Great financial tips to ensure you make more dollar

Paid Surveys
Do you know that you no longer have to pay survey sites in order to make a little extra cash. Well, its true, there are a number of survey sites that will allow you to sign up and make money for free. Paid surveys are good for everyone, but they are really good for stay at home mom, college students who are looking for extra cash to pay for tuition or books, and hobbies.

How much can you make?
The amount of money you can earn depends on the paid surveys and the amount of paid surveys you participate in. Some surveys pay $2-$20 per survey and others pay $10-$100 per survey. Some surveys sites like GlobaltestMarket.com make you take a pre survey to see if you qualify for the big survey. GlobaltestMarket.com pays on a point system. For example, if you were to take a number of surveys, you would earn points, and when you accumulate enough points you can convert it to cash. The best way to make good money with paid surveys is to sign up with as many paid surveys as possible. In less than a month you will receive more surveys than you can handle. The more surveys that you participate in, the more paid surveys you will receive.

Why would people pay you for your opinion?
Easy, when a new product is produced, big companies want to know how this product would sell before it hit’s the market place. So they put out surveys for you and I to participate in and give our opinion on the product. These companies are willing to pay big money for people’s opinions on these products.

What type of surveys are there?
There are all types of paid surveys. The ones that I am familiar with are the surveys on products and T.V. ads. I have taken surveys on beer commercials and new television series that are now out in the market place. I even had product such as food sent to my home for me to eat and give an opinion on the taste.

Why take paid surveys?
Because it is at great way to make extra cash and to see what new products are coming to the market place. There are 25 top free paid survey sites that I recommend all survey takers sign up with. To find those top 25 click the link below.

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Expired Listings – 7 Steps to Sell Fast and Get Top Dollar

Over 50% of homes listed for sale do not sell during their listing period, in some markets its as high as 65%. The dirty secret in the real estate business is that most homes dont sell on the first go around. Blame the agent blame the home owner both are at fault. 7 steps below will give you the best chance of your home selling first time out.

1)Price it Right Far and away above any other consideration is the price. The worst home in the worst area at the right price will sell. Get your head out of the clouds, as a seller its just another house.

2)Hire the Right Agent Interview 2 to 3 agents, hire the one who uses the most tools to market your home. The Im No 1 and pat their self on the back real estate designations are not going to get your home sold.

3)Team Approach to Selling Agents who use a team approach to their business have the right attitude towards real estate. Todays single agent actually does 14 different jobs in the home selling and buying process. A team can spread the work load, specialize, and has less chance of dropping the ball (you and your house).

4)Advertising Systems Where, when and how often will your home be advertised in newspapers and home magazines. We know that about 90 to 95% of calls on ads reject the house after receiving all the information. But it is a fact that advertising especially using a 800# call capture systems with a compelling ad will draw buyer prospects for your agents team to work with.

5)Signs and Sign Riders signs with 800# call capture number. Show your agents web page address. Web page must have free reports and other areas for buyers to register. Sign riders offer compelling reasons for buyers to call the 800#, zero down, special financing, low down payment, Buy this house and Ill buy yours for cash are some that work well.

6)Open Houses One of the least effective ways to market a home. Saturday or Sunday afternoon for 3-4 hours you go to the mall and your agent hangs out watching TV. How about an open house tour 5 to 6 homes open the same day for 15 to 20 minutes each, the group goes from house to house creating an auction like affect and get to you stay home and see the show.

7)Visual Tours & Photos By using visual tours and multiple photos your agent will get your home placed higher on websites like Realtor.com. Almost 80% of home buyers start their search on the internet it is best for you to be at the top of the list. You can also email your home to friends, neighbors, co-workers, hand-out C/Ds at open house tours. Your agent will also send these out to the top agents in your area.

Agents with multiple approaches to the marketing of your home will work best for you. They are internet savvy have a team and support staff that can handle the various tasks involved with finding the right buyer for your home.

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People sell real estate notes to raise cash quickly. A real estate note is just the loan document created when you financed the sale of your house or investment property. It could be a mortgage note, or a land-contract or contract-for-sale. The point is that the buyer is making payments to you, and you want to cash in.

You can sell the entire contract, or just a certain number of payments if you want. The buyer of your property will have the same terms and payments. He’ll just be making those payments to somebody else.

Selling real estate notes can be an intimidating process. You know you won’t get the full face value for your note, but will there be other fees you have to pay too? How do you know if the buyer is reputable? What is a normal discount on a note? Here are some guidelines to follow:

1. No upfront fees. If they ask, go someplace else. You should be able to find many note buyers who will check your buyers credit and give you a quote without charging you.

2. No other fees, with a couple exceptions. The buyer has already figured his expenses before making the offer, so there are only a couple fees you should have to possibly pay. First, you may have to pay for the title policy, if there are problems with the title that prevent purchase. Second, if the property appraises at less than the sales price, you may have to pay for the appraisal. You should only pay exactly what these cost the note buyer though.

3. Be sure that the note buyer gives you a written purchase agreement with the purchase price and contingencies. Ask questions about anything that isn’t clear.

4. The note buyer should check the credit of your property buyer upfront. Unscrupulous buyers can quote one price initially, and then lower it later, using the excuse of the property buyer’s bad credit score. This is called “bait and switch,” and it isn’t ethical.

5. Contact several note buyers for quotes. You’ll need to provide information like the type of property, sale price, payment amounts, current balance, etc. They should respond within a day or two.

6. When you get a quote you like, you’ll have to send copies of the Mortgage or Deed of Trust, the Note, the closing or Settlement Statement, and the Title Policy. If there is no recent appraisal, they will usually arrange for that.

7. Processing time varies, so ask. Usually, once you agree to the offer and send the documents (if done by mail), you can expect to receive a certified check or electronic transfer to your account within two to three weeks.

Get Top Dollar When You Sell Real Estate Notes

Notes with a balloon payment get a higher price. “Seasoned” notes sell for more too. Those are notes that have had payments made on them for a while. Some note buyers will buy new or “unseasoned” notes, but if you can wait until six payments have been made, you’re likely to get a much better price.

Higher interest rates and shorter loan periods will get you more money too. This is something to consider before you sell the house, if you think you might sell the note in the future.

You can sell second mortgage notes, and other second-place real estate notes as well. Note buyers will look at these differently though. The first and second place notes can’t add up to much more than 70% of the value of the property, or you’ll be looking at a steep discount

Discounts, by the way, will almost always seem steep. It is common for note buyers to pay 20% to 30% less than the current balance on the note. I’ll let them explain why. Suffice it to say, they need to make money on the deal, and you should be sure you have a good use for that cash before you sell those real estate notes.

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Selling a home can be difficult. But by employing the right tactics, you can find a buyer who’s willing to pay the price you want.

Here are four tips to help you sell your home for top dollar:

* Create competition for the property. Create an environment where multiple buyers are competing to buy. Stack appointments to show the house in a narrow window so that several buyers are at the property at the same time. This strategy taps into a buyer’s fear of loss, the single greatest spark to get a buyer to buy now.

* List it with the very best agent in the area. Interview agents and choose one who has a record of selling homes for a high percentage of the listing price. You should interview at least three agents, ask for referrals and ask for proof of their ability to do what they say they can do. Get in writing what the agent will do to market the house. Be clear that if the agent doesn’t live up to his or her promises, you want the option of canceling the listing.

* Set the right scene in your house. Make sure the house is bright, clean and open. Get the temperature right, and make sure the house smells nice. The three most important views of the house are the view from the front curb at the front of the house, the view at the front door, and the view at the front entranceway when someone first walks into the house. The combination of these three views gives the prospective buyer his or her first impression of the house. Make sure it’s a good one.

To improve the front view, use flowers with color and ensure the front porch looks tidy. The door should be either freshly painted or brand new.

The kitchen and master bedroom deserve special attention. Simple things like new hand towels in the bathroom or fresh flowers in the kitchen go a long way.

* Spend money for the upgrades that buyers want most. Before you rush off to make repairs in the property or pay for expensive upgrades, tour five or more homes of similar value that are selling in your area. See what final touches are popular with actual buyers. For example, a Jacuzzi tub can be an important feature on homes in certain price ranges but can be a waste of money in others. The key is to ensure upgrades generate at least twice their cost in the home’s final selling price.

David Finkel is co-author of the Wall Street Journal best seller “Making Big Money Investing in Foreclosures Without Cash or Credit.” He also is a full-time real estate investor and the host of the nationally broadcast “Real Estate Radio.”

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