HELP FOR HOARDERS
Are you or someone you know struggling to overcome compulsive hoarding? The cable television network A&E is looking for people whose lives are in crisis because they are compulsive hoarders.
The crisis can take any form. For example:
• They are about to lose their homes
• Their spouse is threatening to leave
• They have health issues caused by the chaos
• They have to find tax papers so the IRS doesn't audit them
• Their kids are threatening to cut them off
• Or any other major issue that can only be resolved by cleaning out their home immediately!
We are casting for a groundbreaking new documentary television series that will provide a team of professionals that can help get those in need started toward cleaning their home, no matter how big or how full. A therapist or professional organizer will also be on hand to help our guest through this difficult process. Whether the guest is ready and able to clean out their entire home in this short period of time, with the assistance and guidance of a professional they will
learn valuable skills which will allow them to complete the task at their own pace and keep them from repeating the hoarding behavior in the future.
We are looking for people (as well as their friends and family if possible) willing to spend 3-5 days sharing their stories in the hopes of helping others and getting the help they need!
There is no cost to the guest. All clean up services are paid for in exchange for participating in the show.
Hoarding is a very serious problem affecting millions of Americans and their friends and families. But little is known about this disorder, and too often hoarders are misunderstood and can't find the help they need.
Our hope is that this groundbreaking new documentary television series helps the general public better understand compulsive hoarding while helping compulsive hoarders resolve a crisis.
If you or someone you know is a compulsive hoarder please contact us immediately at: hoarders@sfpseattle.com
Wednesday, November 12, 2008
A&E Offers Help for Hoarders
Thursday, July 10, 2008
MAREI Officially Launches Real Estate Investor Tele-Seminar Series
News Release from Kim Tucker
Mid-America Association of Real Estate Investors
It's Official! Kim Tucker and MAREI have officially paved the way to start offering value based TeleSeminars as a no-charge educational and informational service to members and friends of MAREI.
These monthly, 60-90 minute calls will feature insight from well respected speakers, trainers and mentors who are well versed in the needs of investors and most often are very experienced, seasoned investors themselves.
In an effort to ascertain the investing topics members would most like to see featured in the TeleSeminar series, an online survey of is being conduced now at the new MAREI TeleSeminar Members' Site:
www.KCRealEstateCalls.com
The results will be tabulated an incorporated into the decision making process of which speakers and what topics will be offered.
This TeleSeminar series will be an excellent way for MAREI to offer members and friends of MAREI No Cost, No Travel education from the convenience of home or anywhere there's a cell connection.
MAREI TeleSeminar Series announcements will begin to appear in the coming weeks on home page, emails, General Meeting announcements and in other publications.
Take a minute to give your feed back on topics, speakers and more.
www.KCRealEstateCalls.com
Questions:
Kim Tucker
info@MAREInet.com
www.MAREInet.com
816-523-4400 x 222
Mid-America Association of Real Estate Investors
It's Official! Kim Tucker and MAREI have officially paved the way to start offering value based TeleSeminars as a no-charge educational and informational service to members and friends of MAREI.
These monthly, 60-90 minute calls will feature insight from well respected speakers, trainers and mentors who are well versed in the needs of investors and most often are very experienced, seasoned investors themselves.
In an effort to ascertain the investing topics members would most like to see featured in the TeleSeminar series, an online survey of is being conduced now at the new MAREI TeleSeminar Members' Site:
www.KCRealEstateCalls.com
The results will be tabulated an incorporated into the decision making process of which speakers and what topics will be offered.
This TeleSeminar series will be an excellent way for MAREI to offer members and friends of MAREI No Cost, No Travel education from the convenience of home or anywhere there's a cell connection.
MAREI TeleSeminar Series announcements will begin to appear in the coming weeks on home page, emails, General Meeting announcements and in other publications.
Take a minute to give your feed back on topics, speakers and more.
www.KCRealEstateCalls.com
Questions:
Kim Tucker
info@MAREInet.com
www.MAREInet.com
816-523-4400 x 222
Monday, May 5, 2008
Creative Finacing - Note Buying & Selling
Do you own property, create lease-options or have monthly income you’d rather have a lump sum of cash for?
If you own property you wish to sell in this tough market, you probably already know that bank financing can be hard to find for any buyer even those with good credit to obtain. One solution is for the property owner to get creative and offer seller financing to potential buyers in order to sell their house or land more quickly (and at a higher price).
While applying seller financing techniques isn't more difficult than traditional real estate sales, it is important to recognize that the buyers looking for seller financing represent a different target market than typical bank-financed customers.
Once seller financing or the ‘note’ is created, the process for obtaining a lump sum cash payment varies from the conventional real estate closing technique as well.
Now you have monthly income which you may- one day or immediately-prefer to have a lump sum of cash for
Perhaps an immediate need arises for more cash than is available from the scheduled principal and interest payments you are receiving. In order to quickly obtain a large proportion of the money due from the loan you’ve just created, you could sell the monthly note payments to a buyer for a lump sum of cash. By locating someone willing to buy the note payments, you will have ready cash for any pressing financial need.
This is where I, your friendly note finder, come in. In the secondary finance industry, a unique group of individuals exists who specialize in locating note buyers. These cash flow specialists - often known simply as "finders" - have a unique understanding of what most buyers are looking for. These finders are happy to work with agents and their clients. Many of them utilize online marketing and have Internet websites to facilitate the buyer location process.
The best of the bunch also look in the newspaper for property sellers offering financing, so sometimes a good finder will contact the seller if their property is advertised as FSBO. Finders specialize in helping property sellers locate buyers for secured notes.
Once in contact with a finder, the seller should explain the details of the situation. While note finders won’t be able to offer any legal advice or assist with the creation of a note, they are qualified to give general recommendations about what types of terms are attractive to note purchasers. Most importantly, note finders will be able to help locate a buyer for a newly- created cash flow.
Remember, these finders are not note brokers, meaning they will not "show" the seller's note to buyers or act as a representative. They will only pass the information along to someone who would be interested. Once a commitment to purchase the cash flow has been established, the buyer will step in and complete the deal.
When working with a property seller who needs a lump sum of cash immediately after selling their real estate, contacting a finder early in the process of creating a real estate note makes sense. By involving a qualified note finder BEFORE a note is created, the property seller can receive invaluable input about the payment characteristics that note buyers prefer.
Fulfilling a Seller's Need for Cash
In order to streamline the seller finance sale situation, it is advisable to have potential buyers for the newly-created cash flow ready. A note finder can start looking for buyers before the note is created, or even before a seller-financed buyer is "lined up". This way, you could have a buyer for the payment stream ready to make the purchase as soon as the new private mortgage is created.
Locating the Right Note Buyer
On your own, you might wonder, what is the best method to find these note buyers? In stark contrast to locating seller-finance buyers for the real estate itself, a classified ad in the paper is not the best option. Most people looking to purchase a stream of monthly payments do not look in the newspaper for potential cash flows to add to their portfolios. An alternate marketing strategy is required for finding note buyers. This is the job of the note finder.
In recent years, the Internet has become the best place to find cash flow purchasers. Using keywords such as "buy monthly payments" or "buy mortgage payments" at a popular search engine website should lead to many interested buyers.
Sometimes there are so many potential buyers, it can be difficult to figure out where to start. Also, cash flow buyers tend to have distinctly different financial parameters; an opportunity that meets the needs of one person perfectly may not be attractive at all to another. Here again, it is often best to work with someone who could give you a general idea about how notes should be structured- your friendly neighborhood note finder.
Without this knowledge, the property could sell quickly with the creation of a new note, but you might end up collecting the payments long-term instead of being able to quickly "trade" the future payments for an upfront cash settlement. If you will need a large amount of cash quickly, it makes sense to plan ahead for a buyer to purchase the cash flow and involve the services of a note finder.
Another creative solution to selling a home or commercial property is to create a lease-option
But again, when your need for cash arises, you may want to assist your tenant by creating a note so they can purchase the property and then you can sell this newly-created note immediately at a simultaneous closing to obtain cash. Everyone wins. With this situation, a note finder can assist in the same way as explained previously by adding input as to what note buyers prefer so as to avoid delays in obtaining your cash.
I would look forward to talking with anyone interested in any of these topics. I am always glad to try to help-please contact me. There are articles similar to this on my website, I can send you informative newsletters regularly (a $29.95 value
Friday, April 11, 2008
HUD's Notice Re "Reasonable Accommodation" and Increasing Housing Voucher Payments for Persons with Disabilities
Information Bulletin #243 (4/08)
HUD recently issued a new Notice (PIH 2008-13) entitled "Requests for Exception Payment Standards for Persons with Disability as a Reasonable Accommodation."
As many of you know, persons with disabilities who require mobility accessible housing units and who have a Housing Choice Voucher (aka Section 8 tenant-based voucher) often have great difficulty locating a unit that meets their needs. When they do find such a unit in the private market that would accept a voucher as payment, the rent most often exceeds the payment standard of the voucher.
In previous Information Bulletins, we explained that the federal regulations authorize Housing Authorities (the local agencies that administer the voucher program), on their own, to increase the value of a voucher up to 110% of the Fair Market Rent (FMR) (established by HUD for each local area). To increase the voucher from 110% up to 120% of the FMR, the Housing Authority must request the HUD Field Office for permission and to increase the voucher above 120% the HA must request HUD's national headquarters for permission.
In the past, there have been several problems which we believe (and hope) that the recent HUD Notice will correct: (1) Housing Authorities unwillingness to increase the value of the voucher so a person with a disability could rent an accessible unit, and (2) when HA s were willing to increase the voucher's payments, the HUD process for requests above 120% of the FRM was so cumbersome that by the time national HUD acted, the rental units were gone.
HUD's Notice 2008-13 (Google it and read it in its entirety) addresses both of these problems in ways that disability advocates must be aware of.
First, HUD emphasized that increased payments for vouchers for persons with disability to use with accessible units were a "reasonable accommodation" under Section 504 of the Rehabilitation Act. By recognizing that increased payments were often necessary to achieve equal access and equal opportunity in using vouchers, and therefore were a civil rights issue, this should force Housing Authorities to increase the voucher payments.
If you have an accessible unit and if the HA refuses to increase the payment as a reasonable accommodation or if the HA refuses to request HUD for permission to pay over 110% or over 120% of the FMR, the HA has potentially violated the civil rights' protections for persons with disabilities in Section 504 and can be sued. It is no different than if the HA refused to put up grab bars or a ramp as a reasonable accommodation.
Second, the Notice provides a specific person in national HUD office and her fax number and email address for voucher payments exceeding 120% of the FMR. We hope this will significantly expedite the process so persons, who finally find an accessible unit, do not lose it because HUD has taken too long to respond.
The Notice provides an example of the calculation process which should be followed and lists the types of documentation that should be provided.
These changes are potentially very important and should facilitate the equal opportunity for persons with disabilities to use vouchers in accessible units.
Steve Gold, The Disability Odyssey continues
Back issues of other Information Bulletins are available online at http://www.stevegoldada.com with a searchable Archive at this site divided into different subjects.
HUD recently issued a new Notice (PIH 2008-13) entitled "Requests for Exception Payment Standards for Persons with Disability as a Reasonable Accommodation."
As many of you know, persons with disabilities who require mobility accessible housing units and who have a Housing Choice Voucher (aka Section 8 tenant-based voucher) often have great difficulty locating a unit that meets their needs. When they do find such a unit in the private market that would accept a voucher as payment, the rent most often exceeds the payment standard of the voucher.
In previous Information Bulletins, we explained that the federal regulations authorize Housing Authorities (the local agencies that administer the voucher program), on their own, to increase the value of a voucher up to 110% of the Fair Market Rent (FMR) (established by HUD for each local area). To increase the voucher from 110% up to 120% of the FMR, the Housing Authority must request the HUD Field Office for permission and to increase the voucher above 120% the HA must request HUD's national headquarters for permission.
In the past, there have been several problems which we believe (and hope) that the recent HUD Notice will correct: (1) Housing Authorities unwillingness to increase the value of the voucher so a person with a disability could rent an accessible unit, and (2) when HA s were willing to increase the voucher's payments, the HUD process for requests above 120% of the FRM was so cumbersome that by the time national HUD acted, the rental units were gone.
HUD's Notice 2008-13 (Google it and read it in its entirety) addresses both of these problems in ways that disability advocates must be aware of.
First, HUD emphasized that increased payments for vouchers for persons with disability to use with accessible units were a "reasonable accommodation" under Section 504 of the Rehabilitation Act. By recognizing that increased payments were often necessary to achieve equal access and equal opportunity in using vouchers, and therefore were a civil rights issue, this should force Housing Authorities to increase the voucher payments.
If you have an accessible unit and if the HA refuses to increase the payment as a reasonable accommodation or if the HA refuses to request HUD for permission to pay over 110% or over 120% of the FMR, the HA has potentially violated the civil rights' protections for persons with disabilities in Section 504 and can be sued. It is no different than if the HA refused to put up grab bars or a ramp as a reasonable accommodation.
Second, the Notice provides a specific person in national HUD office and her fax number and email address for voucher payments exceeding 120% of the FMR. We hope this will significantly expedite the process so persons, who finally find an accessible unit, do not lose it because HUD has taken too long to respond.
The Notice provides an example of the calculation process which should be followed and lists the types of documentation that should be provided.
These changes are potentially very important and should facilitate the equal opportunity for persons with disabilities to use vouchers in accessible units.
Steve Gold, The Disability Odyssey continues
Back issues of other Information Bulletins are available online at http://www.stevegoldada.com with a searchable Archive at this site divided into different subjects.
Sunday, February 10, 2008
Building Wealth During Uncertain Times Workshop
Don't miss this fabulous opportunity to spend an entire day with John Schaub.
Saturday 3-22-2008 - South San Francisco Conference Center (near SFO Airport)
Dateline Sonoma, CA 2-5-2008
Hello Friends,
You know, at our BAWB meetings from time to time we talk about the financial markets or the state of our economy.
I think I'd really be remiss if I didn't revisit with you some of this information again.
First, let's talk about some of the problems we're facing. Then I'll suggest a possible solution / opportunity Here's the problem:
These were some recent headlines on CNN.com:
"Recession Fears Slam Stocks"
"Feds Make Emergency Rate Cut"
As recession fears were slamming the stock market,
the Federal Reserve held an "emergency meeting," the first "emergency meeting" since 9/11.
Citing a "weakening economy," the Feds made the biggest interest rate cut in over 23 years (3/4 of a point), slashing the key Fed Funds Rate to 3.5% and the Discount Rate to 4%.
Additionally, our Cost of Living is soaring:
Last week the US Dept of Labor announced that inflation jumped higher in 2007 than in 17 years.
In November, the US Dept of Labor announced the biggest jump in producer prices in 34 years. Wholesale prices also posted their biggest gain in 22 years.
The prices we pay on imported goods jumped by 10.9% last year – the fastest rise in 25 years.
What this means is that you'll need MORE money this year just to stay even and a LOT more to keep improving your lifestyle.
And the Unemployment Rate is picking up speed:
We now have 7.7 Million unemployed people in this beautiful country of ours...almost One-Million more unemployed than last year!
And What about the Real Estate Market:
We have skyrocketing foreclosure rates throughout the country, a VERY tight credit market, huge unsold inventories of properties and the continuing sub-prime mortgage meltdown.
What does all this mean?
Now, if you're listening to the financial pundits, you'll be frozen in your tracks, like a deer facing headlights.
But it doesn't have to be you.
As the great Napoleon Hill says:
"ALL problems Create Opportunities." - isn't that TRUE
Rising foreclosures, increasing REO's,tight credit, and the sub-prime mortgage crisis are creating huge opportunities for those who know how to take advantage of today's real estate gold mine. If I were a weatherman - I might forecast this as "the perfect storm"
Finally! THIS is the opportunity of a lifetime we've been waiting for. Real-life experience gives us that insight that the timing is right.
I'd like to share with you the ability to have that professional "edge" at this FANTASTIC upcoming workshop you simply do not want to miss;
John Schaub's
"Building Wealth During Uncertain Times"
The entire day will be devoted to addressing this specific question:
"How Can I Make Money in "Today's" Real Estate Market?"
The truth is simple.
When foreclosure rates go up, money becomes tight, opportunities for more lucrative real estate deals go up exponentially....IF you know what to do and how to do it correctly.
So, take a few minutes right now and check out the in-depth details for this upcoming FULL DAY event here by going to this link:
http://www.bawb.info/documents/JohnSchaub.pdf
The cost is insanely low and I promise you it will be filled with "meaty" content not fluff and with strategies you can use right away.
I truly hope you will make the decision to be there!
Sincerely,
Michael Morrongiello
Program Director
BAWB, LLC
www.BAWB.info
The Bay Area Wealth Builders Association
# 707-996-6411
PS. Don't Delay – SEATING is VERY LIMITED - This event is being marketed Nationally and to assure yourself a seat we encourage your Pre-Registration. Do it today!
Saturday 3-22-2008 - South San Francisco Conference Center (near SFO Airport)
Dateline Sonoma, CA 2-5-2008
Hello Friends,
You know, at our BAWB meetings from time to time we talk about the financial markets or the state of our economy.
I think I'd really be remiss if I didn't revisit with you some of this information again.
First, let's talk about some of the problems we're facing. Then I'll suggest a possible solution / opportunity Here's the problem:
These were some recent headlines on CNN.com:
"Recession Fears Slam Stocks"
"Feds Make Emergency Rate Cut"
As recession fears were slamming the stock market,
the Federal Reserve held an "emergency meeting," the first "emergency meeting" since 9/11.
Citing a "weakening economy," the Feds made the biggest interest rate cut in over 23 years (3/4 of a point), slashing the key Fed Funds Rate to 3.5% and the Discount Rate to 4%.
Additionally, our Cost of Living is soaring:
Last week the US Dept of Labor announced that inflation jumped higher in 2007 than in 17 years.
In November, the US Dept of Labor announced the biggest jump in producer prices in 34 years. Wholesale prices also posted their biggest gain in 22 years.
The prices we pay on imported goods jumped by 10.9% last year – the fastest rise in 25 years.
What this means is that you'll need MORE money this year just to stay even and a LOT more to keep improving your lifestyle.
And the Unemployment Rate is picking up speed:
We now have 7.7 Million unemployed people in this beautiful country of ours...almost One-Million more unemployed than last year!
And What about the Real Estate Market:
We have skyrocketing foreclosure rates throughout the country, a VERY tight credit market, huge unsold inventories of properties and the continuing sub-prime mortgage meltdown.
What does all this mean?
Now, if you're listening to the financial pundits, you'll be frozen in your tracks, like a deer facing headlights.
But it doesn't have to be you.
As the great Napoleon Hill says:
"ALL problems Create Opportunities." - isn't that TRUE
Rising foreclosures, increasing REO's,tight credit, and the sub-prime mortgage crisis are creating huge opportunities for those who know how to take advantage of today's real estate gold mine. If I were a weatherman - I might forecast this as "the perfect storm"
Finally! THIS is the opportunity of a lifetime we've been waiting for. Real-life experience gives us that insight that the timing is right.
I'd like to share with you the ability to have that professional "edge" at this FANTASTIC upcoming workshop you simply do not want to miss;
John Schaub's
"Building Wealth During Uncertain Times"
The entire day will be devoted to addressing this specific question:
"How Can I Make Money in "Today's" Real Estate Market?"
The truth is simple.
When foreclosure rates go up, money becomes tight, opportunities for more lucrative real estate deals go up exponentially....IF you know what to do and how to do it correctly.
So, take a few minutes right now and check out the in-depth details for this upcoming FULL DAY event here by going to this link:
http://www.bawb.info/documents/JohnSchaub.pdf
The cost is insanely low and I promise you it will be filled with "meaty" content not fluff and with strategies you can use right away.
I truly hope you will make the decision to be there!
Sincerely,
Michael Morrongiello
Program Director
BAWB, LLC
www.BAWB.info
The Bay Area Wealth Builders Association
# 707-996-6411
PS. Don't Delay – SEATING is VERY LIMITED - This event is being marketed Nationally and to assure yourself a seat we encourage your Pre-Registration. Do it today!
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