Is “Seller Will Finance” The Ticket to Your Business Fortune?

How do you find owner will finance properties, such as real estate or a business? Look in the business columns of any large-city newspaper under the heading “Businesses for Sale”. Also, look in the real estate columns of your local paper under the heading “Apartment Houses for Sale,” or “Business Property for Sale.”If you look carefully, you will probably soon find a number of ads which say, after the description of the property which is for sale, the following: “Owner will finance”. Or the ad might say: “Seller will finance”; or “Financing available”.What these ads mean is that the seller or owner of the property-be it a business, apartment house, shopping center, etc.–is willing to finance your purchase of the property. So you do NOT have to go to a bank, a finance company, a factor, a relative or a friend to borrow the money you need. Rather, you have a cozy sale between yourself and the seller.While it is true that the seller will probably register the debt you have after you buy the property, you do not have to face any long-faced loan officer at a lender to get your money.Of course, you never really get the money when the seller finances the sale. Instead, you take over an income producing property of some kind and have the right to earn the income from the property. The seller does not get any of the income. You will, of course, have to pay the seller each month a certain amount on the loan you obtained from the seller. But this money will come from the income the business generates, not from your own pocket or bank.Questions:What kind of a seller or owner would be willing to finance the sale of a valuable income property? There are many different types of sellers who are anxious to get out of an income-producing property for one reason or another, such as other business interests, divorce or separation, death or illness in a family, or retirement.Once you spot any reasons such as these, you can be fairly certain that you have a good chance of having the seller finance the sale to you. But you must be alert for such opportunities.How can I convince the seller or owner that I’m the right person to take over the income property? To convince the seller or owner that you are the “right person”, you must “sell yourself” to the seller. You must convince the seller that you are hard-working, dedicated to the business, interested in the business, reliable, and honest.Once you convince the seller of these, your chances are excellent. So keep this in mind when talking to the seller.The usual way a deal which is financed by the seller works is that you take over the business for no money down and repay the seller on a monthly basis. To accomplish this, you should:Pay the “asking price”Avoid haggling with the seller;Be willing to agree to all the terms the seller sets upBy having the seller finance the sale, you will probably pay more for the property and a higher rate of interest. But if you are just starting, this may be your great chance. I see all types of real estate financed this way, many different commercial businesses, factories, etc. So don’t think that you are restricted as to the type of business you might buy when the seller finances it.To get 100+% financing, ask the seller to lend you a few thousand dollars for operating capital by allowing you to keep the first few week’s income from the business without making a payment to the seller. Or, if you’d prefer to have just 100% financing, do NOT ask for this provision.You will need an attorney to protect you in such a sale. Instead of paying the attorney, ask that the fee the attorney would normally collect be paid in the form of a promissory note. You will then pay the attorney a few months after you take over the business for no cash down!For much more information and assistance with locating and purchasing owner-financed properties, visit our site at, where there are articles, reports and complete business courses that will help you to success in your owner-financed investment activities.

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Emerging Market Property Investing

The idea of purchasing an investment property in an emerging market is very attractive to many who are beginning to create an investment portfolio. As the prices of the properties are inevitably lower than those in an established market, lower potential financial loss will result from any associated risks.An emerging market is essentially one that has recently opened up to attract foreign buyers, bringing increased income through foreign direct investment to the country. This investment also assists with developing and establishing a tourist market, which may not have previously existed on a wide ranging scale.Changes in governments are usually one of the main steps the emerging country has taken to better develop itself towards higher world standards. As an example, over recent years countries in Eastern Europe presented great opportunities for investors, as the countries began to open their doors to foreign investment. Better standards of living were generated, along with increased tourism, improvements in infrastructure and many other beneficial factors.The East European countries received a great deal of interest from foreign buyers due to the close proximity, low cost of flights, and bargain property prices. After several of these countries were granted access into the EU, the cost of housing dramatically increased, making an instant and impressive capital gain for investors who entered these markets early.It is not only first time buyers who benefit from emerging markets, although they have been found to be a great way to begin building a property portfolio. Many established investors also see the great potential in these markets and look into multiple purchases, creating a multiplied gain potential.Many people have begun to realize the high potential gains associated with investing in international property, greatly assisting with increasing interest in the market from potential clients. Various governments have looked at ways financial investments from around the world can assist with generating greater benefits to their countries.Research into the country of interest is essential to understand how that particular market works and whether it really is of interest to the potential buyer. Various factors come into consideration for the type of investment it will present. The type of government and the government’s integration into encouraging foreign investment is highly important, as an encouraging government can save a great amount of potential problems in the future. The tourist market is also an important actor, as the tourists assist in bringing increased interest to the country along with clients for buy-to-let investors.Access to the country is also a good indication, especially if the country is easy to reach or actively working on increasing its ports of entry. This helps to create a greater chance of the country increasing its tourism potential, along with assisting investors with future exit strategies and increasing potential capital gains. The seasons when tourists visit will also determine how long the rental market is active, especially important when purchasing a buy-to-let property within a touristic region.Being in contact with a good investment company will assist with any confusion about regions of interest and a better understanding the potentials of each particular market. The investment company will have done a great deal of ground work to establish whether the market is an interesting one for their clients and the reasons why. These companies will be able to further assist with clearing any doubts, or to lead clients into a direction better suited to their particular requirements.

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Information on Currency Trading

Currency trading is based on the idea that all currency has a value relative to other currencies. It is based on the trade of currencies that uses the purchase and sale of large quantities of currency to influence the shifts in the value of currencies into profit.Under the strain of trade, a trader is likely to make a decision that is inferior to that of a computer. The best trading tactics are those that combine the maximum trader’s edge and the lowest possible capital requirements. Online trading is unsafe, but can be a profitable second income. For beginners, it is best to do the following: refine oneself on various trading tactics by practicing trading using a demonstration trading account, then find a reputable broker before taking calculated, limited risks.There are various tips available for a trader to make profits in currency trading. Firstly, a trader must know what moves a currency market. A country’s economic situation can influence the outlook on the country and its currency. A trader must also know the tactics involved which are essentially three different strategies; tracking the direction of the currency market; selling currencies with a lower rate and buying currencies with higher value.Another tip is to be able to manage the risk. A trader must know how much risk he is able to accept. The trader must also keep to what he knows. Mainly, the currencies have their own character. If the trader is trading on a part time basis, the trader should maintain a few pairs of currencies and commit himself to thorough research of the currencies.The trader must also plan the trade that is going to be carried out and execute the plan accordingly. Traders that consistently profit are those who are disciplined and execute well-researched plans. In relation to this, the manner in which a trader researches his currency is also important. Currencies are constantly moving, so traders will always have to keep an eye on the currency market.Another factor that is important to a trader is keeping check of one’s emotions. A trader cannot be upset about the outcome of his decisions. Similarly, the trader must be able to manage his expectations because every trade is not going to be profitable.The trader should not, as they say, place all his eggs in one basket. Foreign exchange trading is not always suitable for all investors. The best way to minimize risks in investment is to spread the investments in various trades.Currency trading has various benefits, and one of them being the market, being worldwide trading is continuous. Another benefit is that large amounts of money can be moved in and out of foreign currency without much price movement and the transaction costs are low. Traders are also allowed to trade using leverage, which means the ability to trade more than what the trader has in his account. Another benefit is that there is a profit regardless of the market direction. This can be done by short selling.

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