#Going to have to email HOA soon - the one thing its good for

[everyywishhcountss]

Ramblings of 25

It has been a long time since I have wrote to you, whomever you may be. Perhaps my older, wiser self, at a much later point in my life. Tonight, another sleepless and tear filled night, I write to you. I’ve accomplished many things since we last connected, finding myself at a completely different place in my life. And yet, unfortunately, some things remain very much the same.

I find myself troubled and unable to sleep, tonight. Yet again. My thoughts will not be snuffed even while I lay with the intent of sleep and the hope to obtain rest. For this reason, I fail myself most nights when attempting to sleep. I can thank my poor, persistent mind for this. I find myself sleeping alone more, which unfortunately no longer helps. For a bit, when the snoring, barking, and routine were silenced, I could sleep. Almost never a good, deep sleep, but sleep nonetheless. Now, I find myself alone with my thoughts, which awakens me far more than the other distractions ever have.

Tonight my restless mind wanders to family and superficial nuisances. I will start with regards to family. I’m recently married and will obtain a new last name along with the burdens it carries. Those burdens, perhaps, are those I associate with the name, not necessary ones that all who bear it share. It has been over three months since our union and legally my name remains the same. Given the current climate of the virus and the universal shutdown, it has taken us longer to set legal changes into effect. But it would be merely an excuse, a lie even, to say that is why the process has been stalled. I hate this family. I suffer great hesistancy and resent to brand myself with this name because of the others who are associated with it. I want to bear the name for my husband because it is his, therefore I want it to be mine and our children’s. But taking on this name, signing it daily, makes my heart hurt for many more reasons than I care to admit. What a conviluded and diabolical family associated to this name, so many factions, opinions, expectations...and so much hurt. Marrying the man, the love of my life, was the easy part. Our life together, the laughter, love, travel, planning for the future; that is so beautifully easy. It gets complicated when those surrounding this name, this family, comes into play. Which, happens far more than it doesn’t.

I find it very hard to breathe when forced with situations where I have to be unfaithfully pleasant. I am a very blunt person, but respectfully so. I have a very strong character, which deters and poses as a threat to many. In this family, I have been blacklisted for this very same reason. Since day one I have done nothing but take the responsibility of, and allegiance to my husband, very seriously. My love for him makes my fierce innate loyalty that much easier, but it also enables my conviction of those who hurt him. As painful as it is for him, it also hurts me to admit that his family is insufferably cruel and without remorse. Experiencing this for the longer part of 9 years has taken a great toll on me. As well as it has on him, his whole life. Defending him, protecting him, loving him through the pain has all been so extremely worth it, but grave. It is an impossible battle, position within the family, and life that I have assumed. Tireless, indignant, unreproachful, this reality is. In the beginning, so they’ve recently mentioned, I tried too hard to be a part of the family. I was welcomed by exclusivities, snye remarks, and distasteful conversations. This distaste they held for me, morphed into something much more stronger when they witnessed the strength of my character, our relationship, and their future. Brazen conversations with my husband alone became a theme amongst many members of the family to manipulate me out of the picture, rude interactions- corrrections even began happening to my face in front of many. This test only strengthened and solidified our bond, but in no way made it easier for our relationship within the dynamic of the family. Then it became the accusation that I wanted nothing to do with the family. For I am believed to be “taking him away” and poorly influencing him “to be too independent”, as if creating a life together that does not center around them, is unreasonable. Especially after years of volatile discord. Lashing out at both of us soon commenced. After a time, of many actions on both sides, fakeness became decided upon. Only lapsing to hurt us, when it really counted. Reason, logic, reasonable effort has been made to amend and create anew a dynamic that includes us. But to no avail. So, here I sit before you a married woman, at a crossroads and an impass of emotion. I’ve done well to navigate this life thus far, on my own. Yet, here I sit feeling that same way, though I shouldn’t be, alone.

My husband is a beautiful man, inside and out. The kindest soul, biggest heart, funny, impulsive, dependable, witty, but far too dependent on others and eager to please. I accept his faults, and love him even more so for them. In this particular context, the dependency and need to please and gain approval from him family, even given all they’ve done- bewilders me. It consumes me because I cannot understand it. Some would think that to be my fault, because I’ve not known my own family in a long time. But, I’ve known and experienced many families because of that harsh reality. Through friendships and prior relationships, I’ve seen a lot. And yet this family, has me thoroughly confused.

The animosity within, and for those outside of the family is troubling. They mean to paint a picture for those beyond the immediacy of themselves, and through their devotion to uphold that image they neglect and break each other. Never truly addressing the issues at bay, and forever complying with the roles they’ve assigned. Unfortunately, for my husband, he’s been awarded the doormat of the family. The middle child, the butt of every joke. For a very long time, he alike the others, fell in line with the position awarded to him. When he met me, I think he learned, very slowly and thankfully, how he should be loved, cared for, treated, and respected. He learned that having an opinion and sharing it was okay. Disagreeing on things, being different, was okay. Desiring for things, wanting things for himself, was okay. That who he is, wanted to be, will be will always be okay and supported. And that he would be loved, without anything in return. That love and loyalty is not a transaction, but a promise, a vow. Something he should have known, long before me. Nevertheless, as realization set in for him, discord and anger did as well for his familial counterparties. As they’ve worked together to uphold an image, they also unified to cast me out. As my husbands family went to war with my husband, they learned that he was not as blindly allieged as they’d thought. And I learned, that my husband has never truly stopped seeking their approval or naively wishing they’ll change. For every time an exchange with them goes smoothly, he sees that as an instance they’ve changed. A step in the right direction, finally. And whilst, as they always do, follow up with something exhaustingly cruel or hurtful after, that beautiful man tries to see the good. For this, as I said previously, I do love him. I am sometimes, too harsh a judge, or too quick to be rid of someone or something. I adore that we are different in that way. I had to be fierce, strong, and sure to survive, while my husband was allowed to grow to love people, become personable, and award the benefit of the doubt. But it pains me, to consistently watch the yo-yo action of his heart at the hands of his family. I do not understand the need to love and belong to people who hurt you. View you as lesser than, and unapologetically project that opinion. Toxic people are just that, toxic. I learned that very quickly, very young. In my eyes, family can be just as, if not more, toxic to a person than an outsider.

The manipulation, the lies, secrets, misdoings, will never go unchecked in my eyes. The count carries a heavy burden on my shoulders, which I happily carry for my husband. Enduring, however, is the part I struggle with. Clearly, sleeplessness is a result. One that I’ve become all too familiar with, yet again. Whether its wading through the requests, brushing off another comment or speculation, dreading an encounter, or simply wishing for an easier situation, this family is exhausting. I’m tired, I love my husband, and I didn’t marry his family.

On another note, the other nuisances that I’m left thinking of at 4AM. The HOA of our townhouse complex, is persistently bored with their lives and prides themselves on diving into the other residents’. For example, they are in the process of revisiting some of the deeds and restrictions submitted to the authorities as they are ancient, outdated, and unrealistic- of which they agree. One being, the ability to place the trash and recycling bins In front of our homes. The restrictions say that they may not, however, this is unrealistic because in order to place, or retrieve them, from the backyard we would have to escort them to and from all the way around the strip of townhomes. They have acknowledged the excessive nature of this restriction, and sent an email offering the solution of paving the spot where they reside in the front of the house with cement. Mind you, they reside there now, tucked away from the line of sight of the side of the house on maticulously places lattice. No grass grows there due to the high traffic of the bins. And yet, the board offered only the solution of paying 700 dollars to lay concrete over the area in order to have them reside there. And refused to produce the language of the original restriction to see if it mentions the surface the bins reside on or if it simply states they cannot be there. Another instance, we love Christmas. We often leave our Christmas decor up until it comes time to decorate for our birthdays. We received an email stating that the holiday season has been concluded for some time and that the immediate removal of the porch decor (a wreath and some jelly words on the glass door) has been requested. Now, is this a matter of preference, someone complains because they don’t want to see a few decorations of Christmas anymore or again is there specific language to back this up? Is it worth the fight? What troubles me is the tone and demanding nature of the requests, as if because they requested it, it needs to be done without exception or objection. As a young, but grown woman, I don’t remember being told, or agreeing, that I needed to obide or head to anyone other than my parents. We pay our monthly fees, partake in votes as requested, but these feeble matters of interpretation and opinion, that arise because a “board” of retired individuals have nothing better to do, is rather frustrating. I would just like to be left alone. No drama, no demands, to my routine with my husband and without the stress that often keeps me from enjoying the rest that sparsely comes when I intentionally put myself to bed, and can actually sleep.

[bettydgunter90]

The Land Flipping Lifecycle

Several years ago, I discovered a fascinating page on Landlordology.com called The Landlord Lifecycle.

This was something my friend Lucas Hall told me about, and I thought it was a pretty brilliant way to map out the process that all self-managing landlords have to understand when starting and building their rental property portfolio.

It got me thinking… what if I created something like this for the land investing business? Perhaps a similar roadmap could help clarify things for those who are still trying to get their arms around how this business really works, and whether it’s something they want to pursue.

So if you’ve ever wondered what the typical “lifecycle” looks like for a raw land deal, I spent some time putting together a detailed framework for all the aspiring land flippers out there, in an effort to make it abundantly clear how the process works.

Of course, this is just one model that can be followed. This is the way I do it, but not every land investor goes through these exact motions (though from what I’ve seen, most of us follow a pretty similar set of steps). As I’ve been working in this business over the past decade, this is the most systematic and sustainable way I’ve been able to nail down so far.

Step 1. Market Research

When you’re starting from square one, it’s wise to look at several markets before you hit the ground running. There are plenty of acquisition opportunities in most markets, but not every market has the same types of properties available at the same price range. Every area will produce a slightly different response to your marketing efforts.

To the extent possible, define what your ideal property looks like (e.g. – size, uses, zoning, location, value, etc.)

Establish your budget for marketing and acquisition.

Identify any state and local laws that may apply to vacant land transactions.

Determine whether you intend to sell for cash or with seller financing (or both).

Find out what property information is available from the county and/or your data service of choice.

RELATED: Finding Your Best Market for Land Investing

Step 2. Direct Mail Marketing

There are many ways to find real estate deals, but when it comes to vacant land, direct mail is widely considered to be the most efficient and cost-effective way to find motivated sellers. The success of any direct mail campaign has everything to do with your ability to find the right data, organize it adequately and send a compelling message to the right people.

Determine where you’re going to get your list of property owners (the county or a data service).

Get your list filtered and sorted for the best possible response rate.

Upload your list and direct mail piece to a direct mail service provider and send the mail!

RELATED: How I Find Motivated Sellers (And Get Them Calling Me)

Step 3. Process Leads & Make Offers

As the responses come in from your direct mail campaign, make sure you have the right systems in place to manage those inbound calls, emails and website submissions. You’ll also need to make sure you’re getting the right information as you move into your due diligence on each property.

Set up a phone system (and preferably, a customized voicemail greeting) to answer the sellers that choose to call you.

Create a buying website to build your credibility and give sellers a way to submit their property information to you online.

Respond to your inbound leads when necessary, and gather the essential information you’ll need in order to close with confidence.

Set up a FAST, seamless system for making non-committal offers. You can do this by sending out blind offers with your initial direct mail campaign (see Step 2) or emailing offers to each property owner.

If any negotiation is required to get an acceptance, only have those conversations on the properties that are worth fighting for (and only revise your offer to the point that it still fits within the amount you’re willing to pay).

RELATED: Boost Your Acceptance Rate By Asking This Question

Step 4. Due Diligence

When your offers start getting accepted, it’s time to dive into your due diligence. Are there any hidden problems you need to be aware of? Are there any apparent reasons you shouldn’t go through with this purchase? Don’t count on the seller to give you all the information. The only way to be confident about what you’re purchasing is to do your own homework.

Find the property’s location, shape, size, and dimensions, and verify that these aspects of the property are acceptable.

Look closely at similar properties listed for sale in the near vicinity (and if any data is available for sold comps, look at those too). Try to nail down an approximate market value for your subject property.

Check the property for any potential issues that would affect its uses (zoning, wetlands, terrain, surroundings, etc.)

Make sure you understand all of the costs associated with purchasing AND owning the property (back due taxes, recording fees, HOA fees, etc.). Even if your intent is to sell the property as soon as possible, be fully informed about what it would cost to hold the property for a longer period of time, like 12 – 36 months.

If any adjustments need to be made to your offer price based on your findings, discuss this with the seller and revise your purchase agreement before closing.

RELATED: The Truth About Land Investing: 15 Warning Signs to Look for When Buying Vacant Land

Step 5. Closing the Acqusition

There are two different ways to handle the closing process for vacant land. One option is to close the conventional way – with a title company or real estate attorney (this is a more costly approach, and it usually makes sense for properties valued at $10K or more).

Another option is to be unconventional and close it yourself (this is far less expensive, but also requires more time and education. It usually makes more sense for properties valued at $5K or less, because these properties have a smaller profit margin, and the cost of hiring a closing agent will usually kill the deal).

Closing a cash land transaction is fairly straightforward, but any type of real estate closing involves some inherent risk. The documentation, steps and even the law can vary greatly depending on the state and municipality your property is located in. You should only conduct your own closings if you’ve done your own independent research and verified what documentation and procedures are required for your situation.

Option 1: Do your own title search to verify a clear chain of title and conduct an in-house cash closing (often makes sense for properties with a market value of less than $5K).

Option 2: Send your signed purchase agreement to a professional closing agent and let them do all the work (often makes sense for properties with a market value of $10K or more).

Option 3: Take the hybrid approach, by ordering title insurance and closing the transaction yourself. Note: When you use a professional closing agent, title insurance should automatically be part of the package. When you close on your own, you can decide whether or not to buy title insurance (from a cost standpoint, this hybrid approach often makes sense for properties with a market value between $5K – $10K)

RELATED: Understanding Title Insurance: How to Read a Preliminary Title Commitment

Step 6. List, Promote, Sell

Now that you have a property (or several properties) in your inventory, it’s time to turn around and get them sold. Some properties will sell quickly (in a matter of days) and others will take more time (in a matter of months). The speed of the sale has a lot to do with the quality of your listing, the desirability of the geographic area (and the property itself), the reach of your promotional efforts, and the price and terms you’re offering (among other things).

Start by creating a compelling property listing, with great pictures, an informative description (and even video, if possible).

Post your property listing in as many places as possible, and focus your efforts on the outlets with the highest traffic and/or the most targeted audience for land buyers.

Price your property competitively (if you bought it at 10% – 30% of market value, this shouldn’t be difficult) and it also helps if you’re willing to offer seller financing whenever possible.

Contact the neighbors and let them know of the property you have for sale.

Build a buyers list and keep them informed of the properties you have available.

RELATED: 5 Fundamentals That Sell Real Estate Fast

Step 7. Process Buyer Leads

When you post listings all over the internet, you’re going to get a lot of people responding to them. Many of these people will be “tire-kickers”, people who aren’t serious about buying, but they feel compelled to ask questions and waste your time anyway.

Follow up with every email, text, call and comment on your property listings and leave no stone unturned. It’s usually not possible to determine if someone is a serious buyer on the first contact, so be sure to follow up with everyone.

Ask qualifying questions to weed out the tire-kickers and determine whether you’re talking to a serious buyer. If someone indicates that they DO have the cash and they ARE ready to buy, you’ll have a good reason to keep the conversation going.

Even if someone doesn’t end up buying the property they’re inquiring about, be sure to add them to your buyers list and keep them informed about other properties in your inventory that might fit their needs.

RELATED: The Real Estate Investor’s Guide to Building a Buyers List

Step 8. Closing the Sale

This is where the land flipper finally gets paid. The complexity of the closing process can vary depending on the buyer, the property, the state laws in effect and whether the property is being sold for cash or on terms (i.e. – seller financing).

When you’ve got an interested buyer who has verbally committed, it’s time to schedule a closing date (signing a purchase agreement and collecting an earnest deposit aren’t required, but both actions will signify the buyer’s commitment to the deal).

Depending on the profit margin in the deal (and who ends up paying for the closing costs), it may make sense to enlist the help of a title company to handle all the paperwork and facilitate the closing.

If the property has a smaller profit margin, the closing can also be handled in-house, by simply signing the deed over to the buyer after being paid.

RELATED: How to Close a Cash Land Transaction In-House

Step 9. Seller Financing (Optional)

You don’t have to offer seller financing on the properties you sell (as it does add some complexities to the process), but if you are willing to – you can expect your properties to sell faster, sell at a higher price, generate some passive income and make a lot more money in the long run.

Seller financing can offer some huge advantages for land investors, because most banks and credit unions won’t offer loans for vacant land – and since most land buyers will have a harder time finding the funds to buy your property, you can solve this problem by financing the sale for them (and since you’re acting as their lender, you’ll have a lot of freedom and flexibility over what the terms will be).

Do some homework to find out what type of lending instrument should be used in the state where your property is located.

Consult with a legal professional to understand what will be required if a borrower ever defaults on their payments to you (i.e. – In the worst-case scenario, how difficult, costly and time-consuming will it be to repossess/resell your property)?

Finalize the terms with your borrower, verify their ability to repay (optional), close the transaction and start collecting payments.

Get the right systems in place to automate the collection of payments, keep track of loan balances and stay on top of borrowers if/when they pay late (or stop paying altogether).

RELATED: Land Contract or Deed of Trust? Which is Better for Seller Financing?

Step 10. Repeat & Grow Your Business

By the time you reach the end of the land flipping lifecycle – you will have learned A LOT of lessons about what you should and shouldn’t continue doing as you circle back to Step 1 and repeat the process.

Take some time to analyze how everything progressed through each of the previous steps.

What went well?

What could have gone better?

What can you change to smooth out the process?

Think about how you can navigate through the lifecycle in a more efficient, sustainable and profitable way.

Should you work in a different market, or stay in the same place?

Should you go after similar property types, or pursue something different?

Should you change the way you handled prospects and made offers?

Which marketing mediums were most effective for you in the selling process?

Where should you be spending more (or less) time and money?

Was it easy or difficult to get your property sold? Why?

If it was difficult, what would have made it easier?

If it was easy, should you have asked for more?

Make any necessary adjustments to your game plan and jump back into it!

If you’ve made it all the way through the lifecycle, give yourself a BIG pat on the back!

Many people burn out somewhere in the previous steps because land flipping is like any business – unexpected challenges WILL come up, things DON’T always happen as quickly and seamlessly as we’d like them to, and it takes real patience and stamina to keep pushing forward.

RELATED: The #1 Reason Land Investors Fail

Step 11. Evolve Your Business

When you’ve been through the lifecycle a dozen times (and learned lots of new lessons each time through), you’ll eventually become much more confident in what you’re doing and you’ll know how to make a sustainable income by repeating these steps.

For most people, land investing is a means to an end – so whatever your end goal is, be intentional about moving your business and life in that direction.

If your goal is to diversify your income or fund your retirement by investing in other things, then make sure you’ve set aside a budget to do this!

If your goal is to funnel your land profits into buying rental properties, then don’t forget to continue investing in profitable rentals!

If your goal is to build up dozens (or hundreds?) of streams of passive income from the seller-financed land deals, then make sure you’re selling your properties this way!

If your goal is to quit your job and spend more time with your family, then make sure you’ve got a game plan to quit your job and make more time for your family!

I know from experience, even when you’ve got a business that runs like a well-oiled machine, it’s easy to let the business run you, rather than you running your business. Whatever your long-term goals are, don’t forget to keep those goals in mind as you make short-term decisions.

RELATED: The Real Problem With Your Ambition (And How to Avoid It)

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Want to Learn More About Land Investing?

The truth about land investing is that most people have no idea how powerful it really is. Land is a massive opportunity that most investors aren’t paying attention to – and for the few land investors who know how to pursue this business with the right acquisition strategy, it’s an extremely lucrative way to build wealth and financial freedom with real estate.

If you want to get the inside scoop on how to start and run you own land investing business, come and check out the REtipster Club – where you’ll get access to a full 12-week course, videos, bonuses, downloads and a members-only forum (where I spend time answering questions every week). There is no better place to learn this business from the inside out.

The post The Land Flipping Lifecycle appeared first on REtipster.

from Real Estate Tips https://retipster.com/land-flipping-lifecycle/

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Im looking for a car insurance calculator so i can see how much this car would cost to insure should i end up getting it. Im only 17 so calling a car insurance company i would rather stay away from and idk what company my parents are even with But is there a calculator that doesnt require a ton of steps and just lets me put in what car i have and some basic questions about stuff that affects a 17 year old. Calculators i have been looking at ask for like house payments and monthly income ect and im 17. I dont have any of that. So any good and easy calculators to see if this car is too expensive to buy?

What are the things affect car insurance premium?

As far as I know, engine size is considered for insurance. Is it true or not? Second, I like to know is the make and model of the car effects the insurance? For example, does an old car have more insurance or the new one?""

What home owner insurance do I need to purchase?

If I buy an apartment and pays the HOA fee, does that cover the basic homeowner insurance?""

My health insurance paid for medical bills incurred from a car wreck. Can it come after me for reimbursement?

now I have received a settlement from the car insurance. Can the health insurance now collect the money it paid out . If so how long do they have to request the money form me?

Can your school actually check out your health insurance?

My school is telling me I need health insurance, but I cant afford it, can i just give them my old insurance information? Can they actually check to see if its real?""

How to find how much my car is worth for insurance purposes?

I was involved in a car crash, legally not my fault - but is still going to come off my insurance. The car is written off and I'd like to know what to expect the insurance company to offer me - and perhaps argue that the car is worth more if I can. Car was a Seat Ibiza 1.4S, Reg no. Y828 TGC. About 128,000 on the clock. In good working order. Five previous owners, part history for three of them. No visible rust. Small dent rear bumper. M.O.T. good for another 4 months. Have already tried a few online valuations, they vary so much I'm not sure they're much good to me.""

Can my health insurance cover it?

My dad went to the dr for a check up and found out that he has slight high blood pressure, so he wants to buy a blood pressure machine so he can monitor it while he tries to bring it down so we have health insurance and was wondering if health insurance would pay for the machine if we bought one""

Do I need motorcycle insurance to ride off a bike at the dealership?

I meant proof of insurance while the bike (motorcycle) is paid in cash in the city of Milwaukee, state of Wisconsin?""

State Farm Life Insurance... 30 year term? Whole Life? Select Term? Universal?

What insurance should I get? I'm in my late 20's and I'd like to make sure that if anything were to happen to me that my husband and son are left with enough to continue ...show more

I need help with car insurance !?

i am a young driver and i am am hoping to go on my mothers insurance but only for 3 or 4 months as i am going uni soon, i wanted to know how flexible it is to go on her insurance and them remove my self, what are the financial implications this may cause ? i already know it may cause the premium to increase but will this premium decrease back to her existing premium once i am taken off the insurance ? i would also like to pay monthly while i am on the insurance as i am likely to be quoted 1000+ for the year! so after 3 months payment i will take my self off- if this is possible once i am taken off the insurance will my mums premium go back down as she currently only pays 350 for the year please help i know this sound complicated but i will be grateful for any feedback""

What's the cheapest liability insurance in the metroplex?

What's the cheapest liability insurance in the metroplex?

Am i paying to much for car insurance?

I am 23 have a 1990 buick car. I have have nothing on it besides a stop sign which should be off my record now, it was 4 years ago when i was 19. I am paying $386 for 6 month period. I go though shelter insurance. They said it won't go down until i am 25 or married. thanks""

Does anyone know approx how much insurance rates can be lowered with driving safety courses?

Does anyone know if taking a safe driving course will significantly lower your insurance rates? Thanks! I use Progressive.

Should i get insurance for my first car? Where can i get CHEAP car insurance? I live in Aus.?

Should i get insurance for my first car? Where can i get CHEAP car insurance? I live in Aus. I am looking at buying a s13 non turbo at 11k. when i looked for a quote the minimum was like 5k which i do not have the money seeing as i am going to have to get a loan for my car.

What does insurance salvage mean?

HURRY I AM TRYING TO GET A CAR BUT IT SAYS INSURANCE SALVAGE SO IDK

Health insurance?

affordable health insurance in Houston

Are BMW more expensive to insure?

Specifically a White 2006 BMW 325i. I'm 21, never had any traffic violations, had my license since I was 17. I'm looking to get rid of my old 1994 Crappy Mustang, and getting a White 06 3 Series BMW. Will my insurance be expensive? Additional Details: I plan on financing, which means it will require me to get full coverage.""

Can auto insurance carrier deny claim due to their insured simply ignoring request for signed affidavit ?

Hi Have a question. My rear bumper was lightly tapped by 17 year old new driver. Damage is minor and cosmetic at $425. My car is only three years old and in perfect condition. The insured provided me all his insurance information and said to file a claim through his dad's insurance carrier. I called local police department 911 line to report minor collision. Officer responded and insured admitted to police officer that he tapped rear bumper. Police officer looked at my rear bumper and refused to make a police report as he said cannot issue a report unless damage is over $1500. I begged the officer repeatedly to please provide me even an incident report or something official like an affidavit as the teenager admitted to officer that he hit my rear bumper. Police Officer simply drove off and left me on the side of the road with a stranger. Of course now four weeks later, the insured and his father have simply ignored phone calls, emails and registered mail attempts by his insurance carrier to verify version. (not sure what version would be needed as my black paint is on his front bumper) I called the insured and his dad hung up on me twice. The insurance carrier told me they are denying and closing out the claim due to insured not responding. They said this is totally legal under Illinois State laws. (basically too bad, so sad) By the way this insurance company has unacceptable rating with state insurance board and BBB. I paid a body shop $425 in cash to fix car yesterday. Do I have recourse as I see my options would be to file a complaint with Illinois Banking and Insurance or file a small claims lawsuit against insured and insurance carrier (but that is an additional $119 court filing fee) Any ideas would be appreciated.""

Anyone know any cheap car insurance?

Im just trying to save a little money.

Car Insurance & Title Question?

Okay, my question is, I am quantified for a loan on a new car. I'm going to get a new car, & since i'm the primary person on the loan, and my mom as the co-signer, Can i still get the Tags & Title primary in my mom's name, and me as secondary (so nothing happens to the car if my mom defaults on any of bills of any sort) so that way i can be on my mom's car insurance for a lower rate? Or does the tag & titles got to have me as primary b/c of the loan?? & if so can my mom still be 2nd-ary, and still be on her car insurance for a low rate?? Also, in any and all of these seniors, will it still build both mine & my mom's credit up??? Thanks, Ashley""

compare quotes for whole life insurance

compare quotes for whole life insurance

How can i compare all life insurance products of all companies?

How can i compare all life insurance products of all companies?

What kind of insurance overage should I get for my bike?

I have a 98 Honda Superhawk (996 CC). I'm unsure what kind of coverage I need since I'm learning to pay for my own insurance. It's a bike that I'm just planning to ride for small commute and weekends. I'm also trying to pay as little as possible. I was thinking of going with progressive. I got a rate of $300 Any idea of what coverage I need will be appreciated! Thanks

Best location for insurance agency?

I'm very early in the stages of starting an insurance agency in Lafayette IN. Where do you think is a better location? There are reasonable prices in downtown lafayette, but also on the east side, which is has a lot of offices, retail stores, and restaurants. Where do you think more people would likely to meet a beginning independent insurance agency?""

Will having a hidden kill switch in my car make insurance cheaper?

So basically, noone will be able to start the car unless they know where the switch is hidden. Surely this increases the security of the car, therefore should make insurance cheaper.""

Insurance Question/Calculations?

Insurance Calculations Given a patients remaining deductible (Deductible), co-insurance responsibility percentage (CoInsurance), co-payment (CoPayment), and maximum out-of-pocket (OutOfPocketMax): 1)Use those parameters to write an equation to calculate the estimated patient cost for a $1,000 test. (You can use Excel notation if you want.) * 2)Using the same parameters, write the equation for the insurers expected payment, in the case of a $1,000 test. Calculate the patient's responsibility with the following parameters: 1) Deductible=$100, CoInsurance=15%, CoPayment=0, OutOfPocketMax=$1,000. A patient has a PPO plan with a $250 deductible with none of the deductible met. The plan has a co-insurance of 30% with no co-pay for lab services. 1)Solve for this patient's responsibility Thanks for the help!""

Urgent question: car accident/ no insurance?

Let say someone gets into an accident but did not have insurance on it( it is a long story but the car needed to be repair and be sold, so he was driving it to get it fix so he can sell, unfortunatly, while he was on the highway, he tries to stop just to realisethat the brake was not working and he bumps into another car. well the car is complety a mess and the air bag even came out. As it is for the other car no need to say that it back was mess up too) ok my question now what is going to happen, can he take a lawyer to defend him and how much do you think it might be to fix the other car. Please let me know I am so worried. the person lives in dallas, Texas. Thank you for your time ( the police came and said they are are going to court, the other car has insurance)""

Is humana a good health insurance?

i was charged a 120 dollars for lab services and they didnt cover it in addition to a copay and monthly deductible. i feel like im spending more with this insurance than saving. any suggestions?

How much is motorcycle insurance for a 150cc moped?

I've heard some people say $100 a YEAR. And some $250 a MONTH. Big difference. Who is more correct? And I'm just wanting a rough guess. Not an exact quote. So please no ...show more

Cheapest auto insurance for 18 year old?

i am 18 years old a female and i own a 1996 chevrolet s10 2wd pickup truck i have had my licence since i was 16 and i am wondering if any one knows of any cheap insurance i live in st.petersburg florida please help!!!

""I totaled my car and it was my fault, how much will i get from my insurance company, please help??

i wrecked my car and its totally non fixable and i do not know how the insurance works and i want to know what to expect on how much i will be getting back!?

Why do i pay more car insurance than my cars worth?

it just seems pointless to me having a car that cost me about 500 and paying nearly 3x the cost in insurance. (3rd party fire and theft - 3 years no claims (Citroen Saxo 1.6vts))

Can I drive in the USA on UK car insurance?

We are taking our vehicle to the USA and travelling around for up to 12 months, can we use UK car insurance or do we have to insure the vehicle when we get to the States?""

""How much does horse insurance cost you a month, year, etc.?""

I know I could call for a quote, but I'm 13! I really want a horse and my mom said I might be able to get one if I made sure that she wouldn't have to pay thousands of dollars in vet bills. So I know how every horse is different and the price depends on like how old the horse is, but I basically know nothing about insurance!!! I want to know if it could somehow be added on to our medical, car, house, etc insurance. I also want to know how I can get full coverage, but not pay too much. Around $10-$20 a month is the highest I can go. So who are you insured with, how much do you pay, if you have more than one horse round the price up for one, what do you think I should do??? Thanks!!!""

CAR INSURANCE. Cheaper car insurance?

There are 3 drivers in our house (Dad, me and my brother) and two cars (usualy 3), is there a cheaper way to insure all of us on all the cars?""

Can someone recommend affordable health insurance?

I lost my job. COBRA is too expensive. Are there any high deductible plans? I really only want coverage in the event of a serious illness. I live in NJ.

Car accident and switching insurance?

Hi, I was with insurance company A and was planning to move into company B in the next few days. I finalised the quote and premium amount and even received the new set of insurance documents from company B and informed the company A of cancellation. But today i met with a minor accident due to rain puddle leading to my car skidding and causing damage. I have filed a claim with company A but I want to understand how this will affect my premium rates with company B. Do I have to inform them beforehand? What will be the best course of action?""

NO CLAIMS BONUS ON CAR INSURANCE?

I've just got insured on a car and I paid the deposit over the phone with the card I was then insured driving the car. the insurance company asked me to send a copy of my licence which 6 months down the line I havent got around in doing but I'm still insured I was wondering if they ask me to send my no claims certificate and I never sent it would I still be insured until I have an accident in which case they request a no claims bonus or would they cancel the policy strait away?

Does anyone know of anykind of affordable health insurance for my mother?

She is age 62, never worked outside the home, and presently does not have health insurance...""

What is the cheapest car insurance? PLEEASSEE HELPPPP!!?

I have searched around, i'm 18 and male I know it's going to be expensive and it changes daily BUT if there is any companies at all that people know are relatively less expensive than others? would be great :)""

Need help with car insurance!?!?!?

Alright, so I'm getting a car soon and I'm checking out insurances and I can't believe how #%@$ing expensive it is!!! I know I'm 19 and I'm a male so I will have expensive insurance but c'mon, they're basically wanting to charge me like almost 400 dollars a month!! Does anyone know what insurance companies are the cheapest? I already checked esurance and aigdirect. I have a daughter so I don't want just liability, I want good insurance.""

I got my 1998 hyandai elantra tataled how much should i get from the insurance company?

it has 119000 miles on it but is still in good condition and has no recorded crashes or anything on it well until now that is. and the totaling was not my fault

Can you still get bundle insurance with a DWI?

I just like to know if it is possible to get a bundle insurance and the discount with a DWI? My family has a bundle policy for both car and house. Recently, my auto insurance was ...show more""

What does pleasure mean when asked about car insurance?

trying to get a good quote for insurance and need to know what a pleasure vehicle means

How is my insurance so high for my 125cc motorcycle?

Well i passed my cbt on the 13th this month, turned 17 on the 10th this month, ive had my dt125 re / x 04 model for about 2 months riding on private land etc, anywhoo, i decided to look into insurances, well first i went to carol nash and got a quote for 4000??? then i tryed comparethemarket, got a insurance quote of 3600? what the ****? seriously, theres not a chance im going to be paying that **** and the insurance place is ringing up saying do you want to buy the 4000 insurance? **** no, any idea's for cheaper insurance places or idea's to get it down?""

What is an average insurance cost for two cars in dallas?

What is an average insurance cost for two cars in dallas?

compare quotes for whole life insurance

compare quotes for whole life insurance

I need cheap dental insurance not a discount plan?

I have to get a good cheap dental plan not a discount plan. Where can I get one or what can I do??? I have something that really needs to be taken care of fast.

How can i get cheaper car insurance at 17?

How can i get cheaper car insurance at 17?

""I will be out of the country, car insurance.?""

I will be out of the country for almost 6 months, what can I do with my car insurance? No one else will be driving my car, and I don't want to pay for my insurance if I am not using my car. What can I do?""

Driving without Proof of Insurance?

I was recently stopped by a police officer for speeding and when giving him my license and proof of insurance he stated that my insurance had expired. I then received a $550 fine for not having insurance, but not for speeding. I do have insurance, but the proof of insurance is what expired (we searched everywhere and the cards that the insurance agency was supposed to send did not show up). My question, then, is what do I do about this? I was not aware that my proof of insurance had expired (again, not the insurance) and I was freaked out because this is the first time that I have ever gotten pulled over (I'm a college freshman and the car is in my grandmother's name, it was a grad gift) On the ticket do I contest the claim and go to court or do I admit the claim and go to court? What are the possible outcomes or what is most likely to happen?""

Cheap auto insurance in the USA on an English drivers license?

Currently living in LA, have bought a car which is insured through my wife at the moment. Charging $300 a month!! due to me only having a UK license, even if I change to US license the price only comes down $20--all help and advice appreciated. Thank you""

Universal Health Care- Insurance Companies?

Will private insurance still be available if the US becomes a single payer health care? If not, what will happen to all the insurance companies, will everyone be laid off?!?""

How good is Delta Dental Insurance and is it worth it?

My mom is out of work and needs to have some dental work done. I was thinking to get her a Delta Dental Insurance in the hopes that it will help her. If you currently have this insurance or had it in the past, could you please tell me if it's worth it. Thanks.""

How does LIFE INSURANCE work?

my cousins dad dies of cancer and he had life insurance. the family got $500,000 . -did the insurance company just give them the money away. or did they make certain payments? doesnt insurance lose money? -do they go on a spending spree now or what?""

Cost of motorcycle insurance?

Hi, I passed my CBT in february 2011, so i have been riding for under a year, on a honda cbr 125. It was around 250 for third party. I'm looking to buy a better quality 125cc motorcycle before doing my Standard Motorcycle Test some time in 2012. I'm looking to get my hands on a 2008 (or there abouts) yamaha yzf r125, as i believe this is a high performance 125 that will be able to indure the 100+ mile journies i will need to make every few months. I will need better insurance on a bike like this - Third Party Fire and Theft preferably. So my question is, can someone who has owned a yzf r125 tell me what they paid for insurance so i can get a general idea of what i'd expect to pay? Thank you for any contributions!""

I need to find an insurance company?

I need to find Insurance that is affordable and covers Pre exisiting injuries, maternity coverage, and dental care. Anyone know a company that does that?""

How do I go about getting health insurance for my baby?

Me and my husband just got married this year and found out that we were pregnant a few weeks later. We both just got jobs mine does not have insurance and his offers insurance but it will not kick in for three more months and our baby is due in one month. Right now we are both on our parents health insurance my dads includes maternity but will not cover anything for the baby after he is born. We now make too much for Medicaid but are still struggling financially. Should we wait until my husbands insurance kicks in and pay out of pocket for two months or get him on a private plan so when the baby comes we can add the baby to that private plan? Most of the plans that we can afford have like a 10,000 dollar deductible before they cover anything anyway.""

Car insurance rates dropping?

hello, after my first ever six months of car insurance will my rates drop or will things be cheaper ? I am 24 about to be 25 years old. I have only had one speeding ticket.""

Sent a fake transcript to a car insurance for good student discount?

So me like an idiot sent a transcript from my college to Geico car insurance and it was altered. I thought that in the next semester, i can be able to make it all up. the altered transcript had 2 C's 2 A's and 1 B. What can i do now? I am really afraid because I really don't know what to do anymore. I feel like committing suicide because of this. What should i do? My original gpa for the transcript was 2.50""

""In NYC can I make payments on my financed car, but not be driving it or paying insurance for a few months?""

I'm financing my car, but by Nov I wont be needing to drive anywhere. Can I stop my insurance, park the car in the driveway but still make payments on it?""

Car insurance???

anyone no of places that do cheap car insurance for new drivers (i'll be 17 in january) oh by the way im in the UK!

""I am 26 and currently a student and i dont have a job,i was looking for an affordable health insurance.?""

I am 26 and currently a student and i dont have a job,i was looking for an affordable health insurance.?""

Anyone know where to get good individual dental insurance thats effective immediatly?

I need my wisdom teeth removed but have no insurance, most individual insurance companies have a 6 month waiting period for procedures other than preventitive. I need them out now because one was infected and I got it treated with antibiotics but Im afraid it will come back because it keeps bleeding. Any help will do and I am in florida.""

What's the cheapest bike to insure for a 16 year old that still meets my requirements?

I'm 16. I've had my motorcycle license since December 2009, so that would be a year and about 4 months. (This is Oklahoma, you can get a motorcycle license at 14, but I had a late start.) My 17th birthday is in 2 months. I've been driving a car lately, but now I'm wanting to find another bike. However, it has to meet some requirements- it has to be good on the highway, since I live several miles from town and go on the highway almost every day, it has to be smaller than 500cc (not because of ability, just preference, I don't like big engines), and it has to be good on gas- at least 50 mpg. I don't car about the age, I know most people my age want the newest, coolest thing; personally, I don't care. I'd drive some 1963 rust-bucket so long as it ran. I'm just looking for the cheapest bike to insure for my age that still meets those requirements.""

Dog life and health Insurance?

In June I got my first dog ever, he's part Yorkie and Chiuua. He's 4 months old and I'm wrecking my brain looking for resonable insurance for him, can someone please help me, I am on a budget, however, I have health and life insurance for myself and granddaughter, my new baby should be covered as well. But I don't have a clue and I don't want to get ripped off either. Thanks""

How much is car insurance for teens ?

I live in California

Does an not guilty accident effect the insurance rate in California?

the type where the opposite side confesses of their guilt but the case goes to insurance. will next time my insurance raise or it will be unaffected?

Can I receive california unemployment insurance while I am receiving retirement income?

I reeive a relatively small Cal Pers retirement but it is not enough to live on so I continue to work.

How to lower car insurance costs ?

my 17 year old son wants to buy a 2008 honda civic EX and he agrees to make the payments on the car. One problem is , how do i lower my insurance rates . IF my son is still considered a teenager. Could i put the car under my name so the insurance rates will be low ? please help""

Why do we need car insurance?

what is car insurance? How does it help us? How much money do we need to pay?

Cheapest insurance companys in the uk?

whats the cheapest insurance company in the uk

compare quotes for whole life insurance

compare quotes for whole life insurance

""What are the medical tests, i have to go for insurance?""

what are the medical tests,i have to go for insurance, please provide a link if possible""

Car insurance for a peugeot GTI?

Ok, so I'm 18 and a girl!! i have been driving for a year. i want a peugeot 106 GTI 1.6 16v. i have seen one for about 2000 in good condition, BUT because of my age, I'm struggling to get insurance. does any one no of a good site where i can get a reasonable quote. thank u!!!""

""Are 4 door, 4 cylinder Honda Civics cheap for auto insurance?""

Are 4 door, 4 cylinder Honda Civics cheap for auto insurance?""

Can i get Health New England Insurance in other states?

I'm thinking about moving to Virginia to be with my boyfriend once I graduate but i was wondering about my heath insurance... I have Health New England from my father, do they only provide it in New England... since it is called 'Health New England' or would i still be able to have it when i went to Virginia??""

Fire insurance in south florida?

I know I will never be able to afford full house insurance in south Florida. But I would like just fire insurance. any ideas? thanks

What are insurance points?

I got 2 tickets today in NJ.One was for no seatbelt and one was for speeding.It was for going 5 miles over limit!The speeding is 2 points.But my driver record is perfect,except for this speeding ticket. I know it gets reported to motor vehicles,but what about insurance points?How does that work?Will my insurance go up?""

How much is insurance for a 15 year old girl?

I live in Denton, TX and I'm going to get my permit soon and my mom said I can't drive her car until I get insurance ! I started working recently and I can pay for it but i just need to know how much it is ! So can you please tell me the how much insurance will cost in Denton, TX for a 15 year old girl ! And also I want to save up to buy my car ! Whats some cute cars for a girl ! Something like a Altima or Fusion ! Thanks (:""

What is the average cost of home owners insurance in texas?

what is the average cost of home owners insurance in texas? we are thinking of buying a house but all the morgage calculators have a space to add home owners insurance in to the monthly payment. I need to get a rough estimate of the price range of a house we could afford i know we cant afford much so it would not be for a house more than $100,000 for sureso not a big fancy just a basic 3 or 4 bedroom house. please give me an estimate i know it depends on the house locatoin and all that but I am completely clueless as to if it adds $10 or $100 or $300""

How much would the insurance cost?

Im looking at buying either a 2011 shelby GT500 or a 2011 mustang GT. I just want to know how much ill be paying insurance companies for one of these... Im going to be 19 almost 20 by the time I get one of these.

Car insurance?

do you need car insurance in the philippines

""Im looking or an affordable health insurance, please help?""

hello, I need to see a doctor as soon as possible but i don't have insurance. anyone know any good affordable health insurance. thank you in advance""

What CAR Should A First Driver GET ? Also What Company For The Insurance To Be The Cheapest ?

Passed My Driving Test 2 Days Ago ! I am 22 ! what car should i get that is cheap on insurance too ? Please give me the names and for the insurance companies :)) Thanku

What kind of health insurance do i apply for?

I have a one year old son and he has had medi-cal off on and they give me so many problems and i'm tired of him having medi-cal. I recently reapplied because they stopped it again, but this time i added his father on there since he has no type of medical insurance either.4 weeks went by and i haven't recieved anything in the mail so i call and ask what is going on. The lady was extremely rude to me and tells me they denied my application because they never recieved a packet that requested birth certificates,social securities, proof of income etc. And i tried to explain to her i never recieved the packet that requested any of that and that's why i was calling to let them know and she said well they already denied you so you need to apply again i'm tired of medi-cal my poor son deserves better.so i was wondering if anyone knew of something else i could apply for? it's just for my son and his father i'm still under my moms insurance so i don't need it but i have to apply for them since i'm the mother of my child obviously. We live off of $400 every 2 weeks and have other things to pay for.so please someone help!""

Life insurance for over 60?

Hello,just wondering if anyone out there has any good expierence for life insurance over 60 years old.I am a 64 year old female who wants something for 15 years with no pre-existing medical conditions.There are so many out there I just dont know who I can trust.Thanks...""

Car insurance rate (red light ticket!)?

Sorry if this is too long, but i really need help! I just got a ticket for turning right on red w/o stopping in WA state. i googled and know that insurance companies don't often check driving record. unless when you make some change to your policy, make a claim or every 2 renewal cycles? my questions are: -How long does it take for my insurance company to notice this if i don't make any changes to my policy or make a claim within 3 yrs (this will stay on my record for 3 yrs right?)??? -Usually how long is ONE renewal cycle in car insurance? -If i tick the mitgation hearing option, and explain the infraction to the judge and he/she reduce my penalty, Does that mean the record will stay on me shorter? the penalty money will reduced? and hopeful insurance company will not increase my rate? -I am a student and I am cover under my dad's insurance, so if they increase my rate, does that mean the whole amount of premium increase or just my part? PS: if this help, my insurance company is American Family Insurance. I just switch to it 3 months ago.""

Question with car insurance?

Okay so we have two cars. One 1992 buick and a 2006 civic coupe. I usually drive the coup and my name was on the insurance for it, but recently my parents swapped insurance to save money but it involved switching my name to the buick and their name onto the civic. They tell me i can't drive the civic anymore b/c if i get into an accident then it won't be covered since it's under their name and not mine. Is this really true? I thought that as long as the car is insured it's covered?""

Why does my car insurance provider ask for other people in household?

Does it matter who I live with if they aren't going to be driving my car? How will it affect my rates? When I first got my insurance I lived with roommates - they had good driving records but still they never drove my car (they had their own!), now I live with my fiance who has a DUI - will my rates go up because of it? He has his own truck and SUV so we rarely ride my car and when we do I ALWAYS drive... so why do I need to tell my insurance company (Mercury) who else resides in my home?!""

How much is insurance for corvette?

What would be the rough cost for car insurance a year on a 2001 corvette with 60k miles. I'm 19, clean license and have good grades in school if that has any effect. I have a car now but was trying to see how much more insurance would be""

Question with progressive insurance?

Ok heres the deal. Last September we were backing out of our driveway and bumped into our neighbors drivers door on his late 80's mazda mx3. It caused a little dent in his car and just a tiny scratch on our car. We agreed that we will just handle it outside of insurance once spring came. Now that the snow finally melted here, he left a note on our door saying he wants payment in full in 7 days or he will report to our insurance. My question is, progressive told us they put it under property damage so there is no deductible but what will this do to our rates if anything? Thank You""

""An insurance company will insure a $200,000?""

An insurance company will insure a $200,000 home for its total value for annual premium of $650 .If the company spends $25 per year to service such a policy ,the probability of total loss for such a home in a given year is 0.002 and you assume that either total or no loss will occur ,what is the company's expected annual gain ( or profit ) on each such policy.""

""AA car insurance, do they send the papers by Email or post?

need to know when register with AA car insurance is there an option for everything to be send by Email ONLY as I have some really bad people I am sharing house with :(

What is the best place to find cheap autoinsurance for teens?

i am getting my licence soon so i will need car insurance. i will not be getting a car just using my parents car. is there any really cheap auto insurance that you all can help me find. thanks P.S. please and the link you found so i can click on it and check it out

Motor trade insurance for 21 year olds?

Im looking for motor trade insurance as a second driver and Im 21 years old.

What is the least expensive auto insurance company?

Currently have geico...

If Medicaid is meant to be health insurance for low-income people.... then?

why do a lot of people have difficulty getting health insurance in America? Sincere question, please. I want to learn more about the health care system in my country.""

compare quotes for whole life insurance

compare quotes for whole life insurance

https://www.linkedin.com/pulse/a-affordable-insurance-agency-inc-erdman-way-ma-jacob-richardson/"

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Business law short answer questions from Riley Aviles

Damages on commercial property. Severe damage to my building from my neighbor's trees and landscaping.

The commercial property owner neighboring the ground raising was lifted by my commercial property behind my building to give landscaping. A tree and shrubs were put there and the root systems egressed into the lower wall of our building undermining the building stucco and pushed the wall stud framing off the floor plate. Extensive structural damage to my building including water damage. Who's liable for repairs? A: It sounds like your neighbor would be responsible. There are tons of unanswered questions, and this might actually be more of a tort law issue when compared to a real estate one.Have you ever consulted with an engineer and architect concerning the cause of the structural damage? If it was the plants or the earth work themselves, it sounds like your neighbor is responsible, but it will be important to understand and have evidence regarding the causation.Take photographs, get statements from engineers or architects regarding the damage as well as the cause of the damage, and get a few approximations for the cost of repair. Go see legal counsel or two. Good luck to you personally.

Is it illegal to host a paid service that manipulates Amazon.com's search algorithms by having bots create accounts?

A: You've got to look at your provider agreements --all the things you signed saying "I accept" involved in the chain of your site. Whether Mozilla or Google or others provides your internet they have user agreements. Willing to bet entombed in there may be something type actions specially account creation. Because in the event that you run afoul of Homeland Security regs your investigator will undoubtedly be from the FBI, you will have important searches particularly for anything it looks like you disposed of, kiss your harddrive farewell etc. you would like to watch it You actually need to break down and pay an attorney skilled in user agreements to a) figure out your vulnerability and the way to sturcture to avoid it b) if your web site must be found in a particular state , as it were c) whether itis a good idea for you to be a corporation d) the user arrangements you'll request any users/purchasers to sign; You're past d.i.y. time

My wife works for a salon. She is an employee of the company and she doesn't rent a chair. Her salary is commisson

Her company bills her service charges for each service she provides. Can she composed those service charges away on her taxes. Her employer said they don't want their workers to do that, nonetheless, I do not consider they can do that. Ideas? A: Talk to your tax preparer or a company tax cpa if you don't get any answers here on Justia. They'd be familiar with these IRS rules for employees.

Is it grounds foqualification if an attorney, reserves the corporate name of a suspended HOA when his client is an owneer/member of the HOA?

The client is being sued by their renters individually athe lawyer gores out and allows the corporate name without thinking to renovate the corproration. He then supports the plaintiffs to go to the IDR procedure based on the governing documents to work out issues instead of court but these CCRs can't be enforced as long as lawyer holds corporate name and does not restore. A: Your question is vague and needs clarification. More details are required to give a professional evaluation of your problem. The best first step is an Initial Consultation with an Attorney. It's possible for you to read more about me, my credentials, awards, honours, testimonials, and media appearances/ publications on my law practice web site. I practice law in these areas of law in CA, NY, MA, and DC: Contracts & Business, Criminal Defense, Divorce & Child Custody, and Education Law. This response doesn't constitute legal advice; make warranties, guarantees, or any predictions; or create any Attorney-Client relationship.

I was hired as an independent contractor, Cleaning airline offices. No contract has been signed other than terms of

Payment on invoices. Repeatedly, I have been paid late and they have refused to pay late fees. My payment contact has repeatedly lied about payment being "in the email" so I have frozen service until payment is received . Can they fire me for this and do I have rights to fight with that? A: The organization can terminate the contract at any given moment unless there clearly was a written contract provision preventing it. You aren't needed to continue to do new services. Even if the contract is terminated, you will be owed for work already performed. You will have to determine in the event you'd like to carry on to work with this particular business on these terms.

Do I need to have insurance if my online personal training client signs a liability release form and informed consent?

I'm beginning an online personal training and nutrition programming company, I'm wondering if I would like insurance if I have the correct files are signed by the customer and which legal documents are required to shield me. A: I trust you had a professional in insurance shield look at waivers and your release. The difficulties inherent in your company should you be doing physician reports aren't, always reviewed by nutrition, excercise, particularly if you do not have a degree in either are daunting. Insurance, being a P.C. or Corporation are other things to discuss with the attorney. Might it be illegal to host a paid service that controls by having accounts are created by bots Amazon.com's search algorithms?

Do I have to pay FTB fees?

Hello, I was wondering if someone can help me with this. A corporation opened in 2014 and since then have accumulated fees to the Franchise Tax Board when I didn’t know better. I used to not do anything with the business, and I owe approximately about 4k in back fees. I understand that that money is owed by the corporation and it is going to keep going up annually. The corporation is currently frozen as a result of back fees. What should I do? I really can’t afford to pay. What can the authorities do to me, if I only do pay? Can they take my personal stuff? Will this impact my business later on if one day I decide to start a business? What can happen to a person who doesn’t ever pay, and what are stuff I can’t do personally if I just allow the taxes develop on the corporation that is suspended? A: It is advisable to consult with a local attorney in private and give them trades and all the facts and get a unique advice and plan of action with respect to your personal culpability or lack thereof. Typically, if a corporation is established properly and complied with the state law, is considered a separate legal entity and its own responsibility should not create personal liability for its stockholders. The information presented herein is for general purposes only. It might not be construed as tax, legal or accounting advice, and is not intended to. Neither is it meant for solicitation purposes. For specific guidance, please consult an attorney that is appropriate in person. Good luck. Zaher Fallahi, Business and Tax Attorney, CPA.

Real Estate Lawyers Barrie - Gabriel Krikunez №➊ lawyer in Ontario

I registered a domain name that belonged to a LLC. Can I continue the business they started using that domain name?

The organization was an LLC business that had a few backlinks from sites that are popular. They also had a patented merchandise. Can I use the domain name to keep on the service/product the original owner had? I've actually done this with 2 domain names but I havent recreated the site/business thoughts of the former owners. I needed the right steps to do this or legal problems I may face. The other website did not involve a product in the slightest although I understand for the first case I'd need rights to the patented product. It called for a Thought, logo and design. A: The content of sites is copyrighted as soon as it's created. If you're copying the code and content of the old website, you'd face liability for copyright infringement. Also, in the event you use any images on these sites, to which you don't own the rights to publish, you might be responsible for copyright infringement.

During my employment I purchased the company domain name .net. 2 years later the company is requesting it?

Am I legally required to give them the domain without compensation or payment? A: It may belong to them while you were an employee there, in the event you purchased the business's domain name for the business. Additional information are required to supply a professional analysis of your problem. The best first step is a First Consultation with an Attorney. You can also read more about me, my qualifications, awards, honors, testimonials, and media appearances/ publications on my law practice website. I practice law in the following areas of law in CA, NY, MA, and DC: Education Law & Contracts, Criminal Defense, Divorce & Child Custody, and Business. This reply will not constitute legal advice; make any forecasts, guarantees, or warranties; or create any Attorney-Client relationship.

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New Post has been published on Add Crazy

New Post has been published on https://addcrazy.com/modern-finance-isas-dogged-with-the-aid-of-similarly-delays/

Modern Finance Isas dogged with the aid of similarly delays

Peer-to-peer creditors have hit out at the United Kingdom regulator in advance of Isa season after delays look set to stifle new tax-efficient savings products for another 12 months.

The Modern Finance Isa turned into formally launched through former chancellor George Osborne in July 2015, setting peer-to-peer lending platforms — wherein man or woman investors are matched with interest-paying borrowers — on a stage gambling subject with traditional financial savings and investment merchandise which can be held within an Isa wrapper.

However, traders were left disenchanted remaining April as the Progressive Finance Isa turned into successfully unavailable, despite having been formally launched. At that time, the Economic Behavior Authority stated it had been swamped with applications for authorisation from creditors.

A year on, the FCA has nonetheless yet to grant the majority of peer-to-peer lenders, together with the 3 largest — Zopa, Investment Circle, and RateSetter — the authorisation they want to launch a Progressive Finance Isa in time for the brand new tax 12 months in April.

Those 3 peer-to-peer structures account for extra than 60 percent of the United Kingdom’s marketplace share by using mortgage origination, consistent with figures from AltFi Information, having lent almost £6bn mixed.

The trio has formed a change frame with five different lenders, the P2P Finance Association, which instructed toes Money it changed into “involved” with the aid of the continuing postpone. Excessive pleasant international journalism calls for funding. Please share this newsletter with others the use of the hyperlink beneath, do no longer reduce & paste the thing. See our T&Cs and Copyright Policy for more element. Email ftsales.guide@toes.Com to buy additional rights. Https://www.ft.Com/content/011088d6-f2d2-11e6-95ee-f14e55513608

Christine Farnish, P2PFA chairperson, said the FCA had breached its very own goal timescale to authorize creditors and had now been sitting on packages for greater than 18 months.

“If policymakers are serious about encouraging effective competition in Financial offerings then procedures along with this will need to sharpen up,” stated Ms. Farnish, who previously worked for the FCA’s predecessor, the now-defunct Financial offerings Authority.

“While every person wants the FCA system to be thorough, it is also important that it’s miles centered and proportionate.”

While now not wanting to criticize the regulator overtly for fear of souring their relationship, peer-to-peer lenders privately admit frustration at the chance of no longer being able to launch an Isa again this tax year — many have been hoping to be ready final April.

None of the leaders spoken to by way of the feet knew how plenty longer they might need to wait, nor if a product might be geared up for traders in time for Isa season. “We don’t understand how long it’s going to take, we anticipated it by means of now, manifestly,” stated one, who wanted to remain nameless. “It’s obviously a bit bit irritating.”

The FCA declined to comment.

The peer-to-peer lending enterprise has no longer been without controversy. The ones who’ve warned approximately the arena consist of Andrew Bailey, chief government of the Economic Behavior Authority, and Andrew Tyrie, chairman of parliament’s Treasury pick out committee.

The FCA lately launched a session into peer-to-peer lending following worries that “much less experienced and informed” buyers have been flocking to the goods.

In December, the regulator signaled plans to impose more difficult policies on the world, which it said had occasionally acted in a “non-obvious manner” with the aid of covering the authentic overall performance of loans from investors.

So far, best participants of the P2PFA had been granted full FCA authorisation. Loan lender LandBay and small commercial enterprise financier Lending Works — which mixed account for just over zero.55 percent of the UK’s P2P marketplace — have both released Modern Finance Ideas that are to be had to buyers.

An in addition 20 companies with sports ranging from lending to students to making an investment in real property have been authorized Up to now, which includes 8 that were approved earlier than final April.

The FCA told theft in April that seven of these newly regulated firms have been absolutely new to the P2P lending space. three Revolutionary Financing Methods For actual property funding

Within the contemporary market situation in which recession has affected all of us (some extra than others), the actual property marketplace is not any exception. Whenever a person hears the word recession they mechanically companion it with awful information. That isn’t continually the case as once in a while because of a recession there are a few top-notch opportunities made available specifically Inside the real property marketplace. Following are some of the ways by which you may without problems finance the buying of your home.

The Fixer Improve

That is whilst you can not have enough money the dream residence that you want and you settle for much less and use it as a stepping stone to get the dream house you always wanted. As an instance say that the residence which you need to shop for costs $three hundred,000 and also you do not have the required Money right now so what do you do? You buy a residence that is barely run down and pay a down price of we could say like $8000 on it. Then you may lease it out and the rental income you earn can be used for repairing the house after which as soon as the repair paintings are complete, you can sell it for a wholesome profit, and you are one step in the direction of buying the dream house you continually wanted. Be suggested this isn’t for impatient people, to store the Cash you may do some of the repairs yourself, also keep a sharp eye on repairs due to the fact if the repairs devour up the profits then it wouldn’t end up a profitable task.

The Pleasant Option

any other Choice is to shop for assets with a friend, relative or a person who you could trust after which share the name of the property and the Mortgage along with your pal or relative (That is also known as joint tenancy). This will make sure lower expenses for you and you could even earn some profits, As an example, you may lease out a room of your apartment or your property to cover expenses. Be recommended although this form of ownership differs legally from country to kingdom and in some states, the associate Within the belongings can sell the residence without problems without even informing the opposite accomplice (consequently agree with could be very vital).

Dwelling With the Circle of relatives

Despite the fact that this could sound nerdish but This is sincerely a quite possible Choice. we could say which you have a few debt to pay off and Inside the cutting-edge market with growing Residing prices and the risk economic system you simply can not pay the credit card bills you owe (as all of your Cash is spent on keeping your way of life) and that they have amassed to extra than $30,000 now what to do?. The answer is straightforward pass in along with your mother and father, explain to them the scenario you are in and they will be able to offer you an area to live and on this way you could shop your lease and use it to pay off that credit score card payments or even shop enough Money to put in a down charge on that condo you continually desired!

In case you are an actual property investor or assets owner and want to analyze extra about how we assist you to purchase investment homes and our property control program please visit our website at http://www.Delvalproperty.Com/.

Mike Lautensack is the proprietor of Del Val Realty & assets control (“Del Val”). Del Val is a complete Carrier Residential assets control organization with over 15 years’ revel in and control over 2,500 single Own family homes, HOA gadgets and multifamily properties in and around Philadelphia, PA. We suggest assets owners a way to build wealth and Financial protection thru hassle-unfastened ownership of condo real property with our NO “problem” complete Carrier management program. This verified control gadget permits owners to enjoy the Economic benefits of cash flow, tax savings, and wealth creation. All this While it Guarantees you will by no means cope with renovation or tenant issues.

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The Land Flipping Lifecycle

Several years ago, I discovered a fascinating page on Landlordology.com called The Landlord Lifecycle.

This was something my friend Lucas Hall told me about, and I thought it was a pretty brilliant way to map out the process that all self-managing landlords have to understand when starting and building their rental property portfolio.

It got me thinking… what if I created something like this for the land investing business? Perhaps a similar roadmap could help clarify things for those who are still trying to get their arms around how this business really works, and whether it’s something they want to pursue.

So if you’ve ever wondered what the typical “lifecycle” looks like for a raw land deal, I spent some time putting together a detailed framework for all the aspiring land flippers out there, in an effort to make it abundantly clear how the process works.

Of course, this is just one model that can be followed. This is the way I do it, but not every land investor goes through these exact motions (though from what I’ve seen, most of us follow a pretty similar set of steps). As I’ve been working in this business over the past decade, this is the most systematic and sustainable way I’ve been able to nail down so far.

Step 1. Market Research

When you’re starting from square one, it’s wise to look at several markets before you hit the ground running. There are plenty of acquisition opportunities in most markets, but not every market has the same types of properties available at the same price range. Every area will produce a slightly different response to your marketing efforts.

To the extent possible, define what your ideal property looks like (e.g. – size, uses, zoning, location, value, etc.)

Establish your budget for marketing and acquisition.

Identify any state and local laws that may apply to vacant land transactions.

Determine whether you intend to sell for cash or with seller financing (or both).

Find out what property information is available from the county and/or your data service of choice.

RELATED: Finding Your Best Market for Land Investing

Step 2. Direct Mail Marketing

There are many ways to find real estate deals, but when it comes to vacant land, direct mail is widely considered to be the most efficient and cost-effective way to find motivated sellers. The success of any direct mail campaign has everything to do with your ability to find the right data, organize it adequately and send a compelling message to the right people.

Determine where you’re going to get your list of property owners (the county or a data service).

Get your list filtered and sorted for the best possible response rate.

Upload your list and direct mail piece to a direct mail service provider and send the mail!

RELATED: How I Find Motivated Sellers (And Get Them Calling Me)

Step 3. Process Leads & Make Offers

As the responses come in from your direct mail campaign, make sure you have the right systems in place to manage those inbound calls, emails and website submissions. You’ll also need to make sure you’re getting the right information as you move into your due diligence on each property.

Set up a phone system (and preferably, a customized voicemail greeting) to answer the sellers that choose to call you.

Create a buying website to build your credibility and give sellers a way to submit their property information to you online.

Respond to your inbound leads when necessary, and gather the essential information you’ll need in order to close with confidence.

Set up a FAST, seamless system for making non-committal offers. You can do this by sending out blind offers with your initial direct mail campaign (see Step 2) or emailing offers to each property owner.

If any negotiation is required to get an acceptance, only have those conversations on the properties that are worth fighting for (and only revise your offer to the point that it still fits within the amount you’re willing to pay).

RELATED: Boost Your Acceptance Rate By Asking This Question

Step 4. Due Diligence

When your offers start getting accepted, it’s time to dive into your due diligence. Are there any hidden problems you need to be aware of? Are there any apparent reasons you shouldn’t go through with this purchase? Don’t count on the seller to give you all the information. The only way to be confident about what you’re purchasing is to do your own homework.

Find the property’s location, shape, size, and dimensions, and verify that these aspects of the property are acceptable.

Look closely at similar properties listed for sale in the near vicinity (and if any data is available for sold comps, look at those too). Try to nail down an approximate market value for your subject property.

Check the property for any potential issues that would affect its uses (zoning, wetlands, terrain, surroundings, etc.)

Make sure you understand all of the costs associated with purchasing AND owning the property (back due taxes, recording fees, HOA fees, etc.). Even if your intent is to sell the property as soon as possible, be fully informed about what it would cost to hold the property for a longer period of time, like 12 – 36 months.

If any adjustments need to be made to your offer price based on your findings, discuss this with the seller and revise your purchase agreement before closing.

RELATED: The Truth About Land Investing: 15 Warning Signs to Look for When Buying Vacant Land

Step 5. Closing the Acqusition

There are two different ways to handle the closing process for vacant land. One option is to close the conventional way – with a title company or real estate attorney (this is a more costly approach, and it usually makes sense for properties valued at $10K or more).

Another option is to be unconventional and close it yourself (this is far less expensive, but also requires more time and education. It usually makes more sense for properties valued at $5K or less, because these properties have a smaller profit margin, and the cost of hiring a closing agent will usually kill the deal).

Closing a cash land transaction is fairly straightforward, but any type of real estate closing involves some inherent risk. The documentation, steps and even the law can vary greatly depending on the state and municipality your property is located in. You should only conduct your own closings if you’ve done your own independent research and verified what documentation and procedures are required for your situation.

Option 1: Do your own title search to verify a clear chain of title and conduct an in-house cash closing (often makes sense for properties with a market value of less than $5K).

Option 2: Send your signed purchase agreement to a professional closing agent and let them do all the work (often makes sense for properties with a market value of $10K or more).

Option 3: Take the hybrid approach, by ordering title insurance and closing the transaction yourself. Note: When you use a professional closing agent, title insurance should automatically be part of the package. When you close on your own, you can decide whether or not to buy title insurance (from a cost standpoint, this hybrid approach often makes sense for properties with a market value between $5K – $10K)

RELATED: Understanding Title Insurance: How to Read a Preliminary Title Commitment

Step 6. List, Promote, Sell

Now that you have a property (or several properties) in your inventory, it’s time to turn around and get them sold. Some properties will sell quickly (in a matter of days) and others will take more time (in a matter of months). The speed of the sale has a lot to do with the quality of your listing, the desirability of the geographic area (and the property itself), the reach of your promotional efforts, and the price and terms you’re offering (among other things).

Start by creating a compelling property listing, with great pictures, an informative description (and even video, if possible).

Post your property listing in as many places as possible, and focus your efforts on the outlets with the highest traffic and/or the most targeted audience for land buyers.

Price your property competitively (if you bought it at 10% – 30% of market value, this shouldn’t be difficult) and it also helps if you’re willing to offer seller financing whenever possible.

Contact the neighbors and let them know of the property you have for sale.

Build a buyers list and keep them informed of the properties you have available.

RELATED: 5 Fundamentals That Sell Real Estate Fast

Step 7. Process Buyer Leads

When you post listings all over the internet, you’re going to get a lot of people responding to them. Many of these people will be “tire-kickers”, people who aren’t serious about buying, but they feel compelled to ask questions and waste your time anyway.

Follow up with every email, text, call and comment on your property listings and leave no stone unturned. It’s usually not possible to determine if someone is a serious buyer on the first contact, so be sure to follow up with everyone.

Ask qualifying questions to weed out the tire-kickers and determine whether you’re talking to a serious buyer. If someone indicates that they DO have the cash and they ARE ready to buy, you’ll have a good reason to keep the conversation going.

Even if someone doesn’t end up buying the property they’re inquiring about, be sure to add them to your buyers list and keep them informed about other properties in your inventory that might fit their needs.

RELATED: The Real Estate Investor’s Guide to Building a Buyers List

Step 8. Closing the Sale

This is where the land flipper finally gets paid. The complexity of the closing process can vary depending on the buyer, the property, the state laws in effect and whether the property is being sold for cash or on terms (i.e. – seller financing).

When you’ve got an interested buyer who has verbally committed, it’s time to schedule a closing date (signing a purchase agreement and collecting an earnest deposit aren’t required, but both actions will signify the buyer’s commitment to the deal).

Depending on the profit margin in the deal (and who ends up paying for the closing costs), it may make sense to enlist the help of a title company to handle all the paperwork and facilitate the closing.

If the property has a smaller profit margin, the closing can also be handled in-house, by simply signing the deed over to the buyer after being paid.

RELATED: How to Close a Cash Land Transaction In-House

Step 9. Seller Financing (Optional)

You don’t have to offer seller financing on the properties you sell (as it does add some complexities to the process), but if you are willing to – you can expect your properties to sell faster, sell at a higher price, generate some passive income and make a lot more money in the long run.

Seller financing can offer some huge advantages for land investors, because most banks and credit unions won’t offer loans for vacant land – and since most land buyers will have a harder time finding the funds to buy your property, you can solve this problem by financing the sale for them (and since you’re acting as their lender, you’ll have a lot of freedom and flexibility over what the terms will be).

Do some homework to find out what type of lending instrument should be used in the state where your property is located.

Consult with a legal professional to understand what will be required if a borrower ever defaults on their payments to you (i.e. – In the worst-case scenario, how difficult, costly and time-consuming will it be to repossess/resell your property)?

Finalize the terms with your borrower, verify their ability to repay (optional), close the transaction and start collecting payments.

Get the right systems in place to automate the collection of payments, keep track of loan balances and stay on top of borrowers if/when they pay late (or stop paying altogether).

RELATED: Land Contract or Deed of Trust? Which is Better for Seller Financing?

Step 10. Repeat & Grow Your Business

By the time you reach the end of the land flipping lifecycle – you will have learned A LOT of lessons about what you should and shouldn’t continue doing as you circle back to Step 1 and repeat the process.

Take some time to analyze how everything progressed through each of the previous steps.

What went well?

What could have gone better?

What can you change to smooth out the process?

Think about how you can navigate through the lifecycle in a more efficient, sustainable and profitable way.

Should you work in a different market, or stay in the same place?

Should you go after similar property types, or pursue something different?

Should you change the way you handled prospects and made offers?

Which marketing mediums were most effective for you in the selling process?

Where should you be spending more (or less) time and money?

Was it easy or difficult to get your property sold? Why?

If it was difficult, what would have made it easier?

If it was easy, should you have asked for more?

Make any necessary adjustments to your game plan and jump back into it!

If you’ve made it all the way through the lifecycle, give yourself a BIG pat on the back!

Many people burn out somewhere in the previous steps because land flipping is like any business – unexpected challenges WILL come up, things DON’T always happen as quickly and seamlessly as we’d like them to, and it takes real patience and stamina to keep pushing forward.

RELATED: The #1 Reason Land Investors Fail

Step 11. Evolve Your Business

When you’ve been through the lifecycle a dozen times (and learned lots of new lessons each time through), you’ll eventually become much more confident in what you’re doing and you’ll know how to make a sustainable income by repeating these steps.

For most people, land investing is a means to an end – so whatever your end goal is, be intentional about moving your business and life in that direction.

If your goal is to diversify your income or fund your retirement by investing in other things, then make sure you’ve set aside a budget to do this!

If your goal is to funnel your land profits into buying rental properties, then don’t forget to continue investing in profitable rentals!

If your goal is to build up dozens (or hundreds?) of streams of passive income from the seller-financed land deals, then make sure you’re selling your properties this way!

If your goal is to quit your job and spend more time with your family, then make sure you’ve got a game plan to quit your job and make more time for your family!

I know from experience, even when you’ve got a business that runs like a well-oiled machine, it’s easy to let the business run you, rather than you running your business. Whatever your long-term goals are, don’t forget to keep those goals in mind as you make short-term decisions.

RELATED: The Real Problem With Your Ambition (And How to Avoid It)

Download the Free Guide!

Want to save these details for future reference or pass them along to a friend? You can download a free pdf with all the steps, links and resources embedded within – so you can refer back to it as you continue growing your business.

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Want to Learn More About Land Investing?

The truth about land investing is that most people have no idea how powerful it really is. Land is a massive opportunity that most investors aren’t paying attention to – and for the few land investors who know how to pursue this business with the right acquisition strategy, it’s an extremely lucrative way to build wealth and financial freedom with real estate.

If you want to get the inside scoop on how to start and run you own land investing business, come and check out the REtipster Club – where you’ll get access to a full 12-week course, videos, bonuses, downloads and a members-only forum (where I spend time answering questions every week). There is no better place to learn this business from the inside out.

The post The Land Flipping Lifecycle appeared first on REtipster.

from Real Estate Tips https://retipster.com/land-flipping-lifecycle/

[bettydgunter90]

The Land Flipping Lifecycle

Several years ago, I discovered a fascinating page on Landlordology.com called The Landlord Lifecycle.

This was something my friend Lucas Hall told me about, and I thought it was a pretty brilliant way to map out the process that all self-managing landlords have to understand when starting and building their rental property portfolio.

It got me thinking… what if I created something like this for the land investing business? Perhaps a similar roadmap could help clarify things for those who are still trying to get their arms around how this business really works, and whether it’s something they want to pursue.

So if you’ve ever wondered what the typical “lifecycle” looks like for a raw land deal, I spent some time putting together a detailed framework for all the aspiring land flippers out there, in an effort to make it abundantly clear how the process works.

Of course, this is just one model that can be followed. This is the way I do it, but not every land investor goes through these exact motions (though from what I’ve seen, most of us follow a pretty similar set of steps). As I’ve been working in this business over the past decade, this is the most systematic and sustainable way I’ve been able to nail down so far.

Step 1. Market Research

When you’re starting from square one, it’s wise to look at several markets before you hit the ground running. There are plenty of acquisition opportunities in most markets, but not every market has the same types of properties available at the same price range. Every area will produce a slightly different response to your marketing efforts.

To the extent possible, define what your ideal property looks like (e.g. – size, uses, zoning, location, value, etc.)

Establish your budget for marketing and acquisition.

Identify any state and local laws that may apply to vacant land transactions.

Determine whether you intend to sell for cash or with seller financing (or both).

Find out what property information is available from the county and/or your data service of choice.

RELATED: Finding Your Best Market for Land Investing

Step 2. Direct Mail Marketing

There are many ways to find real estate deals, but when it comes to vacant land, direct mail is widely considered to be the most efficient and cost-effective way to find motivated sellers. The success of any direct mail campaign has everything to do with your ability to find the right data, organize it adequately and send a compelling message to the right people.

Determine where you’re going to get your list of property owners (the county or a data service).

Get your list filtered and sorted for the best possible response rate.

Upload your list and direct mail piece to a direct mail service provider and send the mail!

RELATED: How I Find Motivated Sellers (And Get Them Calling Me)

Step 3. Process Leads & Make Offers

As the responses come in from your direct mail campaign, make sure you have the right systems in place to manage those inbound calls, emails and website submissions. You’ll also need to make sure you’re getting the right information as you move into your due diligence on each property.

Set up a phone system (and preferably, a customized voicemail greeting) to answer the sellers that choose to call you.

Create a buying website to build your credibility and give sellers a way to submit their property information to you online.

Respond to your inbound leads when necessary, and gather the essential information you’ll need in order to close with confidence.

Set up a FAST, seamless system for making non-committal offers. You can do this by sending out blind offers with your initial direct mail campaign (see Step 2) or emailing offers to each property owner.

If any negotiation is required to get an acceptance, only have those conversations on the properties that are worth fighting for (and only revise your offer to the point that it still fits within the amount you’re willing to pay).

RELATED: Boost Your Acceptance Rate By Asking This Question

Step 4. Due Diligence

When your offers start getting accepted, it’s time to dive into your due diligence. Are there any hidden problems you need to be aware of? Are there any apparent reasons you shouldn’t go through with this purchase? Don’t count on the seller to give you all the information. The only way to be confident about what you’re purchasing is to do your own homework.

Find the property’s location, shape, size, and dimensions, and verify that these aspects of the property are acceptable.

Look closely at similar properties listed for sale in the near vicinity (and if any data is available for sold comps, look at those too). Try to nail down an approximate market value for your subject property.

Check the property for any potential issues that would affect its uses (zoning, wetlands, terrain, surroundings, etc.)

Make sure you understand all of the costs associated with purchasing AND owning the property (back due taxes, recording fees, HOA fees, etc.). Even if your intent is to sell the property as soon as possible, be fully informed about what it would cost to hold the property for a longer period of time, like 12 – 36 months.

If any adjustments need to be made to your offer price based on your findings, discuss this with the seller and revise your purchase agreement before closing.

RELATED: The Truth About Land Investing: 15 Warning Signs to Look for When Buying Vacant Land

Step 5. Closing the Acqusition

There are two different ways to handle the closing process for vacant land. One option is to close the conventional way – with a title company or real estate attorney (this is a more costly approach, and it usually makes sense for properties valued at $10K or more).

Another option is to be unconventional and close it yourself (this is far less expensive, but also requires more time and education. It usually makes more sense for properties valued at $5K or less, because these properties have a smaller profit margin, and the cost of hiring a closing agent will usually kill the deal).

Closing a cash land transaction is fairly straightforward, but any type of real estate closing involves some inherent risk. The documentation, steps and even the law can vary greatly depending on the state and municipality your property is located in. You should only conduct your own closings if you’ve done your own independent research and verified what documentation and procedures are required for your situation.

Option 1: Do your own title search to verify a clear chain of title and conduct an in-house cash closing (often makes sense for properties with a market value of less than $5K).

Option 2: Send your signed purchase agreement to a professional closing agent and let them do all the work (often makes sense for properties with a market value of $10K or more).

Option 3: Take the hybrid approach, by ordering title insurance and closing the transaction yourself. Note: When you use a professional closing agent, title insurance should automatically be part of the package. When you close on your own, you can decide whether or not to buy title insurance (from a cost standpoint, this hybrid approach often makes sense for properties with a market value between $5K – $10K)

RELATED: Understanding Title Insurance: How to Read a Preliminary Title Commitment

Step 6. List, Promote, Sell

Now that you have a property (or several properties) in your inventory, it’s time to turn around and get them sold. Some properties will sell quickly (in a matter of days) and others will take more time (in a matter of months). The speed of the sale has a lot to do with the quality of your listing, the desirability of the geographic area (and the property itself), the reach of your promotional efforts, and the price and terms you’re offering (among other things).

Start by creating a compelling property listing, with great pictures, an informative description (and even video, if possible).

Post your property listing in as many places as possible, and focus your efforts on the outlets with the highest traffic and/or the most targeted audience for land buyers.

Price your property competitively (if you bought it at 10% – 30% of market value, this shouldn’t be difficult) and it also helps if you’re willing to offer seller financing whenever possible.

Contact the neighbors and let them know of the property you have for sale.

Build a buyers list and keep them informed of the properties you have available.

RELATED: 5 Fundamentals That Sell Real Estate Fast

Step 7. Process Buyer Leads

When you post listings all over the internet, you’re going to get a lot of people responding to them. Many of these people will be “tire-kickers”, people who aren’t serious about buying, but they feel compelled to ask questions and waste your time anyway.

Follow up with every email, text, call and comment on your property listings and leave no stone unturned. It’s usually not possible to determine if someone is a serious buyer on the first contact, so be sure to follow up with everyone.

Ask qualifying questions to weed out the tire-kickers and determine whether you’re talking to a serious buyer. If someone indicates that they DO have the cash and they ARE ready to buy, you’ll have a good reason to keep the conversation going.

Even if someone doesn’t end up buying the property they’re inquiring about, be sure to add them to your buyers list and keep them informed about other properties in your inventory that might fit their needs.

RELATED: The Real Estate Investor’s Guide to Building a Buyers List

Step 8. Closing the Sale

This is where the land flipper finally gets paid. The complexity of the closing process can vary depending on the buyer, the property, the state laws in effect and whether the property is being sold for cash or on terms (i.e. – seller financing).

When you’ve got an interested buyer who has verbally committed, it’s time to schedule a closing date (signing a purchase agreement and collecting an earnest deposit aren’t required, but both actions will signify the buyer’s commitment to the deal).

Depending on the profit margin in the deal (and who ends up paying for the closing costs), it may make sense to enlist the help of a title company to handle all the paperwork and facilitate the closing.

If the property has a smaller profit margin, the closing can also be handled in-house, by simply signing the deed over to the buyer after being paid.

RELATED: How to Close a Cash Land Transaction In-House

Step 9. Seller Financing (Optional)

You don’t have to offer seller financing on the properties you sell (as it does add some complexities to the process), but if you are willing to – you can expect your properties to sell faster, sell at a higher price, generate some passive income and make a lot more money in the long run.

Seller financing can offer some huge advantages for land investors, because most banks and credit unions won’t offer loans for vacant land – and since most land buyers will have a harder time finding the funds to buy your property, you can solve this problem by financing the sale for them (and since you’re acting as their lender, you’ll have a lot of freedom and flexibility over what the terms will be).

Do some homework to find out what type of lending instrument should be used in the state where your property is located.

Consult with a legal professional to understand what will be required if a borrower ever defaults on their payments to you (i.e. – In the worst-case scenario, how difficult, costly and time-consuming will it be to repossess/resell your property)?

Finalize the terms with your borrower, verify their ability to repay (optional), close the transaction and start collecting payments.

Get the right systems in place to automate the collection of payments, keep track of loan balances and stay on top of borrowers if/when they pay late (or stop paying altogether).

RELATED: Land Contract or Deed of Trust? Which is Better for Seller Financing?

Step 10. Repeat & Grow Your Business

By the time you reach the end of the land flipping lifecycle – you will have learned A LOT of lessons about what you should and shouldn’t continue doing as you circle back to Step 1 and repeat the process.

Take some time to analyze how everything progressed through each of the previous steps.

What went well?

What could have gone better?

What can you change to smooth out the process?

Think about how you can navigate through the lifecycle in a more efficient, sustainable and profitable way.

Should you work in a different market, or stay in the same place?

Should you go after similar property types, or pursue something different?

Should you change the way you handled prospects and made offers?

Which marketing mediums were most effective for you in the selling process?

Where should you be spending more (or less) time and money?

Was it easy or difficult to get your property sold? Why?

If it was difficult, what would have made it easier?

If it was easy, should you have asked for more?

Make any necessary adjustments to your game plan and jump back into it!

If you’ve made it all the way through the lifecycle, give yourself a BIG pat on the back!

Many people burn out somewhere in the previous steps because land flipping is like any business – unexpected challenges WILL come up, things DON’T always happen as quickly and seamlessly as we’d like them to, and it takes real patience and stamina to keep pushing forward.

RELATED: The #1 Reason Land Investors Fail

Step 11. Evolve Your Business

When you’ve been through the lifecycle a dozen times (and learned lots of new lessons each time through), you’ll eventually become much more confident in what you’re doing and you’ll know how to make a sustainable income by repeating these steps.

For most people, land investing is a means to an end – so whatever your end goal is, be intentional about moving your business and life in that direction.

If your goal is to diversify your income or fund your retirement by investing in other things, then make sure you’ve set aside a budget to do this!

If your goal is to funnel your land profits into buying rental properties, then don’t forget to continue investing in profitable rentals!

If your goal is to build up dozens (or hundreds?) of streams of passive income from the seller-financed land deals, then make sure you’re selling your properties this way!

If your goal is to quit your job and spend more time with your family, then make sure you’ve got a game plan to quit your job and make more time for your family!

I know from experience, even when you’ve got a business that runs like a well-oiled machine, it’s easy to let the business run you, rather than you running your business. Whatever your long-term goals are, don’t forget to keep those goals in mind as you make short-term decisions.

RELATED: The Real Problem With Your Ambition (And How to Avoid It)

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Want to save these details for future reference or pass them along to a friend? You can download a free pdf with all the steps, links and resources embedded within – so you can refer back to it as you continue growing your business.

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Want to Learn More About Land Investing?

The truth about land investing is that most people have no idea how powerful it really is. Land is a massive opportunity that most investors aren’t paying attention to – and for the few land investors who know how to pursue this business with the right acquisition strategy, it’s an extremely lucrative way to build wealth and financial freedom with real estate.

If you want to get the inside scoop on how to start and run you own land investing business, come and check out the REtipster Club – where you’ll get access to a full 12-week course, videos, bonuses, downloads and a members-only forum (where I spend time answering questions every week). There is no better place to learn this business from the inside out.

The post The Land Flipping Lifecycle appeared first on REtipster.

from Real Estate Tips https://retipster.com/land-flipping-lifecycle/