How to Boost Your Income with Mortgage Protection Insurance

Mortgage protection insurance is quickly becoming a great way to boost your real estate investment income. Could you use an extra $500-$1,000 a week part-time? It’s easy, cost effective and it allows you to help families even more while putting money in your pocket.

The investor who deals with -land contracts -and- lease to own deals could use the mortgage protection insurance as an extra tool in their real estate arsenal. By adding mortgage protection insurance to your services you are not only helping a family get into home ownership, but now they can stay there even if the main bread winner dies or becomes disabled. You are protecting the entire family and the best part is, you’re getting paid for it.

Mortgage protection insurance should not be confused with PMI (Principal Mortgage Insurance). PMI is a certain type of insurance policy from a bank or mortgage company in which you pay a fixed premium for a certain number of years to cover the risk of foreclosure. Should something happen to you while the policy is in effect; the insurance pays the remaining mortgage. The loan typically lasts for the life of the mortgage. As you pay off the mortgage, the end benefits goes down, too. At the end of the policy, the benefit is zero. The mortgage protection insurance I’m writing about offers a different option. Essentially you pay the premiums, and your family gets the money and the right to decide what to do with it. Also, this life insurance is portable. This means if you move in a few years, you won’t have to replace your insurance. This can save you a great deal of money since insurance rates usually increase, as you get older. The best part of all is that if you don’t die or use any of the benefits, you get all your money back tax-free. When I started investing in real estate, selling life insurance was the last thing on my mind, but that all changed. A representative of the National Agents Alliance introduced me to mortgage protection insurance last year and now the insurance side of my business is rivaling some of my real estate investments. It is possible to make five-to-seven thousand dollars a month in positive cash flow just with the insurance. No prospecting, no rehabbing and best of all no tenants.

Tumbling Mortgage Rates Resulting To Tight Market Situation

Mortgage rates tumbled, as short-term mortgage rates shot up higher sending the share of variable rate applications tumbling.

The share of adjustable rate mortgage application sank though a big drop in yield of the 1year Treasury-indexed ARM may change that. However, latest report suggests that late payments on subprime adjustable-rate mortgages have increased for eight consecutive quarters and currently sit near 17%, while delinquency improved on the fixed rate mortgages and loans insured by the Federal Housing Administration. Fueled by activity in just four states, foreclosure continued to rise during the latest quarter.

Among the rising fears, one is that the sub-prime mortgage crisis is beginning to infect America’s $300 car loan market as evidence emerges of a surge in the numbers of motorists in arrears. Lenders who made more than 40,000 sub-prime car loans in 2006 saw the percentage on those in arrears jump from 6.8% to 8%, while smaller lenders who lend to offer loans to higher risk customers saw their arrears levels more than double from 6.2% in 2005 to 14.6% in 2006. Wall Street is worried that the same mortgage borrowers who are falling behind with their home loan repayments will also miss repayments on their car loans.

Online Payment Solutions Weighing the Drawbacks and Benefits

The rate of online shopping has grown exponentially in the last few years, and has become the norm for many people the world over when it comes to purchasing the products and services they use in their everyday lives. But not everyone is sold on the concept that online shopping is easier than in-store shopping. If you are one of these people, examining the drawbacks and benefits of using an online payment solution to make your purchases might help you decide if shopping via the internet is for you or not.

Drawbacks
Some technological know-how is required. If you want to shop online with the least amount of problems, you will have to possess some computer and internet basics, such as how to use a computer and the internet (chances are that you have this ability if you are reading this article), how to search for and compare stores and the products they sell, and how to complete a transaction with an online payment solution. Not having these simple skills can make the whole process long, tedious and more effort than its worth.

The perceived or actual risk of getting hacked. Wherever there exists the request for personal and financial information (like on e-commerce websites), there also may lurk hackers looking for ways to get at this information. The aim of this article is not to scare you away from online shopping, but to let you know that there are inherent threats that you should know about so that you can make a more informed choice.
You usually have to open an account. Just about every online shop will ask you to open an account with them. If they are using a third-party online payment solution, then you will have to open an account with that company as well. The purpose of this is not to make online payments tiring and annoying, but to make your subsequent payments instant and easy.

Building A Sick Day Kit

College students really have the life. For five days a week, they get up, go to class for a few hours and then usually come home and just hang out or nap. The responsibility required to do everything you need to get done at college is slim to nil, but what happens when the undergrad needs to take care of himself or herself? What happens when college students get sick?

Usually, a college kid will just stay in bed until they feel better, but that isnt exactly the best way to deal with sickness. For that, you need a sick day first aid kit. Now a sick day kit is no ordinary box of health care supplies it is a kit that needs to be loaded to the brim with the best medicine and tools available to deal with a whiny college student.

To start, definitely get a normal first aid kit with all of fixings like bandages, ointments and other such amenities. These are always useful around the dorm as it is and may be of use to you on a sick day. Heres what you need to add to be prepared for the next time you cant even move out of bed:

Construction photography uses of photography in real estate

What is construction photography? Is it just taking pictures of the real estate projects or is it something different? It is different. It is not regular photos of a hotel or resort. In this style, pictures are taken from a height like 2000 feet above the ground level. Of course, the cameraman rides an aircraft to achieve that height.Real estate projects seen from the above fulfill a purpose that is keeping a close eye on the developments. Considering the number of men and machines involved in completing a project, it is mandatory for the developer to keep a close watch to determine the speed of development. The developer can view the entire project from a height. He can see the number of men and machines working at any given time. The developer can get the aerial pictures clicked from a professional cameraman.

Construction photography is an ideal way to keep an eye over the ongoing development work. Images taken in intervals can show the milestones achieved in a given period. Such images can be used in yearly reports, business presentations and to satisfy the investors. The images would help the developer determine how many men and machines are actually working, whether building material creating obstructions and are the vehicles parked at right place.Aerial pictures can be used to locate a specific machine or an important part of the project. For instance take surrounding garden. The pictures would show how the garden is maintained and whether it needs improvement or not. Similarly the pictures can be used to keep track of movement of building material so that nothing goes waste or lost.

Tons of building material is supplied to a big real estate project site and it is learnt that a lot of material goes waste due to strange reasons. Construction photography can locate the lost material on the site. In reality trucks carrying the material unload the material wherever they find space. In this way it becomes difficult for the contractors to keep track of the full material. But with aerial pictures they can find a convenient place for unloading expensive building material.Construction photography is an expensive art but it saves developers thousands of dollars and also helps them promote their projects. The pictures are taken at a set time and the photographer uses closes airport for riding an aircraft. This photography is taken as part of the real estate project.