Private Mortgage Lending guide. Invest in Real Estate without all the work. Get great returns secured by Real Estate. Tired of seeing your IRA or stocks lose money? Check this guide out!
1. Credit card issuer fraud losses remain well-contained at around $1 billion annually despite rising volumes, though total card-related fraud costs may exceed $16 billion due to additional stakeholders like merchants and consumers.
2. Purposeful data breaches targeting payment card data are a major challenge, driving a thriving secondary market in stolen card information and products.
3. Enterprise fraud management solutions aiming to leverage data across multiple products may provide improved detection, but organizational barriers remain as issuers seek added value from multi-product implementations.
Idc Worldwide Business Intelligence Tools 2008 Vendor SharesCezar Cursaru
The document provides an excerpt from an IDC report on the worldwide business intelligence tools market in 2008.
It discusses key trends in the market including continued spending by organizations of all sizes, stronger growth in advanced analytics vs query/reporting, and the evolving definition of BI software. It provides revenue and market share data for 2008 and growth rates for 2006-2008 for major vendors like SAP, SAS, IBM, Oracle and Microsoft. Specialty vendors still occupy 30% of the market.
This document summarizes a business case for strategy management solutions. It finds that strategy management solutions are a priority investment that can help companies effectively define objectives, associated indicators, and the strategies required to meet objectives. It lists benefits for both business and IT processes. The document then provides context by distinguishing strategy management solutions from other types of solutions like investment portfolio management, data integration, risk management, business intelligence, and predictive analysis.
Yphise Software Product Assessment, Strategy Management, December 2008Cezar Cursaru
SAS® Strategic Performance Management demonstrates its commitment to integrating nonfinancial and intangible objectives into enterprise performance management. SAS SPM provides an easy-to-use and easy-to-customize strategy management model that helps manage any kind of objectives. SAS also provides predefined templates according to compliance issues, risks, vertical sectors or business departments; these accelerate strategy definition.
Direct Mail & Automation for Real Estate InvestingSteve Londeau
This document outlines the real estate investing strategies and systems of Steve Londeau. He finds off-market deals through direct mail marketing and an automated process involving virtual assistants and an answering service. His system aims to automate tasks like mailing lists, lead intake, property research, and scheduling to scale his business while outsourcing non-essential tasks. The document provides examples of his direct mail campaigns and customer relationship management systems to demonstrate how he efficiently acquires and processes deals.
2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
Product Design Trends in 2024 | Teenage EngineeringsPixeldarts
The realm of product design is a constantly changing environment where technology and style intersect. Every year introduces fresh challenges and exciting trends that mold the future of this captivating art form. In this piece, we delve into the significant trends set to influence the look and functionality of product design in the year 2024.
1. Credit card issuer fraud losses remain well-contained at around $1 billion annually despite rising volumes, though total card-related fraud costs may exceed $16 billion due to additional stakeholders like merchants and consumers.
2. Purposeful data breaches targeting payment card data are a major challenge, driving a thriving secondary market in stolen card information and products.
3. Enterprise fraud management solutions aiming to leverage data across multiple products may provide improved detection, but organizational barriers remain as issuers seek added value from multi-product implementations.
Idc Worldwide Business Intelligence Tools 2008 Vendor SharesCezar Cursaru
The document provides an excerpt from an IDC report on the worldwide business intelligence tools market in 2008.
It discusses key trends in the market including continued spending by organizations of all sizes, stronger growth in advanced analytics vs query/reporting, and the evolving definition of BI software. It provides revenue and market share data for 2008 and growth rates for 2006-2008 for major vendors like SAP, SAS, IBM, Oracle and Microsoft. Specialty vendors still occupy 30% of the market.
This document summarizes a business case for strategy management solutions. It finds that strategy management solutions are a priority investment that can help companies effectively define objectives, associated indicators, and the strategies required to meet objectives. It lists benefits for both business and IT processes. The document then provides context by distinguishing strategy management solutions from other types of solutions like investment portfolio management, data integration, risk management, business intelligence, and predictive analysis.
Yphise Software Product Assessment, Strategy Management, December 2008Cezar Cursaru
SAS® Strategic Performance Management demonstrates its commitment to integrating nonfinancial and intangible objectives into enterprise performance management. SAS SPM provides an easy-to-use and easy-to-customize strategy management model that helps manage any kind of objectives. SAS also provides predefined templates according to compliance issues, risks, vertical sectors or business departments; these accelerate strategy definition.
Direct Mail & Automation for Real Estate InvestingSteve Londeau
This document outlines the real estate investing strategies and systems of Steve Londeau. He finds off-market deals through direct mail marketing and an automated process involving virtual assistants and an answering service. His system aims to automate tasks like mailing lists, lead intake, property research, and scheduling to scale his business while outsourcing non-essential tasks. The document provides examples of his direct mail campaigns and customer relationship management systems to demonstrate how he efficiently acquires and processes deals.
2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
Product Design Trends in 2024 | Teenage EngineeringsPixeldarts
The realm of product design is a constantly changing environment where technology and style intersect. Every year introduces fresh challenges and exciting trends that mold the future of this captivating art form. In this piece, we delve into the significant trends set to influence the look and functionality of product design in the year 2024.
Stark Builders: Where Quality Meets Craftsmanship!shuilykhatunnil
At Stark Builders our vision is to redefine the renovation experience by combining both stunning design and high quality construction skills. We believe that by delivering both these key aspects together we are able to achieve incredible results for our clients and ensure every project reflects their vision and enhances their lifestyle.
Although we are not all related by blood we have created a team of highly professional and hardworking individuals who share the common goal of delivering beautiful and functional renovated spaces. Our tight nit team are able to work together in a way where we pour our passion into each and every project as we have a love for what we do. Building is our life.
Dholera Smart City Latest Development Status 2024.pdfShivgan Infratech
Explore the latest development status of Dholera Smart City in 2024. Discover the progress, infrastructure, and future plans of India's first greenfield smart city.
AVRUPA KONUTLARI ESENTEPE - ENGLISH - Listing TurkeyListing Turkey
Looking for a new home in Istanbul? Look no further than Avrupa Konutlari Esentepe! Our beautifully designed homes provide the perfect blend of luxury and comfort, making them the perfect choice for anyone looking for a high-quality home in the city.
With a wide range of apartment types available, from 1+1 to 4+1, we have something to suit every need and budget. Each apartment is designed with attention to detail and features spacious and bright living areas, making them the perfect place to relax and unwind after a long day.
One of the things that sets Avrupa Konutlari Esentepe apart from other developments is our focus on creating a community that is both comfortable and convenient. Our homes are surrounded by lush green spaces, perfect for enjoying a peaceful stroll or having a picnic with friends and family. Additionally, our complex includes a variety of social and recreational amenities, such as swimming pools, sports fields, and playgrounds, making it easy for residents to stay active and socialize with their neighbors.
https://listingturkey.com/property/avrupa-konutlari-esentepe/
Serviced Apartment Ho Chi Minh For RentalGVRenting
GVRenting is the leading rental real estate company in Vietnam. We help you to find a serviced apartment for rent in Ho Chi Minh & Saigon. Discover our broad range of rental properties in Vietnam.
For more details https://gvrenting.com/
The SVN® organization shares a portion of their new weekly listings via their SVN Live® Weekly Property Broadcast. Visit https://svn.com/svn-live/ if you would like to attend our weekly call, which we open up to the brokerage community.
BEST FARMLAND FOR SALE | FARM PLOTS NEAR BANGALORE | KANAKAPURA | CHICKKABALP...knox groups real estate
welcome to knox groups real estate company in Bangalore. best farm land for sale near Bangalore and madhugiri . Managed farmland near Kanakapura and Chickkabalapur get know more details about the projects .Knox groups is a leading real estate company dedicated to helping individuals and businesses navigate the dynamic real estate market. With our extensive knowledge, experience, and commitment to excellence, we deliver exceptional results for our clients. Discover the perfect foundation for your agricultural aspirations with KNOX Groups' prime farm lands. These aren't just plots; they're the fertile grounds where vibrant crops flourish, livestock thrives, and unique agricultural ventures come to life. At KNOX, we go beyond selling land we curate sustainable ecosystems, ensuring that your journey toward agricultural success is seamless and prosperous.
Recent Trends Fueling The Surge in Farmhouse Demand in IndiaFarmland Bazaar
Embarking on the journey to acquire a farmhouse for sale is just the beginning; the real investment lies in crafting an environment that contributes to our mental and physical well-being while satisfying the soul. At Farmlandbazaar.com, India’s leading online marketplace dedicated to farm land, farmhouses, and agricultural lands, we understand the importance of transforming a humble farmland into a warm and inviting sanctuary. Let's explore the fundamental aspects that can elevate your farmhouse into a tranquil haven.
How Race, Age and Gender Shape Attitudes Towards Mental HealthThinkNow
Mental health has been in the news quite a bit lately. Dozens of U.S. states are currently suing Meta for contributing to the youth mental health crisis by inserting addictive features into their products, while the U.S. Surgeon General is touring the nation to bring awareness to the growing epidemic of loneliness and isolation. The country has endured periods of low national morale, such as in the 1970s when high inflation and the energy crisis worsened public sentiment following the Vietnam War. The current mood, however, feels different. Gallup recently reported that national mental health is at an all-time low, with few bright spots to lift spirits.
To better understand how Americans are feeling and their attitudes towards mental health in general, ThinkNow conducted a nationally representative quantitative survey of 1,500 respondents and found some interesting differences among ethnic, age and gender groups.
Technology
For example, 52% agree that technology and social media have a negative impact on mental health, but when broken out by race, 61% of Whites felt technology had a negative effect, and only 48% of Hispanics thought it did.
While technology has helped us keep in touch with friends and family in faraway places, it appears to have degraded our ability to connect in person. Staying connected online is a double-edged sword since the same news feed that brings us pictures of the grandkids and fluffy kittens also feeds us news about the wars in Israel and Ukraine, the dysfunction in Washington, the latest mass shooting and the climate crisis.
Hispanics may have a built-in defense against the isolation technology breeds, owing to their large, multigenerational households, strong social support systems, and tendency to use social media to stay connected with relatives abroad.
Age and Gender
When asked how individuals rate their mental health, men rate it higher than women by 11 percentage points, and Baby Boomers rank it highest at 83%, saying it’s good or excellent vs. 57% of Gen Z saying the same.
Gen Z spends the most amount of time on social media, so the notion that social media negatively affects mental health appears to be correlated. Unfortunately, Gen Z is also the generation that’s least comfortable discussing mental health concerns with healthcare professionals. Only 40% of them state they’re comfortable discussing their issues with a professional compared to 60% of Millennials and 65% of Boomers.
Race Affects Attitudes
As seen in previous research conducted by ThinkNow, Asian Americans lag other groups when it comes to awareness of mental health issues. Twenty-four percent of Asian Americans believe that having a mental health issue is a sign of weakness compared to the 16% average for all groups. Asians are also considerably less likely to be aware of mental health services in their communities (42% vs. 55%) and most likely to seek out information on social media (51% vs. 35%).
AI Trends in Creative Operations 2024 by Artwork Flow.pdfmarketingartwork
Creative operations teams expect increased AI use in 2024. Currently, over half of tasks are not AI-enabled, but this is expected to decrease in the coming year. ChatGPT is the most popular AI tool currently. Business leaders are more actively exploring AI benefits than individual contributors. Most respondents do not believe AI will impact workforce size in 2024. However, some inhibitions still exist around AI accuracy and lack of understanding. Creatives primarily want to use AI to save time on mundane tasks and boost productivity.
Organizational culture includes values, norms, systems, symbols, language, assumptions, beliefs, and habits that influence employee behaviors and how people interpret those behaviors. It is important because culture can help or hinder a company's success. Some key aspects of Netflix's culture that help it achieve results include hiring smartly so every position has stars, focusing on attitude over just aptitude, and having a strict policy against peacocks, whiners, and jerks.
PEPSICO Presentation to CAGNY Conference Feb 2024Neil Kimberley
PepsiCo provided a safe harbor statement noting that any forward-looking statements are based on currently available information and are subject to risks and uncertainties. It also provided information on non-GAAP measures and directing readers to its website for disclosure and reconciliation. The document then discussed PepsiCo's business overview, including that it is a global beverage and convenient food company with iconic brands, $91 billion in net revenue in 2023, and nearly $14 billion in core operating profit. It operates through a divisional structure with a focus on local consumers.
Content Methodology: A Best Practices Report (Webinar)contently
This document provides an overview of content methodology best practices. It defines content methodology as establishing objectives, KPIs, and a culture of continuous learning and iteration. An effective methodology focuses on connecting with audiences, creating optimal content, and optimizing processes. It also discusses why a methodology is needed due to the competitive landscape, proliferation of channels, and opportunities for improvement. Components of an effective methodology include defining objectives and KPIs, audience analysis, identifying opportunities, and evaluating resources. The document concludes with recommendations around creating a content plan, testing and optimizing content over 90 days.
How to Prepare For a Successful Job Search for 2024Albert Qian
The document provides guidance on preparing a job search for 2024. It discusses the state of the job market, focusing on growth in AI and healthcare but also continued layoffs. It recommends figuring out what you want to do by researching interests and skills, then conducting informational interviews. The job search should involve building a personal brand on LinkedIn, actively applying to jobs, tailoring resumes and interviews, maintaining job hunting as a habit, and continuing self-improvement. Once hired, the document advises setting new goals and keeping skills and networking active in case of future opportunities.
A report by thenetworkone and Kurio.
The contributing experts and agencies are (in an alphabetical order): Sylwia Rytel, Social Media Supervisor, 180heartbeats + JUNG v MATT (PL), Sharlene Jenner, Vice President - Director of Engagement Strategy, Abelson Taylor (USA), Alex Casanovas, Digital Director, Atrevia (ES), Dora Beilin, Senior Social Strategist, Barrett Hoffher (USA), Min Seo, Campaign Director, Brand New Agency (KR), Deshé M. Gully, Associate Strategist, Day One Agency (USA), Francesca Trevisan, Strategist, Different (IT), Trevor Crossman, CX and Digital Transformation Director; Olivia Hussey, Strategic Planner; Simi Srinarula, Social Media Manager, The Hallway (AUS), James Hebbert, Managing Director, Hylink (CN / UK), Mundy Álvarez, Planning Director; Pedro Rojas, Social Media Manager; Pancho González, CCO, Inbrax (CH), Oana Oprea, Head of Digital Planning, Jam Session Agency (RO), Amy Bottrill, Social Account Director, Launch (UK), Gaby Arriaga, Founder, Leonardo1452 (MX), Shantesh S Row, Creative Director, Liwa (UAE), Rajesh Mehta, Chief Strategy Officer; Dhruv Gaur, Digital Planning Lead; Leonie Mergulhao, Account Supervisor - Social Media & PR, Medulla (IN), Aurelija Plioplytė, Head of Digital & Social, Not Perfect (LI), Daiana Khaidargaliyeva, Account Manager, Osaka Labs (UK / USA), Stefanie Söhnchen, Vice President Digital, PIABO Communications (DE), Elisabeth Winiartati, Managing Consultant, Head of Global Integrated Communications; Lydia Aprina, Account Manager, Integrated Marketing and Communications; Nita Prabowo, Account Manager, Integrated Marketing and Communications; Okhi, Web Developer, PNTR Group (ID), Kei Obusan, Insights Director; Daffi Ranandi, Insights Manager, Radarr (SG), Gautam Reghunath, Co-founder & CEO, Talented (IN), Donagh Humphreys, Head of Social and Digital Innovation, THINKHOUSE (IRE), Sarah Yim, Strategy Director, Zulu Alpha Kilo (CA).
Trends In Paid Search: Navigating The Digital Landscape In 2024Search Engine Journal
The search marketing landscape is evolving rapidly with new technologies, and professionals, like you, rely on innovative paid search strategies to meet changing demands.
It’s important that you’re ready to implement new strategies in 2024.
Check this out and learn the top trends in paid search advertising that are expected to gain traction, so you can drive higher ROI more efficiently in 2024.
You’ll learn:
- The latest trends in AI and automation, and what this means for an evolving paid search ecosystem.
- New developments in privacy and data regulation.
- Emerging ad formats that are expected to make an impact next year.
Watch Sreekant Lanka from iQuanti and Irina Klein from OneMain Financial as they dive into the future of paid search and explore the trends, strategies, and technologies that will shape the search marketing landscape.
If you’re looking to assess your paid search strategy and design an industry-aligned plan for 2024, then this webinar is for you.
Stark Builders: Where Quality Meets Craftsmanship!shuilykhatunnil
At Stark Builders our vision is to redefine the renovation experience by combining both stunning design and high quality construction skills. We believe that by delivering both these key aspects together we are able to achieve incredible results for our clients and ensure every project reflects their vision and enhances their lifestyle.
Although we are not all related by blood we have created a team of highly professional and hardworking individuals who share the common goal of delivering beautiful and functional renovated spaces. Our tight nit team are able to work together in a way where we pour our passion into each and every project as we have a love for what we do. Building is our life.
Dholera Smart City Latest Development Status 2024.pdfShivgan Infratech
Explore the latest development status of Dholera Smart City in 2024. Discover the progress, infrastructure, and future plans of India's first greenfield smart city.
AVRUPA KONUTLARI ESENTEPE - ENGLISH - Listing TurkeyListing Turkey
Looking for a new home in Istanbul? Look no further than Avrupa Konutlari Esentepe! Our beautifully designed homes provide the perfect blend of luxury and comfort, making them the perfect choice for anyone looking for a high-quality home in the city.
With a wide range of apartment types available, from 1+1 to 4+1, we have something to suit every need and budget. Each apartment is designed with attention to detail and features spacious and bright living areas, making them the perfect place to relax and unwind after a long day.
One of the things that sets Avrupa Konutlari Esentepe apart from other developments is our focus on creating a community that is both comfortable and convenient. Our homes are surrounded by lush green spaces, perfect for enjoying a peaceful stroll or having a picnic with friends and family. Additionally, our complex includes a variety of social and recreational amenities, such as swimming pools, sports fields, and playgrounds, making it easy for residents to stay active and socialize with their neighbors.
https://listingturkey.com/property/avrupa-konutlari-esentepe/
Serviced Apartment Ho Chi Minh For RentalGVRenting
GVRenting is the leading rental real estate company in Vietnam. We help you to find a serviced apartment for rent in Ho Chi Minh & Saigon. Discover our broad range of rental properties in Vietnam.
For more details https://gvrenting.com/
The SVN® organization shares a portion of their new weekly listings via their SVN Live® Weekly Property Broadcast. Visit https://svn.com/svn-live/ if you would like to attend our weekly call, which we open up to the brokerage community.
BEST FARMLAND FOR SALE | FARM PLOTS NEAR BANGALORE | KANAKAPURA | CHICKKABALP...knox groups real estate
welcome to knox groups real estate company in Bangalore. best farm land for sale near Bangalore and madhugiri . Managed farmland near Kanakapura and Chickkabalapur get know more details about the projects .Knox groups is a leading real estate company dedicated to helping individuals and businesses navigate the dynamic real estate market. With our extensive knowledge, experience, and commitment to excellence, we deliver exceptional results for our clients. Discover the perfect foundation for your agricultural aspirations with KNOX Groups' prime farm lands. These aren't just plots; they're the fertile grounds where vibrant crops flourish, livestock thrives, and unique agricultural ventures come to life. At KNOX, we go beyond selling land we curate sustainable ecosystems, ensuring that your journey toward agricultural success is seamless and prosperous.
Recent Trends Fueling The Surge in Farmhouse Demand in IndiaFarmland Bazaar
Embarking on the journey to acquire a farmhouse for sale is just the beginning; the real investment lies in crafting an environment that contributes to our mental and physical well-being while satisfying the soul. At Farmlandbazaar.com, India’s leading online marketplace dedicated to farm land, farmhouses, and agricultural lands, we understand the importance of transforming a humble farmland into a warm and inviting sanctuary. Let's explore the fundamental aspects that can elevate your farmhouse into a tranquil haven.
How Race, Age and Gender Shape Attitudes Towards Mental HealthThinkNow
Mental health has been in the news quite a bit lately. Dozens of U.S. states are currently suing Meta for contributing to the youth mental health crisis by inserting addictive features into their products, while the U.S. Surgeon General is touring the nation to bring awareness to the growing epidemic of loneliness and isolation. The country has endured periods of low national morale, such as in the 1970s when high inflation and the energy crisis worsened public sentiment following the Vietnam War. The current mood, however, feels different. Gallup recently reported that national mental health is at an all-time low, with few bright spots to lift spirits.
To better understand how Americans are feeling and their attitudes towards mental health in general, ThinkNow conducted a nationally representative quantitative survey of 1,500 respondents and found some interesting differences among ethnic, age and gender groups.
Technology
For example, 52% agree that technology and social media have a negative impact on mental health, but when broken out by race, 61% of Whites felt technology had a negative effect, and only 48% of Hispanics thought it did.
While technology has helped us keep in touch with friends and family in faraway places, it appears to have degraded our ability to connect in person. Staying connected online is a double-edged sword since the same news feed that brings us pictures of the grandkids and fluffy kittens also feeds us news about the wars in Israel and Ukraine, the dysfunction in Washington, the latest mass shooting and the climate crisis.
Hispanics may have a built-in defense against the isolation technology breeds, owing to their large, multigenerational households, strong social support systems, and tendency to use social media to stay connected with relatives abroad.
Age and Gender
When asked how individuals rate their mental health, men rate it higher than women by 11 percentage points, and Baby Boomers rank it highest at 83%, saying it’s good or excellent vs. 57% of Gen Z saying the same.
Gen Z spends the most amount of time on social media, so the notion that social media negatively affects mental health appears to be correlated. Unfortunately, Gen Z is also the generation that’s least comfortable discussing mental health concerns with healthcare professionals. Only 40% of them state they’re comfortable discussing their issues with a professional compared to 60% of Millennials and 65% of Boomers.
Race Affects Attitudes
As seen in previous research conducted by ThinkNow, Asian Americans lag other groups when it comes to awareness of mental health issues. Twenty-four percent of Asian Americans believe that having a mental health issue is a sign of weakness compared to the 16% average for all groups. Asians are also considerably less likely to be aware of mental health services in their communities (42% vs. 55%) and most likely to seek out information on social media (51% vs. 35%).
AI Trends in Creative Operations 2024 by Artwork Flow.pdfmarketingartwork
Creative operations teams expect increased AI use in 2024. Currently, over half of tasks are not AI-enabled, but this is expected to decrease in the coming year. ChatGPT is the most popular AI tool currently. Business leaders are more actively exploring AI benefits than individual contributors. Most respondents do not believe AI will impact workforce size in 2024. However, some inhibitions still exist around AI accuracy and lack of understanding. Creatives primarily want to use AI to save time on mundane tasks and boost productivity.
Organizational culture includes values, norms, systems, symbols, language, assumptions, beliefs, and habits that influence employee behaviors and how people interpret those behaviors. It is important because culture can help or hinder a company's success. Some key aspects of Netflix's culture that help it achieve results include hiring smartly so every position has stars, focusing on attitude over just aptitude, and having a strict policy against peacocks, whiners, and jerks.
PEPSICO Presentation to CAGNY Conference Feb 2024Neil Kimberley
PepsiCo provided a safe harbor statement noting that any forward-looking statements are based on currently available information and are subject to risks and uncertainties. It also provided information on non-GAAP measures and directing readers to its website for disclosure and reconciliation. The document then discussed PepsiCo's business overview, including that it is a global beverage and convenient food company with iconic brands, $91 billion in net revenue in 2023, and nearly $14 billion in core operating profit. It operates through a divisional structure with a focus on local consumers.
Content Methodology: A Best Practices Report (Webinar)contently
This document provides an overview of content methodology best practices. It defines content methodology as establishing objectives, KPIs, and a culture of continuous learning and iteration. An effective methodology focuses on connecting with audiences, creating optimal content, and optimizing processes. It also discusses why a methodology is needed due to the competitive landscape, proliferation of channels, and opportunities for improvement. Components of an effective methodology include defining objectives and KPIs, audience analysis, identifying opportunities, and evaluating resources. The document concludes with recommendations around creating a content plan, testing and optimizing content over 90 days.
How to Prepare For a Successful Job Search for 2024Albert Qian
The document provides guidance on preparing a job search for 2024. It discusses the state of the job market, focusing on growth in AI and healthcare but also continued layoffs. It recommends figuring out what you want to do by researching interests and skills, then conducting informational interviews. The job search should involve building a personal brand on LinkedIn, actively applying to jobs, tailoring resumes and interviews, maintaining job hunting as a habit, and continuing self-improvement. Once hired, the document advises setting new goals and keeping skills and networking active in case of future opportunities.
A report by thenetworkone and Kurio.
The contributing experts and agencies are (in an alphabetical order): Sylwia Rytel, Social Media Supervisor, 180heartbeats + JUNG v MATT (PL), Sharlene Jenner, Vice President - Director of Engagement Strategy, Abelson Taylor (USA), Alex Casanovas, Digital Director, Atrevia (ES), Dora Beilin, Senior Social Strategist, Barrett Hoffher (USA), Min Seo, Campaign Director, Brand New Agency (KR), Deshé M. Gully, Associate Strategist, Day One Agency (USA), Francesca Trevisan, Strategist, Different (IT), Trevor Crossman, CX and Digital Transformation Director; Olivia Hussey, Strategic Planner; Simi Srinarula, Social Media Manager, The Hallway (AUS), James Hebbert, Managing Director, Hylink (CN / UK), Mundy Álvarez, Planning Director; Pedro Rojas, Social Media Manager; Pancho González, CCO, Inbrax (CH), Oana Oprea, Head of Digital Planning, Jam Session Agency (RO), Amy Bottrill, Social Account Director, Launch (UK), Gaby Arriaga, Founder, Leonardo1452 (MX), Shantesh S Row, Creative Director, Liwa (UAE), Rajesh Mehta, Chief Strategy Officer; Dhruv Gaur, Digital Planning Lead; Leonie Mergulhao, Account Supervisor - Social Media & PR, Medulla (IN), Aurelija Plioplytė, Head of Digital & Social, Not Perfect (LI), Daiana Khaidargaliyeva, Account Manager, Osaka Labs (UK / USA), Stefanie Söhnchen, Vice President Digital, PIABO Communications (DE), Elisabeth Winiartati, Managing Consultant, Head of Global Integrated Communications; Lydia Aprina, Account Manager, Integrated Marketing and Communications; Nita Prabowo, Account Manager, Integrated Marketing and Communications; Okhi, Web Developer, PNTR Group (ID), Kei Obusan, Insights Director; Daffi Ranandi, Insights Manager, Radarr (SG), Gautam Reghunath, Co-founder & CEO, Talented (IN), Donagh Humphreys, Head of Social and Digital Innovation, THINKHOUSE (IRE), Sarah Yim, Strategy Director, Zulu Alpha Kilo (CA).
Trends In Paid Search: Navigating The Digital Landscape In 2024Search Engine Journal
The search marketing landscape is evolving rapidly with new technologies, and professionals, like you, rely on innovative paid search strategies to meet changing demands.
It’s important that you’re ready to implement new strategies in 2024.
Check this out and learn the top trends in paid search advertising that are expected to gain traction, so you can drive higher ROI more efficiently in 2024.
You’ll learn:
- The latest trends in AI and automation, and what this means for an evolving paid search ecosystem.
- New developments in privacy and data regulation.
- Emerging ad formats that are expected to make an impact next year.
Watch Sreekant Lanka from iQuanti and Irina Klein from OneMain Financial as they dive into the future of paid search and explore the trends, strategies, and technologies that will shape the search marketing landscape.
If you’re looking to assess your paid search strategy and design an industry-aligned plan for 2024, then this webinar is for you.
5 Public speaking tips from TED - Visualized summarySpeakerHub
From their humble beginnings in 1984, TED has grown into the world’s most powerful amplifier for speakers and thought-leaders to share their ideas. They have over 2,400 filmed talks (not including the 30,000+ TEDx videos) freely available online, and have hosted over 17,500 events around the world.
With over one billion views in a year, it’s no wonder that so many speakers are looking to TED for ideas on how to share their message more effectively.
The article “5 Public-Speaking Tips TED Gives Its Speakers”, by Carmine Gallo for Forbes, gives speakers five practical ways to connect with their audience, and effectively share their ideas on stage.
Whether you are gearing up to get on a TED stage yourself, or just want to master the skills that so many of their speakers possess, these tips and quotes from Chris Anderson, the TED Talks Curator, will encourage you to make the most impactful impression on your audience.
See the full article and more summaries like this on SpeakerHub here: https://speakerhub.com/blog/5-presentation-tips-ted-gives-its-speakers
See the original article on Forbes here:
http://www.forbes.com/forbes/welcome/?toURL=http://www.forbes.com/sites/carminegallo/2016/05/06/5-public-speaking-tips-ted-gives-its-speakers/&refURL=&referrer=#5c07a8221d9b
ChatGPT and the Future of Work - Clark Boyd Clark Boyd
Everyone is in agreement that ChatGPT (and other generative AI tools) will shape the future of work. Yet there is little consensus on exactly how, when, and to what extent this technology will change our world.
Businesses that extract maximum value from ChatGPT will use it as a collaborative tool for everything from brainstorming to technical maintenance.
For individuals, now is the time to pinpoint the skills the future professional will need to thrive in the AI age.
Check out this presentation to understand what ChatGPT is, how it will shape the future of work, and how you can prepare to take advantage.
The document provides career advice for getting into the tech field, including:
- Doing projects and internships in college to build a portfolio.
- Learning about different roles and technologies through industry research.
- Contributing to open source projects to build experience and network.
- Developing a personal brand through a website and social media presence.
- Networking through events, communities, and finding a mentor.
- Practicing interviews through mock interviews and whiteboarding coding questions.
Google's Just Not That Into You: Understanding Core Updates & Search IntentLily Ray
1. Core updates from Google periodically change how its algorithms assess and rank websites and pages. This can impact rankings through shifts in user intent, site quality issues being caught up to, world events influencing queries, and overhauls to search like the E-A-T framework.
2. There are many possible user intents beyond just transactional, navigational and informational. Identifying intent shifts is important during core updates. Sites may need to optimize for new intents through different content types and sections.
3. Responding effectively to core updates requires analyzing "before and after" data to understand changes, identifying new intents or page types, and ensuring content matches appropriate intents across video, images, knowledge graphs and more.
A brief introduction to DataScience with explaining of the concepts, algorithms, machine learning, supervised and unsupervised learning, clustering, statistics, data preprocessing, real-world applications etc.
It's part of a Data Science Corner Campaign where I will be discussing the fundamentals of DataScience, AIML, Statistics etc.
Time Management & Productivity - Best PracticesVit Horky
Here's my presentation on by proven best practices how to manage your work time effectively and how to improve your productivity. It includes practical tips and how to use tools such as Slack, Google Apps, Hubspot, Google Calendar, Gmail and others.
The six step guide to practical project managementMindGenius
The six step guide to practical project management
If you think managing projects is too difficult, think again.
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Unlocking the Power of ChatGPT and AI in Testing - A Real-World Look, present...Applitools
During this webinar, Anand Bagmar demonstrates how AI tools such as ChatGPT can be applied to various stages of the software development life cycle (SDLC) using an eCommerce application case study. Find the on-demand recording and more info at https://applitools.info/b59
Key takeaways:
• Learn how to use ChatGPT to add AI power to your testing and test automation
• Understand the limitations of the technology and where human expertise is crucial
• Gain insight into different AI-based tools
• Adopt AI-based tools to stay relevant and optimize work for developers and testers
* ChatGPT and OpenAI belong to OpenAI, L.L.C.
The document discusses various AI tools from OpenAI like GPT-3 and DALL-E 2, as well as ChatGPT. It explores how search engines are using AI and things to consider around AI-generated content. Potential SEO uses of ChatGPT are also presented, such as generating content at scale, conducting topic research, and automating basic coding tasks. The document encourages further reading on using ChatGPT for SEO purposes.
1. Michigan Future
Investments Corp.
Private Lending Program Guide
This guide has been written by Michigan Future Investments
Corp. with the intent of providing useful information, tips, and
strategies to individuals who are considering entering into
private lending transactions secured by real estate.
3/1/2008
2. PROGRAM OBJECTIVES
ABOUT THIS GUIDE
This guide has been written by Michigan Future Investments Corp. with the intent of providing
useful information, tips, and strategies to individuals who are considering entering into private
lending transactions secured by real estate. This guide assumes a basic level of understanding of
the terms, processes and documents involved with private lending transactions. Note: For your
convenience, we have included a glossary of key investment terms towards the back of this guide.
According to U.S. Census Data, there are over half a million outstanding private mortgages
involving seller financing or private lending in the nation. One reason for its popularity is that it
provides compelling benefits for both the lender and borrower. If executed efficiently and
professionally, private lending transactions can be a safe and smart investment, one which results
in a win-win financing arrangement for both the lender and the borrower.
1.
Disclaimer:
Please carefully consider Michigan Future Investments Corp's investment objectives, risks, and associated costs or expenses
before investing. Real Estate investments are not guaranteed or insured and past performance is not a guarantee of future
performance. Please ask questions and ask for more information before considering any investment.
3. 2.
OVERVIEW
ABOUT MICHIGAN FUTURE INVESTMENTS CORP
Steve Londeau Jr. has been actively engaged in buying and selling real estate in
Michigan since 2006. He has been in the real estate industry in some capacity since
1998. He originally began investing in Real Estate individually and then within his
various business entities.
John Cole has been actively investing in real estate in Michigan since 2004. He is a
licensed Realtor in the State of Michigan. He also began investing in Real Estate
individually and then founded the company with which he invests now.
John and Steve saw a strategic opportunity in the market to expand their firms'
core competencies to drive growth through establishing multiple services to the
real estate community. Michigan Future Investments Corp. provides consulting for
area investors, information and products for investor education, as well as its home
investment roots.
The company is in the business of locating single family homes, acquiring them, completing necessary repairs/remodeling if
needed, and reselling for profit. Due to our extensive marketing efforts in most instances we are able to buy properties at
wholesale prices at discounts of 35%-65% below retail market prices for comparable homes.
Michigan Future Investments is based in Lapeer, MI and focuses on the Southern Lapeer County area, Northern Macomb and
Oakland Counties. The strong focus on solving each customer’s needs has been a proven advantage to the company's success
within the community.
Company founder
2008 COMPANY OBJECTIVES
and President
John Cole.
• Depending on the location of a property, the company may look to
hold a property for monthly cash flow income or appreciation
or sell the property quickly for profit. Some homes are short-term
financed (6 months) during the fix-up period and then the lender is
refinanced out (unless they are interested in longer term financing).
Other homes are financed for 2-3 years depending on those specific
deals' needs.
• Most of the homes we buy, we sell to other investors at a discount, we
renovate and resell, or we sell with an owner financing program.
• The company's goal for 2008 is to acquire and resell 3 properties each
month.
• The company typically pays cash to sellers to attain bargain prices. To
finance the acquisitions and remodeling of the properties, Michigan
Future Investments Corp, Inc. will rely on a network of private lenders to
fund the projects.
4. 3.
WHY WE UTILIZE PRIVATE FUNDS
HOW WE CAN BORROW AT HIGH RATES
We make it possible to acquire good deals on houses because the funds were
available from private lenders that would not be available from banks. If a Real
Estate Investor can get skilled at locating great deals on houses, many times the
bank wants to loan on the purchase price and not the value of the house, thus
penalizing him/her for being an astute Real Estate Investor. Having the money
available will make or break the deal and paying a higher interest rate is irrelevant
compared to .....
THE LAW OF TIMELINESS ...
It's Not the Cost of Money That Counts, It's the Availability.
If Money is Not Available Quickly.
The Loss of Thousands of Dollars in Profit Results.
WHAT KIND OF LOANS ARE PRIVATE MORTGAGE LOANS
Let's clarify what kind of loan a private mortgage is. It is a loan that you make to a Real Estate Investor and in turn your loan is
secured by the actual property that the Real Estate Investor purchases. That gives you security. I'm not talking about high loan-to-
value loans the banks and mortgage companies make on homes. We deal with very low loan-to-value (LTV) loans. By that, I mean
no higher than 85% of the value of the property securing the loan. Our typical LTV is 50% to 80%. That gives you additional
security. This means if a house appraises for $100,000, we could buy it for $70,000. That's a 70% loan-to-value. It's obvious why
this is a much safer approach than most lending institutions take. The banks make loans at a 90%, 95%, or even 100% loan-to-
value ratio. Banks just don't have any cushion. You, as a lender, won't lend more than 50% to 85% LTV regardless. You should
never make a loan without a 15-50% safety net. We don't violate that rule, so you come out a winner.
5. 4.
KEYBENEFITS
HOW WE CAN BORROW AT HIGH RATES
• You receive the same paperwork and the same protection that the banks provide when they make a loan.
• It is possible to get much better interest rates then the bank.
• Aren't the banks doing great? You will do even better than the banks through receiving the same protection but higher
returns and better security (ex. 80% LTV loans)
Do you know what $25,000 is worth in five years compounded at a 3% yield? It's worth $29,040. But now let's take that
same $25,000 and invest it for the same five years at 12% simple interest instead of 3% compounded. Now it's
grown to an amazing $40,000! That's a $10,960.00 Difference - Simply by Upping the Yield from 3% to 12% ............................
THAT'S AN EXTRA $2191.80/year
INCREASE YOUR YIELD ... EARN 12% INSTEAD OF THE AVERAGE 2-4% INTEREST
Take a look at the following chart based on a 5 year period.
AMOUNT 3% Compounded 12% Simple Net Increase
$10,000 $11,616 $16,000 $4,384
$25,000 $29,040 $40,000 $10,960
$50,000 $58,081 $80,000 $21,919
$100,000 $116,162 $160,000 $43,838
These numbers are huge when you consider that in the above example the interest earned on the 12% investment could be
invested to begin earning 12% too!!!!
REAL PEOPLE. REAL PROFILES.
enjoyed visiting the project site when he was in town to
Tim was looking for an alternate solution to investing his
see hands-on just how efficiently we were utilizing the
retirement cash in a money market account at 3%. The
funds.
stock market had been unstable and he knew that there
had to be a better way.
After the project was completed, Tim was very pleased
We had a renovation project coming up that would be with the $3500 that he had collected in interest just for
ideal for an investor to fund and earn a great return on it. funding the deal.
Tim was given a promissory note and a first lien on the
property through a recording at the court house. He was
very pleased as we gave him routine updates on how the
project was progressing. He also
6. SOURCES OF CAPITAL FOR INVESTMENT
INVESTING THE·EQUITY IN YOUR HOME
Your home is an untapped resource for your investment portfolio. Many homeowners do not realize the potential that their
idle equity can bring to them. You can obtain a Home Equity Line Of Credit (HELOC) for, on average, around 3.9% then lend
that money out via our program for 10-13%. That is a yield spread of 8-10 percentage points! Let's look at some examples:
1. Equity in your home is $20,000, Your Extra Income: $116 per month or let it accrue
2. Equity in your home is $40,000, Your Extra Income: $232 per month or let it accrue
3. Equity in your home is $60,000, Your Extra Income: $348 per month or let it accrue
INVESTING WITH YOUR IRA
Shouldn't your IRA be earning money at healthier rates for your retirement (secured) than 3%-4% returns? Why gamble
with stocks?
We'll help you convert your IRA's to Self-Directed IRA's for Real Estate investing through Equity Trust Corp.
http://www.trustetc.com/real-estate-ira/real-estate-ira.html
INVESTING SAVINGS, CD'S OR EXTRA INCOME
Would you like your money to be earning interest at much healthier rates than 4%- 5% returns offered by Money Markets
and CDs?
1. Home Value $100,000, Your Investment: $75,000 (75% of value), Your
Return: 12%
2. Home Value $80,000, Your Investment: $50,000 (63% of value), Your
Return: 12%
3. Home Value $170,000, Your Investment: $136,000 (80% of value),
5.Your Return: 12%
7. 6.
POST CLOSING PROCESS
CLOSING
PAYMENTS OR LET IT ACCRUE
THE WEALTH BUILDING PROCESS
PERIODIC PROGRESS
Growth over time.
UPDATES
FINAL LOAN PAYOFF
DISCUSS NEW INVESTMENT
OPPORTUNITIES PROJECTS
LEARN MORE ... WHAT IS A PROMISSORY NOTE?
A Description of the Repayment Plan: This section
A promissory note is a legally-binding promise to repay a
spells out the schedule of due dates and payment
specified amount over a specified period of time. It is a
amounts to which the borrower is agreeing. Most pay-
legal document which includes:
ments are the same amount due on a pre-specified date
every month (known as an amortized schedule). Or, the
A Description of the Debt: The key element to a
payments may accrue interest month over month and be
promissory note, this is usually the first section and
paid at the end of the loan.
contains a detailed description of the debt, clearly
Note: Promissory notes also contain numerous other
identifying the borrower, lender, the loan amount, and
clauses which are less important but are still required to
the interest rate to be paid. The promissory note obliges
establish the various rights and obligations of each party.
the borrower to the debt, and the obligation becomes the
borrower's personal liability.
8. 7.
FREQUENTLY ASKED QUESTIONS
Why does it make sense to have passive investments in real estate?
Most people go through life letting others make decisions for them and they are not in control of how their money is invested or
what it earns. That means they'll never really know if what their investing in will give them enough of a return to take care of their
future, their family, the kid's college, or their retirement. Because of that, they're playing guesswork games with their money and
hoping they'll get in or out at the right time and it's virtually impossible to always make the right decisions. By becoming a
private lender who invests passively in real estate, we offer 10%-13% fixed returns, safely secured by real estate. Since your
returns are fixed, that means they never change. They'll also be much higher than CD's, money markets, commodities, and most
stocks and mutual funds.
What is private lending?
Once we started making money buying, selling and holding single family houses, we realized we had a lot of friends and family
members that were tired of the ups and downs of the stock market. We discovered a method of working with them as a silent
partner on our real estate investments by putting their investment capital to use by lending it to us at much higher returns
secured by the houses we were buying. We needed small amounts of capital to buy houses and do small renovations so we could
sell the properties and make a profit. You see we needed to act quickly to get good deals that came along every week and we didn't
want to deal with banks because they would limit the amount of deals we could do. Since our friends had investments that were
getting low, inconsistent, risky and unsecured returns, it gave them an opportunity to make more money without losing sleep at
night watching the stock charts. Investing with us, they had a completely hands off way of earning 10%-13% fixed returns, safely
secured by real estate. Since their returns were fixed and never changed, it allowed them to plan and make better decisions with
their future.
Can I use my I.R.A. or 401 k to lend from?
Absolutely; in fact, that's what most of our investors do. You must be in control over where your investments go from your I.R.A.
or 401K, and you can take any old I.R.A. or 401K that you have and roll it over in to a self-directed I.R.A. There's no penalty for
doing this because you're not taking a distribution, you're simply changing the Administrator to one that allows you to self-direct
where the funds go. Doing it this way, you can make all of your gains tax deferred without counting on someone else to get you
10%-13% fixed returns day in and day out. The company we use and most people use is Equity Trust Company. You can get a
FREE Information Packet via their website at www.trustetc.com to learn how simple it is to do. You simply fill out a form and send
them your last statement; they'll do the rest and bring your funds to your new account. The entire process only takes
approximately two weeks.
Why would an investor be willing to pay such high returns?
The availability of the short term capital was more important than the cost. We needed to move quickly to purchase from sellers
who are willing to happily and eagerly give us equity in homes for FREE in exchange for peace of mind or debt relief and we didn't
have time to go through banks because the process just takes too long. Also, since we are buying properties with large amounts of
equity in them, it allows us to give away a portion of our profits back to you through repaying the original loan amount plus a
generous interest on top of it. By the way, if you use a credit card, pull it out and look at the interest rate you pay. Every time you
use it, you're putting the availability of the funds ahead of the short term cost just like we do when we buy and sell houses.
Are high interest loans like this new to real estate?
Absolutely not! This is a multi-billion dollar industry that has been around for decades. There are companies out there like the
Money Store, Household Finance, Beneficial, Ford Credit and numerous others. Their niche is to lend money to homeowners who
typically use the money for home improvements or even loan consolidations. The loans are secured by a Second Mortgage on the
property. Our niche is to borrow the money the same way, except we'll use it only for the funding necessary to buy, renovate and
carry the property until we sell it; also secured by a mortgage against one property.
9. 8.
FREQUENTLY ASKED QUESTIONS (CONT.)
How is the private lender protected when they lend money?
First off, your money will never be pooled; you'll have one mortgage secured against one property. That means there will always
be a very large hedge factor between what you loan and the available profit or equity in the house. We are serious investors who
have been certified with over 1000 hours of training on Buying and Selling Houses, Marketing, and Business Management. In
addition to that, there are also four key items that secure your investment each time you lend:
A PROMISSORY NOTE which states the exact fixed return that you will receive. Whatever the note says is what you'll
receive.
A MORTGAGE (security deed, deed to secure debt, or trust deed) will be created by the real estate attorney, Title Company,
or escrow agent to put the property as collateral for your loan. That means you will have a lien on the property and I cannot
sell it without paying you off.
• A Lender's TITLE INSURANCE POLICY will protect you against any title issues or claims that may arise.
A Hazard INSURANCE POLICY will be in place for your protection in case of an unexpected catastrophe or problem.
Also, since there is such a large hedge factor in the amount of funds that you lend versus the equity in the property, even if
something happened to us, you can always sell the property and make more than you'd make off the interest.
Who handles all of the paperwork?
A real estate attorney, Title Company or Escrow Agent will handle all of the paperwork. You'll send your funds directly to their
office and make them payable to them. The Closing Agent won't disperse any funds until all of the documents that secure your
investment are in place and signed off on. They'll create the promissory note that states the terms of your loan, the mortgage
instrument that gives you collateral, and the title insurance policy. We'll also send you a copy of the Hazard Insurance Policy. It is
customary that we, as the Borrower, will pay for all of the closing costs to secure your investment. It is usually just deducted from
what you lend us. You'll get the original note signed off by us, your Borrower that day, as well as a copy of your title insurance
policy. You'll receive a copy of the mortgage that day, and then once it is filed in the county and recorded in the Deed Books; you'll
get a stamped copy in the mail a few weeks later. By the way, the only person that needs to sign anything is us, as the Borrower, so
you do not even have to go unless you want to. Keep in mind that you're always welcome to go to closing if you want to.
Do I have to collect payments on these loans?
No you don't. When you tell us that you're ready to make more money, we'll ask you the following: Are you looking for the highest
growth return possible, or are you looking to get cash flow from this investment? If you are looking for the highest return possible,
then you can agree to just let the interest accrue every month. That means there will be no interest payment until the house is
sold. Then you will receive the original loan amount back plus all of the interest. If you are looking for cash flow, I can set it up
where an escrow company collects and tracks the payment for you. It is customary that I pay for the Escrow Company and not you.
By the way, if you use the self-directed IRA through Equity Trust, they can collect payments for you for a small monthly fee that I
as your Borrower will pay.
Do these loans pay down or are they interest only?
Typically the loans are interest only. That means none of the monthly interest goes towards your principal loan amount and you
earn interest on top of interest every month. If you want to, you can do an amortizing loan where some of each month's payment
goes towards the principal balance and the rest goes towards interest. You'll make more money if you do interest only.
10. 9.
FREQUENTLY ASKED QUESTIONS (CONT.)
How long are the typical loans, and how much do I need to invest?
The length of the loan and the amount you invest are what you say. You get to create the rules since you are the Lender. Typical
loans range from 6-60 months and all of them are due upon the sale of the house where a new buyer gets a new loan. You can
invest as little as $10,000. Most loans range from $10,000 to $200,000 depending on the property. By the way, if you ever lend and
then need to pull your capital back out, there are no fees for early withdrawal. Just tell us that you need to get out and give me 45-
60 days to make it happen. We'll either cash you out ourselves, or we may even replace your private loan with another one. When
you get your money and interest back, you'll have to sign a Satisfaction and/or Quit Claim Deed to clear your lien against the title.
Is private lending really a safe investment?
In our opinion it's much safer than the stock market because you have no ups and downs to worry about. You might make money
in the stock market one month or one year, and then get wiped out the next. When it's all said and done most people get returns
that barely keep up with inflation. By investing in real estate, you won't be gambling on Companies that you have no control over
or know little about who is running them. Your investment loans are safely secured by real estate, you'll get fixed returns of 10%-
13% that never change, there are no fees or commissions, no early withdrawal penalties, and there will be large spreads or hedge
factors of equity versus your investment. You'll just need to use common sense and take a look at what the property is worth,
what's owed and what you're lending. Remember, you don't have to put all of your investment funds into real estate; but it's a
great place to get consistent, predictable and reliable returns.
I keep hearing how bad the Real Estate market is; should I get into Real Estate in such a bad
market?
Absolutely, despite what you’ve heard, now is the BEST time to get into the private lending business. Baron Philippe de Rothschild,
ever an opportunist, is said to have advised, “Buy when there’s blood in the streets.” Investors like Warren Buffett do just that all the
time. Hedge funds have been set up specifically to take advantage of carnage in the markets. Our company is routinely buying homes
at steep discounts, and marketing for buyers. We currently have a buyers list that is well over 100 families; so many, in fact, that
we intend to grow substantially in the next year – just to keep up with the demand. There has never been a better time to buy Real
Estate. Our expertise and your willingness to help us fund the deals will make both of us a great return on our investments. Call us
today!
How do I get started?
Just contact us and tell us when you're ready to get started making more money. We'll take you to lunch or dinner so we can
discuss the amount you have available to lend, the interest rate, and the length of the loan. Our job will then be to go out and find a
property that matches your needs. When we do, you'll arrange for the funds to be sent to the attorney or title company. A closing
will be set up at the attorney or Title Company's office and you can sit back and watch your investment grow. You'll get fixed
returns that never change, that are safely secured by real estate.
11. 10.
GLOSSARY OF TERMS
LOAN- TO-VALUE (LTV):
A lending risk ratio calculated by dividing the total amount for the mortgage or loan by the appraised value of the property.
Ex.) Holding a mortgage for $70,000 on a home appraised at $100,000 would be a 70% LN.
AFTER REPAIRED VALUE (ARV):
The worth of a property after all identified repairs have been completed.
PROMISSORY NOTE:
A document signed by a borrower promising to repay a loan under agreed-upon terms. This can also be referred to as a
note.
DEED OF TRUST:
The document used in some states instead of a mortgage. Title is conveyed to a trustee rather than to the
borrower.
TITLE INSURANCE:
Insurance to protect a lender or owner against loss in the event of a property ownership dispute.
HAZARD INSURANCE:
Insurance that covers property damage caused by fire, wind, storms, and other similar risks. Sometimes earthquakes and
floods are also covered, while other times they are not.
MORTGAGE:
A loan to finance the purchase of real estate, usually with specified payment periods and interest rates. The borrower
(mortgagor) gives the lender (mortgagee) a lien on the property as collateral for the loan.
SECOND MORTGAGE:
A mortgage on real estate which has already been pledged as collateral for an earlier mortgage. The second
mortgage carries rights which are subordinate to those of the first.
LIEN:
A legal claim against an asset which is used to secure a loan and which must be paid when the property is sold. Liens can be
structured in many different ways. In some cases, the creditor will have legal claim against an asset, but not actually hold it
in possession, while in other cases the creditor will actually hold on to the asset until the debt is paid off. The former is a
more common arrangement when the asset is productive, since the creditor would prefer that the asset be used to produce
a stream of income to payoff debt rather than just held in possession and not used. A claim can hold against an asset until
all the obligations to the creditor are cleared (a general lien), or just until the obligations against that particular assets are
cleared (a particular lien).
12. 11.
CONCLUDING COMMENTS
We hope that you have found this guide helpful and that we have demonstrated the benefits of the awesome power of making
private mortgage loans. If it appeals to you, you can get started right now. While most people are complaining about the low rates
they are getting on their CD's and other low paying investments, you could be receiving a return of 10-13% secured by real estate.
Are You Now Ready to Take Action?
Don't let other people control your money so you only get a return that barely keeps up with inflation. Take control and make sure
that when you get ready to retire, you can do what you want without worrying about money, and if you are retired, squeeze every
interest dollar out that you can.
Private lending is an incredible way to build wealth in a hurry that most people aren't aware exists. If you have more questions
please give me a call. Perhaps we can get together for lunch or just chat on the phone. Michigan Future Investments Corp would
love to work with you to build a long-term partnership to fulfill your investment needs. Do not hesitate to contact us if you have
additional questions or if you have suggestions for future editions of this guide.
Call Us to Setup a Consultation
Discuss your investments goals and objectives with Steve Londeau who can help you structure a private lending solution that best
fits your needs at:
Call (Direct):
734-272-7004 for
Steve
or
513-515-0648 for
John
visit www.mynewcave.com
Sincerely-
Steve Londeau
Vice-President
Michigan Future
Investments Corp.