Also known as seller financing, owner financing is growing in popularity in today’s economy. With the credit markets slowing down and people finding it harder and harder to borrow, owner financing is looking better and better as an alternative to traditional financing. Owner financing is when the seller of the property basically agrees to take payments rather than a lump sum. Here are a few things that need to happen in order for the owner to be able to finance your deal:1. The owner needs to have considerable equity in the property. The owner will usually have their own mortgage they will need to pay back in full when they sell the property to you. If they don’t have a whole lot of equity, they usually can’t offer to finance a whole lot of the deal. The best scenario is an older owner that is close to retirement. Odds are that they have a good amount of equity or even own the property free and clear. They are looking to retire and just want a steady cash flow rather than a lump sum when they sell the place.2. The owner should have a desire to accept owner financing. If the seller wants to roll the funds over into another property or needs the lump sum of cash for one reason or another, they probably won’t want to take on very much seller financing.3. The terms need to be right for both parties. The interest rate, duration and repayment structure need to be acceptable for both parties. This usually requires a good deal of negotiation.If you have all your ducks in a row and seller financing seems like it might be a possibility, here are some of the benefits to consider if you are thinking about locking in owner financing:1. You might not have to get traditional financing. This depends on how much the owner is willing to finance. If they are willing to finance just a little bit, this might help you lower your down payment or help you qualify for traditional financing, but won’t completely eliminate traditional financing unless you pay the remaining amount due as a down payment.2. You could get more flexible terms than you would on a standard mortgage. You have the power of negotiating so that both the buyer and the seller walk away with a fair deal. You typically can’t do this with a traditional bank.3. The seller is still somewhat on the hook for the property. You know that you aren’t getting totally ripped off, because the seller still hasn’t received all their money. There is a possibility that you could pay a little bit of a premium for the deal. If they end up totally screwing you, and the property completely falls apart in a few years and you let it fall into foreclosure, the seller only stands to get the property back. The seller isn’t going to want to lend to you using a bum property as collateral.If owner financing seems like it would work for you, there is no reason to start looking for properties for sale with owner financing. Even if a property isn’t advertised as offering owner financing, you may be able to talk with any seller and see if they are willing to negotiate on terms.
A Guide to Help You Pick the Best Air Purifier for Your Loved Ones
Holidays are around the corner. This is the time of year when people start purchasing gifts for their loved ones. If you are going to purchase an air purifier for someone you love, we have some helpful tips for you. If you want to purchase the best unit, you may be able to use this guide to your advantage. Read on to find out more.
1: Set Your Budget
Just like anything you purchase, make sure you have set your budget first. The price of the unit will vary based on a lot of factors, such as the capacity, filter type, features, and brand of the unit. If you don’t have a flexible budget, we suggest that you go for a product that is available to purchase for less than $300.
2: Consider the Needs of the Recipient
Your next move is to consider the needs of your recipient. If you are going to purchase this unit for everyday use, we suggest that you go for a unit that comes with a HEPA filter. On the other hand, if your loved one has a specific need, we suggest that you consider a specialized unit.
For example, if they are more prone to respiratory issues, such as allergies and infections, we suggest that you get a UV purifier for them. The devices are designed to neutralize viruses and bacteria.
3: Think About the Available Space
Another primary factor is to consider the available space in the office or house of the recipient. For example, if they need a general-purpose unit for a small apartment, you may want to consider a filterless unit.
On the other hand, if they have plenty of free space, you may consider a bigger unit that features a higher airflow rating. These units are powerful enough to cover a large face.
4: Consider Extra Features
Lastly, we suggest that you consider additional features that they will just love. For example, some units come with an indicator that turns on when the filter needs to be replaced. This will allow the user to change the filter so that the device continues to work properly.
So, you may want to consider these features before you place your order. These features may not be important to you, but your friend may just be over the moon.
Long story short, we suggest that you consider these four tips if you are going to purchase a gift for your loved one on these holidays. Since the air is full of pollution during winter days, nothing can make a better gift than an air purifier. Therefore, you should consider these tips before looking for an online or physical store to make your purchase decision.
Rule the Digi World – 6 Simple Ways to Learn Digital Marketing on Own
Digital Marketing is a certainly vast concept like academics. Just like any other subject of school, digital marketing covers different aspects that are to be learnt one by one, back after each other. Certainly, when I say that digital marketing is vast to learn just like academics, you may assume that you need to walk down to a school or an institute to become a Master at Digital Marketing. Well, you need not to.
Despite the fact that digital marketing has varied areas to be covered in learning, thanks to the internet that has made it so easy that one can master this art of e-business marketing even by sitting at home. Dedication, focus and a small kernel of confidence that you can do it by yourself are the key elements to learn digital marketing on your own. To make it easier for you, we are listing out the six best possible ways you can learn digital marketing by self, without a need to enroll in marketing schools or institutes.
Hubspot Academy:
On the web, Hubspot is the right place to look out for anything and everything related to marketing and sales. Hubspot helps one learn about the key components of marketing like Search Engine Optimization (SEO), Social Media Marketing, Content Marketing, Paid Search, Email Marketing, Digital Display Marketing, Web Analytics and Reporting and Mobile Marketing. Plus, the advantage in learning digital marketing from the Hubspot Academy (online) is that the knowledge you gain is accepted and recognized at a global level. The academy has in store a treasure of sources like certification courses, documents, video tutorials etc. for you to easily learn from.
While Hubspot makes today’s best source for online tutorials and certification courses, Alison’s Free Diploma in E-Business course is nowhere behind to impart similar knowledge to marketing aspirants worldwide. This course helps you learn about how to grow a business online, all about Ad sense and AdWords and the best ways to increase a website’s local reach. Similarly if you’re determined to learn just everything about social media marketing, Social Media QuickStarter is a right place for you as a beginner. Here, in every session, you get to learn all tactics of marketing related to LinkedIn, Google+, YouTube, Instagram, Pinterest, Twitter, and Facebook.
E-books on Digital Marketing:
If you think that the online course programs take up a lot of your time and you want to master the art of digital marketing at the blink of an eye, then you may indeed need a source that gives you quick learning. E-books on marketing can do that exactly for you. From the very renowned marketing experts and authors, there are books for sale on the internet written specifically for reading lovers like you. Moreover, a recent survey report by Amazon concluded that E-books have become a popular purchase today among youngsters to enhance their skills and gain fresh knowledge.
The advantage is through these books you get to learn marketing faster, without investing high. Another plus point is, you necessarily need not be connected to the internet always to learn marketing course through these e-books. While some books are available for purchase at a reasonable price, there are also e-books that are available on the web absolutely for free! All you need to do is download them, store in your PC and start off with your self-digital-marketing-learning.
According to a survey of marketers, the below books have been marked best for people looking out for learning digital marketing by self:
· Data Driven Content Marketing by Uberflip
· The Beginners Guide to SEO by Moz
· Conversions, Not Campaigns by Marketo
· Google Semantic Search by David Amerland
· Social Media Data Cookbook by Hootsuite
YouTube Channels
If you believe that you definitely need a teacher, someone who could orally explain you all, but don’t want to visit a school to do so, subscribe to a YouTube Channels that imparts marketing insights. Many marketers from across the globe start their channels on YouTube with an aim to give free classes to candidates interested in learning digital marketing by self. For instance, Social Triggers by Derek Halpern has many videos on all areas on marketing. He shares everything that can help a beginner gradually become a master in marketing. Likewise, another prominent channel is by Gary Vaynerchuck, name GaryVee not just talks about marketing but does it in a way that it motives listeners and keeps them engaged throughout the course.
Webinar Sessions
What about having a classroom atmosphere while learning at home? Yes, that is what exactly a webinar does. Many marketing experts from various nations take invest some of their precious time to conduct webinars and make the home-learning a class room experience. All you need to do is enroll for the webinar, book your seat and be there to learn through sessions along with many like you. While you are listening to the class, through the online platform you will be allowed to ask in your questions too. Among today’s popular marketing experts that conduct resourceful webinars, Anik Singal is a favorite of many.
Blogs, Case studies & Documents
If reading keeps you focused and motivated and you believe that reading marketing guides, documents case studies, articles, blogs is your choice- then that’s an equally great option. For you we have listed out few best blogs of 2018 that you could bookmark and read every day.
· Marketing Land: Digital Marketing News & Views
· The Moz Blog: Search Engine Marketing
· Kissmetrics: Digital Marketing Stats & Studies
· Econsultancy: Innovative and Latest Digital Marketing
· Content Marketing Institute: Content Marketing
Groups and Forums
For an informal and joyful way of learning your digital marketing, group and forums make an ideal place. Here, you get to meet people, share knowledge, experiences- which eventually adds to a practical experience. Plus, once you are done with learning you can also seek for work opportunities and kickstart your career into digital marketing. Digital Point, Traffic Planet, SEO Chat Forum etc. are a today’s few forums which are trending among marketing and SEO addicts.
Wrapping up
While we have jotted the best and handy 6 ways to learn online marketing, there are many more sources available on the web. If you are keen to learn digital marketing at the advanced level, it is best suggested that you take an expert advice to help yourself choose the right source online.