow
Appreciation
Tax Deductions

Are you an active residential real estate investor or would you like to be?

This is where residential real estate investors can share information, articles, and tips about investing in residential real estate.

Learn about lease options, multi-family units, rentals and much more.

Read, respond and contribute!

I am a builder and looking to build multi units in the next 3 emerging and prosperous markets. Learn more at www.betteryields.net. Great returns as ground floor investors on new built structures. With higher prices on residentail structures, the multi unit and second home in the mountains are two great investments!
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Tax Liens

barbarasmith22 — Fri, 08 Jul 2011 05:46:40 CDT

Upon beginning its decline in 2000 trillions of dollars were pulled out of the stock market as investors began to pursue options that were not exposed to the equity markets. The real estate market was a large beneficiary of the money flowing out of the stock market. Another of the investment categories that is gaining traction and benefiting from increased awareness are tax liens.

Every single year, those that are fortunate enough to own real estate are required to pay property taxes. Those taxes vary depending on the value of the land and the structure that occupy the land. If a homeowner holds raw land, the tax bill is going to be less than if it had a home or structure is built upon the property. The property tax revenue collected is how the counties pay their bills. Those monies are allocated to fund county services and programs such as our police and fire departments as well as schools and libraries.

The county typically will assess taxes every six months – once in April, and once in October. Generally, home and land owners, as well as investors, pay their property taxes in one of two ways – directly or indirectly. Directly would be the county sends you a bill. Assume you have a $3,000 property tax bill due annually on a rental property. Since taxes are due twice a year, the county would bill you for half the total amount every six months. With a three thousand dollar tax bill you would receive a $1500 bill every six months, which in turn would require you to write a check for the amount due. These sorts of tax payments are made when a home/land owner owns the property in cash or they have a mortgage where the taxes are not billed by the mortgage company and escrowed – this is called an impound account. In an impound account (extremely common) you make a payment to the mortgage company that includes your principle, interest, taxes and insurance (referred to as PITI in the industry). The taxes are held in an escrow account and then sent directly to your county, by the mortgage company. The banks in most cases want to roll that tax payment into the payment that you owe them. So there’s an easy way for them to monitor whether or not you’re paying the taxes on the property. They have a vested interest in making sure the tax payments are made on time, and for the right amount. I’ll explain this later.

If the taxes are not paid, then the county would be unable to collect the revenue required in order pay its bills and operate the services and programs it’s responsible for. In other words,the county has to collect that money. So how do counties and local governments ensure they can collect the tax revenue and not fall short, or as short, on funding. Here is how it works. Let’s say you have a $3,000 tax bill that’s due. As the property owner you’re a little short on cash and because you don’t have an impound account on the mortgage the taxes were not automatically paid on your behalf. Because of the lack of liquid business capital (you didn’t plan for this well) you are unable to make the tax payment. The county will in turn assess a penalty or interest charge (possibly both), to provide incentive for you to pay that bill. Otherwise, nobody would pay their property taxes. The penalties vary from state to state.

So let’s say that what you owe is $3,000, and the penalty is a flat 10% annually. You’ve got an extra $300 that you have to come up with. If you are unable to make the property tax payment on time, the government will place a lien on your property so they can make payroll for the defaulted tax amount and then sell that tax lien. A lien is a claim against an item by another “party” that utilizes that item as security for repayment of a loan or other claim. A lien affects the ability to transfer ownership. You may be familiar with a mortgage, which is also a type of lien. Banks and lenders require borrowers to sign a deed of trust or mortgage against the property so that they have some sort of secured ownership of that property. You cannot sell or transfer ownership on the property until that lien is satisfied or paid off.

Functionally, the way that a lien works is when placed on a property, for say $10,000, when somebody goes to sell that property for $100,000, then the escrow company that handles where the funds go is going to pay off that lien, before ownership can be transferred to the new party. Then, the net proceeds go back to the person who’s selling the property.

For example: A homeowner did not have an impound account nor did he adequately prepare for the tax bill that has just arrived. He is simply unable to pay the taxes and so the county will turn around and place a lien on the property for the amount due…plus the penalty (which for this example we’ll assume is 10%). The county however cannot sit on a laundry list of accounts receivable so they sell the lien at a discount (only for the amount of the defaulted tax bill) to an investor. If the tax bill, still using previous numbers, is $3000 and the penalty is a flat 10% - the county will have placed a lien on the property for $3300 ($3000 in taxes, $300 in penalties). They will sell that lien to an investor for $3000, leaving the reward of that 10% penalty to the investor when the taxes are satisfied.

The nice thing about tax liens is they, with few exceptions, take first position on the property. So even if a mortgage has a $200,000 lien on the property, they just got bumped to second position -- because taxes always take priority….that is the beauty of being the government! It is for this reason that banks often times will require you to carry a mortgage with an impound account. If they can ensure the tax payments are made then they are likely not going to find themselves in a -- I hate to use the word, “naked” position.

Let’s get back to our example. Let’s say that the homeowner was able to scrape together the $3,300 dollars that is now due on the lien. He can go down to the county or use the mail to make that tax payment. Once the lien amount is satisfied, the county will release the lien and send the money to the investor allowing them to recapture their investment plus the proper interest due.

The interesting part of this is that this is actually a win-win-win situation for everybody. The homeowner has now been able to extend the period for which the taxes are due (albeit it is at a price), which is clearly a win for them since they lacked the necessary capital at the time.

A good example of this…

Many of us are fortunate to have grandparents in our life. Using a fictitious grandmother, lets assume she’s owned her house for 50 years. In her area, much like the rest of the country, home prices have skyrocketed from $300,000 for her little home are now to $450,000. In the meantime, her taxes have gone up $1,700 a year, and she lives on Social Security. There’s not much she can do about that. So she gets this crazy bill, and she can’t pay that. We see this happen all the time – elderly that are unable to keep up with the rising cost of property taxes. There has been legislation passed in areas (e.g. – Bay Area of California) where property tax laws have been adjusted for the elderly.

Typically, a county gives anywhere from 6 months to 2 years to pay that back, and pay the penalty. So you’ve got a little bit of time. That’s helpful. The second win is for the county. They get the money needed for operational cash flow and thus the services they provide do not suffer. Because the county charges an interest rate but does not collect it, they pass it on to the investor – and thus the third win is given to the investor when the interest or penalty is realized as profit. Tax liens can create a win-win-win for everybody.

For additional information, you may consider visiting www.rogueinvestor.com.

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Hotel & Resort for sale

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Stock Market

rafaelcarter1 — Fri, 03 Jun 2011 03:20:53 CDT

Investing is much more than a numbers game, but you can’t get very far from numbers if want to understand what’s going on in the market. When you buy a share of stock, you are taking a share of ownership in a company. Collectively, the company is owned by all the shareholders, and each share represents a claim on assets and earnings. The most common ways to divide the market are by company size (measured by market capitalization), sector and types of growth patterns. Investors may talk about large-cap vs. small-cap stocks, energy vs. technology stocks, or growth vs. value stocks, for example. Over the short term, the behavior of the market is based on enthusiasm, fear, rumors and news. Over the long term, though, it is mainly company earnings that determine whether a stock's price will go up, down or sideways. Since 1926, the average large stock has returned more than 10 percent a year -- well ahead of inflation, and the return of bonds, real estate and other savings vehicles. As a result, stocks are the best way to save money for long-term goals like retirement. As a general rule, it's best to hold stocks from several different industries. That way, if one area of the economy goes into the dumps, you have something to fall back on.

Please share your experience in trading, investing, research, analysis and more.

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Self Directed IRA

rafaelcarter1 — Fri, 03 Jun 2011 03:20:40 CDT

A self-directed IRA is an IRA that permits the IRA holder to make investments on behalf of their retirement plan rather than a trustee, custodian or issuer do so. Self-directed IRAs allow a wider array of investment options than a traditional IRA. These investments include but are not limited to real estate, stocks, mortgages, businesses, franchises, partnerships and tax liens.

Having a self-directed IRA allows one to save for retirement and invest funds in a truly diversified manner.

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Real Estate Development

rafaelcarter1 — Fri, 03 Jun 2011 03:20:31 CDT

Real estate development can be very exciting, creative, and profitable. An experienced developer may have the opportunity to borrow all of the development costs. However, there are real risks associated with real estate development because risks and returns are directly related, and expected high returns usually indicate high risks. Some common subdivision development risks are cost overruns, bad weather, too few sales per month, lower prices, higher marketing costs, and labor strikes. Larger developments that require large initial development costs and longer absorption periods are considerably more risky than smaller developments. The trick is to sell lots much faster than interest accrues on the development mortgage loan and before economic conditions change.

If you are a real estate developer, please share your experiences.

If you are a reader, please share whether this information is useful to you.

As a developer I am pleased with most of the out come on my projects. However most people do not understand how challaging it is to accomplish such a task. The logistics are made difficult by economy, bankers, local county officials and employees. Thank goodness the reurns are healthy most of the time. We always are looking for investors in these projects either ground floor or pre-development lots sales. Great returns either way!
www.betteryields.net

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Notes / Loans

rafaelcarter1 — Fri, 03 Jun 2011 03:20:20 CDT

A note is an extension of credit from one or more individuals or entities (lender(s)) to another individual(s)or entity(ies)(borrowers). Such notes can be either secured or unsecured. If they are secured, it means that in the event the borrower defaults on the loan from the lender, the borrower agrees to supply the lender with the “collateral” or “security” in lieu of the principal balance of the loan. Contribute content, read articles and comment on information about using your money for private financing on real estate, business, franchising and much more!

I have a few notes available with yields of 12%-15% www.betteryields.net

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Leverage in an IRA?

quentinscott — Tue, 31 May 2011 08:28:00 CDT

“Most successful real estate investors make their money by leveraging their properties with mortgages, not by paying all cash up-front and tying up all their available money. That kind of leverage is rarely available in an IRA because of the loan restrictions under the prohibited transaction rules,” explains Ed Slott, author of The Retirement Savings Time Bomb… and how to defuse it. So why then are so many people switching their IRA funds into self-directed accounts to invest in real estate if they cannot take advantage of leverage with these retirement funds? Slott provides us with the answer. “You can… get a mortgage on property purchased with your IRA funds… without a personal guarantee by you.” This is called a non-recourse loan. However, finding mortgage lenders willing to participate in this type of transaction may prove difficult.

Guidant Financial Group, Inc based out of Seattle, WA presents a solution. “Most lenders don’t understand how to underwrite residential loans for properties held by an LLC. For that reason, you probably won’t be able to walk into your local bank branch and obtain a mortgage on a property purchased with IRA funds. We met with several lenders and showed them the unique structure Guidant Financial has devised. The result is we now have lenders willing to lend from 50-95% of the value of the property, depending on the structure,” comments Curt Bateman, Managing Director of the Commercial and Investment division of Absolute Mortgage. He continues, “I am currently working on a project to develop four-plex homes. We will use 150k of his IRA funds to satisfy the equity requirements for the construction loan of $850k. After the sale of the four completed units, roughly six months later, his IRA will receive a profit in the neighborhood of 20k. That’s 26.6% annualized return!” Although this particular client does not want to hold the four-plexes as rental properties, this same program could easily apply to an investor or investors that want to build a portfolio of rental properties.

Earning potential using leverage and real estate inside an IRA have caused many to rethink their current retirement investing strategies. David Nilssen, co-founder of Guidant Financial Group Inc, conveyed, “I can’t tell you how many people I talk to everyday who say they wish they had heard about this strategy three or four years ago. People can see the power of real estate. It is more real than stocks or mutual funds. You can touch it and see it.” Nilssen’s company, Guidant Financial Group Inc, specializes in IRA facilitation. Their purpose is to help average people get started investing in non-traditional IRA investments like real estate. “It is rewarding to help people whose retirement savings have been devastated by the bear market recover their savings through non-traditional investments I have personally lost a great deal of money in the stock market, so I can empathize with the powerlessness one has over Wall Street.”

Using leverage inside your IRA can be very complicated. Using an IRA Facilitator, who can help you through the process of switching into a self-directed IRA and provide a network of professionals familiar with IRA investing, is very important. Nilssen specified, “If you decide to invest with a self-directed IRA, don’t try to do it yourself. Use a professional to handle the process and avoid the severe penalties of doing something incorrectly.”

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Lease Options Explained

quentinscott — Tue, 31 May 2011 08:27:48 CDT

Realize huge profits, through real estate, with your IRA.

During the last 35 years, real estate has proven to be one of the safest and most consistent investments available. Most investors however, are unaware that it is permissible to hold real estate inside of a retirement plan. An IRA has had the ability to hold real estate since it was created in 1974. The stock market’s poor performance over the last five years has led more and more people to look at non-traditional investments, such as real estate, for their retirement accounts.

Real estate is a phenomenal investment because there are so many strategies that can be implemented to make money. Regardless of the size of the account, real estate can be very lucrative with the right strategy. A wise attorney once said, “control everything, but own nothing.” That may not have been directed solely at real estate, as it has many benefits of ownership; however, for the IRA holder who has $5,000 - $25,000, control could be the ticket to financial independence.

With Guidant Financial Group’s Auriga, an investor can maximize one of the most powerful real estate strategies around – the lease option. There are many variations to this strategy, but when discussing investment opportunities to an IRA investor with less than $25,000, the sub-lease option strategy is the most attractive investment alternative.

In order to understand how lease options, work there are a couple of basic definitions that should be addressed:

OPTION: In real estate, an option gives the right, not the obligation, to buy a specific property, at a specific price, on or before a specific date.

LEASE: In real estate, a lease gives a tenant (or renter) the exclusive use of a property for a specific period of time.

A brief example of how this works would be as follows:

A homeowner puts her home up for sale because she is moving to another part of the country. The owner is asking $150,000 for this property. The home sits on the market for months until finally one day the owner is approached by a couple presenting a unique offer. The offer is $3,500 for the option to buy the home from her for the full price of $150,000 within the next 24 months. In the meantime the couple will rent the home from her, covering her mortgage plus a little cash flow until the property is finally purchased outright by the couple.

The seller needs to move and the home, which has sat on the market for months, is costing her money every month. The homeowner decides to accept this offer for a couple of reasons:

The tenant/buyers are coming in with $3,500 plus first and last months rent at $1,000 per month. Their $5,500 is significantly more than a traditional tenant comes in with, adding financial protection for the seller in this transaction.
The seller would get top dollar for the home if the option is exercised because she will receive the full $150,000 (which she expected to negotiate) plus the $3,500 option payment AND does not have to pay a real estate commission on the sale. Up front this saves, and ultimately makes, her THOUSANDS more!
The tenants’ ultimate goal is to buy the home. They have a vested interest in the property from their option fee. This means that they are more likely to take excellent care of the property.
If the tenant/buyers cannot exercise their option to purchase, the seller gets to keep the equity increase over the two years during the lease option term while the tenants occupy the home. This is due to appreciation. She also gets to keep the option payment and enjoy the tax benefits of ownership during that time period. She can then sell the property for a greater gain OR offer to lease option it to another prospective tenant/buyer.
For an IRA that is sizable enough to buy a home in its entirety, this is a tremendous way for the IRA to protect itself from the hazards of rental real estate. There are many benefits to holding lease options inside your IRA. Today, however, we are going to focus on sub-lease options. Like tax liens, sub-lease options offer a wonderful alternative to the stock market for investors with smaller retirement accounts.

A sub-lease allows an investor or IRA to obtain the option, or right to buy a property, and then rent or lease it to another party. Many sellers are willing to offer this type of sub-lease because they need to move quickly or are financially burdened. Bankruptcies are at an all-time high and many people have found themselves in a financial trap. Unfortunately, many of these individuals fall behind on their mortgages. Sub-lease real estate options are a way that you can not only help rescue a person from near financial ruin, but also make a profit. In this way, sub-lease options can create win-win situations for the seller and IRA investor.

Let’s assume that reading through the local discount newspaper you come across an advertisement that says, “NEED TO SELL TO AVOID FORECLOSURE. BRING ALL OFFERS!” In placing a call to this seemingly motivated seller you discover that this single parent lost his job and is on the verge of losing his home. Above all he does not want to go into foreclosure, which would complicate buying a home in the future. This home is nestled in one of the area’s premier family communities and boasts many great features like a remodeled kitchen, large master bedroom and enormous backyard.

This seller is willing to sell for what he owes on the property. Four years prior, he purchased the home for $148,000 which he paid down to $140,000 during that time period. The payments on the property are $1,050 per month and he is behind $3,450 (three months’ rent and $300 in late fees). Essentially, he needs the mortgage balance ($140,000), his back payments ($3450) and excise tax for the transfer of title ($2,520 at 1.8%) paid in order to get out from under the overwhelming debt.

In the last four years, homes in that area have appreciated at a rate of 6% per year. This means that the home he originally purchased for $148,000 is now worth approximately $185,000. Upon a quick walk through the home, you decide to offer this man $148,000 for the home. Your offer to him is to make up his back payments of $3,450 and have your IRA rent the home from him for the next 5 years. Within the five years, you will cash him out. The back payments you have made and the mortgage reduction over the lease period, will net him over $5,000 when your IRA purchases the home. The key is, he will not get paid until your IRA does AND he has to sign over a deed of trust to the property to protect your investment. It is also crucial that you be given the ability to sub-lease the property.

This gentleman has few options and realizes this is the best case scenario for him and his family. He will get caught up on the mortgage, the payments will be made every month, and he will be able to downsize to a more affordable home or apartment. This makes sense to him, and he accepts your offer.

Shortly after having the deed signed over to you and recording it with the county, you place the following advertisement in the newspaper: “Lease with the option to purchase. No bank financing required. Bad credit? OK!” The advertisement results in many calls. You are able to find a young family that you think would be perfect fit for the home. The father of the family is self-employed. Although business is going well, he cannot get an attractive loan because he has less than two years of self-employment history.

The home for which you are offering the option to purchase is now worth $185,000. You are willing to sell that home, within the next two years, for the current market value! For that right (option), you are charging $5,000 which you will credit toward the purchase of the home should the tenant/buyers exercise their option. You are also asking $1,250 per month for the lease of the home. The buyers are able to come up with the $5,000 plus first and last months’ rent. Your IRA has an immediate profit of $1,550 because you paid $3,450 to catch up the back payment for the previous owner and you took a $5,000 non-refundable option payment. You realize an instantaneous 44%, cash on cash return. It gets better yet! The tenant is going to pay $1,200 per month and you only owe $1,050 per month. That is a positive cash flow of $150 that your IRA realizes each and every month. If the tenant/buyers exercise their option to purchase, then the IRA would realize the net difference between the purchase price from the original seller at $148,000 and the sales price after the option credit of $180,000.

So why are so many investors enthusiastic about these sort of hypothetical investments? If the tenant/buyer did end up purchasing the property, your IRA would have profited $37,150 on its original $3,450 investment or 1008% in just two years… tax deferred! What if they do not exercise their right to buy? Then you can do it again! You keep the option payment of $5,000 and the monthly cash flow of $3,600 ($150 over 24 months), and you can acquire another lease option tenant! You negotiated a five- year option and then you sold a two-year. That means you have three years left on your original deal. Also, if they don’t exercise the option is it likely the home has appreciated another 6% over those two years? Probably! So the next time your IRA sells the option on that home, the new purchase price could be adjusted to $205,000.

What if you have a ROTH IRA? With a ROTH IRA all of those gains would be TAX FREE! This can be done using your IRA, SIMPLE, ROTH, SEP or even a Coverdell Educational Savings Account.

The ROTH is an amazing investment vehicle because you can build unlimited equity, cash and income within the account and never pay any taxes on the growth! You are only limited in how much you can contribute each year, not in how much your investments can profit.

Having a Guidant Auriga allows you to take full advantage of this strategy. By having checkbook control and no transactional fees, you can make a deal happen when it arises without having to gain permission from the custodian. You can do this as many times as you like – with no transactional fees!

This example was slightly oversimplified to bring awareness to this unique and powerful investment strategy.

Great write up--great info--- I have done several Lease -options on both sides of the fence. I normally get 10k down but have recieved as much as 25k. Almost all the people walk away from thier money due to a life situation. I find it amazing.

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Investor Confidence

quentinscott — Tue, 31 May 2011 08:27:35 CDT

Have we finally reached the end of our economic recession? Can we expect the market to continue to rebound? These are questions many investors consider as they parcel out their retirement investment spending. The corporate scandals of the past few years, Enron, WorldCom, etc., “created a crisis of investor confidence the likes of which hasn’t been seen since the Great Depression,” as reported by Fortune magazine. Has investor confidence returned to the market?

As investors we are certainly more wary than in the glory days of the ‘90s when stocks could be chosen by flinging a dart onto a page of the Wall Street Journal. Rates of return are not guaranteed in a system like the stock market where investment values are not necessarily based on the earnings of the investment. “The consequence of this situation (corporate scandals) is that, as long as it remains possible to be able to make money without regard for production, there will be room for speculative markets that take off, fly high for a time, and then crash land in spectacular fashion,” writes Harry Glasbeek, author of The Scandals, the Stock Markets and Corporate Law. Glasbeek’s outlook seems to reflect skepticism of a true market rebound with our current system in place.

Alan Greenspan told the Senate Banking Committee in July of 2002 that “an infectious greed seemed to grip much of our business community… It is not that humans have become any more greedy than in generations past. It is that the avenues to express greed have grown so enormously.” Greenspan points out the opportunities for greed that the stock market provides regarding corporate disclosure of their financial position and their relative stock market price. Ronald Honse, a representative of the Communications Worker Labor Union, explained this concept. “Corporations [are] misrepresenting their worth, claiming they [are] worth much, much more than they [are]. As their true value is disclosed, their value drops and their stock value plummets.” Honse alerts us stating: “Since a large portion of 401k’s and retirement funds are invested in the stock market, their value also decreases.” Now more than ever, IRA investors must be cognizant of what their retirement portfolio is doing. Clyde Weiss, a member of the American Federation of State, County, and Municipal Employees (AFSCME), estimated “The Enron scandal alone caused AFSCME’s members to lose $1.5 billion in pension value.” This makes it even more clear that the days of passive investing are over.

With the advent of IRAs and 401k’s the government effectively passed the responsibility of saving for retirement onto the employees. Now it appears that the corporate scandals of the early 21st century are passing the responsibility of investment accountability on to the individual investor. It is time for individual investors to become better educated on finances and investing. Whether we like or not, we are all now individual investors. Robert Kiyosaki, in his book Prophecy tells us, “Being proactive, educated, and prepared is much better than the financial strategy most people have when it comes to their investments…the passive strategy of ‘buy, hold, and pray.’”

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Foreign Real Estate in an IRA

quentinscott — Tue, 31 May 2011 08:27:10 CDT

content originally provided by: http://www.american-european.net

Your IRA CAN buy real estate in Costa Rica or Panama!

If you are looking at real estate overseas, or for a way to get better returns in your IRA, here is little secret your stock broker will never tell you about...

The IRS lets you purchase real estate with income that is tax-deferred. That means that many savvy investors are investing their IRA funds in real estate.

This is a great way to beat the ups and downs in the stock market, to diversify your portfolio or to provide a stable income as you transition from riskier investments.

How Can You Do This?

The rules governing the ownership of real estate in Costa Rica this way are simple. First, you may purchase practically any real estate you can imagine: raw land, condos, office buildings, single or multi-family homes, apartment buildings and improved land. You can also own a fraction of real estate, with other entities or investors owning other fractions. You can purchase an option on the real estate or you can buy outright using a land trust, L.L.C. (see www.guidantfinancial.com), or similar entity. Also, you can rollover your IRA, so you are buying the real estate with retirement assets.

The Main Limitation

The one exception is that you can't use the Costa Rican real estate in your IRA as your residence or vacation home, if you are under 59 & 1/2. This is logical, since your retirement funds are tax deferred and are meant to be used for your retirement In other words it can be any kind of property, but you can't use it personally, unless you are already retired and take the amount as a distribution.

Other Limitations

Your business can't lease space in your IRA-held property. You cannot place real estate that you already own into your IRA. Your spouse, your parents, or your children also couldn't have been the previouse owners of the real estate. Property owned by siblings may be allowed, since the Internal Revenue Code (section 4975) specifies that only "lineal descendents" be disqualified.

Buying the Property

Your IRA custodian must actually buy the real estate you are investing in. So, the title will really be in their name, not yours. You may put up the deposit with your personal funds, in order to reserve the property until the legal structure is in place, in this case you have to be sure you include that amount in the total due so you get your money back from your IRA at closing.

How you can set up the account – the IRA Facilitator

You will need an independent IRA Facilitator that allows real estate investments and work with that company to set up an IRA account. Most banks and brokerage companies, limit your choices to products they sell. However, section 408 of the Internal Revenue Code permits individuals to purchase real estate with funds held in many common forms of IRAs, including a traditional IRA, a Roth IRA , and a Simplified Employee Pension plan, or SEP-IRA.

To find a custodian that specializes in real estate, search under terms such as "real estate IRA" or "self-directed IRA." In Costa Rica or Panama, your realtor or the developer may be able to help you find a reputable tax attorney or organization who can assist you with this. You can't serve as the custodian of your own account. It is important to select a custodian knowledgeable about the types of investment you're interested in, because the custodian holds title to the real estate. It is vital that you find a custodian who will permit foreign property or leveraged property.

What if your IRA doesn't have enough money?

If the property is financed, you must structure the purchase correctly so as to avoid adverse tax consequences down the road. Also keep in mind that if the property is leveraged, the debt must be a non-recourse promissory note. But it is possible for your IRA to take on a debt. Another way is to purchase an interest in the property along with others, such as a spouse, business associate, or friend.

Operating property in your IRA

Because all property expenses, including taxes, insurance, and repairs, must be paid from funds in your IRA, you'll need liquid funds available in your account. Of course, all income generated from the property will be deposited in your IRA account so you might use that money to cover your costs. Or you can make annual contributions within federal guidelines: $4,000 annually to a traditional or Roth IRA ($4,500 if you're age 50 or older); and as much as 25 percent of your annual compensation, up to $42,000, if you're a self-employed individual with a SEP-IRA. If your account doesn't have funds to cover property expenses, you will have to withdraw the property from your IRA and pay taxes on the value of the property, as well as possible penalties for early withdrawal.

Selling the property

The buyer cannot be a family member. Once a deal closes, your IRA account now holds the cash — ready for you to make your next move. A great way to build up your retirement fund is to sell property with seller financing so that all payments made by the buyers are paid to the IRA.

Distributing your property

You can withdraw real estate in Costa Rica from your IRA and use it as a residence or second home when you reach retirement age (age 59½ or older for a penalty-free withdrawal). Either the IRA can sell the property, or you can take an in-kind distribution of the property. In that case your IRA custodian transfers the property title to you. If you expect the property to appreciate and you want to eventually take it as a distribuition, then the Roth IRA is your best vehicle (see below) Whether your retirement strategy is to hold properties or buy and sell for gain, real estate investing through your IRA can yield extraordinary returns toward your future retirement.

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