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Using margin debt or borrowing against brokerage accounts was back in vogue in 2013. According to the New York Stock Exchange, investors borrowed $384.4 billion against their investments in April 2013, eclipsing the previous all-time high set in June 2007.

When you borrow on margin, you are committing securities like stocks and bonds in your brokerage account to borrow from the brokerage firm. Generally, these borrowed funds can be used at the borrower’s discretion. For real estate investors, margin loans can be a very attractive alternative to traditional bank financing and other types of hard money financing.

Here are 5 advantages of using margin loans to finance your real estate transaction:

1: Quick access to funds

Margin accounts essentially work like a line of credit. Once you have set up the margin account with your brokerage, you can borrow the funds as needed. Many brokerage firms require that you keep 30 to 50 percent of the total market value of the securities in your margin account at all times.

2: Competitive interest rates and transaction costs

Margin accounts offer competitive interest rates compared to other short-term borrowing options and generally have little or no transaction costs associated with the use of funds. Note that margin loans often have a base rate + structure that is equivalent to a floating rate (for example: 5.5% base rate + 3.625%). The base rate is established by the brokerage with reference to commercially recognized interest rates. If interest rates rise, your loan costs could rise very quickly.

3. Cash for Acquisitions and Financing Gap

For professional real estate investors and flippers, using margin debt for cash deals can mean the difference between landing a property and missing out on a great opportunity. Cash is king in this market and offers with financing contingencies go to the end of the line. Margin debt is also great for Gap Financing. For example, an investor who has just purchased a multi-family investment property may want to finance rehabilitation costs with a traditional construction loan that could take 30-60 days to be approved. The investor could use the funds from her margin account to start work and then pay the principal and interest with the construction financing when the loan is approved.

4. Investment interest is tax deductible

The interest paid on margin loans is known as qualified investment interest if the funds are used for taxable investment purposes and not for your own personal reasons. Investing in income properties counts, but not using the funds to purchase a personal residence. Investment interest expense is used to offset your net taxable investment income.

5. No established payment schedule

For most margin loans, you can pay down the principal at your convenience. This is ideal for real estate investors who need to sell or refinance a property to repay the borrowed funds. You can also use the proceeds from the sale of securities or dividend payments from the securities to pay off the principal balance. Although the principal payment schedule is indefinite, monthly interest charges will accrue on your account.

Margin loans can open many doors and are a great alternative to traditional bank loans, especially for short-term real estate investments. There are risks associated with margin lending that you should be aware of. Margin accounts are available to investors who can tolerate the risk of fluctuating markets and have the ability to meet margin calls. The US Securities and Exchange Commission is a good resource for information on the risks associated with lending on margin.

Where divergent religious customs merge…

Daniel Pérez González was a beautiful baby. That was the way his parents, Flor and Jorge, believed; my wife Arlene and I agreed. However, few can share our certainty, because we were among the few who saw him alive. Daniel was born in a hospital in Oaxaca (wa-HAW-kah), a city of about 400,000 inhabitants high in the Sierra Madre mountain range of southern Mexico. I welcomed him into the world along with Arlene, our daughter Sarah, then 13, and Daniel’s grandmother, Chona. From the womb, the nurse passed our newest member of the extended family into three eagerly loving sets of arms: Chona’s, her older sister Carmela’s (Sarah’s closest friend in Oaxaca), and then Sarah.

We have a long and colorful history together, my Jewish family in my previous hometown of Toronto and my devout Catholic family in Oaxaca. Chona is our comadre and matriarch of her family. Not six months earlier, she and her grandchildren had yelled Mazel Tov at Sarah’s Bat Mitzvah in Toronto. Over the years, we’ve raised many glasses of mezcal (Oaxacan’s version of tequila) on notable birthdays, including Quince Años (the party where a girl turns fifteen, with similarities to the Bat Mitzvah); we have eaten matzoh together for Passover in Toronto; and we have hosted together many Christmas, New Years and Day of the Dead celebrations in Mexico.

But it was Daniel’s death that reinforced for me, through much laughter and much tears, the profound irrelevance of cultural differences to the universal rituals surrounding death.

On the day of his birth, it was easy to imagine that Daniel’s life would unfold like Sarah’s. Weighing in at 8 pounds and with a full head of black hair, the baby looked extremely healthy. Like my wife’s, Flor’s pregnancy had been full-term. Like Sara, Daniel was born by caesarean section; Like Sarah, his mother’s umbilical cord had wrapped around his neck, causing him temporary respiratory distress and the need to spend a few days in an incubator. But we don’t worry, his father and his cousin, both obstetricians with connections in the Oaxacan medical community. He would receive the best postnatal care available and one day we would dance at his wedding.
But then their ways parted. After two days of life, we mourn the death of little Daniel due to respiratory distress, next to his coffin in Chona’s room, with family, friends and compadres.

Between birth and death came a crazy quilt of unique experiences in Mexico that resonated with my memories of the grieving process my Canadian family went through when my father Sam died a few years earlier.

Most Oaxacans accept that death hits you at home, literally. Daniel left the hospital in an ornate, white satin-lined coffin, destined not for a funeral home, but for the living room of the family compound. Once he was seated at a table covered with clean tablecloths, with a large silver crucifix behind it, my compadre Javier and I were sent to the Mercado de Abastos (the largest peasant market in the state), to buy white gladioli and flower arrangements. . This was a far cry from the somber discussion about the formal arrangements at Toronto’s Steeles Memorial after my father’s death.

In this passionate and expressive country, even death rites are incomplete without the drama of screaming and accusations. At the cemetery I found out that Daniel was going to be buried in a low grave tomb on top of Tia Lolita (Aunt Lola), his great-great-aunt who had died in 1990, who was on top of another relative who had died in 1982. But when we met with the undertaker, the president, at lolita’s grave just hours after daniel’s death, we were informed that the annual dues had not been paid in ten years. Much shouting followed, but in the end, after a heated debate, the president managed to “extort”, as he was entitled to, thousands of pesos in back government taxes and administrative fees, plus about 1000 pesos in the likely event that Daniel would require a vault (literally, a vault, the reinforced concrete slabs with rebar designed to hold the occupants of the tomb in an orderly configuration). And we weren’t done yet. Only after Chona had produced enough historical documents to convince everyone that she had the authority to bury Daniel next to Lolita were the certificates and receipts issued.

Back at Chona’s house, the mourners had begun to arrive. A short time later, Jorge and I delivered 150 different cakes, which will be used to dip in the traditional hot chocolate that is served to those attending such gatherings. Then I experienced another deep emotion of déjà vu. The noticeably slower pace of Oaxaca’s morning society was gone. With an efficient office, Chona and his family transformed the house into a mourning chamber, arranging necessities like chair rentals and ordering attendees to the kitchen. There, under Chona’s roof, I time traveled to my mother’s kitchen, filled with friends and family I hadn’t seen in years, right after my father’s funeral. I could hear my mother’s friend Rayla arranging who would bring what meals to our house during shiva.

Then there were the inevitable tragicomic moments. When I delivered the eulogy for my father, I couldn’t resist telling a story about him that referenced a shared moment involving gas. In Mexico, the black humor of death is even more visceral. When Chona and I returned to the cemetery to make sure the burial preparations were underway, we found His Highness and his assistant half a foot below, on the top concrete slab of the vault, along with part of a human being. Chona was outraged and started yelling “that can’t be Aunt Lolita!”. We came up with many theories about the mysterious bone, all revolving around the amorous activities of the dead, none repeatable in this newspaper. That kept us going until we finally found Tía Lolita’s complete skull, still covered with the traditional fine cloth for the head to avoid mosquito bites. We finally came to the conclusion that a few years ago someone else had been buried next to Lola. Solved the mystery of the extra jaw. Here in southern Mexico, multiple burials can occur in the same grave, sometimes at different levels and sometimes with the removal of bones after several years of non-payment of fees. In any case, in exchange for a large tip, the presidente agreed to leave a place for Daniel’s cajita (little coffin, or literally, box) and hide Lolita’s head and any other remaining bones in a sack at one end of the the opening of the tomb. . The funeral would take place the next day, not unlike the dispatch with which Jews bury their dead, but very different from the traditional death custom of Oaxacan adults characterized by several days of prayer, visitation, and other rituals before of the burial, with a similar purpose. and function to the Jewish period of Shiva after the burial.

Later that night, back at the house, we listened to a cassette recording of nursery rhymes. Although in the Jewish tradition we are not allowed to play music during mourning, these melodies seemed appropriate. Arlene tenderly placed a small rattle next to Daniel, in accordance with local custom. A young woman led a 20 minute prayer, strikingly similar in nature to Kaddish in a Shiva home. Then she had more food — mole negro (chicken stew in a rich chili and chocolate sauce) with rolls, tortillas, and salsa — and more prayer. When the father was finally late, there was the obligatory humor about the clergy; someone joked that he had just turned up for a meal.

The next afternoon, we were putting up a bountiful display of flowers in the back of a pickup truck. Javier and I took the final pictures of the baby, and then Jorge placed his son in the back of a white 1980s pickup truck for his final trip.

The cemetery ritual combined the ongoing familiarity of my own Canadian experiences with Mexicana. A few gentle prayers, a few handfuls of dirt placed on top of the coffin, and incongruously our two friendly cemetery workers placed the concrete slab between the remaining parts of the vault lid, then mixed and applied cement to seal the vault. Reminiscent of Jewish custom, Chona asked Javier and me to help shovel the dirt, then invited everyone home for a big lunch.

There was no music in the house. Idle talk took its place. Eventually, once most of the people had left, leaving only the sterile white altar and slowly burning mourners’ candles, Arlene and I decided to go downtown for a walk, sad and emotionally drained but strangely comforting. After a funeral in Oaxaca for a Catholic baby, I felt exactly as I felt the first time I stepped outside after getting up from my father’s shiva.

One of America’s billionaires was recently asked the questions: “How do you do it? What is your number one secret to building wealth?” Without even one second Hesitantly, he replied, “Find out what people need most, and give it to them.”

Remember that statement. — give it to them.

there is literally hundreds of different ways of acquiring real estate. In future articles, I’ll share some of the many innovative techniques used in creative real estate financing. In this article, we are going to explore a very useful and profitable real estate financing creative technique commonly called Lease Purchase Options. For ease of explanation, we will refer to Lease Purchase Options as Lease Purchase.

What exactly is a lease purchase?

A lease purchase is a process in which a rental agreement is combined with a purchase or option agreement. Price, contract length, escrow instructions, rental credit, and other relevant terms are negotiated in advance. This allows the tenant/buyer to have a defined percentage or dollar amount to credit a down payment or discount off the full purchase price of the property when a payment is made.

First of all, you need to know what needs, wants and wants the “right” property will satisfy. It is obvious that those needs, desires and desires will be someone’s requirements. That someone is the investor. It is the investor who establishes the value of any property on the market according to his requirements.

A real estate investor always has only two considerations. Those two things are:

1. A return on investment or Profit. (also known as return on investment)

2. A return on investment or Security.

Remember that no matter what the circumstances surrounding an investment, these two considerations are always the same: some form of revenue (i.e. dollars, exchange of property or other goods and services, tax savings, personal use) and securityor a guarantee that the original investment will remain intact and can be recovered.

The lease purchase, (also known as a lease option), has all an investor needs to make a profitable investment in real estate. Using small 1-2% down payments, an investor can control properties that would normally require a 10-30% down payment, without having to see a lender or go through the loan application process.

There are three different ways a good business can make a profit.

1. Cash Up Front with Option Consideration

2. Monthly cash in the form of rent

3. Cash at closing or a note

Other options involve “delivering” the optioned property to a third party or simply acting as a consultant to the buyer and seller, retaining a portion of the option agreement. Controlling properties by creating a lease-purchase option is by far the best way to get involved in home control and get great cash flow, high profits and minimal risk. Lease-purchase can be the best way to create quick cash flow for the first-time homeowner or even the seasoned investor.

The key ingredients in putting together a profitable lease option are:

1. Find a motivated seller

2. Determine what your needs and wants are and create a win/win situation.

3. Find a tenant/buyer

Question: Where do I find a motivated seller? Good question.

Remember that the number one goal of a motivated seller is to get rid of your property. as soon as possible. A salesperson’s motivation can come from many different situations:

o Relocation – job transfers

o Financial difficulties

or Death/Divorce

o Tenant issues

o Change in family size

or build a new house

You need to determine what the salespeople’s motivation is once you contact them. Often a seller is facing financial difficulties and other times it’s just that he doesn’t want to be bothered with the property anymore because he now has other interests. Our first So the priority in talking to the individual initially is to determine Wants versus Needs. Most motivated salespeople fall into the need category. Your situation may not be negative. In the list above there are some items that are very positive for the seller. But it still remains, that this property is no longer needed for whatever reason(s).

You can find these offers:

o Looking for classified ads: “Homes for rent or lease” or “For sale by owner” ads. You can ask them if they would be interested in giving an option to buy your property if they rent it to them.

o Distribute flyers and/or advertisements that say, “I can buy or lease your home” or “I can buy or lease your home in 24 hours! Any size, any condition, any location. Call (your name) (000) 123-4567

o Post an ad in your local newspaper stating that you are looking to rent a home. You can ask if they would consider an option after the owner contacts you).

Question: Where do I find buyers of tenants?

Your tenant/buyer is someone who desperately You want your own home, but for one reason or another, getting bank financing is not going to work for you right now. They either have credit problems, don’t have the large down payment needed to qualify, or don’t have a high enough income. – You have the ability to give this person the opportunity to realize their dreams..

o Post an ad like this: “Rent to Own. If you can rent, you can own! Stop paying your landlord’s mortgage! You can rent to own your own home even with bad credit! Call (your name) (000) 123-4567

o Email occupants of neighboring apartment complexes asking if they are tired of renting and would like to own their own homes.

Some benefits of a lease option for the Investor are:

1. You now control someone else’s property. You are in a position to make money on property you don’t even own.

2. Provides a positive cash flow opportunity.

3. There are no closing costs.

4. A Lease/Option agreement is a one-sided contract – the seller must comply. You are not obligated in any way. If the value of the property depreciates or some other catastrophic event occurs, you can simply walk away.

5. You have no tax or insurance expenses.

6. You are buying the property tomorrow at today’s prices.

7. Little or no money is needed up front.

8. Very little management is needed. Renters/buyers take great pride in the property and therefore tend to maintain and even improve it. That’s because they have an interest in possess – not just rent it.

Is there a man alive who has not thought at least once to pack up and go to the South Seas? Well, this could be your chance, especially if you have around two million dollars to invest in a new business. The popular private resort, Shangri-La Beach Cottages on Muri Beach, Rarotonga, Cook Islands, South Pacific, is now for sale (February 2006), as the owner is considering retirement.

The Cook Islands are located in the heart of Polynesia in the South Pacific. They lie about 700 miles west of Tahiti and about 1,000 miles east of Samoa and Tonga. Hawaii is about 2,500 miles to the north, New Zealand about 1,800 miles to the southwest. The climate is tropical, similar to that of Hawaii and Tahiti. Tourism is a year-round industry. Rarotonga is the largest of the 15 Cooks Islands and the main administrative center.

The population of Cooks is about 15,000, of whom about 9,000 live on Rarotonga. The main island has banks, ATMs, and dozens of restaurants, shops, and markets. There is a modern telephone and international communications system with Internet access and email. They all speak English, which is the official language, along with Cook Islands Maori. It is a stable self-governing democracy in free association with New Zealand and a member of the British Commonwealth. The people are very friendly, with a vibrant local culture of dance, music and crafts. There is a low crime rate.

There is a large international airport that handles wide-body aircraft. There are around 17 flights a week, connecting Rarotonga with New Zealand, Los Angeles, Tahiti and Fiji. Later connections to Australia and Europe are timely. The main airline is the well-known Air New Zealand and Pacific Blue, the low-cost airline associated with Virgin Blue, which now serves the Cooks of Australia and New Zealand.

The number of visitors to the Cooks has increased from about 40,000 a decade ago to about 80,000 a year more recently. Projections show that it will reach about 100,000 in the next few years. From the 1970s to the late 1990s, the only way to market Cook Islands accommodation abroad was through “wholesalers” and travel agents. These intermediaries collectively take around 30-35% of what guests pay to stay in an accommodation. In recent years, the Internet and email have opened up new ways of marketing overseas accommodation and Shangri-La has been at the forefront of this more lucrative “direct booking only” system.

With its continued popularity ensured by rave reviews on Lonely Planet, Frommers, the South Pacific Handbook, and travel websites like Trip Advisor and Lonely Planet Thorn Tree, as well as word of mouth from its loyal guests, Shangri-La has been able to avoid the high cost of working through wholesalers and travel agencies. By only accepting direct bookings, they have kept their rates 35-50% below comparable properties and also have a higher net return per night. This has been one of the keys to their success as a going concern. Their goal has always been to provide luxury accommodation at a moderate price. It seems they are succeeding at this and as one former guest on the internet put it succinctly: “Shangri-La offers the best value for money on the island!”

Shangri-La is a small private resort occupying a prime section of seafront directly on beautiful Muri Beach, considered the best beach in Rarotonga. There are twelve luxury cabanas, a large swimming pool, an office and a luxury two-story beachfront home for the owner. Five of the cabins have a partial view of the lagoon and seven are garden cabins. This large property has 4544 square meters. m., about 1.12 acres.

Although there are resorts and accommodations all over Rarotonga, Muri Beach is considered the best vacation spot. There are four small islets in the crystal-clear lagoon and the best snorkeling on the island starts off Shangri-La. Several of the island’s best restaurants are within walking distance, as are shops, car rentals, the Internet cafe, the yacht club, and tours of the lagoon. All island tours stop at the Shangri-La entrance on the main road.

The Shangri-La is next to the best snorkeling area in Rarotonga and they have complimentary snorkeling gear for all guests. Kayaks are very popular with guests, as there are four islets within a few minutes’ paddling from us. There are sun loungers by the beach, under a large almond tree and a nearby beach shower. The entire property is completely fenced, except for the beach of course. The large parking area accommodates ten cars or six cars and eight motorcycles and is rarely completely full. There is space for a couple of rental cars and motorcycles if you want to rent vehicles for guests. The local bus also stops at the entrance of the entrance. Tropical plants abound on the property, including trees such as banana, papaya, mango, coconut palms, and breadfruit and flowers such as hibiscus, gardenia, jasmine, bougainvillea, and alamander. A large garden stands in front of all the cottages on the T-shaped property.

There are several local law firms that handle business matters and it is recommended that prospective buyers consider hiring a local law firm to assist them in the purchase of any local business.

No one associated with this article in any way has any connection to the owner of Shangri-La and/or its agents and the content herein is provided solely for informational and educational purposes for the general public.

For those of you looking for a great deal on your next trip, I’m about to show you some great, proven strategies for getting cheap airline tickets. There really is no need to pay full prices, despite what you may have previously believed.

travel at night

Let’s be honest here, who wants to travel at night when we should be asleep? I don’t, and I guess you don’t either! However, the airlines know this too, so of course they charge more for what they know will be the most popular flights (daytime flights). If you’re willing to fly at night, then the savings that can be made are really significant, often up to 40% less than the day rate!

ticket division

Although logic would dictate that one round trip fare would be cheaper than two singles, that’s not always the case! It is often cheaper to use one airline for your outward journey and a different one for your return journey, this is a great way to capitalize on different airlines’ ‘special offers’ on cheap airline tickets which are invariably one way only. and not return.

price comparison sites

Just enter your destination, your preferred departure airport and the dates you want to travel and almost instantly you will find several prices and options to choose from. My advice is to check a minimum of three different comparison sites to ensure you get the best possible deal.

airline employees

If you’re lucky enough to meet an airline employee, you really are in business! No one knows more about how to get the absolute best deals on cheap airline tickets than these guys and gals.

A few months (8 months) ago we wrote in this article about an encounter we had with a Russian lady who was our buyer, who bought a beach property in Larnaca against our advice (because of the high price) and turned against us. and she said that “You don’t know the value for us Russians who live 10 months of the year in the cold, what this village means…”. We thought, at that moment, “She must be very rich to say this, but what matters to us is to tell her otherwise”. After 8 months of this meeting we have other experiences to tell you, that after all, it seems that she may be absolutely right.

– 2 months ago a beach plot in Limassol was sold for £700,000 pd (20% building density), the highest price ever for a beach property in Cyprus (£25,000,000) when the going rate was from £500,000 pd The buyer contacted us and we said “you must be crazy” to buy this at this price. After 2 months, he called us back to say, “I’m not as crazy as you think, because now I have an offer of £1,000,000 pd.”

– Land on Dhekelia road with going rate £300,000 pd (max) 3 months ago, sold last month for £450,000 pd! (£3,600,000).

– Land in Paphos with no access and no water supply (purely speculative land) but situated within a development zone full of ancient monuments, on the beach was sold for £250,000 pd – Incredible price.

– Land in Mazotos not on the beach but close to the possible golf course sold for £250,000 pd (last year maxed out at £100,000 pd).

– Land in the Paralimni area on the beach is now selling (with numerous buyers) for £500,000 pd (last year £350,000 pd).

– The land at Alaminos 220 d was sold for £440,000 pd (£97,000,000) at a rate in effect last year of £250,000 pd

– Etcetera etcetera

Why do you think prices have skyrocketed at such an alarming rate and of course so high? We think mainly because the “Russians are buying” in increasing volume in terms of land/beach property.

As Russians get richer due to rising oil and gas prices, a new generation of much wealthier Russian buyers is emerging. The paranoia of Russians buying “us” is the talk of the town nowadays.

Beachfront apartments have averaged £3,000-6,000/m2 and beach houses £7,000-10,000/m2. Unbelievable as it may seem, a developer called us from the Paralimni area to tell us that he has 5 villas for sale at £600,000/unit (not a popular market in Russia). We sold all 5 in 10 days, 4 of which to locals and one to a British guy. This same project had 15 beach apartments with an average price of £3,500/m2, which was sold in 15 days to a buyer (??) for £4,500,000!! What is quite interesting is the current price of luxury houses in Limassol. The fee is now £7.0 million. for a house of around 800 m2. and in lands of around 2,000-3,000 m2. not on the beach. So that you do not think that it is an isolated situation, we had a client with an unlimited budget (so we declared it) and we were embarrassed to show him houses north of the beach (around 1 km) that were not worth more than €2,000. We did and he bought one immediately at the asking price of £3.5 million! Word has got out and anyone with a house to sell, be it a large plot of land and the size of the unit mentioned, wants a price of £7.0 million!

This could be thought to be a beach situation and for individual cases and why should we bother. But, on the other hand, such sales have a side effect on non-beach land. So in Limassol again we have prices off the coastal road at £400,000 pd and in the Protaras area £280,000 pd The land in Tersefanou near the possible golf course, which was for sale at £150,000 pd last year, now for sale at £250,000 ft (not on the golf course but close to it).

We, as we claim to be real estate experts, have lost track of what is happening and are no longer trying to predict. However, what worries us are the new strict financial measures introduced by the Central Bank that require a participation of 40% of the buyers in terms of a % of the total sale price or the valuation prepared by an independent appraiser (what be less). We expect this to affect the pace of demand and prices, but on the other hand people who buy at this high end and at those exorbitant prices, we doubt they will be affected. Recently an apartment building in Limassol, not on the beach but close to it, either top quality design (not built yet) is selling for £150,000 for a one bedroom apartment and 30% has already been sold! sold! It is possible that we have told you about a client of ours who owns a plot of 135 m2. beach house in Protaras that you bought for £170,000 4 years ago and had a local knocking on your door offering you £700,000 (not even a Russian). He asked us for advice and we said, do it, if you can find something similar to yours on the beach (he couldn’t). Imagine if this buyer was Russian. We feel like sometimes we live in the UK in Maple Arch or in Kolonaki in Athens. You have seen the movie “The Russians are Coming” but let’s add, with a lot of money!!

Mortgage companies are having trouble getting new customers, the causes are due to two factors. First, the financial institution is very demanding when it comes to approving loans. Another reason is that many people who have existing loans to pay off are unwilling to accept new offers. To stay competitive in the property financing business, you need a way to constantly communicate with new prospects. So this article is going to talk about getting home loan lead ideas.

There are actually several ways to get ideas about home loan leads. With a little imagination and a network of friends, you can generate leads for companies that offer mortgages. Here are some ways you can direct people looking for home loans to contact you.

1) Create a blog about mortgages – Although there are many blogs out there, having yours will give you credibility as someone who knows about mortgages. People who see this and agree with what you say will want to contact you. On the blog, you can put up a form where they can leave contact information in case they want to receive updates from you. This will be the first step in building your database.

2) Write an offer letter – If you know the bank or financial institution you are generating leads for, you can write an offer letter that is specific to what the particular bank offers. However, if you want to generate leads for more than one institution, then a generic letter defining what a mortgage is and what should be included in a mortgage contract should suffice. Write the letter and email it to your friends and family, let them forward it to their friends. Be sure to include your contact details and your blog site in the email so prospects can get in touch with you.

3) Actively participate in online forums – There are many forums online that people will visit when they need information on anything, including mortgages. Register on these forums and regularly provide information to those who are searching. However, do not advertise, as this will not increase your credibility. Once you’ve established your expertise in the field, people will start asking you questions on the forum. At this stage, you want to direct them to your blog site. By doing so, you’re creating more opportunities for prospects to view your signup form. You will increase the chances that they will leave your contacts to receive free updates from you.

Having established yourself as a home loan expert, people will want to contact you. This increase in new customer inquiries can help grow your business through more mortgage plan sales. It will certainly take some of the pressure off your upper management, especially if you are a mortgage executive.

If you have seen my Different Types of Bets article, you know that there are several types of bets to place on a racetrack.

We each have our favorite bets to place and some bets require a $1 minimum to place and other bets like the Daily Double and Pick 6 have a $2 minimum to place.

Let’s go over how we might talk to a cashier for the different types of bets.

To win, place, show:

These types of bets are generally placed with a minimum of $2. Some tracks allow you to bet $1 to win, place or show, but generally $2 is the starting bet.

Depending on which track you are betting on, that would be the track you would tell the cashier. For example:

Hi Teller – Santa Anita, Race 7, $2 to win in #4.

Hi Teller- Golden Gate, Carrera 5, $10 to show at #6.

Hi Teller-Keeneland, Race 9, $20 to place in #2.

There is a bet called Across The Board that covers the same amount to win, place and show. For example:

Hi Teller-Hawthorne, Race 3, $20 overall, on #5. This tells the cashier you want $20 to Win, $20 to Place, $20 to Show on horse #5. The total cost of this bet would be $60.

Exact:

The bet is based on $1. There are some tracks where $2 is the minimum for the exacto, but generally $1 is the starting point.

Hello, Teller-Aqueduct, Carrera 4, $1 exact, 1 with 2.

You are telling the cashier that for you to win this bet, #1 has to win and #2 has to finish second. The cost is $1.

Most people who bet exactas include more horses, so a more accurate exacta might look something like this:

Hello Teller-Santa Anita, Race 3, $1 exact 2, 3 with 2,3,4,5.

This bet is telling the teller that 2 or 3 must win and 2, 3, 4, 5 must come in second to cash this ticket. The total cost based on $1 would be $6 to make this bet.

Of course, if you want to bet more on the exacta, just increase your betting base.

Hello Teller-Santa Anita, Race 10, $5 exact, 7 with 4.11. The total cost would be $10.

There’s a bet called the exact box, where whatever number you call can end up in any order and you cash in the ticket.

For example, Hello, Cashier-Santa Anita, Carrera 5, $1 exact box 2.5. This means that if 2 wins the race and 5 comes second, you win the bet. You can also win the bet if 5 wins and 2 comes second.

It costs more to make a box, but it covers all the horses in the box.

Another example of a box bet.

Hello Teller- Santa Anita, Carrera 6, $1 exact box 7,9,10. This means that if two of the 3 horses in the field finish first and second, you win the bet. The cost of this bet would be $6 or broken down (7 with 9.10) and (9 with 7.10) and (10 with 7.9).

trifecta:

The bet is based on a minimum of $1.

Hi Teller-Keeneland, Race 2, $1 trifecta 10 with 2,3,7 with 1,2,3,7,10. You are telling the cashier that 10 has to win, 2,3,7 have to finish second, and 1,2,3,7,10 can finish third to collect the trifecta bet.

Or if you’re feeling very confident, you can say: Hi Teller-Belmont, race 6, $1 trifecta 2, 3, 7 in a row. This means that 2 must win, 3 must win second, and 7 must win third to collect the ticket.

And just like the exact box, you can also have trifecta boxes.

Hi, Teller- Santa Anita, Carrera 1, $1 trifecta box, 4,5,6,7. This means that if those horses finish one, two, three, in any order, you win the bet. The cost of a 4 horse trifecta box is $24.

I don’t use box bets very often, but I know a lot of players who do.

Your perfect:

Many tracks now offer a minimum bet of 0.10 cents, which means that if you win the payout is 1/10th of what it would be for a dollar. So specify your bet in 0.10 cent increments. And there are still some tracks that only offer this bet for a minimum of $1. Check your local track for more information.

Hello Cashier-Santa Anita, Carrera 7.40 super cent, 3 with 4,5,6 with 4,5,6 with 1,2,4,5,6,7.

I hope you see that betting with the cashier is not very difficult, once you learn the basics.

I recently looked up the definition of “job interview” online and this is what I found:

Dictionary.com said “an interview to determine whether an applicant is suitable for a job”;

Wikipedia defined it as “a process in which an employer evaluates a potential employee for possible employment with their company, organization, or firm. During this process, the employer hopes to determine whether the applicant is a good fit for the job.”

Several other sources reaffirmed the notion that interviews are for evaluating candidates, suggesting that control of the process rests solely with the hiring company. However, this is not really the case, as it is an opportunity for candidates to assess the suitability of the position on offer. When job applicants go into every interview with the mindset that their only responsibility is to prove themselves to the employer, they set themselves up for failure.

If you’re interviewing this summer for internships or graduate positions, make sure you’re candid in your questions so the interview flows more like a natural conversation than an exam. If you get to the end of an interview and are asked “Do you have any questions for me?” then you’ve left your career too late to figure out the intricacies of the role. Most people would use this as an opportunity to learn more about the qualities a successful candidate should possess and other necessary details of the position. However, if you find out the answers to such questions earlier in the interview, you can tailor your answers to suit the requirements. Why wait until the end?

An interview should be a two-way street and thrive on compromise. In fact, any gathering of people in any context is only successful when all parties are actively communicating. Have you ever been on a date where the other person just nods and listens to what you say with nothing interesting to add to the conversation? Perhaps you could have taught a creative writing course to elementary school students who never contributed to the discussion. An interview is a similar situation, and asking questions at all times not only shows great interest in the position, but also demonstrates your interpersonal skills.

Here is a list of some questions you may want to consider asking in your interview. Try to pass them too; avoid placing them randomly where inappropriate:

• What are some of the challenges associated with this position?
• How would you describe the ideal candidate for this position? What qualities should they possess?
• How do you evaluate if I am doing a good job? Are there any specific evaluation metrics?
• What is the possible career progression for this position within your company?
• How would you describe the organizational culture?

I think it’s beneficial to ask the right questions that also elicit a personal response from the hiring manager. It shows that he is interested not only in the job on offer, but also in the people behind the company and its bigger picture. Here’s an example:

• What do you enjoy most about working for this company? (At my previous company, everyone on the interview panel was shocked when one of the candidates asked them this. I remember we went around the room and answered one by one, and it seemed obvious that we were all on the same page. Later we offered a position to said candidate and was not convinced by the work itself, but by the people with whom he was going to work).
• If you could change one thing about the company, what would it be? (Some might think this is controversial [perhaps more so in Asia], but I think it’s relevant and shows that you have the balls to ask what most everyone else is afraid of. After all, there are aspects of any job you won’t like: the Pope would probably hate responding to criticism of the Catholic Church in the media, Michael Phelps would probably wish he was sleeping in bed instead of lapses on many occasions, and I, as a founder of a new company, hate doing administrative tasks. However, these things just have to be done!

If the interview has progressed successfully on the basis of healthy dialogue, then it should culminate with the interviewer asking “So you have OTHER questions for me?” This is a timely opportunity to ask some closing questions if they have not been answered previously:

• Based on the recruitment process so far, do I have the necessary skills to excel in this role?
• Are there any qualities that you feel I need to improve in order to be successful in this role?
• Is there anything else you would like to know about me to assess my suitability for this role?
• What is the process that follows? When will the candidates be notified of the result?

There are so many other smart questions that candidates can ask in interviews that creating a definitive list would be impossible. The crux of the questions should be to answer in a way that illustrates that you are the best person for the job.

If you found these tips, feel free to share them with friends and others in your network who are looking for work.