Will You Add? - Real Estate

Idea Marketing
Though it is not the only thing, idea marketing is one of the most important things that govern the success of any business (be it a small home based business or a big business). Of course, the quality of your products/services will be the main thing driving the growth of your business. Idea marketing can be done in a number of ways. What your idea marketing techniques you apply will be dependent on the type of business you run and your idea marketing budget.Online idea marketingOnline idea marketing is one of the cheapest ways of Idea marketing. By online idea marketing we mean publicity of your products and services on the internet. With millions of people logged on to the internet all the time, internet is also one of the best and most logical ways of Idea marketing. On top of that, Idea marketing on the internet is also lot easier than offline Idea marketing. There are a number of ways in which you can do Idea marketing on the internet. The first step, of course, is to set-up a website for your business. Again, based on what kind

d fees. Some are based on the size of the assets, some are based on the services you need.

There are 3 kinds of self-directed IRA companies. You need to know this to understand how they operate.

1. Custodian: this company holds the assets on your behalf and executes your instructions. It is normally a bank or entity approved by the IRS to hold the self-directed IRA assets.

2. Trustee: this company just holds the self-directed IRA assets. It’s normally a bank.

3. Administrator: this company just does the paper work. It normally works with a trustee or a division of a bank.

What are some prohibited transactions or restrictions of a self-directed IRA?

1. You are not permitted to buy or sell a property between your IRA account and yourself, or your spouse, or your direct ascendants or descendant.

2. An IRA owner is not permitted to commingle self-directed IRA funds with his personal funds.

Financing for Properties with

Marketing Using Minisites
When it comes to making money online, there are a wide variety of web sites with different graphics and copy with some being very detailed and some not. The important thing is that both generate cash. If you have a home based internet business and are interested in marketing and selling your product, but don’t have a lot of money to invest in a fancy, professionally created Web site, then you should consider setting up minisites for your various products.If you don’t know anything about website creation, this might sound a little intimidating to you. However, there really is nothing to worry about because setting up a minisite to market and sell your product does not require a lot of web page knowledge or experience and best of all it will not cost you very much.First you will want to find a company to host your minisite. There are many companies online to choose from, so the best thing to do is search for ones that support the kind of web page you want and are within your budget. Then you can read reviews on them and find out which

Sunny Doe has been working as an Engineer in the Bay Area for more than 15 years. Over the years, he contributed to his company’s 401K plan and has accumulated over $350K in his IRA rollover account. While it is very convenient to invest in stocks market, he noticed that the returns on the mutual funds in his IRA account are underperforming. As he grows older, Sunny faces the reality that his gray hair is not his asset but rather his liability in the high-tech field. He is also concerned about the volatility of the stock market. On a day the market is doing well, Sunny enjoys checking the balance of his account several times. On a bad day, he convinces himself that tomorrow will be a better day. The recent scandals about backdating stock options, restating financial results and Enron also shook his confidence in public corporations.
After learning that he can use money from a self-directed IRA to invest in real estate, he is motivated as he has been successful in real estate investment where he has more comfort and control. Learning that 44% of net worth per capita in the US is in real estate, he knows he is in the right direction. As he researches more, he learns he can use money from a self-directed IRA account as a down payment. But the IRS precludes any personal guarantee for the loan. This guarantee is a major restriction because all residential lenders require it. Non-recourse commercial loans in which the property itself is the only collateral do not require this personal guarantee. However, the lenders require borrowers to sign carve-outs guarantee to cover losses due to fraud or environmental contamination. This carve-outs guarantee is a gray area as no one knows for sure if the IRS considers it a kind of personal guarantee. So it is best to avoid signing this “carve-outs” guarantee if possible. In addition, most non-recourse commercial lenders are not familiar with loaning money to a self-directed IRA account with no social security number or federal tax ID as the borrowing entity. So they are somewhat hesitant in lending money especially when the self-directed IRA account is the only borrowing entity of the property. The so-called self-directed IRA and hard-money lenders that do not require the personal and carve-outs guarantees literally charge an arm and a leg, e.g. 8% to 12% interest for the loan. So, getting financing at a low rate seems to be the trickiest part. Having lived in the US of A for a long time, he knows: if there is a demand, then there must be a supply somewhere.
What is a self-directed IRA?
In 1974, Congress enacted The Employee Retirement Income Security Act (ERISA) which established IRA’s to give us the freedom to make our own Individual Retirement Arrangement or IRA. ERISA allows you to open an IRA account and control the investment of your money. It did not state that you have to invest in stocks, bonds, or mutual funds. Most IRA companies choose to focus on stocks and mutual funds because it makes good business sense for them. It’s kind of like if you go to McDonald’s, you won’t be able to get Sushi. So if you want to have more investment choices besides stocks and mutual funds, you have to use a service of a self-directed IRA company. Once you open a self-directed IRA account, you can use the money to invest in stocks, bonds, mutual funds, real estate, mortgage notes, businesses, precious metals and other assets.
Self-directed IRA Companies:
Below are some of the companies that offer self-directed IRA accounts. They are listed in alphabetical order. The authors do not endorse any companies.
1. Equity Trust Company, (440) 323-5491, www.trustetc.com.
2. IRA Services, (650) 593-2221, www.iraservices.com.
3. Pensco Trust, (866) 818-4472, www.penscotrust.com.
When you contact these companies for information about their fees, they normally provide a service menu and associated fees. Some are based on the size of the assets, some are based on the services you need.
There are 3 kinds of self-directed IRA companies. You need to know this to understand how they operate.
1. Custodian: this company holds the assets on your behalf and executes your instructions. It is normally a bank or entity approved by the IRS to hold the self-directed IRA assets.
2. Trustee: this company just holds the self-directed IRA assets. It’s normally a bank.
3. Administrator: this company just does the paper work. It normally works with a trustee or a division of a bank.
What are some prohibited transactions or restrictions of a self-directed IRA?
1. You are not permitted to buy or sell a property between your IRA account and yourself, or your spouse, or your direct ascendants or descendant.
2. An IRA owner is not permitted to commingle self-directed IRA funds with his personal funds.
Financing for Properties with s
6 Easy Steps to Finding the Perfect Networking Group
These 6 simple questions will help you to identify an ideal networking group.It has been said that 80% of business today comes from referrals. People want to do business with people they know, like, trust and respect. One of the best places to develop strong referral relationships is at a networking group. These groups typically meet once a week, with the same core group of people in attendance. Here are the top 6 ways of selecting a group that is right for you:1.Talk to the members All networking groups allow you to visit as a guest before asking you to decide joining them. Spend time talking to as many of the existing members as possible to learn about how it’s worked for them. You might want to know more about the turnover rate of members. What results are being produced? What do they like/dislike about the group? What have they learned since joining? How, besides receiving leads, have they benefited? Do they feel their best interests are being looked after?2. Consider the fees How do the fees compare with tra
al estate investment where he has more comfort and control. Learning that 44% of net worth per capita in the US is in real estate, he knows he is in the right direction. As he researches more, he learns he can use money from a self-directed IRA account as a down payment. But the IRS precludes any personal guarantee for the loan. This guarantee is a major restriction because all residential lenders require it. Non-recourse commercial loans in which the property itself is the only collateral do not require this personal guarantee. However, the lenders require borrowers to sign carve-outs guarantee to cover losses due to fraud or environmental contamination. This carve-outs guarantee is a gray area as no one knows for sure if the IRS considers it a kind of personal guarantee. So it is best to avoid signing this “carve-outs” guarantee if possible. In addition, most non-recourse commercial lenders are not familiar with loaning money to a self-directed IRA account with no social security number or federal tax ID as the borrowing entity. So they are somewhat hesitant in lending money especially when the self-directed IRA account is the only borrowing entity of the property. The so-called self-directed IRA and hard-money lenders that do not require the personal and carve-outs guarantees literally charge an arm and a leg, e.g. 8% to 12% interest for the loan. So, getting financing at a low rate seems to be the trickiest part. Having lived in the US of A for a long time, he knows: if there is a demand, then there must be a supply somewhere.
What is a self-directed IRA?
In 1974, Congress enacted The Employee Retirement Income Security Act (ERISA) which established IRA’s to give us the freedom to make our own Individual Retirement Arrangement or IRA. ERISA allows you to open an IRA account and control the investment of your money. It did not state that you have to invest in stocks, bonds, or mutual funds. Most IRA companies choose to focus on stocks and mutual funds because it makes good business sense for them. It’s kind of like if you go to McDonald’s, you won’t be able to get Sushi. So if you want to have more investment choices besides stocks and mutual funds, you have to use a service of a self-directed IRA company. Once you open a self-directed IRA account, you can use the money to invest in stocks, bonds, mutual funds, real estate, mortgage notes, businesses, precious metals and other assets.
Self-directed IRA Companies:
Below are some of the companies that offer self-directed IRA accounts. They are listed in alphabetical order. The authors do not endorse any companies.
1. Equity Trust Company, (440) 323-5491, www.trustetc.com.
2. IRA Services, (650) 593-2221, www.iraservices.com.
3. Pensco Trust, (866) 818-4472, www.penscotrust.com.
When you contact these companies for information about their fees, they normally provide a service menu and associated fees. Some are based on the size of the assets, some are based on the services you need.
There are 3 kinds of self-directed IRA companies. You need to know this to understand how they operate.
1. Custodian: this company holds the assets on your behalf and executes your instructions. It is normally a bank or entity approved by the IRS to hold the self-directed IRA assets.
2. Trustee: this company just holds the self-directed IRA assets. It’s normally a bank.
3. Administrator: this company just does the paper work. It normally works with a trustee or a division of a bank.
What are some prohibited transactions or restrictions of a self-directed IRA?
1. You are not permitted to buy or sell a property between your IRA account and yourself, or your spouse, or your direct ascendants or descendant.
2. An IRA owner is not permitted to commingle self-directed IRA funds with his personal funds.
Financing for Properties with
Important Qualities of A Web Copywriter
There are probably thousands of articles on the Internet that tackles the same topic as your website or blog. In order to get the attention of Internet users, which are not only fickle minded but also have short attention span, you need the help of a prolific web copywriter. You need someone who knows how to attract the attention of possible customers and probably help in getting things get sold.However, finding a good copywriter on the Internet is as difficult as finding a needle in a haystack partly because there are over thousands of aspiring web copywriters from all over the world. Furthermore, most of the cyber writers out there are neophytes in the business and are inexperienced in writing for the web.In order to find the ideal web copywriter, you need to know exactly what you are looking for. You must have an idea of the qualities and traits of an effective web copywriter. The following are essential characteristics that a web copywriter should possess:Voracious readerWeb copywriters need to write about topics ra
ocial security number or federal tax ID as the borrowing entity. So they are somewhat hesitant in lending money especially when the self-directed IRA account is the only borrowing entity of the property. The so-called self-directed IRA and hard-money lenders that do not require the personal and carve-outs guarantees literally charge an arm and a leg, e.g. 8% to 12% interest for the loan. So, getting financing at a low rate seems to be the trickiest part. Having lived in the US of A for a long time, he knows: if there is a demand, then there must be a supply somewhere.
What is a self-directed IRA?
In 1974, Congress enacted The Employee Retirement Income Security Act (ERISA) which established IRA’s to give us the freedom to make our own Individual Retirement Arrangement or IRA. ERISA allows you to open an IRA account and control the investment of your money. It did not state that you have to invest in stocks, bonds, or mutual funds. Most IRA companies choose to focus on stocks and mutual funds because it makes good business sense for them. It’s kind of like if you go to McDonald’s, you won’t be able to get Sushi. So if you want to have more investment choices besides stocks and mutual funds, you have to use a service of a self-directed IRA company. Once you open a self-directed IRA account, you can use the money to invest in stocks, bonds, mutual funds, real estate, mortgage notes, businesses, precious metals and other assets.
Self-directed IRA Companies:
Below are some of the companies that offer self-directed IRA accounts. They are listed in alphabetical order. The authors do not endorse any companies.
1. Equity Trust Company, (440) 323-5491, www.trustetc.com.
2. IRA Services, (650) 593-2221, www.iraservices.com.
3. Pensco Trust, (866) 818-4472, www.penscotrust.com.
When you contact these companies for information about their fees, they normally provide a service menu and associated fees. Some are based on the size of the assets, some are based on the services you need.
There are 3 kinds of self-directed IRA companies. You need to know this to understand how they operate.
1. Custodian: this company holds the assets on your behalf and executes your instructions. It is normally a bank or entity approved by the IRS to hold the self-directed IRA assets.
2. Trustee: this company just holds the self-directed IRA assets. It’s normally a bank.
3. Administrator: this company just does the paper work. It normally works with a trustee or a division of a bank.
What are some prohibited transactions or restrictions of a self-directed IRA?
1. You are not permitted to buy or sell a property between your IRA account and yourself, or your spouse, or your direct ascendants or descendant.
2. An IRA owner is not permitted to commingle self-directed IRA funds with his personal funds.
Financing for Properties with
Not So Secret Adsense Basics
Despite what all the Adsense gurus will tell you, there is no huge secret to using Adsense. What all the ebooks and services tell you is exactly what you can find out from Google Adsense themselves or from doing some research on the Internet.If you are new or relatively new to Google Adsense you might want to take into consideration the following basic tips:1) Blending... The best way to get anything out of Adsense is to blend the ads within your website. Make them look like they are a part of your site. Use the same color of your site links for your Adsense ad links.2) Placement... Google had given you an outline of what areas within a web page perform better as apposed to other areas. Use this as a guideline to placing ads within your own web pages. The trick is to experiment with different areas and see which areas perform better on your website. Remember no two websites are created equal, so what might work on someone else’s website might not work on yours.3) Ad Limit… Google allows you up to 3 ad units and one link
e to focus on stocks and mutual funds because it makes good business sense for them. It’s kind of like if you go to McDonald’s, you won’t be able to get Sushi. So if you want to have more investment choices besides stocks and mutual funds, you have to use a service of a self-directed IRA company. Once you open a self-directed IRA account, you can use the money to invest in stocks, bonds, mutual funds, real estate, mortgage notes, businesses, precious metals and other assets.
Self-directed IRA Companies:
Below are some of the companies that offer self-directed IRA accounts. They are listed in alphabetical order. The authors do not endorse any companies.
1. Equity Trust Company, (440) 323-5491, www.trustetc.com.
2. IRA Services, (650) 593-2221, www.iraservices.com.
3. Pensco Trust, (866) 818-4472, www.penscotrust.com.
When you contact these companies for information about their fees, they normally provide a service menu and associated fees. Some are based on the size of the assets, some are based on the services you need.
There are 3 kinds of self-directed IRA companies. You need to know this to understand how they operate.
1. Custodian: this company holds the assets on your behalf and executes your instructions. It is normally a bank or entity approved by the IRS to hold the self-directed IRA assets.
2. Trustee: this company just holds the self-directed IRA assets. It’s normally a bank.
3. Administrator: this company just does the paper work. It normally works with a trustee or a division of a bank.
What are some prohibited transactions or restrictions of a self-directed IRA?
1. You are not permitted to buy or sell a property between your IRA account and yourself, or your spouse, or your direct ascendants or descendant.
2. An IRA owner is not permitted to commingle self-directed IRA funds with his personal funds.
Financing for Properties with
Improve Your Direct Mail Success Rate With Our 6 Top Tips
A mailing list of valued customers is probably one of the most valuable assets your business could own. The fact of the matter is that a loyal customer will typically spend 5 times more in your business than a new customer. So how do you start to build a list of loyal customers for your business?One of the most effective ways of building your customer list is to use direct mail. It is the ideal tool for testing a new market; announcing a new product or changes to an existing one because of the huge numbers of people you can reach with one mailing campaign.But running a successful direct mail campaign is not as simple as purchasing any mailing list, writing a mail shot, and sending it. To be successful, your mailing campaign needs careful planning.These are our six tips to planning a successful direct mail marketing campaign.Tip 1: Identify your “perfect” customer The first step in any direct mail campaign is to look at your existing customer base and identify a profile for your “perfect customer”. You
d fees. Some are based on the size of the assets, some are based on the services you need.
There are 3 kinds of self-directed IRA companies. You need to know this to understand how they operate.
1. Custodian: this company holds the assets on your behalf and executes your instructions. It is normally a bank or entity approved by the IRS to hold the self-directed IRA assets.
2. Trustee: this company just holds the self-directed IRA assets. It’s normally a bank.
3. Administrator: this company just does the paper work. It normally works with a trustee or a division of a bank.
What are some prohibited transactions or restrictions of a self-directed IRA?
1. You are not permitted to buy or sell a property between your IRA account and yourself, or your spouse, or your direct ascendants or descendant.
2. An IRA owner is not permitted to commingle self-directed IRA funds with his personal funds.
Financing for Properties with self-directed IRA Funds. Sunny has several financing options:
1. Buy in cash: this is the easiest and most straight-forward way to invest with fund from a self-directed IRA. However, this puts a major restriction on size of his investment properties. Besides, Sunny loves the idea of using someone else’s money to make money.
2. Get seller to finance: this may work out. However, most sellers prefer to get cash for their properties. The seller who agree to provide financing probably had a problem selling the property. And if so, there may be something wrong with the property.
3. Borrow money from a “self-directed IRA” or hard-money lender: these lenders charge very high interest rates, 8% to 12%. Sunny has a major problem with this kind of interest rate. The banks will end up keeping all of the profits!
4. Invest in syndicated properties: Sunny buys a commercial retail property together with other investors. All the co-owners apply for one non-recourse loan. As long as he owns less than 20-30% of the property (this limit is set by individual lender), the lender does not require him to sign any guarantee. This will satisfy the IRS restriction on personal guarantees. Sunny pays the lowest interest rate and can maximize leverage in the best properties. This is the best option for self-directed IRA investors as they co-own a better property at the lowest interest rate. Please refer to the article “What Investors Should Know about Real Estate Syndication” published by the same authors.
Income Tax: Assuming Sunny deposits 25% and borrows 75% of the money to buy the property then 25% of the income will be taxed deferred. This cash flow will go back to his self-directed IRA account. The other 75% of the income attributable to the debt is subject to income tax called Unrelated Business Income Tax or UBIT tax at the trust rate. All of the rental expenses and depreciation are deductible from income. In addition, the first $1,000 of income is exempt from UBIT tax. When the property is sold, the IRA may avoid UBIT and capital gains tax if the debt had been paid off by principal payment at least one year before the sale.
Title to the property: His self-directed IRA account, not Sunny Doe, must be on title to the property. For example if he has a self-directed IRA account with Pensco Trust, he must take title as “Pensco Trust FBO (For the Benefit Of) Sunny Doe’s IRA”.
The Happy Ending: The syndicator suggests Sunny to consider investing with 4 other non-IRA investors in a $7.9M, 2-year old, 30,900 SF, 12-tenant, and 100% NNN leased upscale shopping center in Lawrenceville, which is a fast growing and prosperous city in the suburb of Atlanta, Georgia. The property is located in front of a Walmart Supercenter; so, he knows it’s in a prime location. He also knows this shopping center is an ideal and safe property for his self-directed IRA due to its strong positive cash flow and long term leases compared to single-family residence. The property has a $6M non-recourse loan at a below market rate of 5.6% through 2016. So while the cap rate is respectable at 7.25%, the cash on cash return is over 9% because the interest rate is so low. After reviewing the brochure and financial information of the property, he signs the subscription agreement to move forward with the investment. Since Sunny owns less than 20% of the property, he does not have to sign any guarantees. And this satisfies the requirement from the IRS.

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Will You Add? - How to Use Self-directed IRA Funds as a Down Payment to Invest in Shopping Centers

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