A460 Car Charger Rapid Samsung Sph: Jul 8, 2007

Sunday, July 8, 2007

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How to Structure a "Subject-to" Offer

Ok, let's say you have located a seller who is highly motivated to sell a particular property.

Using your "Check List for Leads" form, you ask the seller focused, specific questions about the most essential criteria of the deal. After questions are answered, you see the following scenario.

3 Bedroom 2.5 Bath
After Repair Value $260,000
Purchase Price: $195,000
(6.5% int, 30 yr fixed - price is sellers payoff on existing loan)
Repairs Zero Seller had it fixed up already.
Existing Mortgage Payment: $1232.53 (existing payment P&I)
Taxes $2500
Insurance $900
PITI $1515.86 (your actual cost per month with Principal, Interest, Taxes and Insurance)

Keep property location in mind, when thinking of your exit strategy. If property is on astreet that is predominantly rental, it may not be wise to plan to retail the property to anowner occupant. When you have a deadline such as a balloon or a note that will haveto be paid off at some future point, like in 24 months, your exit strategy must be realistic.The seller is motivated and said that he would consider any offer that would get thesepayments off his back. He has a dead beat tenant in another property and can't make two payments.In this case, as with many "subject-to" offers, we are only offering the payoff, which is $195K.

The potential advantage of making an offer "subject-to" the existing mortgage is financial. You will not have to qualify for a new loan. You will save thousands in loan origination fees, points, etc. that you could have to pay in conjunction with a new loan. This improves your potential profit margin.

We decide we are willing to offer the seller his payoff, if he is willing to agree to sell,subject-to his existing loan. If the seller is truly motivated, the fact that you can close a "subject-to" very quickly can be a big selling point.

In our example, the seller agrees to the "subject-to" arrangement, but saysthat he wants this loan off his credit within 24 months. At that point, the buyer must cash the seller out by getting new financing or selling the property.

Some sellers will be smart enough to ask for "perks", like a cash down payment. Other sellers will be too motivated or won't think to ask for anything down. You have to go with the flow of each deal.

When we write a "subject-to" offer, we want to be as specific about our agreement and terms as possible.

The contract form that I use for writing offers has plenty of space on page one, near the blank where you enter the purchase price.

The form used is not important. To be binding, any offer to purchase real estate must be in writing. But there is no standard form. Contracts range from the generic variety that you can buy at the office supply store, to the official forms approved for use by sales agents in your state.

The form that licensed sales agents use, has a "stipulations" section. You can put the terms of your offer in the stipulations section of your contract, or on page one if space permits. It does not matter, as long as the correct terms are spelled out somewhere. The seller could decide to counter-offer, mark out your stipulations, change them, or add new ones.

Below are some clauses that I would write into this offer:

Purchase Price: $195,000 "Subject-to existing mortgage of $195,000, with payments of $1232.53 per month, principal and interest. Buyer agrees to pay off existing mortgage anytime in a period not to exceed 24 months from date of closing of this agreement."(these are the basic terms of our agreement)

"Buyer to purchase adequate insurance protection valued at or above the purchase price of property."

(you want to have insurance anyway, but I like to put this in to make the seller feel more comfortable)

You want to be clear about any and all terms of your agreement with seller. It may be very simple, as in the example above, or there could be other terms that you and the seller will negotiate and agree to.

When negotiating, you will not always be able to discuss terms with a seller prior to making an offer that is "subject-to" their existing mortgage. But, if the seller is not willing to discuss the situation and is not forthcoming with information, then chances are you are talking to the wrong seller. Those who are truly motivated, or have a problem they need to solve, will usually be willing to get into a meaningful discussion of the details. If a seller is difficult to deal with, chances are they are not that motivated.

I don't waste a lot of time in such cases. I explain to sellers that I need certain information in order to determine if there is a way that I can help them. Otherwise, I move on.

Your most likely source for creative deals are those who really need to achieve a specific, sometimes urgent objective, like getting out of debt, or avoiding foreclosure. But there are many reasons for doing a creative deal.

There is nothing really complicated about writing "subject-to" offers. You just need to be clear. It is essential that the language is not confusing. Your objective in writing the offer is to dictate the terms of the existing mortgage. In so doing, you are stating how much you are willing to pay, and how you intend to pay it, and when. Think of the "who", "what", "when", "where", guide to writing, when documenting the offer.

I have also done "subject-to" deals with sellers who were not in financial trouble, but just the opposite. There are sellers who will consider "subject-to" offers because of the tax benefits for them. I have had sellers who did not want to collect a large chunk of cash all at once. Or, a seller who does not want to collect the funds in a particular tax year. "Subject-to" offers can be used to address many different kinds of issues.

We tend to associate creative financing with desperation. And in many cases, sellers are desperate. But in some cases, a "subject-to" deal is merely the most beneficial means to an end for both parties.

Every situation and offer are different.Writing creative offers is a skill that you will develop with time and experience.***

NOTE: This article is intended only for general information purposes, and should not be construed as legal advice.If you need help filling out a real contract, please see your favorite real estate attorney first!

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Sin City Super Bowl

What's missing from Las Vegas newspapers, TV and radio this week?

The answer is easy for Sin City denizens: casino Super Bowl party ads.

That's because there aren't any big bashes planned, at least the kind where you pay a C-note, watch the game on widescreens, stuff yourself with all-you-can-eat "stadium fare" and get intoxicated with friends at open bars ... a big part of the Vegas mystique.

The Goliath NFL wiped them out last year, holding potential lawsuits over resorts that didn't kowtow to demands they cease and desist from airing the game at events people pay to get in.

The league cited broadcasting rights.

Oh, the gleaming alabaster palaces still will roll out red carpets for the rich, famous and media types, cook up fancy food (medallions of veal anyone?) and throw open the liquor cabinet, top shelf and all, but casinos don't like to discuss these "private" affairs.

Someone might be left out, inadvertently or otherwise.

Besides, letting the public know how the other half lives isn't real Strip smart.

Many resorts will show the big Pittsburgh-Seattle game throughout their casinos, offering food and drink specials.

Vegans and tourists also have the option of watching Super Bowl XL in sports books throughout Nevada; just come early, stake your claim (some bet shops feature more comfortable chairs than others), make your wagers and start searching for those specials.

Harrah's will give patrons Super Bowl t-shirts with $50 parlay wagers and showing the game at its Piano, Carnaval, Winning Streaks and other bars, while Fiesta Rancho will give away a 2006 Dodge Ram during festivities.

Many former NFL stars will spend Super Bowl weekend in Sin City, but most will maintain low profiles to escape media glare.

They'll limit public appearances to things like "tributes" and charity auctions, then mix and mingle "privately."

John Elway, for one, should thank the Steelers for creaming Denver in the AFC title game, as he already was committed here. So's Dan Marino, who never really had a reason to believe he'd be anywhere else on Super Bowl Sunday.

Philadelphia bad boy Terrell Owens will paint the town red, starting at 10 p.m. Friday at Caesars Palace's upscale PURE Nightclub; a deejay will focus on rock and rap music.

Like all free Americans, Vegans also can watch Matt Hasselback and Ben Roethlesberger duel in the friendly confines of their favorite pub, or tavern; they're on many neighborhood corners, like anywhere else.

The Steelers have several fan bars in Vegas while the Seahawks have one.

Bob Taylor's Ranch House and Supper Club in the far northwest valley has catered to Las Vegans since 1955.

The current owner hails from Pittsburgh and has turned the classy steak house saloon into a Steelers bastion.

"We'll have food specials, beer specials, shots and everyone will be dressed in yellow and black," a restaurant spokeswoman said.

"Everything we cook is mesquite grilled, you know.

"We're having a big Super Bowl party."

So is Rascals, another Steelers stronghold on Vegas' East Side.

"We have a free Super Bowl buffet -- actually, it's pretty nice and I'd be here myself (even) if I didn't have to work -- for anyone who buys a $25 square on our board," said a lady who answered the phone.

"But we only have two squares left, so we'll think up another gimmick by Friday so those who didn't get down on this one get another chance for free buffets.

"We'll have free well drinks too and 50-cent drink tickets that let you uprade on brands.

"And there's no cover charge."

Seahawks fans also have a haven, at Smoke Ranch Junction on the city's West Side.

"Sure, we're having a big Super Bowl party," said a voice at the other end.

"We'll have a free buffet and drink specials."

Bars rely on regulars for most Super Sunday business, but emphasize their shindigs are open to the public, which, in fact, they ardently pursue.

Those seeking something truly spectacular might give the Red Rooster a whirl; it's a swinging joint.

The Seattle-Pittsburgh match-up will be shown on big-screen TVs and a buffet will be served.

BYOB.

Cost is $40 for couples and single men; single women are free. No tickets will be sold in advance.

A dress code will be in effect: Men, boxers only; women, just panties.

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Wrapping Up Week 13 Who To Keep And Who To Let Go

As we are beginning week 14, let us go over some of the teams that I think might not make the 2006 playoffs and should be thinking of getting rid of the elements that got them the bottom spots before the 2006 NFL Draft.Miami Dolphins: Ricky Williams is did not help out this season, to me it looks like his career is over, this sends a clear message to management of who they should be letting go and find a good replacement. Baltimore Ravens: The team is a disaster. Quarterback Kyle Boller, should be the first one to be walking.

Houston Texans: This is the worst franchise in the NFL's history and they have to draft someone like Reggie Bush so that they can rebuild their offensive line.

On the positive end the Indianapolis Colts will be 12-0. Are they becoming the first NFL team to finish a regular season 16-0? That is another matter overall I will not get into. I cant seem to think of many reasons why that cant happen. I do believe that Indianapolis is the best team on the NFL and if forced to wager my estate house and plantation on who will take the trophy home I would not hesitate to say the Colts.

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Brazilian Men's National Soccer Team Takes on a New Complexion

Brazilian dominance in soccer takes a new complexion. There used to be a time when the Brazilian men's national soccer team were of average size and build. They were small (shorter), fast and skillful. Diminutive in stature but this did not apply to their technical and tactical abilities.

The Brazilian men's national soccer team might appear to line up in some formal positional formation and set up. Once the game starts it is an all positions for everybody on the team. They seem to play a 1 (goalkeeper) -10 (field) as all the players are in constant motion and are able to play off of each other at any time. The team members do however have certain defensive responsibilities and are accountable for their respective areas.

They truely understand "the game" and are ready to be spontaneous as well as volatile.

The Brazilian team seems to make the opponents play catch up and defensively throughout most of the contest.

A goal scoring opportunity can come from any where and any one on the field and at any time.

The only thing that you can predict is that the goalkeeper will not leave the 18 yard box to act as a forward and score some goals.

Ronaldinho has just acquired his second FIFA international player of the year award in a row. Does he deserve it? Most definitely.
He is a pleasure to observe as he sets up most of his team mates to lead his current team FC Barcelona to the top of the Spanish "La Liga".

Now add the goalkeeper Dida who has been a major part of his team's successes, in the back and Adriano up front who has seemed to be totally unstoppable goal scoring machine on the forward line for the Italian "Serie A", Roberto Carlos on the left where he still has a command on the free kicks, and Ronaldo the task master who often and still shows flashes of brilliance in the mix and you have a fortress of power and abilities few can match.

I think the ball got rolling with the the introduction of Junior Biano as a defenseman in 1998. With the exception of France his presence was a dominant deterant for other teams.
The latest big man to join him is Lucio

Brazil found mass to be a compliment to all their other strengths. It would appear that they have continued to build from there. The average weight of their national team has increased without diminishing their agility and manouverability. Although not a necessity, muscle mass has been a factor in other team sports. This might be true in modern Futbol as speed has become an over-riding factor to the game in the last 15 years.Most of the elite players are also playing in the Italian and Spanish premier leagues and on similar if not the same teams. They are learning from each other by being rivals and combats as well as compatriots.

Here are the possible candidates for the next world cup roster for Brazil.

Goalkeepers:

DIDA,
JLIO CSAR

Defenders:

CAFU,
CICINHO,
EDMLSON,
GILBERTO Melo,
JUAN,
LCIO,
ROBERTO CARLOS da Silva,
Jos Vtor ROQUE JNIOR

Midfielders:

EMERSON Ferreira,
GILBERTO Silva,
JUNINHO Pernambucano,
KAKA',
RENATO,
Z ROBERTO,

Forwards:

ADRIANO,
Jlio BAPTISTA,
Ricardo OLIVEIRA,
ROBINHO,
RONALDO,
RONALDINHO Gacho,

Very impressive roster as was the one in 1998.

A team can only be as good as it is a team and is coached as a team.
A team can only be good if all the members play for the team and with the team.

It does NOT matter how many stars you have and how big the egos or the payroll is either.

Win as a team and lose as a team. Play as individuals and the team will lose. I say this not because outstanding players could change the outcome of games, but because other teams and players are more sophisticated and more knowledgable now than ever before. The opposition can read this and contain the key players rendering the rest of the team less potent.

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The World's Most Beloved Sport - The History of Soccer

While it is undisputed that the origins of modern soccer, or football, originated in Britain, there is a great deal of evidence that points to this beloved game as having an older history.

Where did the game of soccer really begin, and how old is it? To understand how many different varieties of "soccer" there are, you need to understand a bit about the older versions of the game and how they have evolved.

Below, you will find a list of the predominant cultures that had a variety of soccer, and learn how each one differs from what we play today. And no, they never used anything like Lotto shinguards back then either!

Chinese Soccer History
Japanese Soccer History
Egyptian Soccer History
Greek/Roman Soccer History
British Soccer History

Chinese Soccer History

To many, this is the oldest version of soccer to exist. However, there is quite a lot of controversy of whether or not this is the oldest, or Japan's version is the elder. The Chinese version of the game, originally named "Tsu Chu", involved players on a field that had to hit a leather ball stuffed with fur into a small hole. Like Soccer, no hands were permitted during the play of the game, and it was considered an honor to be a member of a team.

The Emperor of the Han Dynasty, when the game was developed, was an avid player and fan, and spread the popularity of this game all over China during his reign. This roughly dates back to 300 B.C., although there is controversy on the subject of dating, which could result in the origins of the game being as far back as 5000 B.C. Regardless, this version of Soccer is extremely old. Despite that, there is still a version of Tsu Chu played today. While the two games are similar, Tsu Chu has had no effect on the modern version of the game, as it was originally developed and created for play in Great Britain.

Japanese Soccer History

Kemari, the Japanese version of "Soccer", is perhaps one of the most different forms of the sport, in comparison to modern soccer. Kemari was a game of "Keep it up", much like modern hacky sacks, although used with a larger ball that was stuffed with saw dust. This version involves a "pitch", or the field, designated by the selection of four trees, the cherry, maple, pine and willow. Many great houses in Japan would grow trees to have a permanent pitch, or field, established.

Kemari was normally played with two to twelve players. Established in roughly 1004 B.C., it vies for position of the oldest game with China's Tsu Chu. In fact, China's Tsu Chu players and Japan's Kemari players were the first to have an "International" game of their versions of Soccer, which is dated to have occurred in roughly 50 B.C., although a definite date of 611 A.D. is known. Regardless, this game stands with China as a sister sport to Soccer, while it never affected the modern version of the game.

Egyptian Soccer History

While not much is known about Egyptian Soccer, or other ball games, it is thought there was a version of a type of ball game played by young women during the age of Baqet III. On his tomb, images of this sport were depicted, although no one is certain how the game was played or whether or not it truly affected the outcome of modern soccer. Recordings of this game date as far back as 2500 B.C., although not much more is known asides the fact that it was played with a ball. The lack of information on the sport and how it was played has eliminated it from runnings as the first evidence of a game similar to soccer.

Greek/Roman Soccer History

Perhaps the closest relative to modern soccer are the games that were formed by the Greeks during the prime of their culture. They had numerous varieties of football style games, some of which required hands, some of which forbade hands. In the end, after the Roman conquering of Greece, the game Harpastum is what modern soccer would be based from. This game, probably a modified version of the Greek's "Harpaston", which translates roughly to handball. While grossly misnamed, this game is what is considered to be one of the precursors to modern soccer.

British Soccer History

In Britain during the 8th century, soccer was created, not as a recreational sport, but as a war game. One of the stories of the original roots of the sport comes from when a Danish Prince was beheaded, and his head was used as a ball and was kicked around. Ever since this 'legendary' tale, villages and other communities would play a game where they would have to kick a ball to a specific goal. It was a violent game, where injury and death were not uncommon, but it was popular nevertheless. In fact, it was so violent, that in 1331, King Edward the III passed laws to try to stop the playing of the game. It did not work, however, and the sport continued on.

There are even stories of soccer games that involved hundreds upon hundreds of players. In these games, there were many deaths, some resulting in the hundreds. It wasn't until 1815 when Eton College set up a series of rules for the game that it became less violent and more of a true sport. At this time, other colleges and universities took up the banner and began to play under similar rules. Later, the rules were evaluated and judged, and the Cambridge rules were created as a result in 1848. In the Cambridge rules, shin-kicking, carrying the ball and tripping were all forbidden. Rugby rules allowed these aspects, and the two varieties of soccer, or football, split to form their own followings.

On October 26, 1863, London schools and sports club sent representatives to the Freemason's Tavern, where the Football Association was formed. Rugby supporters left this association to form the Rugby Association. This is where the birth of modern soccer began. In 1969, the Football Association finalized the modern game of soccer by forbidding the use of hands in the game.

The term "Soccer" was coined when someone was asked if he was a Rugger, which is a Rugby player. The -er signified that the person participated in a a particular sport. The individual, Charles Wreford Brown, replied with "Soccer!", taking the phrase from Association, SOC, and adding the -er. The term stuck. While British individuals still call the game Football, Americans and other countries call it Soccer, especially if they have heavy support in American Football present. Ever since the foundation of the Association, "Football" has risen in popularity, becoming one of the best love games in the history of Earth. Now, hundreds of thousands play the sport, although it lacks the initial violence present at its creation.

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Cooling Down Phase for Soccer Training - A Coach's Perspective and Focal Point

Cooling down,I term this the reflection phase. It is a time to prepare for physical and mental relaxation. This includes stretching and flexibility work as well as light group jogging and limbering down exercises.This is the time of mental reflection of the practice, game or even the day's events.This is especially neccesary while at and during tournaments

This important phase is usually over-looked by most teams as they are trying to either celebrate the win or discuss the loss and any related issues. If this aspect is incorporated every practice then it will be a natural process after the games as well. Yes the practices need to incorporate warm up as well as cool down. Apart from the physiology of increasing strength through stretching regimes. This helps the team members understand their bodies and it's needs.

It is also a great time for the coaches to get feed back on the events. This gets the team to contribute to their immediate experiences, whether is be a competition or practice. It helps everybody paint a mental picture of their collective accomplishments.

When a group of individuals gets together and focuses on something other than the immediate task at hand then the task becomes another routine within the training regime.This is switching the focus from the actual cooling down process and focuses on the socialization aspect of cooling down. It deals with the fresh experiences that have just occured. Let the team discuss the events first before the coach talks or the meeting is held in the locker room. Young minds need to also voice opinions to each other before they talk to the larger group. This helps build unity within and a power of responsibility throughout.

It is a time to also talk about the other aspects of sports activities. These are nutritional and additional aspects of concentrating on mental focus.

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FA Cup Third Round - Back Top 10 Championship Sides

There is value to be had backing the top 10 Championship teams who are drawn against teams lower than them in the league structure and you will obtain better odds than backing Premiership sides in similar circumstances.

During the 2003/04 season, Millwall were drawn at home three times and didnt meet another top 30 side until they faced Sunderland in the semi final. En-route to this match, they won three out of four games, beating Walsall @ 1.91 (h), Telford @ 1.60 (a) and Burnley @ 1.79 (h) before drawing at home to Tranmere in the quarter final, despite being odds on at 1.50. However, they made amends in the replay, winning at Prenton Park at odds of 2.32.

Backing Millwall to win each match before they faced Sunderland would have netted a profit of 26.20 for 10 level stakes, a 52% return on turnover.

Third Round
Millwall @ 1.91 vs Walsall. Result: 2-1
Forest vs WBA @ 2.30. Result: 1-0
Preston vs Reading @ 3.48. Result: 3-3
Sunderland @ 1.42 vs Hartlepool. Result: 1-0
Cardiff vs Sheff Utd @ 2.61. Result: 0-1
Ipswich @ 1.56 vs Derby. Result: 3-0

Third Round Replay
Reading @ 2.21 vs Preston. Result: 1-2

Fourth Round
Forest vs Sheff Utd @ 2.40. Result: 0-3
Telford vs Millwall @ 1.61. Result: 0-2

Fifth Round
Millwall @ 1.79 vs Burnley. Result: 1-0

Quarter Final
Millwall @ 1.56 vs Tranmere. Result: 0-0

Quarter Final Replay
Tranmere vs Millwall @ 2.32. Result: 1-2

Using this strategy to back all top 10 Championship sides against lower opposition produced a profit of 36.20 on level stakes of 10 across 12 matches.

There are five third round matches that qualify for this strategy, three of which sees top 10 sides face Championship opposition.

Sheff Utd @ 1.44 vs Colchester
Stoke @ 1.30 vs Tamworth
Wolves @ 1.72 vs Plymouth
Derby vs Burnley @ 3.00
Preston @ 1.57 vs Crewe

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Sunday, July 8, 2007

[ZoneTransfer]

How to Structure a "Subject-to" Offer

Sin City Super Bowl

[ZoneTransfer]

[ZoneTransfer]

Wrapping Up Week 13 Who To Keep And Who To Let Go

[ZoneTransfer]

Brazilian Men's National Soccer Team Takes on a New Complexion

[ZoneTransfer]

The World's Most Beloved Sport - The History of Soccer

Cooling Down Phase for Soccer Training - A Coach's Perspective and Focal Point

[ZoneTransfer]

[ZoneTransfer]

[ZoneTransfer]

[ZoneTransfer]

[ZoneTransfer]

[ZoneTransfer]

FA Cup Third Round - Back Top 10 Championship Sides

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