The truth is, anybody can put a deal together. At it’s most basic, it’s a simple process of agreeing on terms and then spending a couple of quality hours making sure every i is dotted, and every t is crossed. There’s really not a lot of mystery to it…unless, of course, you’re looking to do it with no money down. Then it becomes something more than a mystery.
It becomes an art.
There is a variety of ways to accomplish the coveted No Money Down Deal. None are particularly tricky or unusually complicated. Where the art comes in is finding the additional parties required to make these deals work and, more importantly, discerning which No Money Down Technique will work best given the individual situation.
Creative, no money down deals were something of a necessity for me when I was starting my business. I had no money, so I had to figure out creative ways to put deals together using OPM…Other Peoples Money! What I found as my business grew was the techniques remained reasonably constant regardless of size when it came to putting my deals together; the key thing that changed was the number of zeros on the checks! As such, nearly all of my real estate assets have been acquired using one of my 5 Favorite No Money Down Techniques.

Owner Financing
Owner financing is when the current owner agrees to sell you their property and essentially acts as the bank for your transaction. In this scenario, the seller is selling you their property, and they are lending you the money to buy it with! This is one of the greatest techniques to use, especially if you are in a situation where you have absolutely no money, or if you have bad credit history and will have trouble qualifying for a loan.
Owner financing is not that uncommon when dealing with an owner that owns a property free and clear, this is sort of a win-win situation. For you, it’s a way to reach a financial agreement that does not entail putting money down. For the seller, it’s a way to, in the long run, possibly make more than the sale price off a given property.
I own a 17 acre parcel of prime land in Augusta that I bought with 100% owner financing. I found this property by looking on a map at areas I would be interested in buying land. From there I contacted the listed owner on the tax records. It turned out her father had bought the land 50 years ago. She had inherited it, and owned it free and clear, but was too old to do anything with it. Over the course of a few weeks of negotiation, I developed a relationship with the owner, who happened to be a real estate agent. I agreed to give her the exclusive right to sell anything I did with, or developed on the land, in turn, she carried 100% of the financing for me. It was a perfect win-win situation.

Two-Step Refinance
The secret here is getting your name on the title. Then, you can immediately refinance the property and work the deal with the difference between the appraised value and the actual purchase price.
Step One: Acquire the property with financing from any resource available; a bank loan, private money, credit card, owner financing, etc. The objective here is simply to get on title. If this process is approached correctly, this will be a very short term loan. Typically under 30 days. As such, it may be acceptable to look at a much higher interest rate than you normally would with long term financing.
Step Two: Refinance the property for 80% of Appraised Value. If the property is bought right, 80% of appraised value will cover all acquisition costs, repair costs, holding costs, and some front end profits.
This was the technique I used on my very first deal, before I even knew it was a technique. I found this approach entirely by accident. It was an accident however that was so profitable that I built the foundation of my single family business on this one technique. Not knowing any other direction to go with buying my first investment property, I began networking. I talked with everyone that would listen about my new deal, and my new business. Fairly quickly I was introduced to a small local lender who introduced me immediately to the mortgage arm of her bank. The mortgage lender pre-qualified me to refinance the property as soon as I owned it. With this commitment in place, the small local lender gave me a 100% loan to buy the property. Once I had bought the property and was on title, the mortgage lender began the underwriting process. In under 30 days, I had new financing in place that paid off my loan with the local branch, gave me all my rehab money, and put an additional $11,000 in my pocket at the closing!
In time, I learned there are a plethora of techniques to get on title without getting a bank loan for the first step. Over time, this has saved me thousands and thousands of dollars in loan fees.

Equity Investment Partner
This one is pretty straightforward. You find someone that has the down payment money for your deal and partner with them. They bring the money to the table, you bring the deal. It is again a win-win situation, for without you, the investor has no where to invest their money.
How you split the ownership interest is where the art, the creativity really comes into play. There are as many ways to structure a partnership as there are deals to structure partnerships around. For me, I began by following the KISS principle…Keep It Simple (Insert your favorite S-adjective)…I brought the deal to the table, my partners brought the money. We split everything right down the middle, 50/50. We split cash flow, equity growth, appreciation, everything.
In fact, I still structure some of my partnerships in exactly the same way. In January of 2006, I bought a 232 unit complex in Oklahoma City with 7 other partners. In this deal, I structured the ownership split in the same fashion as with some of my early single family house deals. I brought the deal together and retained 50% of the ownership. My cash investors then split the other 50% proportionately depending on their investment.
Another example of an ownership split; let’s say you find an investor willing to put down 20 percent as a down payment. In return, they get 20 percent of the cash flow from the property and, when and if sold, 20 percent of the profits.
Of course, as I mentioned there are literally thousands of options for structuring your equity partnerships. My recommendation is to start simple, then as you gain a greater understanding of how to put your deals together, get creative. Think outside the box and look for that angle that no one else can see on the deal to make maximum profits!
Private Money
Private Money Lenders have cash available from time to time to make collateral based loans. These individuals will typically be much cheaper than the hard money rates and their terms can be much softer as well. Many of these individuals will look to you for what you are willing to pay rather than telling you their requirements. It would not be unusual to get money at 8% to 12% with no points and no pre-payment penalty.
Don’t abuse these lenders! If you treat them right, you will have more money pushed at you than you can find good deal to place the money. More than a few investors have promised to pay the interest while the money sat in a bank account waiting for a new deal. This is extremely dangerous. When they didn’t find a deal, they used the loan principal to pay the interest. Even worse, the investor feeling the pressure to get the money working, purchased property where the deal was mediocre. Then there was no room for contingencies or mistakes. The investor may have gotten into a property where there was no profit or where there was no resell market. In any case, the investor and lender were stuck. Have any private lenders send their funds directly to the attorney or title company closing the deal. The private lender then gets the note and security instrument back properly executed and filed. This is the best way to protect you both in a business like manner that the lender will respect.
More people than you realize would like to dabble in the real estate market. Many, however, would like to start small. Here’s an idea that’s good for them and you. By borrowing a down payment from a friend, business acquaintance or relative, you can offer them the thrill of real estate investment – and an eight to twelve percent return on their money – and you are able to enter the deal with no money down. Here’s the best part. After a couple of successful deals, you may find that you no longer have to hunt for down payment investors. The quick and notable return on investments will soon have prospective financers coming to you.

Hard Money
Hard money lenders are referred to as such because they lend primarily on the hard asset values rather than the credit of the borrower. These lenders are sometimes referred to as collateral-based lenders as well. With a hard money lender you will not have to worry about your credit or how many other loans you have outstanding. Mind you, the money can be expensive. Hard money terms vary by private lender as well as by economic conditions. Today you will find most hard money from about 12% and 3 points up to the 15% and 5-10 points. In addition, there may have a “back end” fee to the lender when the loan is paid off referred to as a prepayment penalty.

Hard money loans can be ideal for borrowers in the following situations:
1. A property can be purchased at a bargain price if it can be closed quickly, requiring immediate financing.
2. To save a property from foreclosure.
3. Poor credit where traditional financing sources are reluctant to lend.
4. Environmental problems with the property where traditional financing sources don’t want to lend until the property is cleaned up.
5. Property is not up to standard (significant repairs, possibly high vacancies or does not have enough of a track record to satisfy permanent financing sources). Cash is needed to bring the property to the point where it can qualify for permanent financing.

One of my first mentors once told me you can expect to get either the price or the terms. This is a great alternative when the price is just not right. Often, a No Money Down Deal can be secured when a higher interest rate is offered. The thing to be wary of here is that if the deal doesn’t turn out to be the big winner you were looking for, you could find yourself saddled with those rates for some time.
It would be nice if finding private money for your real estate projects were as easy as going to a broker who would match you up with someone who wanted to lend their personal funds. Well, it is not that easy. One of the core differences a successful real estate investor and those that are not successful is persistently taking action. It is just as true here. Finding the money for your first few projects will be one of the hardest aspects of building your business. Persistently take action to find the money for your deals. Just remember that “No Money Down” does not mean free. Investment abhors a vacuum; if you aren’t putting up money, you’re going to be putting in something just as valuable – sweat (mental or otherwise) and smarts. So roll up your sleeves, and let’s go to work!

At one time we’ve all wondered how possible the chances are to make money off the internet. I was there once, and it took some time before I was able to do it, but I know that it is relatively easy to make money. The amount to be made is the hard part. There are many different areas of the internet you can make money with and sometimes all the areas flow together to form 1 huge money machine!

I’ve looked through countless ways of making money online. I’ve also tried different things offline but 3 years ago I never imagined I would be well off due to making money from the internet. Since I didn’t have money to begin with I was going about everything the cheapest way I could do it. Sure you can make money with gold but you need several thousand dollars invested in order to make anything! The money I’m making online is something anybody can do. I’ve narrowed down the choices of online opportunities to the 4 methods that provide me with a living.

You have probably heard of paid surveys and I’ll tell you now that they are the easiest way for ANYBODY to make online money with. The amount you make will depend on where you live but there is money available to everyone in all parts of the world. For instance, if you’re in New York City you’ll be in the heart of the action so it’s possible to make a living just off of taking surveys and participating in focus groups. There are people out there living this way and they’re enjoying a simple life. They’ll never become rich but they’re job-free!

I live in Canada where I’m 4 hours away from the closest focus groups so the income I make is strictly from surveys but I still make anywhere from $20-$100 a week. It might not sound like much but it’s extra money in the pocket! Throw in the occasional winning draw and those earnings go up higher. I once won $2500 and have won quite a few draws worth $100-$250! Paid survey companies usually include mystery-shopping opportunities as well so you’re sometimes getting paid to eat a FREE meal. This is just my personal experience but if I were living ANYWHERE in the U.S.A. I could be making 4 times the amount.

Yes, you can make money taking surveys but that’s not where the top dollars are. I can’t give away the other secret methods so easily but I will tell you that the other opportunities I provide in my Four For 1 website are where people are making it rich off the internet! The amount made depends partly on luck and partly on how much you put into it. Some people may have a knack for the money-making-methods and could be earning $1000’s a week within the first month. This can just as likely happen from a pure stroke of luck! Other people might have to work for 6 months before they see any significant profits. The thing is, the profits do come and when they do it is very exciting because you know you’ve done it yourself.

There are other sites on the net that give you a single opportunity and charge you money whether you make any or not. On my site I have provided all 4 methods because I know you will make money this way. Some methods may not work for everyone while others may make it rich using all 4 methods! I know all 4 methods work because I’m becoming very wealthy because of them!

It is very possible to make money online and almost easier than most people think. It could be as little as 10 cents at a time or as much as $100 at a time. It all depends on the area you’ve chosen and how much work you’re putting into it. 10 cents at a time may sound like very little but if you’re making a steady 10 cents every 10 seconds then you’re looking at an awful lot of money.

The amount of work you put into these methods is how you will make money. Surveys will pay you by piecework – in other words you’ll get paid for each survey. With the other 3 methods there will be work in the beginning but it will run mostly on autopilot from then on. Sit back and watch your bank account grow. It’s really a great feeling once you’ve accomplished it.

I work when I want now and it’s not all that much. My goal in the beginning was to make $100 a day so I would no longer have to worry about working in factories. That goal was hit rather quickly and I now average $500-$1000 every day of the week. I often get days where I’ll make over $2000! That may sound like more than enough to you but my work has now become my hobby and I’m constantly creating more ways to make the money. You need something to do in between vacations!

If you decide to try these methods out for yourself, I would set a goal equal to your current pay before quitting your job – if you’re currently working. Give up a couple hours of TV or video games every night and consider this your part-time job. Don’t quit your job unless you’re sure of the money coming in. If suddenly you hit your target it doesn’t mean you will be making the same amount the next day. You have to be sure of yourself and know that the income is steady. I strongly recommend this.

So YES, there is money to be made on the internet but it doesn’t come instantly. Even the surveys require work on your part, but being able to work from home in your spare time is worth the extra time and effort in the beginning.

If you’re interested in finding out more on my other 3 methods, you can visit http://www.fourfor1.com

Good luck and happy earnings.

Wall Mural advertising can be both indoor as well as outdoors. They are normally targeted at a large audience or customer base. Walls murals are always are an original piece of work created by the artist taking the ideas from the customer. These murals are normally very bright, quiet huge and in many cases ideas are out of the box. Some wall murals are targeted at specific audience like in the case of graffiti art whose target is the urban adventurous.

Wall murals have that magical ability to light up a room, or an entire building, and make it more than the sum of its walls. Murals have the ability to capture the life in the building, and in humanity, and funnel it into the entirety of the building. If this was the only thing that murals did, they would be worth the cost and effort. But it really is not. The benefits of wall murals just keep coming. First, it becomes less of a pressing issue to wash the falls of mars and accumulated dirt. Furthermore, the mural itself distracts from other aspects of the room that may not be as inviting – such as an old protruding pipe or a dilapidated chair. Most of all, though, wall mural have the ability to put something in the room that wasn’t there before – they have the ability to make would-be limits that are walls into endless potential. Whether it is the skyline of San Diego or the scene at a street cart at the turn of the century, the wall mural gives the walls the ability to invite customers into an endless expansive of imaginative potential.

Today many a business owner is using wall murals to promote their business. This is done both on the exterior walls of their office or in their interiors. Fabric wall murals are also available and custom designed. These are usually printed but are a cost effective way to promote ones company.

It is really that ability – the ability to make potential out of defined limits – that make wall murals so great. And it is that potential that has convinced us that wall murals are worth promoting. Without the wall murals, many a trade show would have been a dank, confusing, dark place. If you want to bring life, potential, and beauty to a room, there is nothing better to do than to create potential out of the objects that define the confines and limits of your room. It is also very inspiring to think that someone had hand printed a picture for you!

Living conditions all over the North West Inner City of Dublin were terrible in the 1900’s. Stoneybatter was no exception. The people there too had to live in squalid conditions. In 1913 a Committee of Inquiry was set up to investigate Dublin housing conditions. Of the estimated 400,000 people living in Dublin in 1913 over 87,000 people were living in tenements all over the city. The Committee was set up because of a disaster in Church Street, Dublin 7.

On 2nd September 1913 two tenement houses collapsed at around 9.00 p.m. as the front wall came down and buried people who had been sitting out in the street on this warm night. Others were trapped inside. The rescue went on during the night. There were sixteen rooms occupied on the second, third and fourth floors with ten families living in them. Seven people were killed, with many others injured.

60 and 61 Manor Street were comprised of two tenement houses in the 1900’s. In 1911 there were twelve families living there, which comprised of twenty six adults and twenty children. At No. 60 there was a shop at the front which contained two rooms, three adults lived and worked here. William Hernon was a general labourer, he lived in one room with his wife and three children. In another room lived a couple and two young children. Other occupants also lived there. Next door at No. 61 was also a shop. Mary Whiston and her son lived here in four

rooms. Also in the house were a couple and their three teenage children living in two rooms.

In another room was a couple with five young children. A young couple with four young

children also shared a room. Other rooms were also occupied there.

In May 1920 the two houses were combined into the ‘Manor Picture House’. The first film shown was ‘ He Comes up Smiling ‘ starring Douglas Fairbanks. It was open seven days a week with three different films during the week. The children had a matinee on Saturday and Sunday. It cost nine pence for the good seats and four pence for the wooden seats. Children’s price was four pence. It could seat six hundred and thirty people and a familiar sight were the

long queues outside. It later became known as the Palladium and then the Broadway. It

closed down in 1956. The Stoneybatter Community Training Workshop is now housed there.

In 1876 the Dublin Artisan Dwellings Company was established by a group of

Just like a regular savings account, a money market account is a type of savings account that is offered by banks and credit unions. The main difference is that money market accounts will usually pay higher interest, have higher minimum balance requirements, and often they only allow three to six withdrawals from the account per month. With most market money accounts you are also allowed to write checks on the account.

If the account is held in a qualified bank, the money in a money market account is insured by the Federal Deposit Insurance Corporation (FDIC). This means that if the bank or credit union goes out of business your money will be returned to you.

With credit unions, your money is insured by the National Credit Union Administration (NCUA), another federal agency that protects consumers from loss.

Like a regular savings account, the money that you invest in a money market account earns interest. Interest is the money that the bank or credit union will pay you in order for them to use your money to fund loans to others.

In very simple terms the process works like this: You put your money into a money market account. The bank or credit union will pay you a certain amount of interest on that money. The bank or credit union will then loan the money out to others but they will charge those borrowers more interest than what they are paying you.

The difference between the interest that they pay you as compared to the interest they charge those who borrow is how they make a living and how you earn on your investment with the bank.

The interest on money market accounts is usually compounded daily and paid monthly. Compounded interest is one of the best ways to earn money from the bank. In essence, they are paying you interest on the money they have already paid you in interest.

Interest rates paid by money market accounts will vary from bank to bank. This is one good reason to shop around for the best rates before signing on with any bank.

In many cases, the more money you keep in the money market account the higher the interest rate you will get. You should ask about this when shopping for a bank.

You can take money out of a money market account but there may be some fees involved. Normally, you are allowed only a certain number of withdrawals each month. Most banks will charge a fee of around $5 if you do not keep a certain minimum balance in the account. You may also have to pay a fee if you go over the limit on withdraws per months.

You will receive a statement each month from the bank or credit union. This statement will tell you the transactions as well as any fees charged to the account and it will also tell you the interest your money has earned.

During any given month, you are also allowed to add money to the account. This is a very good way to make your savings grow fast.

Where does mortgage money actually come from? When you get a $500K mortgage, who actually writes the checks? Most people have no idea. Does it come from a bank? Does it come from the government or some large quasi-governmental agency like Fannie Mae or Freddie Mac? It all seems so confusing and the numbers are so big that they become abstract. But an understanding of where the cash comes from is the first step to understanding how the mortgage industry operates.

You can effectively break down the source of money into two broad categories. On the one hand, you have banks that recycle money that’s been deposited into personal and corporate accounts. We all have bank accounts; checking accounts, savings accounts. That money all belongs to us and the bank pays us interest on it. But they, in turn, lend that same money out to people who want to borrow it.

These banks then charge their borrowers a higher interest rate than they offer to their savers. That’s how they make their money. They charge what’s called “a spread” between their borrowing interest rates and their deposit interest rates. In fact, banks can even lend out more money than they physically have on deposit, based on ratios federally regulated by certain governmental agencies. But the details of that mechanism are beyond the objectives of this article. The point is that banks get money from our deposits and that’s what they lend out to their borrowing clients.

The interest rates charged by these banks are heavily influenced by the decisions of the Federal Reserve. Most of us are familiar with Alan Greenspan who has been the chairman of the Fed since 1992. His term just came to an end on January 31 2006 and he is now being replaced by Ben Bernanke. At the time of this recording, the Fed has raised interest rates 14 consecutive times during the past two years to gradually tighten a highly accommodating monetary policy that’s been in place since 2001.

The Fed manipulates interest rates by buying and selling bonds in the bond markets. During challenging economic times, the Fed buys bonds on the open market, and they pay for these bonds with cash. As the Fed continues buying bonds, it floods the market with cash. All of this excess cash makes money more available for people who want to borrow and interest rates naturally come down as different lenders compete for a limited number of borrowers. Think about it. If there’s excess cash out there, the interest rates to borrow that money gets bid down as different lenders compete for the business. Borrowers naturally go for the lowest rate.

When the economy starts growing again, consumer confidence starts rising and people start spending money again. They buy cars. They buy stainless steel refrigerators. They buy computers. With rising demand, companies can start charging more for their products. Profits start rising and soon, workers start asking for raises and better benefits. That increases costs for companies and a vicious cycle of inflation begins.

Inflation is a complicated phenomenon but suffice it to say, it can send the economy into a tailspin. So, to slow down that cycle, the Fed can start selling bonds on the market. Buyers pay for these bonds with cash and the Fed immediately puts that money away, taking the cash OUT of the economy. With less cash available on the open market, borrowers start bidding up interest rates which dampens the feeding frenzy and keeps the economic growth at a sustainable level.

The interest rate directly affected by the Fed is what’s called “the Overnight Rate.” This rate is what the banks charge each other. You may or may not be familiar with the Overnight Rate but most of us are familiar with the Prime Rate. This rate is simply the Overnight Rate plus 3. Right now, for example, the Overnight Rate is 4.5% so the Prime Rate is 7.5%. Every time the Fed makes a change, the Prime Rate changes at the exact same time.

There are also a number of indexes that are affected by these policy changes made by the Fed. Some of you have heard of the LIBOR index. If you’re curious, the acronym LIBOR stands for the London Inter-Bank Offered Rate. You may have also heard about the MTA index. It stands for the Monthly Treasury Average and there are others like the Cost of Funds Index and so on. All of these indexes are all heavily influenced by the actions of the Fed. So as you can imagine, they have all gone up significantly during the past two years. In 2003, the Prime Rate was at 4.00%. Today, it’s at 7.5%. In 2003, the LIBOR and MTA indexes were both around 1.00%. Today, they’re at 5.3% and 4.7% respectively.

The Prime Rate and all these various indices govern the interest rates of all variable rate loan products. For example, a home equity line of credit is a variable rate product and is generally tied to the Prime Rate. There are also a lot of loan products these days that are fixed for the first few years, but that become variable after that. Once the fixed period expires, they are tied to one of the indices like the LIBOR or the MTA. Anyone who has a variable rate product has seen their payments go up significantly over the past two years.

We started this discussion by saying there are two primary sources of mortgage money. The first is from bank deposits. The second comes from a wide variety of “investors” who provide money through Wall Street. But don’t think these are just a bunch of super wealthy individuals. They’re actually Money Managers that are managing our own money. Most of us have investment accounts like Insurance Funds, Pension Funds and various Retirement Funds. Many of the accounts that contain all these funds end up housing huge amounts of cash. You can imagine the Pension Fund for General Motors or some other Fortune 500 company. Think about Insurance Companies like New York Life or State Farm. These companies manage immense sums of money; money they have accumulated from all their contributors – people like you and me.

These huge funds are managed by professional Money Managers. They are always trying to maximize the return they get on this money so they look for good places to invest. For the most part, they end up putting the cash into three main areas. They buy equities; stocks of various companies that trade on the stock exchanges – shares of General Electric or Google or Starbucks Coffee. They also buy corporate and government bonds. That’s the second choice. And they buy what’s called “mortgage-backed securities”. That’s the third choice. Well, those are mortgages! They’re bundled mortgage loans that are bought and sold on Wall Street every day.

Essentially, these various Money Managers approach the mortgage business and say, “all right, you can lend out our money as long as you follow these guidelines”. The guidelines they’re referring to are the underwriting guidelines Mortgage Brokers have to follow when helping someone apply for a loan. The interest you pay becomes the return on investment for these Money Managers. So that’s where much of the money comes from. Now, within certain limits, many of these loans are insured by Fannie Mae or Freddie Mac as long as they meet their underwriting guidelines. As you can imagine, most investors have guidelines that closely resemble the Fannie Mae or Freddie Mac standard underwriting guidelines. The Fannie Mae and Freddie Mac guidelines are the benchmark for the entire industry.

Today, there’s so much money out there, money that has accumulated from Baby Boomers putting money aside for their retirement during the past 25 years, that a lot of investors have widened their guidelines beyond the standard Fannie Mae or Freddie Mac requirements. This is happening through the competitive process. There’s a lot of money out there. An economist might say, “there’s excess capital” out there. And what happens when there’s excess capital? Well, you can bet on two major results. First, you can bet that interest rates will get bid down as various investors compete for the business. Second, you’ll start seeing more and more innovative loan programs out there.

You have all seen this in your own lives. You’ve seen interest rates get bid down lower and lower with the bottom just behind us, back in 2003. Interest rates are now slowly on the rise again and you can bet they’ll start rising faster when all the Baby Boomers start retiring in a few years and start drawing money out of those huge pools of investment capital. You’ve also seen a flood of innovative loan programs. First came all the different Adjustable Rate Mortgages, or ARMs. Then came the Interest Only options. Now, they have these Negative Amortization loans. You know the ones: the loans that start with an interest rate of just 1%. Interest rates were never that low and they never will be. These loans allow borrower to make payments that are not even enough to pay the interest. So the loan balance actually gets bigger each and every month. We’ve all seen these phenomena play out right in front of our eyes.

On the surface, it looks like all these mortgages come from a few large well known players; companies like Countrywide Mortgage, Wells Fargo, Chase or Bank of America. Yes, these guys are huge players in the mortgage business. But that doesn’t mean the money is all theirs. Of course, Wells Fargo and Bank of America have all kinds of regular banking business but their mortgage divisions are generally in the business of packaging and servicing loans. They package the loans and sell them on Wall Street. In many cases, you may not even know because they continue to “service” the loans themselves. That means they do the customer service, they collect your payments and they pass them on to the investor that holds the actual loan, less an administration fee of course.

So again, this is all a direct result of excess capital. There’s a lot of money out there and they’re all competing for your business; your mortgage. So they’re all offering different perks to try and get you to pick them. A lower rate. Looser guidelines. Flexible new loan programs. It’s all marketing, trying to get you to borrow their money rather than somebody else’s.

Reviewing, there are two sources of mortgage money and both sources come indirectly from you and me. Your bank deposits get recycled and lent back out to the community. Your investment, insurance and retirement funds also get recycled and lent back out. It’s all a big circle from our savings to our debts. Obviously, there are some very wealthy people out there who have huge savings and few debts. Others have huge debts and very little savings. But in the aggregate, it’s the entire community that lends money to itself and it’s the total amount of savings in the community that determines the interest rates within it.

If there’s lots of money available, interest rates are low. If there’s a shortage of money, interest rates rise. So the fact that we’ve enjoyed steadily dropping interest rates in recent years is a sign that the economy is healthy and that there’s lots of money available. And the fact that rates are now slowly rising is a sign that the pool of investment capital is slowly shrinking. The soon-to-be retiring Baby Boom generation will definitely shrink that pool of money and we can expect interest rates to continue rising as a result. In the meantime, it’s still a great time to borrow money and we should all take advantage of it while it lasts.

6 tips to afford life now and retiring young.

A Money Rebel defined.

Young (adjective yung) – being in an early period of life or growth.

Money (adjective muhn-ee) – legal tender.

Rebel (noun reb-uhl) ‘ a person that exhibits independence in thought and action.

The need to be a young money rebel.

The latest reports show that the average person today is in poor financial shape. They may not be going bankrupt or having their home foreclosed on just yet; however during these uncertain economic times with rising oil prices and the problems in the credit market many people are barely getting by.

Unfortunately many people are living paycheck to paycheck, are experiencing the stress associated with debt and are often struggling to get out of grim financial circumstances. Most of these same people share a similar goal ‘ to experience financial freedom – but fall into the traps plaguing so many people as shown in the examples below.

-62% of graduates expect to have a student loan debt averaging $27,236 ($101 billion nationally) and requiring 7.9 years to pay off. (Student Monitor)

-The American public has been spending more money than it has earned after taxes since April 2005. (U.S. Commerce Department)

-Some 40 percent of Americans are counting on the lottery, sweepstakes, getting married, or an inheritance to fund their retirement. (Were Not In Kansas Anymore)

-Household debt in 2007 is at record high levels relative to disposable income. (Federal Reserve)

-Polls show that students (ages 15-21) feel unprepared to face the complex world of the 21st Century (American Dream Education Campaign)

Young money rebels avoid those traps.

Young money rebels, on the other hand, are able to avoid debt traps, have money saved and are able to experience the feeling of financial security at a young age. They have money to live life to the fullest now while building long-term wealth so they can retire young.

Young money rebels are independent thinkers and avoid the financial traps so many people are currently in. They have a working budget, keep their spending in check, are knowledgeable about personal finance, and follow a consist investment plan.

A young money rebel understands that by investing at an early age they have a huge advantage. Young money rebels have compounding interest working in their favor. With compounding interest the earlier you start investing, the greater potential growth of your money. That is why investing just $100 a month starting at age 18, and earning the S&P 500 average return, will make you a millionaire well before retirement age.

Young money rebels retire young.

Anyone looking to achieve financial freedom should become a young money rebel. This will give you more free time, the ability to live the lifestyle of your dreams and avoid the stress associated with living like most people do ‘ with financial worries and stress.

Today it is more important than ever you do achieve financial freedom. The large reduction in pension plans and the uncertainty of social security means that young adults today will need to be prepared to self fund their own retirement. Those programs that are there for your parents like social security and pensions won’t be there when your ready to retire.

How to become a young money rebel.

There are simple steps you can take to fully enjoying life by securing your financial future at a young age. Follow the six steps below to become a young money rebel.

1) Educate yourself. Most schools do not teach practical money skills so it is up to you. Fortunatly, today there are many resources available for anyone looking to improve their financial situation. Set aside 30 minute a night to learning everything you can about personal finances and you will be able to afford what you want now while securing your financial future.

2) Financial goals. What motivates you? Is it a big home steps away from the beach, a year off to travel the world or is it just having enough free time to spend with loved ones? It is your choice how you want to live life; so consider this option. You may not know exactly what you want but you probably will have a general idea. So write down financial goals that will encourage you to achieve your dreams.

3) Team. Building a team of trusted advisors will be an important part in achieving success as a young money rebel. Your team should include a trusted tax advisor, financial mentor, and personal growth coaches.

4) Financial plan. Develop a step-by-step financial plan so you can achieve your life goals. Write down how much you are going to save each month, where you will invest your money and your desired results.

5) Saving. A savings plan is the backbone to your financial success; so start immediately. Talk to your bank about automating your savings plan so every time you deposit money a portion of that is automatically transferred to your savings account.

6) Investing consistency. A consistent investing plan will lead to long-term wealth and financial freedom. Just like your savings plan you can automate your investments so they are made automatically for every month. Set it up once then it automatically works for you. Just make sure to check your statement on a regular basis.

By learning simple, practical money skills you will have taken the first step to becoming a young money rebel and enjoying life free from the financial worries that plague so many people.

The key words to consider are “financial aid.” If adult children need help with financial stress and the parent is in a position to help, it makes sense to do so. Watching someone struggle financially when we have the ability to make things easier for them and relieve their stress seems harsh.

However, as with all financial matters, the pros and cons of helping one’s grown children with finances must be carefully weighed and thoughtfully considered.

We all have a desire to make life better for our children. Taking into account each child’s personality and lifestyle will help us make good financial decisions in their regard.

Is the individual in financial need because he has been living irresponsibly? Does he want to live the good life and spend in excess of his ability to earn? In this case, being too generous might cripple independence and enable a lack of motivation.

On the other hand, if an adult child has been plagued with legitimate hardships such as employment issues, medical bills or some other traumatic situation, and has previously displayed productivity and a good work ethic, a helping hand might be in order.

Assistance can be in the form of a loan or an outright gift. Only you can assess your financial picture and determine which is best for your situation. If you have recently retired and probably have many years ahead of you, a loan may be the appropriate way to offer help. Sometimes, however, an outright gift is more beneficial to eliminate feelings of guilt about ability to repay.

It is the parent’s money and his ultimate decision. However, a parent will want to guard against using money as a control mechanism in the parent/child relationship. To withhold assistance when a child is struggling with immediate financial difficulties in order to “reward” that same child with a larger inheritance could be motivated by a self righteous attitude or an attempt to “bribe” for attention.

I am reminded of the classic example in the original version of the movie, “Fun with Dick and Jane.” Jane asks her wealthy parents for a loan when Dick has been laid off from his job and they are struggling to keep food on the table. Jane’s father declines and tells Jane the struggle will be good for her and Dick. He reiterates his wealthy status and lords over his daughter how he is reaping the benefits of his frugal and wise life.

The movie is a comedy with some profound truth and wisdom interwoven into the laughter.

When a person is down and out, that would not be the appropriate time to preach, or wax philosophical about the benefits of frugality. If one can help, then do so. If one is not in a position to offer help, then sympathize and commiserate, but refrain from self righteously sharing personal good fortune stories.

It is not the parents’ role to teach children “life lessons” by withholding potentially available assistance in a time of dire need.

There is also no virtue to hoarding excess money in the bank when children and grandchildren are suffering or deprived. If you can relieve the stress without putting yourself in a financial shortfall, it is prudent to do so.

Your thoughtfulness and generosity will reap you immeasurable benefits. You will have the enjoyment of seeing your offspring thrive and the peace of mind which accompanies helping another. Your child will be filled with relief and gratitude and might even acquire a “pay it forward” attitude and one day follow your example by helping someone else avoid financial distress.

No inheritance can outweigh those immediate benefits.

Now, I am going to give you 3 easy ways to make money online with your online home based affiliate marketing business. You’ll discover workable 3 easy ways to make money online from home in this article.

READ THIS: If you are truly serious about how to make big money online and you are looking for 3 easy ways to make money online.

No matter what you may have heard about online home based affiliate marketing business, it’s impossible for everyone to make $5,000 – $10,000 a month without your hard-working & time, as there is simply too much competition. There is also no money that will fall into your hands without you doing anything for it.

With that in mind, you’ll find some high level tips below that will help you make big money with online affiliate marketing programs on the internet. You’ll discover 3 easy ways to make money online through your online home based affiliate business from home below:

1. Google and Overture

Even though the days of free traffic aren’t completely over, they are surely fading away quickly. You can choose to work hard creating web pages that score well in the search engines, although it’s very hard to do.

By paying for clicks with Google and Overture, you’ll have the top three positions on the search engines that matter the most. If you hope to generate web traffic from Yahoo, all you need to do is be at the top of Google.

Personally, I believe that this is one of 3 easy ways to make money online if you know exactly how to take it into your account. I strongly believe that you can make extra money on the internet from home, if you implement your marketing campaign at Google and Overture properly – even there is a lot of competitors right now. The thing is that you have to be outstanding among your competitors.

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2. Your own email list

Sending offers to your very own email list is the ideal way to build freedom and residual income. Instead of sending traffic away then hoping for the best, you should instead have your own email list to which you are able to send multiple offers.

This strategy is one of 3 easy ways to make money online and ways to advertise your product or services. You can make money with no web site. You just have to keep update your subscribers with high quality newsletter.

My studies show that this is one of the best internet marketing strategies worldwide. You can make big money online from the opt-in list. However, I highly recommend you to be aware of conducting your own newsletter. Don’t give your subscribers SPAM! They hate SPAM! I believe that giving high quality newsletter will help you to reach wide range of customers and increase sales.

3. Your own online affiliate partner program

If you knew that each filled out form on your site generated .50 cent in revenue, would you still be willing to pay someone else .25 cents to generate that same traffic?

The most overlooked ways of generating traffic is having others generate it for you. There are many advantages to this method, including the fact that others will be getting your traffic for you.

I have no doubt that this is one of my 3 easy ways to make money online. Even your home based internet marketing business is profitable; I highly recommend you to setup your own affiliate program. Your sales & profits will definitely increase rapidly!

When it all comes down to it, everything involves paying for traffic in one way or another. To make more income, you’ll need to invest very wisely in advertising.

Conclusion, you’ve learned 3 easy ways to make money online. Those 3 easy ways to make money online are: Pay Per Click Search Engine Ppc Advertising, Making big money from the list and Setting up your own online affiliate partner program. If you use those 3 easy ways to make money online properly, you will absolutely make big money online at home.

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