Bad Credit Loan Secrets Most Lenders Don't Want You to Know

Image by Getty Images via @daylifeWhen it comes to bad credit and home loans, you'll think of all of the negative things you have heard. All of these messages come from major lenders, most mortgage brokers and the media, and unfortunately, a lot of what is being said is untrue. Put simply, everything about bad credit loans that you have heard is negative, and the reality is, there are positives in the world of bad credit loans. The lenders and most brokers just don't reveal it, because they don't want to be patting the back of a competitor. Since I've just opened a can of worms, your next question will be, "What are the secrets?"
Bad Credit Loan Secrets Revealed!
The mother of all bad credit loan secrets, from which many other secrets come from is quite simple: if you have bad credit, home loans that are affordable are out of the question. From this stems the belief that home ownership is impossible for anybody with bad credit, and if you're bankrupt, there's no chance at all. According to the big lenders and majority of mortgage brokers, if you have any of the following on your credit file, you have bad credit and are beyond help:
oPersonal bankruptcies;
oArrears on mortgages;
oRepossessed houses;
oWrits;
oJudgements; and
oDefaults.
I can say with almost full certainty that you too have believed this for quite some time. If you have bad credit, maybe it has even resulted in you avoiding the prospect of home ownership. Perhaps you have been caught in the rental trap for years, because you're drowning in debt? Even if this is the case, something can be done. The banks don't want to know you, but there are companies that do - the competitors of the major lenders and banks - the non-conforming brokers. Bad credit mortgage specialists focus on securing bad credit home loans for people with financial difficulties. They can do the same for you too. Only thing is you'll never hear the banks telling you that. They want you to believe that home ownership and loans are out of the question for you, so you won't approach them and waste their time. They consider bad credit clients to be 'too difficult' - put simply, if you have bad credit, you're too much work. More effort is required to find a competitive home loan if you have bad credit, so the banks and majority of mortgage brokers will tell you to go away. They won't tell you to come to non-conforming lenders and brokers though, because in a sense, they are competing with them.
Forget the Banks and the Majority of Mortgage Brokers
As you know, these guys just won't help you if you have bad credit issues - no matter how big or small. The good news though is that non conforming lenders and brokers, in particular bad credit mortgage brokers can work with you, so you can be financially stable again, and enjoy the full benefits of home ownership. Now you know the secrets the majority of lenders and most mortgage brokers are keeping from you, you can turn to a non-conforming broker or lender that can turn your dreams of home ownership and financial stability into a reality.
http://www.bad-credit-loan-expert.com
© Julian Thornton, Designer Mortgage Solutions Pty Ltd, 2006.
Julian Thornton is a Melbourne, Australia-based mortgage and debt analyst specialist. Julian specializes in the field of bad credit mortgages and personal money management coaching. Julian can help literally anybody into their own home and prepare them for financial success. If you need financial relief and desire control of you personal finances then Julian can help you. He is the author of

Discover the Real Cancer of Our Western Culture

Image by Getty Images via @daylifeSit down and think long and hard about the problems people in society face. Think about the problems our communities as a whole face, and try and determine what the probable causes of these are. Chances are things like crime, poverty and relationship breakdown will come to mind and you’re probably going to attribute the cause to money. “Money is the root of all evil,” you’ll probably say now that you’ve thought about some of the major problems our country faces, however I’m going to challenge you right now if you think money is the root of all evil.
The Cancer of our Western Culture Revealed…by a Bad Credit Mortgage Expert
I know, I know, you’ve probably read that subheading and thought it sounds crazy, and you know what? You’re right! A cancer discovery is something a medical professional makes, and I’m no medical professional. To elaborate some more, I’m going to tell you that this cancer is financial, and I am a financial professional. Society’s cancer is poor money management! Money isn’t the root of all evil – poor money management is. So, since I have put the blame of many of our societal problems on poor money management, it’s a good idea right about now to take a look at what poor money management actually is. Put simply, if you do any of the following things, you are suffering from the cancer that is poor money management:
•You are living beyond your means
•You are making impulsive purchases
•You have more month at the end of your money, rather than more money at the end of the month
•You do not know how much you need to retire
•You are saving nothing
•You are paying more than 12% interest on at least one credit card
•You are paying just the interest on at least one credit card
•If you ever save, it is with the approach to do so for a ‘rainy day’
•You consider yourself to have no money
Like most Australians – and sadly, most of us have poor money management skills – you’ll probably find that you can relate to one or more of the above mentioned points. It is a sad fact that most of our fellow Australians are battling along as a result of poor money management behaviour, and they are suffering for it. It’s not the fault of the individual who is suffering either. I mean, take one look at the advertising the big financial institutions and retailers hit us up with – the buy now, pay later promises for one! Think about all of those ‘interest free purchase’ and ‘low interest rate credit card’ carrots that these big companies dangle in front of our noses. Is it any wonder so many of us are succumbing to this cancer?
The Cure to this Cancer is also the Prevention
You’ve probably figured out what the solution to poor money management is. It’s a complete no-brainer actually – it’s good money management. It’s easy to figure out, yet harder to implement. It takes discipline and determination to adopt the practices of good money management into your home. So what exactly does good money management involve? Put simply, it is an approach whereby you live within your means and account for all money in and all money out. It also involves clearing any debt and saving not just a rainy day, but every day where you may find yourself requiring a few extra hundred or thousand dollars.
Getting the Cure
If you’re in a situation right now where you feel you are losing control – or have lost control – of your financial affairs, you need to view this as an opportunity to a brighter financial future. Look at it in a positive light, rather than getting depressed, despondent and embarrassed. As a bad credit mortgage expert, I understand bad credit and its implications, and I know that poor money management is the root of this cancer. You need help in curing your poor money management situation, so do something about it today! Sticking your head in the sand and ignoring the problem won’t make it go away. Bad habits die hard and you need all the help you can get. You don’t need to live another day struggling with bad credit and money problems, so find a reputable bad credit mortgage expert today and we can start talking to them about the options that really do exist, so you can get back on track financially. Who knows, you may just be pleasantly surprised at the multitude of options that are presented to you. Don’t wait any longer and do something!
Julian Thornton is a Melbourne-based mortgage specialist who owns and operates the highly successful Designer Mortgage Solutions Pty Ltd. Although specializing in the field of bad credit mortgages and debt elimination, Julian can help anybody into their own home and prepare them for financial success. Julian can be contacted by email at julian

Announcing a Breakthrough in Bad Credit Loans

Image via WikipediaAll of those negative messages you hear about bad credit and mortgages! I'm talking here about how it is commonly believed that if you have bad credit it's virtually impossible to get a home loan, and if you do happen to get a home loan, then the interest rate will be so high it will be a feat in itself just meeting the repayments. In Australia, every Tom, Dick and Harry will tell you that bad credit is bad news when it comes to your prospects for a home loan, however, there is has been a breakthrough in the bad credit mortgage industry. To date, nobody has been brave enough to reveal it - until now!
The Breakthrough in Bad Credit Loans
Forget those negative messages you no doubt have been inundated with, compliments of the media, big lenders and the majority of mortgage brokers! As a bad credit mortgage expert, I can honestly say that the negative messages are false. Here is a summary of the bad credit loan breakthrough:
oA mortgage is possible with bad credit: If you are suffering from the symptoms of bad credit (defaults, writs, repossessions, bankruptcies, judgements, etc), you can get a mortgage. The major lenders and most mortgage brokers will say you cannot, because they can't help you. In their eyes, you're too difficult to help. These guys simply want to nail the quickest, easiest sale and with bad credit, more running around is needed on their part to secure the loan that best suits your needs. A mortgage is possible with bad credit, because I secure them all the time and so do other good brokers who specialise in the area of bad credit mortgages.
oThe interest on a bad credit loan won't kill you: No doubt you have heard the messages that a bad credit loan will have huge interest rates that will cripple your already wounded money situation. The good news is that this isn't the case. Due to the fact that bad credit is on the rise in Australia, the area of bad credit mortgages is more competitive, and that means the interest rates for such loans will also be a lot more appealing. It is possible to secure a bad credit mortgage without incurring huge interest rates. For instance, it has been possible to secure a bad credit mortgage with an interest rate of 5.79% in the first year, and 7.79% after the first year. Rates like these are good!
Taking Advantage of the Breakthrough
Mark my words: you won't be able to secure a home loan through a big lender or the majority of mortgage brokers. To secure a loan that works well for you, you will need to work with a bad credit mortgage expert. If you are suffering from bad credit and you're looking to get into a home of your own, now is the time to take that first step towards a financially successful future. Reputable bad credit mortgage experts work with bad credit clients each day, and they secure competitive loans for them each day. Find out how you can as well and do something about your situation today!
Julian Thornton is a Melbourne, Australia-based mortgage and debt analyst specialist. Julian specializes in the field of bad credit mortgages and personal money management coaching. Julian can help literally anybody into their own home and prepare them for financial success. If you need financial relief and desire control of you personal finances then Julian can help you. He is the author of "How To Get A Mortgage When No-one Wants To Give You One!"
© Julian Thornton, Designer Mortgage Solutions Pty Ltd, 2006.
Article Source:http://EzineArticles.com/?expert

Securing A Mortgage - Inside Secrets To Securing A Mortgage When You Have A Judgement

Julian Beever (Photo credit: FePe55)Unless you are working in the area of bad credit and finance or have a judgement, chances are you don't know what one is. A judgement is a court order which instructs you to pay a certain amount of money to a creditor. Each judgement remains on your Credit File for five years, and if you have a judgement, you are considered to be a person with bad credit. This means that you can forget about the banks or most mortgage brokers if you are seeking a home loan. Hope is at hand however, and a bad credit mortgage specialist can work with you to secure the home loan that is right for your situation.
Do you have a Judgement?
If you have a judgement, you will know about it because it is a court order. What you may not know though is if the judgement is still on your Credit File. The best way to find out if you have an active judgement on your file is to obtain a copy of it. Baycorp Advantage is the company that manage and store Credit Files in Australia, and you can find out how you can obtain a copy of your file by visiting http://www.mycreditfile.com.au. If you discover that you actually have a judgement, don't panic! It's just another financial problem that bad credit mortgage experts can help you to overcome, so you can get into your own home and on the road to financial abundance.
Managing your Judgements
It's never nice to receive a court order demanding you to pay money to a creditor. Most people will shudder when they hear their name and 'court' mentioned in the same sentence. As a bad credit mortgage expert, I can confidently say that even with a judgement on your Credit File, you can secure a home loan. By choosing to do business with an experienced bad credit mortgage specialist, you'll not only get a good home loan, but you will also be taught how to implement good money management practices. This determines the judgement management approach. The best way to manage your judgements is to pay them. View a judgement as a debt that you need to clear, and do so within five years, because that is how long your judgements will remain on your Credit File. Commit to paying off your judgements, and you are not only helping yourself to secure a home loan. You are also teaching yourself good money management practices, and that will equip you for a financially secure future.
A Judgement isn't the End of the World: Get Help and Start Managing Them
As you already know, bad credit isn't the end of the world, and neither are judgements. Look at a judgement as an opportunity - a catalyst for positive financial change. Commit to paying your judgements and talk to a proficient bad credit mortgage specialist about ways you can get into your own home sooner - even with a judgement on your Credit File.
It's Nothing to be Ashamed About
Bad credit is rapidly on the rise in Australia, so it will be a comfort for you to know that you are far from being alone. As a bad credit mortgage specialist, I believe individuals aren't to blame for their bad credit habits. After all, the movers and shakers of banking and finance are constantly bombarding us with messages to, "buy now, pay later" - sometimes even five years later, with the most recent interest-free offers clogging up the airwaves, not to mention our mailboxes. If people are educated on good money management and directed accordingly, I guarantee there would be less people struggling with bad credit issues. If you're struggling now with judgements or any other bad credit issues, it's time to turn this situation into an opportunity for positive change. Talk to a bad credit mortgage expert who is good at what they do and see just how successful you can be financially - regardless of your situation - now!
Julian Thornton is a Melbourne, Australia-based mortgage and debt analyst specialist. Julian specializes in the field of bad credit mortgages and personal money management coaching. Julian can help literally anybody into their own home and prepare them for financial success. If you need financial relief and desire control of you personal finances then Julian can help you. He is the author of "How To Get A Mortgage When No-one Wants To Give You One!"
www.bad-credit-loan-expert.com
© Julian Thornton, Designer Mortgage Solutions Pty Ltd, 2006.
Article Source:http://EzineArticles.com/?expert

Organized Financially - Your Own Home Faster With Bad Credit

Image by Getty Images via @daylifeDefaults, repossessions, judgements, bankruptcy...forget everything the media, the big banks and the majority of mortgage brokers have ever told you about these financial issues and mortgages! I guarantee what you have heard is negative, and enough to drive a person with bad credit to "Despondency Central"! The great news is that it's all wrong! Completely false! There is hope for the financially wounded in Australia, and yes, contrary to popular belief, they can own their own home. All it takes is some preparation, but it isn't as hard as people make it out to be.
It's Best to Purchase Sooner Rather than Later
In most cities in Australia, perhaps with the exception of Sydney where the property market is a little flat, property prices are on the up. All in all, it's a good time to buy - to get in before the prices get any higher, or to take advantage of stagnant property prices. Given the current situation, the time to start preparing for mortgage readiness is now. Forget the issue of bad credit. I've already told you home ownership is possible if you have money problems.
Come on...I know you want to Purchase your own Home
I've spoken to many people with bad credit, and although they have written themselves off when it comes to buying their own home (thanks to the negative lies of the big banks and most mortgage brokers), deep down they want to own their own home. We all have our reasons for wanting to purchase our own home. If you can relate to any of the following, then it's time to start pursuing the home ownership reality for yourself:
oYou wish to live closer to your family and friends;
oYou wish to live closer to your work, school and social activities;
oYou wish to achieve the greater freedom and independence that comes with home ownership; and/or
oYou wish to increase your self esteem and sense of security.
Getting your Reality Check
Buying a home is no cheap feat. In fact, it can be expensive. I can say without a doubt that buying a home will represent the most significant purchase of your life. Once you decide to pursue home ownership for yourself, you need to ask yourself a number of key questions:
oDo I have money for a deposit?
oCan I easily get out of my current rental lease?
oWhere do I want to live?
oWhat can I afford?
Be realistic! It's easy to get swept away in the excitement of home ownership, however if you get real about things, you're setting a good foundation for yourself.
Get Organised Financially
Sometimes it takes some preparation to get mortgage ready, and chances are if you are struggling with bad credit issues, a good specialist in bad credit mortgages will have to work with you to prepare you for home ownership. A mortgage is a big responsibility, but with professional help, you'll be able to handle it well, and set yourself up for a financially secure future. That's because bad credit mortgage specialists work with you to examine your current credit situation, clear up any debts and settle you into a saving routine, so you will be in the best financial position for mortgage success.
Get Pre-Approved
After working with a bad credit specialist to get your financial house in order, it's time to determine how much you can afford to borrow. Experienced bad credit mortgage expert know what our clients can and cannot afford, and they find clients the best loan to suit their situation. Such specialists will work with you and explain the options and detail exactly how much of a deposit you will need (whether you require a 5% or 10% deposit or no deposit), and what you will be paying once you secure your mortgage. Once your specialist broker obtains pre-approval from a lender, you can then confidently look for the property you want to buy, knowing that you have the finance all approved.
Do Business with Reputable Real Estate Agents
So many people have had their house hunting experience ruined by a less-than-credible real estate agent. I recommend that you search for properties listed by credible agents, so you can be assured of a pleasant home buying experience.
Get Mortgage Ready Now!
You've read this article, so you have reason to ignore the negative messages regarding bad credit and home ownership. You can own your own home with bad credit! Take your first step towards owning your own home and getting financially secure by getting in touch with a reputable bad credit mortgage expert today!
Julian Thornton is a Melbourne-based mortgage specialist who owns and operates the highly successful Designer Mortgage Solutions Pty Ltd. Although specializing in the field of bad credit mortgages and financial coaching, Julian can help anybody into their own home and prepare them for financial success. Julian can be contacted by email at julian

Repairing Credit Record - Simple Steps To Restoring Your Credit File

Image by Getty Images via @daylifeIf you've been hearing the media, the big lenders and the majority of mortgage brokers over recent years, chances are you'll know that if you have bad credit issues detailed on your Credit File, you won't get a mortgage from a bank. You'll also find that most mortgage brokers won't be able to help you either. This said though, you can still get a home loan, even with problems listed in your Credit Report. It's always a good idea to work hard to restore your Credit File, and this might sound complicated, but it's not. I'll show you why!
The Steps to Follow
In just a few straightforward steps you can do a great deal to restore your Credit File, which is something you must do for your own financial good. Here's what you need to do:
oObtain a copy of your Credit File: This is really easy to do. Just visit http://www.mycreditfile.com.au and you can request a copy of your Credit File from Baycorp Advantage - the company that takes care of Credit Reports in Australia.
oRead the Credit File carefully: This is very important because the outcome of your loan applications is based upon what is contained in this document. Check the file carefully to ensure there are no errors or omissions. That's right - you can be penalised if important details are not contained within your Credit File, so be meticulous in your examination of it.
oWrite down any questions you have: Financial documents can be confusing to many people, so if you have any questions or need clarification about anything in your file, take notes on paper and make a phone call to Baycorp to seek answers.
oReport any mistakes: If you see on your file accounts or outstanding debts that you do not believe are yours, find out why they are listed on your report. This is very important. Raise the issue with Baycorp. More than likely there won't be anything to be alarmed about. Normally such entries are the result of the credit activity of a family member, however credit fraud is on the rise in Australia, so your vigilance is important.
oPay any outstanding debts reported on your Credit File: By committing to a plan that allows you to repay any of your outstanding debts, you are sending a really positive message to lenders. Your Credit File details your repayments, so your hard work will be noticed. By paying such debts, you are also improving your own money management skills.
Can I Remove Legitimate Listings on my Credit File?
It is impossible to remove any legitimate listings on your Credit File, because quite simply, this information is on your file for a reason. In repairing your Credit File, it is best to follow the above mentioned steps and avoid any credit repair companies that claim they can remove any negative listings on your Credit File. Only you have the power to request the removal of any Credit File listings that are proven to be illegitimate or made in error.
Build for your Financial Future - Start Repairing the Damage!
Whatever you do, don't be discouraged by any negative inclusions in your Credit File. See this as a wake up call and an opportunity to pursue financial success. By following the steps outlined above, you are teaching yourself good money management skills, which if you maintain, will last a lifetime! For further assistance on how you can turn your bad credit situation around, please contact a bad credit mortgage specialist with a great reputation today.
Julian Thornton is a Melbourne-based mortgage specialist who owns and operates the highly successful Designer Mortgage Solutions Pty Ltd. Although specializing in the field of bad credit mortgages and debt elimination, Julian can help anybody into their own home and prepare them for financial success. Julian can be contacted by email at julian

Finding You The Money- How to Convince Lenders to Lend you Bad Credit Money

Image by Getty Images via @daylifeMake no mistake. There is bad credit and there is really bad credit. Some people may have a moderate case of bad credit, whereas there are other people with acute cases that may include repossession and bankruptcies. Regardless of the severity of the bad credit case, there is still hope for anybody with bad credit when it comes to securing a bad credit home loan. I know this well, because I am dealing with such issues every day and I know just how good the possibilities are. Now I'm going to explain to you how a credible bad credit mortgage specialist can show you the money!
Finding you the Money
As bad as some situations may be, the reality is there are lenders in this country - and your city - who are more than happy to loan you the money. This said though, there are some sharks out there (yes, that old saying 'loan shark' is true) who are willing to really rip you off and take advantage of your situation, so you need to find a really competent, experienced bad credit mortgage expert to help you secure a good home loan. Credible companies that specialise in the area of bad credit mortgages make it their priority to not only find you a great home loan, but provide you with the financial guidance to help you achieve financial success now and in the future. In other words, these specialists groom you for a mortgage that works for you, in terms of getting you into a home, and on the road to financial success. They do this, and they find you the loan best suited for you - easily.
Bad Credit is an Opportunity for Working Towards Success
Lots of people think that bad credit and bankruptcy is the end of the world. Sure, it's traumatic being hounded by creditors, threatened in letters of demand, losing your car and declaring bankruptcy, however it is an opportunity to turn your bad credit situation around. This is the only way you should look at the situation, otherwise bad credit and bankruptcy really will signify the end of your financially independent dreams. If you view your situation in this way, then you will overcome your financial hardship once and for all, and you will own your own home. With expert direction, you can follow a specific financial plan just for you. It will give you complete control over your finances and equip you with what you need to become a good money manager. This will make you attractive to lenders, despite your bad credit situation, because they will clearly see, with professional help, that you are on the way to a future that is financially secure.
Overcoming the Shame
Honestly, shame is what holds a lot of bad credit people back from seeking the advice and guidance they need to kill the old, bad money habits. If these people saw just what we a bad credit mortgage specialist can do for clients with money problems, more people would be enjoying a financially stable lifestyle. The step to achieving financial success and convincing a lender to show you the money is to enlist a team of experts in bad credit mortgages to groom you for financial success and home ownership. Make the decision to do this, and it will be one of the best decisions you'll ever make. Find a reputable bad credit specialist to talk to today and find out how you can turn your back on bad credit, for good.
Julian Thornton is a Melbourne, Australia-based mortgage and debt analyst specialist. Julian specializes in the field of bad credit mortgages and personal money management coaching. Julian can help literally anybody into their own home and prepare them for financial success. If you need financial relief and desire control of you personal finances then Julian can help you. He is the author of “How To Get A Mortgage When No-one Wants To Give You One!” www.bad-credit-loan-expert.com

Roles of Credit Repair Companies - Credit Repair Companies - What they Can and Can't Do

If you are currently struggling with the consequences of bad credit, chances are you are really hungry for a solution to your money problems. The telephone calls from collections agencies, the demands of payment in your mailbox, the constant living on the smell of an oily rag, the bank account continuously going into the red…it makes for a stressful way of life, and you deserve better. You turn the television on and the second commercial you see is for a company that promises to repair your credit file. Sounds great right? After all, you’ve lost track of the defaults you’ve accrued, and bankruptcy…that’s something you’re beginning to think is inevitable.
You’ve seen the Ads, so what is a Credit Repair Company?
It’s fairly self-explanatory really. A credit repair company is a firm that works with you to improve your bad credit situation. Such companies can do the following for you:
•Identify mistakes on your Credit File: It is possible that some entries on your Credit File were made in error, or as the result of fraudulent activity (e.g. if somebody stole your wallet, with your ID and applied for a loan under your name). Credit repair companies can identify such errors and bring them to your attention. You can then approach Baycorp Advantage – the company who looks after Credit Files – and put forward your case proving the error and asking for the removal of the entry. Only you are authorised to put forward such a case.
•Negotiate your Debt Down: Credit repair companies can act on your behalf to negotiate with your creditors, in an effort to reduce your debt. They can do this by proposing an informal agreement with your creditors, or a formal debt agreement (also known as a part IX or X).
•Work with you to Consolidate Debt: Such companies may secure loans for their clients that allow you to combine all of your debts into one loan, which can free up extra money for you each month.
•Arrange Mortgage Refinancing: If you are in debt, these companies may be able to propose a refinance option for you. By refinancing, you use the equity in your home to pay off the more urgent (i.e. higher interest) debts. This method can also allow you to consolidate your debts into one easy monthly payment, which can help you become a better money manager.
•Advise you of when Bankruptcy is Best: Bankruptcy should only ever be viewed as a last resort, and these companies can assess your situation to determine if bankruptcy is your only option.
What a Credit Repair Company Cannot Do
As you may already have guessed, there are some things that credit repair companies cannot do. A credit repair company cannot:
•Remove items from your Credit File that are Legitimate: If you have defaults, judgements or writs that are legitimately on your Credit File, a credit repair company cannot remove them. These items are on your Credit File for a reason, and cannot be removed by anybody.
When Should I see a Credit Repair Company?
If you are struggling with financial issues, or feeling like you have lost control of your financial situation, you need to speak to a credit repair specialist. Find a good, reputable company that specialises in credit repair, and find out how you can turn your bad credit situation around. The path to a good credit, financially independent future is only a phone call away, so don’t wait another minute!
Julian Thornton is a Melbourne-based mortgage specialist who owns and operates the highly successful Designer Mortgage Solutions Pty Ltd. Although specializing in the field of bad credit mortgages and debt elimination, Julian can help anybody into their own home and prepare them for financial success. Julian can be contacted by email at julian

SMSF Strategies: Why Should You Buy Property in a SMSF?

Image by Getty Images via @daylifePeople generally experiment with a wide range of investment options to enjoy high returns on investment. Investments can be in the form of shares, direct property, bonds, assets and insurance schemes. However when you invest money in shares, cash funds or industry operated super funds, you have a fund manager who operates the funds across various sectors depending on the performance of the economic market. SMSF strategies give you the benefit of controlling and managing your own finances invested in the fund without having to depend on others. One big benefit is you get to save on the fund management fees and charges that can be incredibly high on some of the superannuation industry managed funds. If you have adept knowledge about investment options and understand how funds operate then it's a wise decision to invest in a SMSF fund. You will need to devote certain amount of time, money and energy into maintaining and operating this type of SMSF fund. However, the effort is worth it as you get to enjoy higher returns on investment over a long period of time.  
The SMSF fund consists of maximum of four-member trust that play a key role in deciding upon the investment strategies that favor the fund. You should be able to identify the most profitable and consistent investment strategy that will yield maximum returns on your self-managed super annuation fund. If well planned and well managed your SMSF strategies can sometimes outperform what the industry standard has been over the past 15 years or so. Sadly that real rate of return is only about 3% according to an ABC TV report conducted in 1010. It does take time and practice to master the art of investing and managing your own SMSF fund. But it is worth the investment, as you tend to save your income to profit from it at the time of your retirement. There are numerous pension schemes that are available in SMSF funds, which help you enjoy high rate of returns on investments at the time of your retirement. Planning for your future is important and the best way to do it is to invest in SMSF funds as you get to save and invest while you work to enjoy the returns during your old age. Another point to note is that self-managed superannuation fund can be paid out at the time of retirement, disability and death and need not necessarily be wound up at the time of retirement.
Using SMSF strategies are also highly portable and transferable. You can continue contributing towards the fund even if you switch jobs and it can be transferred from one generation to another in the even of death etc. If however, in emergency in case you need some amount of the fund there are options for withdrawing and contributing towards the same. We have a team of experts who can counsel and guide you on the pros and cons of investing in SMSF funds. Always talk to a licensed specialist who operates within the law and is an expert in SMSF strategies.
SMSF Strategies: Why Should You Invest in SMSF? The SMSF fund consists of maximum of four-member trust that play a key role in deciding upon the investment strategies that favor the fund. Learn more visit us at: http://propertyinabox.com.au/australianinvestmentproperties/investor_seminar
Article Source:http://EzineArticles.com/?expert

NRAS Housing: An Effective Income Tax Benefit for Australian Property Investment Buyers

Image by Getty Images via @daylifeNRAS Housing: An Effective Income Tax Benefit to Australian Investors
NRAS Housing, known as National Rental Affordability Scheme, is one of the best ways for property investors to get started buying Australian investment properties.
It is also one of the best ways an experienced real estate investor can grow their portfolio because of the extra $90,000 provided by the Government over the first 10 years of ownership.
The sole objective is to create extensive investment opportunities in the Australian market. Many large-scale investors seek to register under this scheme to derive the benefit of high returns on their direct property investment. The rationale behind NRAS scheme is to:
1. offer tax-free incentive per dwelling to investors who build
2. rent out approved dwellings at a rate that is less than 20 percent of the prevailing market rate for the benefit of poor and moderate income holders.
Through this scheme the Australian government seeks to reduce the tenancy crisis. This scheme is supported by the Queensland government and seeks to increase the supply of affordable rental dwellings in Australia by 50000 by the year 2014. They have already allocated 15000 at the time of writing this article and they expect to have filled the allocation by the end of 2014. In other words, don't hang around and wait forever because you will miss the boat...
This is a fantastic option for all potential investors. Why?
This is the only government property incentive that you get back as tax credits in cash.
Investors reap some amazing benefits through this NRAS housing schemes:
1. positive cash flows,
2. enhanced rental yields,
3. minimum $9140 tax free incentive every year for every property invested in and more than $90000 of tax free incentives over 10 years.
You can enjoy high rentals and attracts tenants locally and internationally due to such reduced rental rates.
However there are certain strict stipulations and guidelines to be eligible to invest in NRAS dwellings. The Australian Government has released a list of locations of properties that are eligible under this scheme. To avail the benefits of this scheme you have to follow the rules and regulations and invest in the region, state that is approved as per the list. NRAS proves to be a commercial and profitable investment for participants of this scheme.
The main distinguishing feature of NRAS housing dwellings and other conventional residential property investments is that NRAS incentive provides better cash return to investors even though the investor is receiving rent at 80% of rental market value.
NRAS encourages only large-scale investors to avail such incentive and hence small-scale individual investors are not eligible for this scheme. For those private and individual property investors who want to take advantage of this NRAS scheme by investing in just one or two properties, we can arrange and facilitate the application process as we involve in large-scale investments.
Our team of professional property investors understands how you can access this scheme and get the most value from it to build your portfolio successfully.
Looking for someone that can provide investment quality service? End of your quest, visit us at http://propertyinabox.com.au/australianinvestmentproperties/nras for more details.
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7 Essential Tips To Making Money Online For Beginners

Image by Getty Images via @daylifeMaking money online for beginners is not as difficult as you may think it is. Read on to discover a simple process that can get you working a profitable online business in the next 30-90 days.
There is a good chance that if you have found this article you are a brand new aspiring online entrepreneur or you may have been trying to make money online for months or even years and not made a dime yet. I know I have tried just about everything, even to the point of flying over to the USA from Australia for several online guru conferences only to find out that it was just another pitchfest designed to extract as much money as they can out of your pocket. It used to make me mad but now I go to these conferences to meet the amazing people that attend them, learn from them, expand my networks and make notes on how the speaker uses direct emotional response selling to get people to literally run to the back of the conference room to buy whatever product/course they are selling on the day.
My point in telling you about this is to let you know that I have spent thousands of dollars, traveled thousands of miles and literally spent years trying to figure all of this out. It was so easy to get swamped and overloaded and if this sounds like you then I want you to STOP! Stop buying all the courses and software that promise to make you a fortune in the next week. JUST STOP IT! What you need to develop is a business, not a fad or gimmick.
So if this does sound like you, then take a big breath and try not to panic. You are in the right place and I am about to share with you the 7 tips to making money online for beginners. You are in newbie heaven I promise you.
So please understand for now that the more desperate you become or feel to make money online, the harder it will be for you to succeed, and you will just be setting yourself up for failure. If there is one thing I have learnt the past 10 years of business it is the need to enjoy the journey no matter what is going on. So we really need to make sure you set yourself for the best possible chance of success. It's all part of your evolution as a business person right. So do all you can to keep your emotions balanced and attitude positive while you find something to help you that has these 7 essential ingredients to making money online for beginners.
When I talk about "ingredients I am talking about the 7 main components you will need around you to give you the best chance of success. Please note I am assuming you have a computer, internet connection, electricity connection, that the business is legal etc and the individual has a healthy brain that works (It's amazing what futile nonsense some people send me and they will surely fail until they adjust their attitude! Capiche?)
Here they are:
1. A proven business system and/or process that is working TODAY
2. Simple enough for an 8 year old child to understand it and implement
3. Requires little investment to get started and maintain with a realistic guarantee to cover your investment
4. Requires only 1-3 hours a day if you are working full time
5. You can get a return within the first 30-60 days and see it growing by following the process
6. Surround yourself with a community of successful, positive people/entrepreneurs who have a vested interest in your success
7. Reinvest 20% of your revenue into marketing and 20% into your education. The rest can go to taxes and profit.
BUILD A BUSINESS FOR THE LONG TERM
Now this may sound like common sense but you'd be surprised how most "programs" businesses don't cover these basic principles.
If you are new to making money online or have been around for a while trying to make money online, you will soon realise how easy it is to get swamped and crushed into paralysis by the enormous amount of information on the web.
Are you wondering where the hell do you start and how can you tell if something is legitimate or not? My goal for you here is to help you get off to a fast start by following a simple system that has great support to catch you when you fall (and you probably will!) This can save you thousands of dollars and months, even years of wasted time on gimmicks and slick sales people.
Julian Thornton is an experienced online blogger. Discover the secrets of how to make money from blogs and building a profitable online business. Watch the short video at http://www.bestmoneymakingblog.com to learn more.
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Joint Venture Agreements

Image by wsh1266 via FlickrDo you need capital to finance your business and embark on product development? Then why not consider entering into a joint venture agreement. You can partner with another business in your market. Joint ventures are generally tactical unions in which 2 or more companies, or possibly persons. There is usually an agreement to invest products, services and/or financing into a standard commercial business. Or, the agreement might center on completing a specific project.
In a joint venture, businesses can come together to share strategic resources. The size of the business is not a factor. An alliance can be formed between businesses of any size. The critical elements are those that the businesses have in common. These are shared in order to maximize the benefits that can accrue to them, as a combined unit.
These common elements can include: markets, assets, knowledge, intellectual property, and profit. They are important building blocks to any successful venture. By sharing markets, partners hope to extend their reach in the marketplace. New markets will open up, which can increase product awareness, and lead to increased demand for products, or services. Pooling assets will result in more resources becoming available for marketing and promotional efforts.
Sharing knowledge and intellectual property will result in savings. If one company has already done the technological research, then that information can be beneficial to both. In this way, the knowledge can be put to use quickly. When this is done, the benefits that can accrue in relation to product advancement, can be achieved at a much faster pace.
Joint ventures are not to be entered into lightly. They require commitment from all parties to the agreement. Also, there must be an awareness that decisions must be made in a consultative manner, this will ensure that fairness prevails.
If a joint venture is to be successful, a lot of planning must precede the final agreement. The parties should be very clear on what the objectives of the agreement are, and how those objectives are to be met. In addition, they should communicate what is expected of each partner, and the contributions each must make to the process. These are critical elements that must be clearly outlined, prior to any venture being undertaken.
E-commerce has created an added dimension to the world of joint ventures. It is now seen as one of the main ways to start a new internet business, and make money online. It is recommended that you embark on a joint venture if you have an in demand product and want to build a customer base. Forming an alliance with a company that already has a solid customer base, will give you the immediate access to a vast cross section of subscribers.
Building relationships is a key element in growing your business. The mileage you will be able to gain from being able to add customers, will only be beneficial if your business is backed by trust and integrity. This will go a far way in helping you to maintain clientele, and extend your market reach. Engaging in joint venture marketing, can help you to increase your market and lead to increased revenue.
Are you looking for an excellent affiliate marketing tutorial? Discover the secrets of being an affiliate right now:
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Finding Affiliates

Image by Matthieu Dejardins, eCommerce Activist via FlickrAffiliate marketing can make all the difference to your bottom line. It is the means by which Amazon.com has been able to significantly increase its market share. Amazon generates about 40% of its revenue by way of associate marketers. The company has a very effective Associate Program with about 1 million affiliates. That has helped to make Amazon a very visible presence on the internet. But how do you go about ? Start with a good product, and a sensible marketing plan. Once you have those key elements, affiliates will actually find you, but let's take a look at what more you can do. There are a few things you need to have in place:
• Make sure you have a winning product, which will have a good chance of converting to sales. If your product is not likely to convert, then affiliates will not be keen to promote it. The aim of every affiliate marketer is to increase revenue. Therefore, if they have to use their money to promote a product, they expect to make returns. If the product is not a success the first time out, they are not likely to give it a second chance. A product that has sells quickly is like a magnet to affiliates, they will seek out a successful product. The affiliate market is now a very competitive one, and each player is aware of what the other is marketing. You should also consider setting up an affiliate page on your website. You can use this to display all the information, and resources that you have for affiliates.
• Have a well articulated Affiliate Program, which offers an attractive commission to affiliates. Offering a good commission is one sure way to catch the attention of successful affiliates.
• Do the research so you know what affiliates are looking for. Determine which affiliate program is best for you. The most popular ones are Pay Per Click and Pay Per Sale. Because of the low returns, the Pay Per Click affiliates are likely to leave you as soon as a better offer turns up, However, if your product is a good one, then you will be able to snag some of the more experienced and successful affiliates.
• When you make contact with an affiliate, ensure that you make your product offer attractive to them. This is why it is so critical to have a winning product to start with. Make them aware of the benefits to be gained from promoting your product, and let them know if you already have other affiliates on board.
• Sign up with a company which deals with the accounts of firms which have affiliate marketing programs. One such company is Click bank, which provides the assistance you need to effectively manage your affiliate programs. Going this route will help you to tap into many companies. That will ensure that you have at your disposal, a large marketplace in which your business can grow.
Try to remember these tips before you set up an affiliate program. If you do, then will be easier, and you will be sure to find the success that others, like Amazon, have found.
Are you looking for an excellent affiliate marketing tutorial? Discover the secrets of being an affiliate right now:
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Affiliate-Associate Marketing

Image by rogercarr via FlickrE-commerce helped to turn conventional marketing strategies upside down, and added dynamism to the marketing landscape. The internet generated article marketing, added another notch to niche marketing, and also launched affiliate or associate marketing. As a result, affiliate marketing is now at the top of every strategic business plan. Because of its success, it is now regarded as the top online marketing strategy. So just what exactly is affiliate marketing, and why do you need to know about it?
In response to the first question, affiliate marketing is a marketing technique where a merchant, (product owner or service provider), rewards affiliates, for each referral. These referrals are generated as a direct result of the affiliate's marketing initiatives. Every business owner needs to understand affiliate marketing, because it is big business. It now generates billions of dollars in sales revenue on an annual basis. Revenue flows both to the business owner, and to the affiliate.
Image via WikipediaWhen well orchestrated, affiliate marketing is a very effective marketing tool. It will result in an increase in website traffic, as well as an increase in revenue. Essentially, it is a revenue sharing approach to marketing, and involves a contract between a merchant on the one hand, and an affiliate on the other. Merchants will be able to gain maximum exposure for their brand, without having to spend any money if there are no results. This exposure will lead to increased revenue and profit. The affiliate will also increase revenue, as payment is based on the number of referrals made.
In terms of revenue sharing, affiliate marketers are paid a commission for the business they refer. They will either direct traffic to the merchant's website, or help to sell their products by placing the merchant's advertisement on their site. The joint venture between the merchant and affiliate is usually formalized by way of an Affiliate Program. There are several programs which are now used, the two most popular are Pay Per Click, and Pay Per Performance.
As the name Pay Per Click suggests, the affiliate is paid each time a visitor 'clicks' on the banner or link that directs them to the merchant's website. The affiliate will be paid even if the visitor does not make a purchase. This is probably the least lucrative affiliate program option, because payment tends to be small, usually about $0.05 to $0.10 per click. Pay Per Performance includes both Pay Per Lead and Pay Per Sale. With Pay Per Lead, the affiliate marketer will get paid on every occasion that a visitor clicks through to the merchant's website, and then takes some action that creates a lead for the merchant.
With Pay Per Sale, an affiliate gets paid every time a sale is generated by a visitor that clicks through from the merchant's ad on the affiliate's site. This is a more lucrative option, as the commission can be as much as 20% of the final sale price. However, it is only beneficial if the conversion rate of leads to sales is relatively high, for the product or service. Affiliate marketing is now a very profitable method of advertising products and services. The merchant is able to market their product on several sites, and in the case of a Pay Per Sale program, those ads are free until a sale is made. In this way, merchants can ensure that their marketing dollars are being put to the best use.
One of the most successful proponents of affiliate marketing is Amazon.com. Amazon has built a successful associate marketing program, which boasts over 1 million affiliates. As with any good marketing tool you do have to plan for success. So the basis of any affiliate program must be a good overall business plan, a good product and a solid marketing strategy.
Are you looking for an excellent affiliate marketing tutorial? Discover the secrets of being an affiliate right now:
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7 Elements Of How To Make Money Blogging

Image via WikipediaHow to make money from blogging and creating a successful online business from home is becoming an extremely popular past time. Last time I checked the number of keyword searches for "how to make money blogging" there were over 40,000 a month for that keyword phrase alone and would you believe over 1 MILLION search the term "blogging" every month around the world. How crazy is that?
Unfortunately, the sad fact is that out of all the millions of blogs and websites etc that are loaded up every week only about 1% of people that own these sites actually make any money. Now if you believed every product, program, system, automated software and guru out there on the topic of blogging and online marketing you'd think all you had to do was turn on your computer, upload some magic software, click a few buttons and "Hey Presto!" your bank account starts filling up with cash and you never have to work again.
This is complete nonsense and if you are buying every program out there and getting swamped you must stop now. Read this article, watch a few videos I suggest and then go for a walk for 10-15 minutes to figure out how you can get going without any distractions and going from one product/program etc to the next. If you keep doing that then you WILL NEVER succeed. You may as well go buy a lotto ticket and watch TV because the odds will be the same. The only difference is you'll not have to do any work.
What I am giving you here are the 7 key elements of how to make money blogging so you can gradually build a strong, profitable online presence that will gain momentum to the point where you can never shut it down or knock it over.
You will be 10 foot tall and bullet proof! Here are the 7 key elements.
1. Profitable Niche
2. Profitable Keywords
3. Website Presence/Online Real Estate
4. Content- quality with appropriate keyword rich
5. Traffic- preferably targeted
6. Presell Offers to build rapport and trust
7. Search Engine Friendly
"That's Great Julian!" I hear you say. "I am completely new and I have NO idea where to start!" or you have been told so many things, so many different ways, wasted money and countless hours that you are now completely confused and about to give up.
Does that sound like you? I hear it all the time so if that is you I want you to take a big breath and realise that first of all you are not alone and it isn't your fault. It is very easy to get lost in all the noise. What I want to do here is make sure you understand how to get familiar with these 7 elements and have them making money for you
Just click on the link in my signature box to get yourself on the right track. Best of luck!
Julian Thornton is an experienced online blogger. Discover the secrets of how to make money from blogs and building a profitable online business. Watch the short video at http://www.bestmoneymakingblog.com to learn more.
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Make Money Blogging: 8 Simple Steps to Make Money Blogging

Make money blogging the easy way with a simple 8 step system
If you have been struggling to make money online, if you have bought course after course, roamed around the internet searching for ways to make money online, wasted hours of time getting frustrated, wasted countless thousands of dollars on false promises and felt like a complete failure because you simply can't get anything to work, then you are going to be very glad you found this article.
Simple System To Make Money Blogging Easy
Your days of frustration are over because you need to focus on are these 8 simple steps to follow to ensure you will make money online.
Here they are:
1. Set Up Your Merchant Account
2. Blog Daily
3. Market Daily
4. New Member Coaching
5. Empower Hour
6. Daily Audio
7. Read Daily
8. Attend The Events
Now don't get too concerned if you don't understand each of these 8 steps. Once you learn how it is very simple and will build your business quickly, as long as you just follow the very simple daily instructions. Nothing is very complicated I promise you and you will only need an hour or two each day for the first few months. I have tried so many different courses and made a mess of it and usually ended up quitting in frustration. It was hopeless trying to learn so many different things from graphics, to HTML to copywriting, to WordPress, to email marketing, RSS and so on and so on. It has driven me crazy and I felt like a complete failure.
Locate First Class Trainers and Proven Mentors!
Find and/or develop a comprehensive support network designed to empower you to new online money making heights so you start earning money from your blogging asap.
Each of the 8 steps has specific things you must do daily to maximise your earning potential. It really isn't rocket science and once you discover all the secrets to these 8 steps then you will soon make money blogging and be on the road to financial freedom while working from the comfort of your own living room, a local cafe or waiting to board an airplane to your favourite destination. All you need is a laptop, an internet connection and a solid understanding of these 8 simple steps and how to implement them. You'll soon be in great shape.
Small Investment and Guaranteed
One last tip. If you have to buy any tools, education or memberships make sure that you have a trial or unconditional guarantee period. Once you begin your search you can easily get swamped by tempting offers so be careful not to just waste a bunch of time and money. You can only really focus on one course or topic at a time. Once you have that established then move onto the next. Be very careful so you don't lose focus. Designing a plan for 90 days helps me keep focused on my time and my budget so be sure to write down what you are setting out to achieve.
If you follow these 8 steps with a focused plan that you action every day then you won't help but make money blogging.
Julian Thornton is an experienced online blogger. Discover the secrets of how to make money from blogs and building a profitable online business. Watch the short video at http://www.bestmoneymakingblog.com to learn more.
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7 Tips To Help You Make Money Online With a Blog

Making money online with a blog is certainly a great way to make money online and/or from home.
Why Not Work From Home and Make Money Online?
There are so many benefits because you can learn how to blog from home in your spare time and gradually increase your skills and income as you go. Sadly there are no quick fixes that I have come across that are 100% fail safe and guaranteed to make you money quickly with just pressing a few buttons. I am very skeptical about these automated software programs that guarantee commissions to flow into your account without having to do anything. I have tested many and they haven't made me a cent let alone thousands of dollars so please be aware of that from the start.
What you need is a methodical process that can guide you step by step. No hype and no nonsense. Something practical that you can follow easily, get support when you need it and gradually build up your business to replace your income as fast as possible.
7 Tips for making money online with a blog
1. Don't try to do it all yourself ie: tap into a simple tool that can get you set up so all you have to do is blog. Keep it VERY simple, especially if you are new to this. You can get bogged down in information overload very, very quickly. Maybe you already have?
2. Sell other marketers products and information rather than trying to create a brilliant, perfect product yourself.
3. Learn the secrets from proven experts.
4. Place ads on your blog so you can earn extra revenue from them. Amazon, Google AdSense, ClickBank and Commission Junction are all examples of this.
5. Realise that you don't need to be the expert. Just locate the right niches to blog about, drive the traffic and make money. We can show you how to get you going and learn why you earn!!
6. Once you have the skills in place and some cash flow coming in, use virtual assistants to do most of the work so you can work on more ways top grow the business or simply take more time off to do what you want to do
7. Stay positive, don't ever give up and find mentors that you can trust. WARNING! This can be a painful and long process but well worth it when you find the good operators out there and I have certainly found a few that I can highly recommend.
I know how overwhelming it can feel when you have just started out or have become frustrated with the learning process and/or have bought courses that have promised overnight success only for you to feel cheated when the reality hits that you actually do need to do some work and learn how to do this right, as a business, from day 1!
Take a big breath and focus on these 6 tips to help you make money online with a blog.
Julian Thornton is an experienced online blogger. Discover the secrets of how To make money from blogs and building a profitable online business. Watch the short video at http://www.bestmoneymakingblog.com to learn more.
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How Can I Make Money From Blogging? 6 Tips To Help You Get Started

button for blogs (bright) (Photo credit: r0ssie)"How can I make money from blogging?" Have you ever asked yourself that question and started to inquire about all the different ways you can make money from blogging? The possibilities are endless but why do only 1% of all blogs make a decent income? Probably because it isn't as easy as many make it out to be so you need to get the right advice from the outset in order to prevent you from wasting precious time and money.
The first thing you must understand is that you can't possibly do EVERYTHING. You must outsource. You'll need to understand a little about blogs and the technical side from a mentor or course but you don't need to do it. I currently have about 20 blogs making a little bit for me every week and growing all the time but I didn't build a single thing and I have no idea bout the technicalities of generating traffic and social media etc. That stuff drives me crazy and unless you already have those skills and are competent I wouldn't even try. It's easy to find experts to do everything you need and you won't have to spend a fortune either.
So how do you make money? Really very simple...
1. Education
2. A business activity plan
3. A proven system/platform
4. A consistent set of daily tasks
5. A payment or merchant account to process orders
6. Associate and network with successful marketers
Let me briefly expand a little on each of these.
When I say education I don't mean go and buy everything and spend all your time studying and all your money on things that don't make you money back quickly. You MUST start making a return asap. This is a business so please treat it like one. Find a mentor or group you like and focus on that until you can decide whether they really are good or not. Figure that out asap making note of any guarantee period deadlines so you can get your money back if you decide it wasn't worth the money.
You must plan your business if you want to make money online. Just a 2 page document that states who you are, what you do, how you will do it and by when. That way you can monitor your progress and keep track of where you are at.
You then apply that plan to the best possible system or business platform in the niche or area you decide to work in. That could be affiliate programs in martial arts or parenting for example using blogs and videos to direct traffic to your offers where you'll make a commission per sale. The sale could be from your own product, an affiliate program like Amazon or ClickBank. It could be digital or a hard physical product shipped in the mail. The possibilities are truly endless when it comes to how you can make money from blogging.
Julian Thornton is an experienced online blogger. Discover the secrets of how to make money from blogs and building a profitable online business. Watch the short video at http://www.bestmoneymakingblog.com to learn more.
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