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About the author
From a family of educators, Rosey Conway has a sales training and management career that
has spanned over 2 decades. Rosey has trained thousands of sales people and has helped ... approached a task, or the way we was handled it, over what was actually achieved.
Have a read of some endorsements, recommendations and testimonials that are given on
LinkedIn - the vast majority ... that a negative critical
mass / breaking point will eventually occur, and probably negatively impact important areas
in your life. Life is about balance and having asuccessful attitude means...
... chúng ta đặt ch a kh a xuống
trong khi đang nghĩ đến chuyện khác. Chúng ta đang v a tự hỏi xem phải
mang theo thứ gì v a triền miên suy nghĩ về điều đang băn khoăn.
Chúng ta đã để ch a kh a trên ... thoại reo vang. Michelle đi nghe điện thoại.
Cô bắt đầu độc thoại về anh trai c a mình một cách say s a. Anh ấy v a
đi
công tác về và đi quên mua cho cô ấy chiếc máy fax như đã h a. Không
để
... nhóm
có cùng đặc điểm như sau:
Sản phẩm làm từ s a: s a, s a chua, bơ (ba sản phẩm).
Rau quả: cà chua, ớt, cà rốt (ba sản phẩm).
Thịt: bánh hamburger, lườn gà (hai sản phẩm).
Một đồng nghiệp...
... parts are the bags from individual of- fices.
In my first garbage heist, one banker was Japanese - he was throwing out a
Japanese newspaper and a Japanese candy wrapper in addition to his bank-related ... popular image of the hacker is that ofa
pirate. Oceanographic and piracy metaphors are equally as common in cyberculture
as ones about lawless frontiers and modem-totin' cowboys and cowgirls. ... bin behind a bank.
Bank bags, by the way, are stapled shut with a paper receipt that tells the name of
the bank, and the time and date of disposal of the bag. The trash within is of two
types....
... 8
FINANCING SECRETSOFA MILLIONAIRE REAL ESTATE INVESTOR
Appraisals on income properties are done in a variety of ways,
one of which is the “income” approach. The
income approach
looks
at the ... Sales of comparable
properties are the general benchmark for value. Appraisers look not
just at housing sale prices of comparable houses, but also at the
financing associated with the sales of these ... learned an important les-
son a little knowledge can be dangerous. I decided then to become a
master at real estate finance.
Financing has traditionally been, and will always be, an integral
part...
... over
(
known as “funding” a loan
)
. Note that many lend-
ers will give “preapproval” ofa loan. Preapproval
is really a half-baked commitment. Until a loan is
approved in writing, the bank has no legal ... consumers assume that “mortgage companies” are banks
that lend their own money. In fact, a company that you deal with may
be either a mortgage banker or a mortgage broker.
A
mortgage banker
is a direct ... 16
FINANCING SECRETSOFA MILLIONAIRE REAL ESTATE INVESTOR
In addition, the county, city, and/or state may assess a transfer tax
based on either the value of the property or the mortgage amount.
A...
... in-
come approach.
Market data approach.
The market data approach is the most
commonly used formula for single-family homes, condominiums, and
small apartments. Basically, a licensed appraiser ... a high LTV and/or negative
cash flow on the property and housing prices fall,
you are in for a world of financial hurt.
58
FINANCING SECRETSOFA MILLIONAIRE REAL ESTATE INVESTOR
basically a ... purchase price is inflated. The lenders are
acting mostly out of irrational fear because ofa recent barrage of real
estate scams reported in the newspapers.
Property flipping scams.
There has...
... your cash. You can also take advan-
tage of favorable interest rates because an owner-occupied loan is
likely to have a lower interest rate than if you originated an investor
loan. You can also ... $70,000 loan.
Assumable Mortgages
Some mortgages are assumable, that is, they can be taken over by
a new borrower. Many people are familiar with the concept of an
assumable mortgage, but few really ... the
property a little below market price and sold it a little above market
price. A new owner-carry loan at a higher interest rate was created
that wrapped around the existing loan.
In a wrap transaction,...
... loan within 5 days of sale
Alaska Deed of Trust Power of Sale None Borrower can reinstate loan up to date of sale so long as a
notice of defaulted has not been filed more than 2x in the past ... past
Arizona Mortgage Judicial None
Arkansas Deed of Trust Power of Sale Within one year
California Deed of Trust Power of Sale None
Colorado Deed of Trust Power of Sale 75 days Borrower can ... Mortgage Judicial None
North Carolina Deed of Trust Power of Sale None
North Dakota
Mortgage Judicial One year
Ohio Mortgage Judicial Only up to the date of confirmation of sale
Oklahoma...
... SAMPLE FORMS
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APPENDIX C
SAMPLE FORMS
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SAMPLE FORMS
165
SAMPLE FORMS
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172
APPENDIX C
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APPENDIX C
162
APPENDIX C
164
APPENDIX C
170
APPENDIX C
160
APPENDIX C
SAMPLE FORMS
159
174
APPENDIX ... C
160
APPENDIX C
SAMPLE FORMS
159
174
APPENDIX C
SAMPLE FORMS
169
168
APPENDIX C
SAMPLE FORMS
167
SAMPLE FORMS
173
SAMPLE FORMS
171
SAMPLE FORMS
177
178
APPENDIX C
...
... for a portion of the rent to be
186
GLOSSARY
unsecured loan
A loan without collateral. A credit card is an example ofa
loan without collateral. Also known as a “signature” loan.
VA loan
A ... seller makes a guarantee or
warranty that title is marketable and will defend all claims against it.
wraparound mortgage
A mortgage that is subordinate to and
incorporates the terms of an underlying ...
arrears
Payment made after it is due or is in arrears. Interest is said to be
paid in arrears because it is paid to the date of payment rather than in
advance.
assignment of contract
A process...
... king. A well-designed suit can
make a man look successful, sophisticated, and chic. A pinstripe,
a favorite of lawyers and investment bankers, can make a small
man look tall or a chunky man look ...
jewelry are taste and balance. If you work for a conservative
company, the classic pearl necklace is a safe choice, or you can
wear a larger pearl bead if you want to look more contemporary.
Also ... result of having had one too many; how-
ever, they still don’t enhance a professional image in most cases.
Here’s the deal: If you are a corporate attorney who must have
a tattoo, get it someplace...
... later became the CEO ofa major
corporation that I wanted to have as a client.
What I should have done, had I been a more mature busi-
nesswoman, was to tell him that I was disappointed that he ... immobile, and being able to smile is far more important that
having a creaseless face.
The goal of any cosmetic procedure is a moderate and natu-
ral enhancement. So you might want to opt for a simple ... excess baggage or Fraxel laser treatments that smooth
out the skin gradually over a period of several months. Breast
enhancements are fine as long as they are not overdone (think
Pamela Anderson),...
... participants included Caucasians,
African-Americans, Latinos, and Asians between the ages of
20 and 60. As expected, clothes and face topped the list, but
I was surprised (and secretly pleased) ... I’m having a senior moment,” if applicable, or, “Sorry, I
got so excited about what I was saying, I lost my place.” My pref-
erence is to take a deep breath and start again to avoid a break in ... handwritten or an e-mail.
16. False. It is rude to text or speak on a cell phone when you
are at a restaurant, especially if you have dining companions. If
you must be reachable in case of an...
... Be careful not to say “axe” instead of
“ask,” “wif” instead of “with,” “tree” instead of “three,” “ath-
a- lete” instead of “athlete,” or “talkin’” instead of “talking.”
Speak clearly and say ... Thing
Nasal talkers.
Y
Studies have shown that most people are
annoyed by those who have a nasal quality to their voices and
sound as if they have a perpetual cold. Nasal speakers come off as ... I speak.
8. I have no trouble saying what I mean.
9. I am persuasive.
10. I have a good vocabulary.
11. I am a good negotiator.
12. I usually get a fair deal.
13. I enjoy friendly “haggling.”
...
... Either way, you are
ready for a fight.
The 10 Percent Rule
I learned about the 10 percent rule when I was a real estate
agent. It was said that agents lose a certain percentage of sales,
no matter ... afraid of having a firm (not bone-crushing) hand-
shake, especially with male colleagues. (See “What Your Hand-
shake Says About You,” later in this chapter.)
16. True. The ability to make small ...
made contact, you are displaying your fears of abandon-
ment. Shake a few times, and then break.
Too many rings.
Y
Be careful not to wear too many large
rings when you are shaking hands (not...