Money-making investments in the real estate market?

The real estate market is one where a profitable investment is always to be found; somewhere amid the foreclosure lists or lying dormant on a real estate agent's desk. This guide aims to give you the background necessary to allow you to find profitable investment real estate.

The first key to profiting from real estate is to find a highly motivated and urgent seller. The idea is that to negotiate a lower price on a piece of real estate requires the seller to want to sell their house quickly or favorably. If you are talking to an unmotivated seller on the telephone then it will soon be very clear that you are not going to get a discounted price on this real estate. If the seller is unmotivated then you will be unable to negotiate a lucrative deal.

One counterintuitive aspect of real estate investment is that you normally make a profit when you buy real estate and not when you sell it. This means that, while there is often little you can do to increase the value of real estate; sellers are human and are often willing to negotiate their price. Saving money while buying real estate is the key to selling homes for a profit in the real estate market.

With that in mind, your first step is to develop a list of real estate properties that you are considering investing in. You are going to need to view around ten pieces of real estate before you careful choose which one will be your chosen investment.

One useful technique for sourcing profitable real estate properties is to interview real estate agents; the people that profit from real estate on a daily basis. Interviewing a real estate agent and finding out if they own any investment real estate they would be very useful. Remember, they will be more than willing to be interviewed because you are offering them your regular custom.

Real estate agents understand the market "inside out" and can be an excellent source of investment properties with low prices because others have not seen or understood the potential of them. After you create a good relationship with some local real estate agents you will typically receive a phone call every time they notice a good property reach their desk. Remember, they receive a lot in return for this relationship because the more real estate that they sell the more commission that they earn.

Another very useful method for sourcing great real estate deals is the use of foreclosure lists. All you have to do is to search Google for "foreclosure lists" in your local area. Typically, you will have to pay a subscription fee to access this but it is definitely worth the cost.

In order to profit from foreclosure lists easily and quickly, follow these steps:

* Firstly, buy the daily foreclosure list for your area and flip through the pages.
* Select the only real estate that has been on the list for less than thirty days.
* Highlight the real estate that is within your budget.
* Look specifically for real estate that is located in nice surroundings or desirable neighborhoods and only select properties that are within fifty miles from where you live.
* Using the internet, access the local tax records and obtain the tax value of this particular piece of real estate.
* Also, search for the real estate in question on meritrealty.org. This website is also designed to give clues as to the value of real estate.

Once you have picked a few potential properties then ask your real estate agent to take you for a viewing. If you are happy with this real estate then hire a real estate property surveyor to make sure that the house is structurally sound. This step is necessary to ensure the value of your investment.

After this point you will be in a position to make an offer on this real estate and to attempt to "buy low" in order to "sell high".

Admittedly, finding a profitable piece of real estate is usually the result of a small amount of hard work. However, this article has put you at a great advantage in the real estate market. Also, the rewards of finding valuable real estate speak for themselves. Buying an under priced piece of real estate can mean profits of tens of thousands of dollars.

So, with all that new knowledge behind us,

Happy House Hunting

Top 10 Car Drawing Books For Beginner Artists

1. How to Draw Cars Like a Pro, 2nd Edition

In this long-awaited follow-up to the best-selling first edition of How to Draw Cars Like a Pro, renamed car designer Thom Taylor goes back to the drawing board to update his classic with all-new illustrations and to expand on such topics as the use of computers in design today. Taylor begins with advice on selecting the proper tools and equipment, then moves on to perspective and proportion, sketching and cartooning, various media, and light, shadow, reflection, color, and even interiors. Written to help enthusiasts at all artistic levels, his book also features more than 200 examples from many of today's top artists in the automated field. Updated to include computerized illustration techniques.

Author: Thom Taylor

2. How To Draw Cars Fast and Easy

How To Draw Cars Fast and Easy is a 134 page car drawing guide in downloadable e-book format, jam-packed from cover to cover with all the tips and techniques previously known by only a small hand of professional designers. This program contains all the information you'll ever need to draw perfect looking cars quickly and easily that will amaze your friends.

Author: Tim Rugendyke

3. How To Design Cars Like a Pro

This book describes how car design and technology work through the eyes of the most talented and powerful car designers in the world. The interviews give a deep understanding of why we see what we see on the highways of the world. Author Tony Lewin has been a highly regarded magazine editor on the world stage for so long that some of the top young guns revealing all in this book were hanging on his words just a few years ago.

Author: Tony Lewin

4. How to Draw & Paint Cars

This book is not about learning how to draw and paint fashionable cars, super cars, tarted up street or 'cool' cars as referred to by some motoring journalists, it is about drawing and painting all types of cars. The author has endeavored to distill experience from many years creating images on this subject into a book that will help and encourage those keen to draw and paint cars, both for pleasure or as a career. The author takes you through the history of the car from it's conception in 1885 to current models with sketches and paintings created in a variety of mediums, with examples and step by step guides. Readers are encouraged to develop their skills, whether raw beginners or accomplished artists. The road to success will not be easy, but, through this book you will learn all the techniques short cuts accumulated over decades by an accomplished commercial artist. Whether for business or pleasure this book is THE handbook for automotive art. With 185 illustrations and step by step guides this is a must have for any budding auto artist.

Author: Tony Gardiner

5. How to Draw Cars the Hot Wheels Way

This book provides excellent how-to-draw detail that is appealing and easy to follow for Hot Wheels (tm) and drawing enthusiasts from ages 10 to adult. Detailed drawing techniques with descriptive captions allow readers to create their own automated designs. Illustrations emphasize how to draw fantasy, custom, concept, and hot rod cars. Author Scott Robertson uses original Mattel art throughout the book. With real Mattel artwork featured in detail, the bo0ok has great appeal for collectors, even if they are not aspiring artists. Because Hot Wheels (tm) diecast cars are modeled after both real and fantasy vehicles, the techniques and interest to readers is the same as for real-life car enthusiasts. Officially licensed by Mattel.

Author: Scott Robertson

6. H-Point: The Fundamentals of Car Design & Packaging

The ultimate reference guide for car designers and automotive engineers! H-Point was written by the pioneer of the Vehicle Architecture course at Art Center College of Design, Stuart Macey along with the Director of Advanced Mobility Research, Geoff Wardle. Currently used as the educational handout for the transportation design students at Art Center, it will now be available to aspiring car creators everywhere, clearly organizing the packaging standards that apply to car and truck design; along with insightful graphic explanations, this book demystifies the automotive design process and allows designers access to an illustrious careers worth of knowledge.

Author: Stuart Macey

7. How to Design Cars Like a Pro

This comprehensive new edition of How to Design Cars Like a Pro provides an in-depth look at modern automotive design. Interviews with leading automotive designers from Ford, BMW, GM Jaguar, Nissan and others, analyzes of past and present trends, studies of individual models and concepts, and much more combine to reveal the fascinating mix of art and science that goes into creating automobiles. This book is a must-have for professional designers, as well as for automotive enthusiasts.

Author: Tony Lewin

8. DRIVE: vehicle sketches and renderings

DRIVE features Scott Robertson's very latest vehicle designs intended for the video game space communicated through skillfully drawn sketches and renderings.

DRIVE builds upon the success of his prior two vehicle design books, Start Your Engines and Lift Off. Featuring four chapters, each representing a different aesthetic theme, Aerospace, Military, Pro Sports and Salvage, conceptual sports cars, big-rigs and off -road vehicle designs are beautifully represented through traditional and digital media sketches, and renderings.

Author: Scott Robertson

9. How to Illustrate and Design Concept Cars

Beginners will find an easy-to-follow introduction to the topic, while more experienced designers can find new inspirations by reading about the author's workflow process. A very interesting book for everyone who loves drawing and rendering cars.

Author: Adrian dewey

10. Start Your Engines: Surface Vehicle Sketches & Renderings from the Drawthrough Collection (Air Vehicle Sketches)

Start Your Engines compiles works from Scott Robertson's vast archives of ground vehicle drawings and renderings, and features the following chapters: Cars, Bicycles, Snowcraft Mechanimals and selected work from the conceptual design of vehicles for the video games Field Commander and Spy Hunter 2. The Cars chapter reviews about half of this book and features original designs both futuristic and retrospective.

Author: Scott Robertson

7 Factors Affecting TIPS Bond Performance

1. The Expected Future Inflation Rate - The performance of TIPS bonds are affected by the expected inflation rate for the future. These securities are inflation protected securities, and if the expected inflation rate for the near future is expected to rise then these bonds will perform better. If inflation is expected to fall in the near future then the bond performance can suffer as well. If inflation is expected to increase then the demand for these securities can also increase significantly.

2. The US Economy - The economy of the United States can affect the performance of Treasury Inflation Protected Securities. A weak economy usually means a lower inflation rate, and this in turn causes the performance of these Treasury securities to decrease as well. A strong economy often means rising inflation, and this translates into better performance for this type of bond investment. The state of the US economy has a big impact on the performance of TIPS investments.

3. Changes in the Consumer Price Index for Urban Consumers - The Consumer Price Index is one factor that will help determine the TIPS bonds performance. When this index increases then the performance of these securities also improves because these bond rates are fixed to the CPI. The link between Treasury Inflation Protection Securities and the CPI means that the CPI is essential for this bond performance. Any changes in the CPI will affect the bond performance as well.

4. The Current Inflation Rate - When the current inflation rate increases then the bond performance for TIPS will improve automatically. Because these bonds are inflation protected then the return on this investment is better when inflation increases. Any changes in the current inflation rate will affect the way that these bonds perform.

5. Deflation - Deflation can destroy the performance experienced by TIPS bonds. These bonds are designed to perform better in times of high inflation, so deflation adversely affects the bond performance and can be a cause for concern with investors who hold these securities. Historically times of deflation are also the periods where Treasury Inflation Protected Securities perform the worst.

6. The Global Economic Situation - The global economy can play a role in the performance of Treasury Inflation Protected Securities, because this economy helps to determine supply and demand. When the economy around the world is strong then foreign investors are more likely to invest in TIPS. If the global economy is weak many investors may choose to hold their capital, so there is less demand for these bonds on a global scale due to lower inflation rates.

7. Decisions Made by the Federal Government Concerning Monetary Policy - The TIPS bonds performance is dependent on the decisions that the Federal Government makes on national monetary policy. If the Feds change the policy in place, this can affect the bond performance in a number of ways. The government may adjust the inflation rate higher or lower depending on the economic conditions and other relevant factors. These changes can cause TIP securities to perform better or worse, depending on the specific changes made to the policies in place.

How to Make Money on Clickbank - What You Need to Know

Learning how to make money on Clickbank is a great way to either supplement your current income or create a cash-generating, full-time business.

This article will show you how to make money selling products from Clickbank. Each product available for promotion represents a market or niche. Some niches are very profitable, while others are not. To make maximum income, you need to promote profitable products.

The first step is to sign up as an affiliate on Clickbank. This is a fairly simple process which requires you to visit their site and click the words "sign up" in the top navigation bar. Just follow the prompts and you'll be signed up in no time.

The next step in how to make money on Clickbank is to create a place to promote the products. There are several platforms available to accomplish this. You can buy a domain name and make a blog or website. You could create a free website at Blogger.com or Squidoo.com. You just need some place online where prospects can find you and see your offer.

Once you have a place to promote your products, it's time to decide what you're going to promote and who you're going to promote. This is the most important element in making money on Clickbank, and will determine how much you'll make in your venture.

As I mentioned earlier, each product on Clickbank represents a market or niche. To make the most money online, you need to promote products to audiences that are starving for what you have to offer. I call those people a "starving crowd"

Marketing to this type of audience is easy because they're hungry for what you have to offer. They're constantly thinking about your product and are very emotional about it.

Sure, you can make a little money promoting products to people who are not starving for it, but to make substantial money online, you really need to focus on the starving crowd.

After you have chosen a product that's already selling well and has an audience that's really hungry for it, you need to post it on your blog or website. To do this you click the "promote" button next to the product you want to sell. You'll be redirected to a different page where you can give your link a special tracking code.

Giving your link its own tracking code allows you to see where your buyer came from. This way you'll know which site or link is bringing the most clicks.

Copy the link in the top section and paste it to anchor text or an image in your blog. When someone clicks that link, they'll be directed to a sales page.If they make the purchase, you'll receive a commission.

I hope this article has helped you learn how to make money on Clickbank. selling products on Clickbank is a great way to supplement your current income or create a full-time business.

Learn and Earn With Affiliate Marketing

Do not Be A Statistic; Learn And Earn Your Way To Success

Having invested four years or more of hard work in a degree, it is imperative that you maintain your skills and have work experience recorded on your resume. Use your marketing skills and earn money at the same time. Affiliate marketing will provide you with the opportunity to learn and earn.

I had been unemployed for a few months; every recruitment agency within a 20 mile radius had been bombarded with e-mails, phone calls and of course, had been provided with several copies of my CV. Never before have I been unemployed for such an extended period of time, and I have an extensive experience in my chosen field. The financial climate gives employers the upper-hand; This is an ideal opportunity for employers to choose the most experienced candidates, leaving those with less than perfect CV's at the back of the queue. I can only imagine what it must be like to be a student or graduate just out of university. I decided to trawl the internet for any home-based opportunities to earn some money, as my savings were being sapped, and my resources depleted. I spent a good week researching; affiliate marketing was the one opportunity that appeared to be legitimate. In the process, I had fallen foul to three scams; I did not lose a fortune, but any amount is too much when lost to a scam.

Affiliate marketing is the most lucrative online opportunity. It is not a get-rich-quick scheme, and you will not become a millionaire overnight; it requires hard work, dedication and motivation, but it is the ideal opportunity for those who might be unemployed, or anyone looking to top up their incoming, to tap into what is fast becoming, a booming industry.

Currently, there is no specific affiliate marketing degree or diploma, although this is likely to change with time. In simple terms, it is where a customer searches online for specific products and is directed by the affiliate to the required product via a link. The user clicks on the link and is driven direct to purchase the product or service on the seller (merchant) site. The seller pays the affiliate commission as a percentage of the total sales value and this can be anything from 15-75%. The affiliate must have the knowledge and know-how to find the right products for the right customers at the right time. Advertisers prefer to have their products marketed in this way because advertising costs only become effective when a sale takes place.

The golden rule of affiliate marketing is finding niche markets. A niche market is defined as a specific targeted product that satisfies the consumers requirements. It is highly specialized and requires much fine-tuning. Research is imperative; finding the right keywords will lead you to the right customers and products for that customer. It is possible to market a product in two ways; either by choosing a consumer and providing the product that consumer wants, or by providing a product and finding consumers to purchase that product. The affiliate finds the niche market, shows the product to sell, then chooses a marketing technique and then builds a campaign leading to action. It is possible to earn money online within any industry but the key is to provide the right product to the right person at the right time and for the right reason. Initially, you should promote a product, service or topic that you know something about, or at least, are interested in. You are more more likely to succeed if you are passionate about your subject; what graduate is not passionate about their subject?

You will benefit from joining an affiliate program initially; An affiliate marketing training program is the easiest and quickest way to lead you to success. There are hundreds of programs, and I have researched them all. Joining is usually free, and a reputable program should provide you with all the expert training, resources, research tools, market information, mentoring and support to ensure your success. The program should be able to turn marketers into sales machines, keep you ahead of the game and make you a force to contend with. Be aware of programs that expect you to pay considerable amounts to find out about what they offer. You would not pay a company to interview you; this information should be free. You will need to pay a membership fee for joining; this the norm, but in return your offer should include all the training and resources you need to start your business.

You will need products to promote, so will need to join an affiliate network. The beauty of affiliate marketing is that you do not need to invest in products to sell; you simply market and sell products already offered by merchants. Networks such as ClickBank, LinkShare and CJ.com are reputable networks. There are many networks to choose from; choose those offering a good rate of commission and confirmed payment method. These networks offer thousands of digital products but you will need to learn quickly how to master these networks and achieve the best possible sales potential.

You are far more likely to succeed in maximizing your potential through the use of your own website. Your website will provide you with an identity wherey you can market your products in your own style. You will also be able to target your products to specific markets and update your product offer when applicable. Your marketing efforts will be automated and therefore your earnings potential will be continuous. Websites can be built using free web development programs and do not need to cost the earth.

There are many marketing strategies you are able to use to promote your products; the affiliate program will train you to master these techniques. There are free marketing techniques and paid-for ones. Article marketing is a free marketing technique to get traffic to your email marketing campaign. By writing short articles and submitting them for distribution in the market you will achieve credibility. You will need to write unique, relevant quality content and also unique content. Every article contains a resource box and by-line, including the author's contact details. Writing good articles can achieve valuable backlinks to your site.

Other strategies include Pay-Per-Click, wherey you use advertising mediums such as Google AdWords to promote your offer. E-mail marketing will quickly build you opt-in mailing lists which are great for targeting specific products to customers at specified times, and you can utilize autoresponders to manage your e-mail campaigns. Search Engine Optimization is key to driving traffic to your website and achieving high page ranking with Google, Yahoo and MSN can bring huge amounts of traffic to your products.

Joining a program has other advantages; it will enable you to earn from the outset if you choose one offering promotion incentives; promote the program you have joined, and you are able to earn from day one. Take advantage of your skills and marketing capabilies; learn and earn to put that much-needed experience on your CV. I wish you the best of luck!

Online Backup Services 101

In today's highly interconnected world which revolves around our interactions, communications and transactions over the Internet, safety and security of data has become an imperative and hence the need and demand for online file backup services. With online data backup services offering remote backups and ease of access to the data stored, this is a perfect solution to the problems like physical and online data security, which are faced by both home and business users alike.With various service providers in the market offering exciting deals and innovative features, the time is ripe to make a move and secure your data before it's too late.

Need for Backup

The need for online data backup arises from the fact that the traditional methods of data storage are not the most reliable. There are a lot of external factors to be taken into account. Home users mostly store their photos, tax and financial information and collection of their movies and songs on their storage devices like hard disks, CD's or other external storage devices. Their need for data is personal, emotional and financial.

While for business users, need for data backup is purely financial and involves high amount of sensitive information which leads to a high degree of risks. Business users mostly store their financial and tax information, client information etc. on their onsite storage devices.

Factors which can lead both home and business users explore safer options are the possibility of theft, accidents like fire, flood, power surge, corruption of files and other similar hazards.

Key features

There are a lot of different features that makes these services extremely attractive. All the major online file backup services are extremely secure and offer features like SSL / TSL encryption, password protection, folder permissions and 24/7 file encryption at the server end.

Other features like sharing of files and folders and custom links, gives an added advantage to the consumer. Restoring deleted files and storing multiple file versions are some of the handy features which are offered by the best online file backup services. The drag and drop feature of data backup is very handy and makes it very easy for the user to share files

The most important aspect of the online data back services is the backup itself. The beauty of this feature lies in the fact that the backup is done automatically as per scheduled beforehand and is incremental in nature ie whenever there are changes made to the files in the backed up folders, an automatic backing up is initiated.

Advantages of backup services

The benefits derived from the advantages offered by various secure online file backup services far exceeded the value of money spent on them. In this information age, protection of data has become a priority for everyone.

Automatic backup provided by various providers may be ubiquitous but is a highly essential function when it comes to backing up the data. Prescheduled backups give an option to the users wherein data backup is done without any supervision and takes out the mechanical element involved. Moreover these backups are incremental and consequential revision to data is done automatically.

Accidentally deleted files could also be restored when using online backup services and gives a cushion to the user and thus ensuring an error free environment. Online storage also reduces or eliminates the physical aspect of data storing by storing all the data of the client at off-site locations which are more secure.

Mobility and security

We can not be near our computer all the time and hence there is the need for mobile access to your online data. Most of the online file backup services provide various features to accommodate the users while away from the main computer. By using mobile apps one can access the saved files from any place as long as internet connection is available. Mobile syncing of files is also allowed where you can sync, update or change a file. The desktop apps allow users to access files from any computer and it support multiple computers and various file types.

The security aspect of storing files online is extremely important and to aid that, the providers use various security features while storing or transferring files. SSL / TSL encryption prevents other people to access your account or files. Even when the files are not transferred, they remain encrypted and it is called at-rest encryption and uses an encryption method called advanced encryption standard, which encrypts data arriving in and decrypts data going out.

Analyzing your needs

Before you opt for an online data storage option you have to make sure that you analyze all your needs. It is an important part of the process as it gives you an option to review your requirements. These requirements vary for both home and business users.

Most of the providers have different plans for home and business users. But depending on the following, a particular company or plan can be short listed

· Cost : While some might not consider spending a lot on data storage a big deal, but most people are cost conscious and look for a good deal. Among the best and most reliable data storage companies, the lowest plan starts from $ 5 per month to an upward of $ 100 per year. Some providers also provide 15 day free trials to try their product.

· Storage space : While free storage of 1-2 GB's come with a few plans or providers, it's always a better option to buy a plan because it promises more storage space and better customer support. Some also offer free cloud storage like Dropbox etc.

· Reliability : The quality of service is paramount to selecting a provider. No disruption in service and 24/7 support should be guaranteed.

· Value for money : This is again an important factor when deciding upon a provider. Your money should provide the best possible value for it when considerations are given to factors like pricing, overall features, storage space and reputation of the provider.

Data backup never comes at a high price because when you will realize this only then you can begin to understand the true importance backing up your data.If you want your data to remain secure for a longer periods of time and want an added advantage of better security while storing and transferring the data you must opt ​​for online file backup services.

Make Money From Your Spare Change

Spare change is something we all have lying around somewhere. Whether it's tucked away nicely in the trusty ole piggy bank, lost in the couch cushions or riding around in your cup holder there is one thing you can know for sure. If it's not being put to use then it's not making you a penny.

Let's briefly explore just a few of the possibilities that could easily be done for you to make money from your spare change:

1. Roll it and take it to the bank! Even with the ridiculously low interest rates our financial institutions are offering now it is still more than that ole piggy bank is paying you to store it for you. If you do not have the time or the patience to roll the change yourself most institutions now have machines to do it for you for a small fee.

2. If you or your spouse happens to possess a talent for making something then use the money to buy supplies to make things and resell them. My wife has been making hair bows and selling them for over a year now and the only thing it cost us out of pocket was the initial trip to the arts and crafts store. Everything since has paid for itself. From fall festivals, arts and crafts shows and of course the internet there is an endless supply of opportunities to sell your product.

3. Start a coin collection. Collecting coins has been a hobby of people around the globe since the first coins were made years ago. The value of some of these collections is astronomical and is continuing to grow. A popular collection today is the state quarters and most of these coins are easily obtainable. Having a coin collection also doubles as some really good family time as you can sit and sort through the coins with the kids.

4. One last possibility which happens to be my personal favorite is to take the money and invest it in your future. There are so many opportunities out there today both on and offline that can be taken advantage of with little to know startup expense. And considering the change was in fact just money you had lying around the house you can afford to take a chance on one of those many business ideas that have been bouncing around in your head for years.

These are just a few of the endless list of strategies you could employ to make money from your spare change!