Simple Truths 212 degrees

(My Original Blog Post: http://timemyself.com/time/mind/simple-truths-212-degrees/)
http://www.212movie.com/ This is one of the more popular movies I have heard of like this, and from this site. It's about the little edge that makes the difference, it's about that extra effort that seperates 1st from 2nd place. Winners from the losers.  It shows how close winners from 2nd place are in real life, in sports and other areas of life, hard work pays off, and how you need to give it 100% all the time that you can.

www.RonOrr.com

Simple Truths The Dash Movie

(My Original Blog Post: http://ping.fm/Tnavw)
http://ping.fm/MPTED  This video is about what people accomplish throughout their life.  The memories and how they leave a legacy for others.  It's not about cash, cars, or houses. It's about how you affect people's life and what you'd want them to think about you at the end during your eulogy.  This is a great and important concept.

www.RonOrr.com

Simple Truths of Service

(My Original Blog Post: http://ping.fm/GTQ9E)
http://ping.fm/9PEMU This is a true story as told by Barbara Glanz.  It's about Johnny the 19 year old bagger and how well he treated people.  It talks about what Johnny did that was so unique that got everyone's attention and made him a little local hero and celebrity at his local supermarket.  It's about service coming from the heart.

www.RonOrr.com

Simple Truths Power of Attitude

(My Original Blog Post: http://ping.fm/IZALe)
http://ping.fm/5Gtx9  A journey of a thousand miles begins with a single step. -Chinese proverb.    Purpose, passion, vision, courage, goals, is what this video is about.  One of my favorite quotes, that's in this video is: Stay Positive, You become what you think about. -Earl Nightingale

www.RonOrr.com

Simple Truths of Appreciation

(My Original Blog Post: http://ping.fm/PX2HN)
http://ping.fm/xjSQW  This is a true story by Barbara Glanz copyright 2007.  This movie is about finding those who you want to thank in life who have given you joy.  There is a quote by Mother Teresa.  It's about rememembering and thanking someone who has touched your life.

www.RonOrr.com

Simple Truths The Paper Airplane Movie

(My Original Blog Post: http://ping.fm/raidC)
http://ping.fm/ZT1DW  I liked this movie because I didn't know what to expect, and it's about being creative and thinking outside the box and being unique.  It's about not following the crowd.  It's simple and really good for any age to read.   It had me reading and waiting until the end to find out what the idea was, and I enjoyed this short little movie.

www.RonOrr.com

Simple Truths The Power of Teamwork

(My Original Blog Post: http://ping.fm/krYpK)
http://ping.fm/SFwrn   This movie is inspired by the blue angels flight team.  This video refers to missions, values, and purpose.  Leading by positive example.  Peak performance, top commuinication and more.  Each member should have a role with the team.  This is a good short movie.

www.RonOrr.com

Simple Truths You Can't Send a Duck to Eagle School

(My Original Blog Post: http://ping.fm/6CxUf)
http://ping.fm/HWHuJ   This video is about taking people that have character, personality and other great traits and teaching them a certain product, not the other way around.  In other words, you can't teach a person to be happy, or smile if they don't want to.  It's about having a great attitude and hiring the right person to do the job.  This one has a lot of the same quotes I have heard of before.

www.RonOrr.com

Simple Truths The Strangest Secret

(My Original Blog Post: http://ping.fm/q68WR)
This is based off of Earl Nightingale's the strangest secret which sold over 1 million copies before most of you reading this were even born.  This is a very popular personal development audio, this is just an excerpt.  It refers to success, how do we define success?  You become what you think about.  It's about getting back returned what you go after.  Plant your goal in your mind.  This is a great concept!

www.RonOrr.com

Simple Truths Great Quotes from Great Leaders

(My Original Blog Post: http://ping.fm/CTIAS)
http://ping.fm/6t7bs   This is a 3 minute video with quotes from those such as: Ben Franklin, Winston Churchill, Thomas Jefferson, George Washington, Martin Luther King, Jr., Walt Disney, Abraham Lincoln, Vince Lombardi, Eleanor Roosevelt, Dwight Eisenhower, Nelson Mandela, Albert Einstein, John F. Kennedy, Mahatma Gandhi, Helen Keller, Henry Ford, Ronald Reagan, Pope John Paul II, Franklin Roosevelt, George S. Patton, Booker T. Washington, Theodore Roosevelt, Albert Schweitzer, Harry S. Truman, and Mother Teresa.

www.RonOrr.com

Simple Truths Sales Motivation Movie

(My Original Blog Post: http://ping.fm/FuQYB)
http://ping.fm/H5LVS   This movie is about great quotes to help charge your battery. It's about helping the millions of salespeople out there have a stronger motivation.  Focus, excellence, commitment are a few of the most important ideas in this video.  Success is a journey not a destination is one you can't forget.

www.RonOrr.com

Simple Truths May You Be Blessed

(My Original Blog Post: http://ping.fm/9MQx7)
http://ping.fm/nWFYJ  This movie is about all of the joys in the world and may they be plentiful. It's about getting stronger.  This video talks a lot about becoming stronger when times are tough.  There are some great inspiring words of wisdom in this short movie.

www.RonOrr.com

Simple Truths The Essence of Leadership

(My Original Blog Post: http://ping.fm/mJeT1)
http://ping.fm/YYCec  There are many quotes in this short movie, and they include those about quality and brand, and excellence.   Reinforce core values, take action.  This is a pretty short video, but has some good quotes.

www.RonOrr.com

Simple Truths The Essence of Leadership

(My Original Blog Post: http://ping.fm/oQXoH)
http://ping.fm/XgLWw  There are many quotes in this short movie, and they include those about quality and brand, and excellence.   Reinforce core values, take action.  This is a pretty short video, but has some good quotes.

www.RonOrr.com

Simple Truths Walk the Talk

(My Original Blog Post: http://ping.fm/Y2yHP)
http://ping.fm/2QA2D   Practice what we preach, do the right thing.  This video defines commitment.   Honesty in defined in this video.  Building your character, holding high standards for yourself. Seeking the courage to do the right thing, this is a decent video.

www.RonOrr.com

Simple Truths The Richest Man in Town

(My Original Blog Post: http://ping.fm/Pjivp)
http://ping.fm/nZnoy  This video is about a guy names Marty, and being humble and appreciating everything in life, and treating everyone the same with dignity and respect.  Marty is well known and many teach and talk about him.  It's about being grateful for everything in life, and making each moment count. What matters most in life moment by moment.  This movie was pretty good, not my favorite of the bunch, but ok.

www.RonOrr.com

Cancellation of a Contract for Deed How does it work

(My Original Blog Post: http://ping.fm/j8vyG)
Full article on Minnesota Contract for Deeds can be found here

Here are some guidelines of what you can expect if you need the services of an attorney to cancel a contract for deed in the state of Minnesota, an attorney can aid you in this process.

The basics of statutory cancellation of a CFD and the timelines involved are:
1.A default (curable or noncurable) in the CFD must have occurred
2.Fill out the statutory notice of cancellation of contract for deed (1-3 days)
3.Personally serve the cancellation notice on the vendee(s) (1-5 days)
4.Vendee has 60 days from date of service to cure the default (60 days)
5.Absent a cure, an eviction complaint is drafted and served (1-3 days)
6.Summary eviction hearing is held (7-14 days after service)
7.Writ of Recovery obtained and served by Sheriff (1-3 days)
8.File the cancellation with the county recorder or registrar

The following are just general guidelines we have provided on costs we believe and are subject to change at any time, you will need to contact an attorney for updated costs:
Cancellations usually take 2 to 5 hours of attorney time to gather the info and draft the documents for the cancellation.
There is a fee for the process server ($50-$100) to serve the docs.
Evictions are about the same time of 2 to 5 hours (for summary proceeding),
Service fee ($50-$100)
Court filing cost of $250.
Writ of Recovery is $40
Sheriff usually charges about $100 to serve it.
Filing cancellation of CFD with the county is $46 fee to county.

Cancellation of a c/d specifically below Info courtesy of:
Jaren L. Johnson
BenePartum Law Group, PA
Benepartum.com
651-994-4300 ext. 19

Simple Truths Change is Good

(My Original Blog Post: http://ping.fm/iLo88)
http://ping.fm/gKz9o  This movie is about motivating your team, getting the most out of them, becoming a leader.  The video is about celebrating success, showing your actions.  Inspiring others, making the complicated easy to understand.  This is a good video for a team leader to show others.

www.RonOrr.com

Simple Truths Finding Joy

(My Original Blog Post: http://ping.fm/sUVoe)
Finding Joy: Simple Secrets to a Happy Life.  Sometimes in the winds of change we find our true direction!  This movie has some very unique quotes, from Mother Teresa, Hellen Keller, Norman Vincent Peale, and many others.  The idea is to find your joy and share it with others.  I recommend this mini-clip movie.

www.RonOrr.com

Simple Truths Dreams are Whispering from the Soul

(My Original Blog Post: http://ping.fm/Wzmcf)
http://ping.fm/qzWVo     There are many good quotes in this short movie.  It's about dreaming and realizing what to look forward in life as you can tell from the domain name and name of the movie.  Great imagery in this movie, one of my favorite quotes from this movie is:  Only as high as I reach can I grow. Only as far as I seek can I go.  Only as deep as I look can I see.  Only as much as I dream can I be.  -Karen Ravn

This is a recommended movie to watch.

www.RonOrr.com

LuLu: Sell your own publications Print on Demand

(My Original Blog Post: http://ping.fm/g6y64)
You can juse Lulu.com to publish your work of art in writing. Here are some various mediums that you can publish to: Books, Paperback books,Hardcover books,Comic books,Dissertations,Cookbooks,Product Manuals,Sales Proposals,Travel Guides,Poetry Books,Brochures,Yearbooks,Annual Reports,Textbooks,Training Manuals,Course Outlines,Presentations.

The idea is that instead of trying to find a publisher or print 100,000 advance copies and taking the chance or putting out the money, you can print on demand, and have it printed as you create the demand from your own marketing efforts, it's much more cost-efficient this way, or at least risk-adverse.  You can also buy or sell on lulu.com  It's referred to as Self-Publishing.   They have a demo link to check out and view.   Upload, convert and publish.  They have books, music, cd's, video, calendars and more.

www.RonOrr.com

Simple Truths Finish Strong

(My Original Blog Post: http://ping.fm/4fMId)
http://ping.fm/CoBds  This movie is about finishing strong and being tough, and how you take what happens to you and view it.  There are some very inspiring cases of many famous people who had the odds against them early or later in life and still ended up creating and achieving greatness, I really liked some of the cases written on this video.  It's about making choices, decisions, and moving forward.  It's about how you react to situations and what you do with them.

www.RonOrr.com

www.RonOrr.com

Simple Truths Perry the Peacock

(My Original Blog Post: http://ping.fm/xyhaj)
http://ping.fm/MEg2I  The story of Perry the Peacock and his imagination, enthusiasm, and energy. It's about daring to be different, being unique, leading others. It's about finding where you fit in and what situation or place best compliments your abilities.  Be who you are meant to be!

www.RonOrr.com

Is This the End of Owner Financing in Real Estate for Investors?

(My Original Blog Post: http://ping.fm/UJR9d)
Real Estate Investors need to read this and do their part, please read the following info and see what's coming up as new law if something isn't done about it.

Dear Fellow Speaker;

I don't know if you've heard about HR 1728, but it's a heinous infringement on private property rights that is likely to shut down the creative selling market. IT HAS ALREADY PASSED THE HOUSE AND IS UNDER CONSIDERATION BY THE SENATE NOW. I have attached an article about it that you should blast to your students ASAP, we need massive action on this immediately to stop it.

Vena

House Bill 1787-Why it's Death to Your Business and What to Do About it.

The U.S. Senate is considering a bill that would severely limit the way you do business as a creative investor and, more importantly, is an inexcusable infringement of the property rights of all Americans.

HR 1728, which you can view in its entirety here: http://ping.fm/CgJGf deals with a plethora of mortgage-related issues, mostly around limited terms and fees on residential loans. But the heinous piece of the legislation is in section 101(3)(e), which defines the affected principals as:
'(E) does not include, with respect to a residential mortgage loan, a person, estate, or trust that provides mortgage financing for the sale of 1 property in any 36-month period, provided that such loan-
(i) is fully amortizing;
(ii) is with respect to a sale for which the seller determines in good faith and documents that the buyer has a reasonable ability to repay the loan;
(iii) has a fixed rate or an adjustable rate that is adjustable after 5 or more years, subject to reasonable annual and lifetime limitations on interest rate increases; and
(iv) meets any other criteria the Federal banking agencies may prescribe; and

Yeah, I know, confusing. But here's what it says: you are NOT subject to the law as long as you DON'T sell more than 1 property with owner financing every 3 years! Or, to put it another way, you ARE subject to the limitations of the law if you DO sell more than one property every 3 years via a land contract, owner-held mortgage or wrap-around mortgage-and who knows if they'll define lease/options as owner financing, too?

So what does it mean to be "subject to the law"? Well, at the very least, it means that you will have to comply with a long, confusing, and penalty-filled piece of national legislation. Here are the types of transactions that you would be restricted from doing more than once every 36 months:

o       Selling YOUR OWN HOME using a land contract or owner-held mortgage so that you can get a quicker sale, higher sale price, or better rate of interest than is available in other investments

o       Carrying back owner-held second mortgages on investment properties that you sell

o       Doing any kind of installment sale on residential properties including homes, condos, mobile homes, and even raw land that is zoned residential

Yes, there will undoubtedly by ways to "get around it"-some have suggested that getting a mortgage broker's license and then learning and following the vast new set of regulations would circumvent the "problem". But bottom line is, this law has to be stopped and it has to be stopped NOW. Here's why:

1.                          Congress is trying to regulate the wrong thing. The deals we make are not "loans"-they don't involve the transfer of money, or points or closing costs or adjustable rates or any of the other things that caused the mortgage crisis to begin with. They are INSTALLMENT SALES. We don't give money to the "borrower" and wait for it to be paid back: we give a property to the borrower and wait for it to be paid off. Regulating this will have no effect on the foreclosure crisis

2.                          It is a completely unacceptable infringement on private property rights. When I own a piece of property and find a ready, willing, and able purchaser, I should be able to control the sale of that property within the existing laws of my state, which already regulate the interest rate that I am able to charge and some of the terms of the sale. The government does not have the right to tell us that we need special licensing to sell our own properties; nor do they have the right to further regulate the terms under which we can sell or burden small investors with a new set of rules that we can't comply with.

Not only will this new law, if passed as written, effectively choke off owner financing as an exit strategy for you, it will also take away housing choice for your buyers. The millions of Americans who've been through foreclosure in the last 3 years can't buy a house in any way OTHER THAN to negotiate owner financing with a seller-and HR 1728 would greatly reduce the number of properties available in this way. Millions of potential home owners who would otherwise be able to re-start the process of paying off a home, and get the tax advantages of ownership, will be reduced to renting until they are able to qualify for bank financing.

What to Do Right Now

This bill has already passed the house and is waiting for Senate approval. Please contact your senator via email and snail mail to let him know that this law MUST NOT PASS in its current form. You can get your senator's contact information here:http://ping.fm/wFAsr

As always in cases like this, you have an automatic handicap to overcome-the fact that you are a real estate investor and are therefore viewed as part of the problem. So when you write, don't emphasize the nature of your business, just that you and your buyers would be greatly aversely affected by the new law.

We need THOUSANDS of these communications to go out in the next few days to have a CHANCE of stopping this in its tracks. So whether you're a new or experienced investor, PLEASE take the time right now to write your elected representative!

PS Vote libertarian!

Here are some sample letters or emails.

IF YOU HAVE A REAL ESTATE LICENSE
Dear Senator [name];

My name is Vena Jones-Cox and I am a life-long resident of Cincinnati.

I am writing you to encourage you to vote NO on HR 1728, the "Mortgage Reform and Anti-Predatory Lending Act".

While many of the provisions of the act are positive steps toward mortgage reform, the inclusion of private owners in the act (see section 101(3)(e)) will enormously reduce the housing choice of Ohioans and the ability of home owners to sell properties in this already-slow market.

As a real estate broker, I have seen several dozen cases in the  past year of home sellers and buyers coming to an agreement for an installment sale on a property that the owner desperately needed to sell (often to avoid foreclosure) and the buyer desperately wanted to buy, but could not raise the downpayment needed for conventional financing.

In all cases, these sales turned out to be win-win deals for the buyer and seller; the seller was able to get rid of an unwanted property to a buyer who loved it, and the buyer was able to get his new home at an affordable payment and interest rates with none of the usual costs (points, application fees etc) inherent in more conventional mortgage transactions.

In Ohio, these transactions are already regulated by state law: a low maximum interest rate is already in place, and both the buyer and seller are protected by other regulations at the state level.

In defense of private property rights, owners should be exempted from the burdensome and unnecessary rules that this law foists upon them. In its current form, it would all but shut off the "owner financing" market that is the only way that many sellers can sell and many buyers can buy right now.

PLEASE DO NOT LET THIS RESTRICTION ON PRIVATE PROPERTY RIGHTS PASS THE SENATE. It is unnecessary to stop private buyers and sellers from transacting business that is beneficial to both of them-they are not the problem that the bill seeks to solve. HR 1728 would be extremely harmful to thousands of your constituents.

It will exacerbate the problem OF foreclosure, as fewer sellers will be able to sell their homes to avoid it, and CAUSED BY foreclosure, as fewer buyers who have recently experienced foreclosure will be able to re-start the process of home ownership inexpensively and easily by negotiating owner financing.

Thank you for your consideration;

Vena Jones-Cox
Licensed Real Estate Broker license #
Phone #
email

IF YOU SELL HOUSES WITH OWNER FINANCING
Dear Senator [name];

My name is Vena Jones-Cox and I am a life-long resident of Cincinnati.

I am writing you to encourage you to vote NO on HR 1728, the "Mortgage Reform and Anti-Predatory Lending Act".

While many of the provisions of the act are positive steps toward mortgage reform, the inclusion of private owners in the act (see section 101(3)(e)) will enormously reduce the housing choice of Ohioans and the ability of home owners to sell properties in this already-slow market.

As a professional housing provider, I sell several houses each year to home buyers on installment sale [or, if you have not purchased a property, add here: "I had planned to sell several houses this year on installment sale]-a practice that would become impossible under this law in its current form.
I find that in today's slow market, the best way for me to help buyers who desperately want to become homeowners, but who cannot raise the downpayment or meet the other terms needed for conventional financing, is to allow them to make payments directly to me.

These sales are win-win deals for both the buyer and myself; I am able to turn over homes that I've bought and rehabbed (often from foreclosures) to buyers who love and can afford them, and the buyer can get his new home at an affordable payment and interest rates with none of the usual costs (points, application fees etc) inherent in more conventional mortgage transactions.

In Ohio, these transactions are already regulated by state law: a low maximum interest rate is already in place, and both the buyer and seller are protected by other regulations at the state level.

Without the ability to sell homes in this way, I will no longer be able to invest in and renovate any of the tens of thousands of vacant, ugly houses placed on the market by the foreclosure crisis, and my small-but-beneficial business will literally be in ruins. Perhaps more importantly, the homeowner-buyers that I serve will be forced to rent rather than moving toward the American dream of home ownership.

In defense of private property rights, owners should be exempted from the burdensome and unnecessary rules that this law foists upon them. In its current form, it would all but shut off the "owner financing" market that is the only way that many sellers can sell and many buyers can buy right now.

PLEASE DO NOT LET THIS RESTRICTION ON PRIVATE PROPERTY RIGHTS PASS THE SENATE. It is unnecessary to stop private buyers and sellers from transacting business that is beneficial to both of them-they are not the problem that the bill seeks to solve. HR 1728 would be extremely harmful to thousands of your constituents.

It will exacerbate the problem OF foreclosure, as fewer sellers will be able to sell their homes to avoid it, and CAUSED BY foreclosure, as fewer buyers who have recently experienced foreclosure will be able to re-start the process of home ownership inexpensively and easily by negotiating owner financing.

Thank you for your consideration;

Vena Jones-Cox
Perfect Properties, inc.
Phone number
email

IF YOU BUY HOUSES WITH OWNER FINANCING
Dear Senator [name];

My name is Vena Jones-Cox and I am a life-long resident of Cincinnati.

I am writing you to encourage you to vote NO on HR 1728, the "Mortgage Reform and Anti-Predatory Lending Act".

While many of the provisions of the act are positive steps toward mortgage reform, the inclusion of private owners in the act (see section 101(3)(e)) will enormously reduce the housing choice of Ohioans and the ability of home owners to sell properties in this already-slow market.

In the past year, I have purchased and renovated several homes-made possible only  because the sellers of these homes were able to sell to me using owner financing in an unrestricted way.

For many of these property owners, seller financing was the only way to unburden themselves of an unwanted property that, in some cases, was headed toward foreclosure before I purchased it.

Without this ability, I can not continue to buy and renovate properties in the neighborhoods that so need me and my colleagues to invest our time, energy, and money in rehabbing properties.  Bank financing is not an option for these properties because of the condition; only financing carried by the sellers will suffice.

Section 101(3)(e) would keep my sellers from utilizing this method of getting rid of unwanted properties in today's market, should they have more than 1 to sell.

In defense of private property rights, owners should be exempted from the burdensome and unnecessary rules that this law foists upon them. In its current form, it would all but shut off the "owner financing" market that is the only way that many sellers can sell and many buyers can buy right now.

PLEASE DO NOT LET THIS RESTRICTION ON PRIVATE PROPERTY RIGHTS PASS THE SENATE. It is unnecessary to stop private buyers and sellers from transacting business that is beneficial to both of them-they are not the problem that the bill seeks to solve. HR 1728 would be extremely harmful to thousands of your constituents.

It will exacerbate the problem OF foreclosure, as fewer sellers will be able to sell their homes to avoid it, and CAUSED BY foreclosure, as fewer buyers who have recently experienced foreclosure will be able to re-start the process of home ownership inexpensively and easily by negotiating owner financing.

Thank you for your consideration;

Vena Jones-Cox
Perfect Properties, inc.

Simple Truths Eat that Frog, do important things first

(My Original Blog Post: http://ping.fm/Szskk)
This is a quick video, that talks about getting the toughest things out of the way first

http://ping.fm/OeDo1  It refers to your to do lists, or tasks that you have to do every day and how you gain momentum from doing the toughest or often the one thing you want to do least first.

www.RonOrr.com

The Climb Inspirational Song

(My Original Blog Post: http://ping.fm/cwtNS)
This song and lyrics should inspire you....


The lyrics to this songs are about never giving up and to keep getting back up after you are knocked down.  It's about having faith in your dreams.  It's about not breaking even though it will be a tough battle at times.  It's about being strong, and how the journey will be what you remember most.  This song is about believing in yourself and keep at it with focus of your main aim in mind.

Simple Truths Inspiration 365 days per year Zig Ziglar

(My Original Blog Post: http://ping.fm/CJAkf)
http://ping.fm/SNuLT  This short clip is some of Zig Ziglars favorite quotes, they range from making the most of your time, to making the most of life, each day, and controlling your destiny.  Some of the quotes are by Zig himself and many are by others, most of who you have heard of.  This is a short 3:40 video. I recommend it.

www.RonOrr.com

Simple Truths Every Monday Matters

(My Original Blog Post: http://timemyself.com/time/mind/simple-truths-monday-matters/)
http://www.everymondaymovie.com/    Mentor a child, help others, make every monday matter. Help kids read, adopt a pet, help the world.  Donate blood, 1 pint of blood can save up to 3 lives.  60% of the population is able to lend blood, but only 5% do.  Write a letter to our troops, give appreciation and support even if you are a stranger.  Help the hungry, millions have limited access to food.  Donate clothing, millions need it, billions of pounds are wasted.  1.08 billion people live on less than $1 per day.  1billion people don't have access to clean water.

www.RonOrr.com

Make the Most of What You Have

(My Original Blog Post: http://ping.fm/hsyRJ)


Life isn't always equal or fair for everyone, but it's up to us to make the most of the gifts that we are given. We all come into this world with different opportunities, and different circumstances, but it's up to us to have the drive to determine what we are made of, watch this inspiring video about what this person has accomplished with what he was given.

www.RonOrr.com

It's the 1% that makes the difference

(My Original Blog Post: http://ping.fm/hP52i)


Sometimes success in life comes from that little extra effort over everyone else, when you really push yourself, that could make the difference from good to great.  Many people try hard, but it's the people who try the hardest that really succeed.   Watch this video to see how just that little extra push forward makes all the difference in life from the average to the best!

www.RonOrr.com

Want a check for $8000 even if your credit is bad?

(My Original Blog Post: http://ping.fm/B1zdB)
Want a check for $8000 in the mail in the next few weeks? Buyers are doing it, even with bad credit, how you ask?  It's for a limited time, you will need to hurry.  If you want to buy a house on a contract for deed, you can have bad or average credit, no need for a bank today, this program applies to those that qualify for loans also, here is how it works:  http://ping.fm/0AtIz  Basically if you are going to live in the property for up to 3 years, and do owner occupied and are purchasing a house, not a rent to own, you have to purchase the house with financing or on a contract for deed, then you can qualify for this $8000.  You have to be a first time home buyer, but read the article, a first time home buyers is anyone who hasn't owned a home in 3 years.  "To qualify for the credit, the purchase must be made between Jan. 1, 2009 and Nov. 30, 2009."  So their is only limited time.  "Buyers may not have owned a home for the past three years to qualify as "first time" buyer. They must also live in the house for at least three years, or they will be obligated to pay back the credit."

Sounds pretty easy, right?  email me ron@minnesotainvestors.com and we'll get you started, if you put $5-8,000 down on a contract for deed with bad credit, knowing you could get up to $8000 back on taxes depending on your tax situation and quickly, wouldn't you want to buy now!

Please fill out the form at www.MinnesotaInvestors.com to get started

Email-Extra Marketing Ideas

(My Original Blog Post: http://ping.fm/uLuHg)
There are other add-ons or ideas you can add into your emailing that you are already doing.  These added features are just additional ways to gain marketing, and branding on what you do every day, so why not make a habit of it for extra exposure.  I have written other posts about adding automatic email signatures, with either type, web addresses, or html with logos, etc.  Depending one which email client you use, I would recommend having an email that ends in your own website domain name, and even better is your own name for better branding.  For example, I have used minnesotainvestorsinc@yahoo.com, but ron@minnesotainvestors.com may even be better for branding, but better yet, I like @ronorr.com that way you get more branding for your name.    I just change my own settings in yahoo to put the reply to and from email address.  If you use cell phones, PDA's, etc, you may need to set up some forwarding or other features to get all of this work right.  One idea I am trying now, is a vacation response autoresponder, which I have set for the max 6 months on yahoo mail right now.  My email response says thanks for your email, I will get back to your email when I get a chance, and I put my website www.RonOrr.com in that vacation response for extra branding.  Just think of anything you are doing every single day already, and figure out a way to add a marketing touch to it for branding for you and your business.

www.RonOrr.com

Down Payment Assistance Up to $15,000

(My Original Blog Post: http://www.minnesotainvestors.com/blog/down-payment-assistance-up-to-15000/)

NEW Federal Funds Program

6/2/2009

Funds Available:

$765,000.00

Estimate Federal Down Payment Assistance:

$14,999.00

Estimate Offer Price:

$100,000.00

(Line 31) Estimate Base Loan Amount: (add plus MIP after this number)

$85,001.00

These funds are to be used for a First Time Home Buyer with Low to Moderate Income if buying a home in the 11 county metro area. The property must meet or exceed the minimum property standards set by FHA and the home will be subject to a separate trained Home Inspector and chosen off of an approved Inspector roster.

Standard Requirements:

Please check yes to buyer elect to have a home inspection because it is a requirement of the loan approval.

Access to the Attic is required to verify acceptable ventilation of the structure.

If the home is a foreclosure the property must be vacant when the home inspector & the appraiser visit the property & the home must of been foreclosed on before the date of the purchase agreement.  If this is an existing home including a short sale, and people are living in it, it must be owner occupants and NOT RENTAL. If it is new construction, it must be an existing model, and not a to be built home. Closing must take place with in 30 days of reservation of funds. Vacant homes are ok, if they show up as vacant and are NOT rental properties. Condominiums and town homes must of been built after 1978.

A working stove and refrigerator must be in the property at the time of the home inspection.

-The stove and refrigerator do not have to be in the kitchen. They can be in the garage as long as they are working. They can be removed after the home inspection is completed or left on the curb or disposed of.

The Sellers will be paying for the borrowers closing costs and prepaid items up to the 6% of the sales price at the time of closing. (Included in the closing cost will be the fee for the home inspection and will be paid by the sellers out of the 6%)

Line 30 on page 1 of purchase agreement:    Percentage Down

14.9990000%

The Down payment funds will be placed as a silent second lien on the home at the funding of the first mortgage. Realtors-On the purchase agreement, check line 33 (a first mortgage with subordinate financing)

For your financing type please check line 35:   FHA

If the home buyer qualifies for the full $14,999 at closing and lives in the property for 5 years and one day as their primary residence $10,499 will be forgiven and the remainder of the funds will be paid back when the home is sold or if the home owners ever cease to occupy the property. The $14,999 silent second lien has NO accruing interest charges or monthly payments.

Repair escrows are not permitted and all repairs must be complete prior to closing.   www.RonOrr.com

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(My Original Blog Post: http://ping.fm/PkmqU)
I found this site and just started using it.  www.webclassifieds.us  It's FREE to place an ad right now with 1 photo at this time. They charge for additional features much like Ebay does.  If you want to place FREE ads in many categories and get some exposure for your business, give this site a try. I believe it was listed #1 on google for organic results when I searched for free classified ads or some popular keyword string like that.  I placed a free ad for a contract for deed for real estate for a property for sale and put my website www.RonOrr.com as my site and some details about the property.  I market real estate, you can market in whatever category you want.  I had to register with an account, and get login info and also had to get an email to click a link to confirm my account.  Here are some of the categories at this time: Airplanes & Aircraft,Antiques & Collectibles,Art,Auto, Cars & Trucks,Boats,Books & Magazines,Business Opportunities,Clothing & Fashion,Computers & Internet,Electronics & Cameras,Employment,Events,Finance & Money,Food & Beverage,Health & Beauty,Home & Garden,Jewelry & Watches,Motorcycles,Movies, Music & TV,Musical Instruments,Pets,Real Estate,Services,Sporting Goods,Sports Memorabilia,Tickets,Tools,Toys & Hobbies,Travel,Video Games,Miscellaneous

www.RonOrr.com