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Finding products and services to market online is easier than you may think.

You may be asking yourself how do you start a work at home business and make money on the internet. You have nothing to sell and you do not know anything about computers or the internet, or you might think you do not have anything to write about. Well, if you found this site, then you have some of what it takes to start your own work at home business. One of the greatest things about making money online is you do not need your own product to sell, or a vast knowledge of any particular subject. The internet provides all that for you! Everything you need is available to you if you can learn how to find it and use it to your advantage.

The details of going about it are a little more complex than what I explain here but the concept is relatively easy to grasp. You can make a second income online or even a living promoting other peoples products. This is what is usually called affiliate marketing. These products may be actual items from companies like Amazon and thousands of other online merchants. These merchants will pay you a commission to send others to their web site and buy their products or services. Another option is creating a content-rich web site full of useful information pertaining to a specific subject and selling advertising on it or a combination of the two. Both of theses methods can be very hard to start out with if you do not have prior experience. You can also work at home opportunities that teach you how to start making money on the internet; some are free to join and others may be fee-based. As far as the free programs, remember the old adage you get what you pay for. You also need to be careful spending your money on a fee-based program. Research the offer thoroughly before you give up your hard-earned money.

Multi-Level Marketing is another great work at home opportunity that is a match made in heaven for the internet. Now, do not roll your eyes and click the back button just yet. I remember the days when I avoided my brother like the plague; he was always bugging people about coming to meetings or telling everyone how great he felt taking vitamins and dietary supplements. I bet the poor guy got pretty lonely for a while there. But MLM online is completely different. In fact, some of the best work at home opportunities to get started with is some form of MLM or tiered program. The beauty is you do not need to bother your family or friends to join or buy the products and your not limited to the people you know to get started. You have millions of people in the online community as prospects; so do not discount MLM online. It is a great way to get start a work at home business and usually these programs have great training resources to get you started because their success is based on your success.

As you can see, the possibilities for earning money online are as limited as your imagination, and the more research you do upfront, the better your chances are for finding the best work at home opportunity that is right for you.

Jeff Houdyschell, Copyright © http://www.eSmartJob.com

"Subject To" real estate financing is fairly new on the real estate investing scene, mainly because many investors don't know what it is.

"Subject To" financing actually can be a win-win situation for both the seller and the buyer/investor if both parties understand their obligations to one another. The seller usually gets to sell his/her property at the asking price which was originally sought, and the buyer/investor usually gets the property with very little money down, if any, while not having to qualify for any bank loans.

We know, that traditional real estate investing is mainly about buying low and selling high, and making a profit from that difference, usually over time. There's absolutely no secret to that. While doing it this way, of course, you would incur all the paperwork and everything else that goes along with buying and selling a home like paying all the transaction fees that are involved like commissions, closing costs, title, recording fees and of course your time. On an average, the whole process usually takes a month and a half up to six months depending on the situation.

Creative financing, or "other than" traditional and/or conventional real estate investing, is basically working out an agreement that is fair both the seller and the buyer, without using banks or mortgage brokers. By incorporating this type of financing, the sellers can sell their property for the price they want, and in a timely fashion. The buyer/investor can create an environment for him/her to profit in some manner over a period of time.

By leaving out the usual suspects like title companies, real estate agents and loan officers, both parties stand to make the transaction more profitable for the buyer/investor and more cost effective for the sellers. Specifically this can be real profitable for the real estate investor because in any type of investing, and especially in real estate, it's about leverage. The leverage is what makes creative financing a powerful, profit-making tool for those looking to start a real estate investing business. The leverage is usually represented by how much money you put into a certain investment, and how much you make from that amount over time. "Subject To" deals make your leverage extremely high, since most of the time you place a small amount of cash, for usually a much lager return.

Let's go over a sample situation which would create an ideal environment for a "Subject To" agreement.

Debbie and Joe Blume bought their house five years ago for a $100,000 dollars. After 5 years, they now owe about $95,000 dollars, while their house is appraised for $160,000 dollars. Both Debbie and Joe have accumulated a credit card debt of about $20,000 dollars since that time, and of course, the interest on that debt is much larger than they really care to have.

Joe and Debbie take out a second mortgage to pay off their credit card debt, take a vacation and buy a new car. With their second mortgage, they do all those things and have about $10,000 leftover, after everything is done. After 7 short months, most of that $10,000 is gone also.

Shortly after this, Joe receives an offer within his company for a higher paying position, but in a different State. Joe and Debbie talk it over, and decide to take the offer and move out of State. Of course, deciding to do that, they must now sell their beautiful home.

Like so many of us, when we look to sell our house, we think logically and talk to a real estate agent. The agent informs them that there is little to no equity left in the house, and tells the Blume's that they will have to pay the agent's commissions out of pocket. Of course, Joe and Debbie can't do that, because they ran out of money and are basically living paycheck to paycheck until the new job starts.

Joe starts to worry a bit, because he needs to get to his new job out of State, within 14 days, and Joe and Debbie would like to spend a few days off together before going to his new job.

Joe starts to think and remembers a "We Buy Houses" sign down the street from their home and runs down and calls the number on his cell phone. After talking with the investor, Joe finds out that the investor isn't will to pay more than $120,000 for the house. Hearing that, Joe is mad and upset that such a person can come in with such a low and insulting offer. Besides Joe couldn't do that deal anyway because the second mortgage they took out last year, places their debt just about what the house is worth.

Getting worried and running out of time, Joe places an ad in the local newspaper advertising the house as a "For Sale By Owner".

Mostly everyone is trying to low ball him except for one guy who said "he will offer the asking price, so long as he can see the place first". Feeling excited and curious at the same time, Joe invites the man over.

A couple of hours later, Brad comes over and tells Joe that he is the one who called about the house. Brad tells Joe to explain to him a little about the house and his situation.

Joe spills his guts and describes his dilemma to Brad. After Joe finishes his story about his situation, Brad tells Joe that he thinks he can still offer the asking price and if Joe was still interested in selling?

But before they start agreeing any further, Brad says, that as an investor, that his primary motivation to make a profit on the house. Joe and Debbie understand that, so long as their asking price is met and the house is sold quickly.

Brad continues and tells both Joe and Debbie that because of his need to make a profit, he needs to offer an agreement which will satisfy both their needs. Brad continues and says "That offer is what's called a Subject To" offer. Of course bewildered and confused, Debbie and Joe ask what kind of program is that. Brad simply states, that it's a program that suspends both their money for the house and his profit on the house for 2 years, while Brad takes over the payments. Not fully understanding, Joe continues to listen to Brad's offer.

Here's what it entails:

* keep the current mortgage in place for 2 years, at which time the house will be sold, and Joe's originally asking price will be met, plus 5% of whatever profit is made by Brad

* escrow account is setup and paid by Brad to ensure full integrity of his contractual agreement with Joe and Debbie

* property is claimed over to Brad which obligates Brad to continue making the existing payments to the escrow account. The deed will stay in the attorney's presence until the deal is fully obligated by Brad in 2 years

* relieves Joe and Debbie of the monthly debt for the mortgage payment so they can move on with their life

* Brad offers to pay closing cost and 2 months of mortgage payments to the escrow account to solidify his offer and his intentions to make good on the contract

After discussing the deal with each other and realizing that their options and time are running low, both Joe and Debbie agree with Brad over the details and sign over the deed to Brad via the attorney.

Brad then quickly rents out the house to cover the mortgage payments and manages the house as a rental.

Two years later, Brad sells the house for $210,000 and pays $160,000 dollars to Joe and Debbie's mortgage company, plus sends Joe and Debbie a check for %5 of the $50,000 dollar profits, which is $2,500. Everybody wins!

Jim Mack is a real estate expert and loves to teach. Visit him at http://www.propertycashcow.com/a-blanket-mortgage-covers-multiple-properties-on-the-same-loan.html and http://www.propertycashcow.com

Isnt it funny how we dont realize what we have until its gone. Like the parent who pushes the kids off to college only to suffer from empty nest syndrome a week later, or like the guy that sells his hot rod only to spend the rest of his life drooling at ever car show in town. Wouldnt it be nice if you could have someone show you in advanced the consequences of your actions or show you what the world would be should you never have been born?

Just think for a moment, its evening, youre just getting home from work. You enter the house to be greeted by your family, but there is only one exception, there are no pets. No one ever thought to domesticate dogs, cats, fish, hamsters, and even snakes. So you say your hellos and then start to get ready for dinner. Youre then told how your son is having difficulties in school because he doesnt communicate well with others. Mom and Dad were always working and without that pet to interact with he just kept to himself.

After dinner you sit in front of the television. You drape you arm over the side of the chair, but theres no fur rubbing against your hand. No dog to curl up at your feet. No cat curling around your neck. Then the phone rings, its your sister. Shes calling you because shes alone and needs someone to talk to, because she doesnt have those fish, an African Grey, or that lovable French Bulldog to talk to. She tells you about her blind neighbor who needs to have someone guide her around.

The morning comes as scheduled so you get up grab your shower, eat breakfast, and youre out the door. Wait, whats this, no morning jog? But you need to get that body weight down. Oh, wait, there was no dog to walk to give you that extra push to get out and get moving. You then turn on the radio to hear reports of wild dogs terrorizing the public, and uncontrollable amounts of wild rabbits causing numbers of auto accidents.

Finally you come home for lunch. The house is empty. The silence is maddening, you could really use someone to talk to or curl up on your lap. But that would be silly, because animals dont belong in doors, and animals are dangerous. As you sit there in your cold, quite house, you realize how truly alone you are. Then your silence is broken by the sound of your PDA chiming with a reminder that you need to see your Psychiatrist today. Hopefully he will find the root to your depression. As you walk out the door you think, There must be something missing! Suddenly you wake up to the feeling of a wet nose poking your face, a purring in your ear, and you breath a sigh of relief that it was only a nightmare.

How much would you miss pets if you sudden found yourself in a life with out them? Doesnt it make sense to enjoy every minute we can with them? So today take some time and just think about what your life would be without your pets. If you dont have a pet, just dialup your local shelter or rescue. Together we all can see to it that we never have to live a life without PETS!

Bill Clanton is Program Director and Co-Founder of All Pets Radio (http://www.allpetsradio.com), an online radio station for Pet Lovers and Pets alike. Having worked in broadcast radio for the past 15 years and always living around pets of all kinds, Bill felt that bringing these two loves together would be a perfect match.