Archive for November 20th, 2009

Advantages to Renting an Apartment

During your senior year, it can be a hard decision to decide whether you want to live at home, in a dorm, or take the daring decision of moving into your very own apartment. Apartments, Cincinnati style, are very simple to look at and love at first sight. With modern and technical trends all over the city, Cincinnati rental apartments are fun to look at, at any age. Whether you are a teenager beginning college or just an adult who is looking at a new apartment, you will probably be able to get whatever you are looking for. Apartments are easier to take care of than a large house, economically sound, and Cincinnati apartments are always great looking in great places.

A huge house is very nice to think you could own, but in all reality it is extremely hard to manage when you think about all of the effort that has to go into it. You have to keep a house clean and tidy, as well as covering the mortgage, and you have to think about all of the utilities that are included. A washer, dryer, refrigerator, dishwasher, and furnace are just some of the little utilities that will rack up your electric bill. This does not even incorporate air conditioning and heating costs. There is a lot of work that has to be done with a home to keep it nice and there is also a lot of care required in the economic region. Think about this before you buy a home with a lot of area.

An apartment comes with a monthly payment just like a house does, except an apartment payment is much easier to take care of. A house payment is called a mortgage which requires a loan; most apartment payments do not call for a loan because they are in the range of four hundred to eight hundred dollars. This can typically be paid with a check or money order to either the owner or the apartment complex. For a lot of people this seems easier and less stressful. It is also very easy to manage because you know how much you will be spending each month, and you will not have to guess.

Apartments are also really great because of all of the amenities that go along with them. Many apartment complexes have access to workout rooms, swimming pools, tennis courts, and even access to library type areas. Apartment complexes are great for beginner college students because everything is laid out and easy to deal with. If you are not living at home or in a dorm this can be a great option.

Moving to a new place can be either difficult or exciting to anyone of all ages, but it is not impossible. Moving in to a new house can be very chaotic, but apartments are a nice balance between too large or too small. Apartment complexes provide a wide variety to choose from all over the city rather than a certain area of homes that feels safe and comfortable. If it is difficult leaving home, give it a little more time, you will be prepared when you are ready.

Connor R. Sullivan recently contacted a real estate agent who specializes in finding Cincinnati rental apartments. He searched the internet for a new home by using the term apartments Cincinnati.

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Things To Know Before Buying Properties Abroad – Help

Buying properties abroad is not a very effortless affair to do, largely if you have on no account stayed in the state where you are considering acquiring a dwelling. The best thing to perform is to spend at least one year in that nation state prior to resolving it is time to purchase a dwelling there.

After concluding you would like to move to a new nation, you should go to the suitable consulate or embassy of your individual state and afterwards get several advice about the issues that you ought to execute while buying properties abroad together with the vital levy or work documents.

You need to check out all the planning permissions from that specific country you want to move to. You might need some additional permission in order to renovate the property you are buying or there can be some restrictions about some things you can do whilst living there.

The best thing you could do when considering buying properties abroad is to get an attorney in the country you wish to be a new home, but continue to do your own research because knowledge is the power, as you already know.

One more pointer would be to really stay for a phase in the locale you are pondering buying a dwelling in order to see if you love the region and all the living there so it becomes clear to you. You must make certain that the price will be very similar for the people of that state and for foreign persons for the reason that some real estate negotiators sometimes make this discriminatory difference.

Before starting to look for buying properties abroad you are supposed to create a bank account in that state with the intention to soon avoid altogether the pressure in addition to hassle. At the point you make the finances for buying properties abroad confirm you deposit something in reserve for the random features for instance trickling tops or burst tank. These events are inclined to come about when you procure a property, and consequently you must know about the upcoming expenses.

You need to realise that buying properties abroad is not an assurance for getting residence or residency in that country. Property and rights count on various other details, for instance the duration of time you spend in that nation plus the setting from which you are getting your source of revenue. You have to in addition take these things into account at the moment of buying a dwelling in a different nation.

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Real Estate SEO uses branding to assist with building your profile on the Internet via social media marketing. Social media marketing is similar to any other marketing you would do in your community on a local level. Online marketing however is about promoting your website and yourself on line via Facebook, ActiveRain or Stumbled Upon, Twitter, YouTube, Yahoo Answers, and various real estate forums. Social Media Marketing is considered a very powerful method for driving traffic and garnering interest in sites and therefore your brand..

Since most offline marketing is paid, such as using local newspapers, being able to take advantage of a free avenue of traffic is a great side benefit. By beginning social marketing we are branding our real estate market authority and are also building important backlinks to our site. We then increase our site’s relevance and ranking. The best part about social media marketing is that these sites have high authority and high page rank thus giving our sites a boost.In our video series we speak about some ways to build up your social media marketing profiles so that you know how to do it right. These sites cannot be under estimated as there are thousands of visitors to these sites at any given time so that would mean a fair number of these visitors reading your posts will probably become interested in what you have to offer.

In this case as you promote your site on these platforms all it really takes is a few people to become interested in it and they become targeted prospects when they arrive at your site. In some cases they may even share your site and information with others that are interested in what you are speaking about. When people share your words with others and it starts getting around the Internet that is called going viral. By committing to write useful information for your branding campaign, you can gain thousands of prospects to your site, that may translate into sales or referrals.

The next question to then ask is have you set up your personal profiles on Facebook or other relevant real estate forums where prospects go to find answers to questions about moving or real estate in general? Because of the reach of the Internet, you have truly international reach for your message to get out to. While, up to now you may have been spending money on your local newspaper adverts, now is the time to think about this vast free network you have access to. When you consider how many people have moved into your community from outside the realm of your local paper, it makes more and more sense to advertise on this world wide platform so that they can find your properties.

By using Digg, Twitter, Fark, Technorati and many others, especially real estate forums in your area of expertise you can attract your audience. All you need to do is create simple profiles at these sites and submit articles, editorials, news feeds, blog posts, and more. The high authority of these sites, means that our back link within your article will help boost your page in the search engines. If you are lucky, one of your articles will become a hit and people will be talking about it and posting it on their sites as well, which of course means more targeted traffic for you. This is called branding by means of social media marketing for just this reason.

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Sell Your Home Easily With This Helpful Information

When selling a home, especially in the current real estate market, you need to do everything possible to stand out from the competition. With so many homes now available, your home needs to offer something special, which would ensure a fast sell and good price.

House Needing Repair

We recommend you research properties under sale in the same geographical location to look at condition and price.

You need to make sure that your home is in excellent condition as a part of getting your home ready to sell. If you want to get the best price from your home, you should complete the repair it needs and you may even upgrade your home.

Have Your Property Photographed

You should let you real estate agent take a lot of quality photographs of your home for posting on MLS. Always keep the home clean and uncluttered and try to put some things in the storage if need. Here are other tips:

Keep the toilet seats covered. Only a photograph of the master bedroom is needed unless the other bedrooms are significantly larger or different You or family members should never be in photos of the home so watch for reflections in mirrors. Shoot only positive features of the home, a swimming pool, fireplace, etc but avoid small closets or hallways. The kitchen is the heart of the home so people want to see numerous photographs of this particular room. For the dining room, have the table beautifully set. The living room photo needs to make the room look large so if you have a lot of furniture, put some in storage. Make sure the front and back property is also included, especially water features, pools, built-in grills/fireplaces, and gardens. Use descriptions to enhance photos.

Marketing and Advertising Opportunities

When it comes to selling a home, you will need to consider several marketing strategies. Consider the following:

Invest in color postcards and mail them, for out-of-town buyers and potential buyers in your neighborhood. Multiple color flyers that have some of the best photos of your home really work great when distributed to potential buyers that will come to open house or to view on a scheduled tour with the real estate agent. Consider having videos added because virtual tours get attention. Consider having new advertisement that are done weekly. Open houses should only be held on Sundays or Thursday evenings to get a greater number of visitors to your home. Have your agent get feedback from people that have gone through the home, allowing you to make repairs, changes, or upgrades accordingly. If comfortable, shoot a self-video of you telling people about the property or giving a tour and then post it on a video site like YouTube.

A good rule when selling a home is that with this currently being a buyer’s market you need to set the asking price at least 2% lower than the asking price for the most comparable home. If the price is simply lower than what you want or need, perhaps you should consider selling in the future. Listing your home at a price that will get no movement is a huge mistake.

Jules Hagey is a real estate investor based in California. He is a former estate agent and writes widely about issues related to real estate and finance. He is currently establishing a quick sale houses program in the UK to take advantage of the current opportunities found there.

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Experience a Great Life Style in the Texas Hill Country

There is no place that more clearly illustrates the rugged spirit of America than the Texas Hill Country. Its great climate, limestone hills, mysterious caves, and refreshing tributaries have made it a favored tourist destination. It is a melting pot of people from diverse backgrounds and cultures. Those thinking of living in the Texas hill country area will be delighted with the variety of ways to express themselves as a property owner in this beautiful region.

Texas Hill Country is warm year round. For fans of outdoor sports, this is the perfect place. While the summers do get hot, they are free of the humidity that plagues much of the rest of the south. This allows you to enjoy the hot sun with a cool breeze, free of the sticky fatigue of the damp air of other locations. If you want to live somewhere that frees you to enjoy the beauty of nature all year long, Texas Hill Country is the place to be.

Much of Hill Country remains in a beautiful natural state. It is the ideal place to establish a cattle ranch, go hunting, explore rivers and caves, take hiking trips, or any of the other activities a fan of the great outdoors might enjoy. Small towns in the more rural areas maintain the old traditions of America’s past.

However, Texas Hill Country is not only for the fans of rural life. Austin and San Antonio are two of the most vibrant cities in America. Austin, Texas is renowned as a cultural center. Its music scene is unique and legendary. South by Southwest is a trendsetting music festival that often launches the careers of major stars. These cities are a melting pot of interesting cultures. San Antonio is home to the world famous Alamo, a symbol of the independent spirit of Texas. Spanish and Central European cultures unite here to form a region specific influence on food, music, language, and tradition. Top colleges and hospitals are within a short drive of any property in the area. The beauty of nature and convenience of the modern city are both close by in this marvelous location.

This legendary region has attracted many wealthy people who have built ranches for retirement. It is considered one of the best places in the country to spend your golden years. Tourism thrives year-round; some consider it the best tourist location in America. The exciting, hip youth culture of Austin and San Antonio also makes it attractive for young people who are looking to relocate to this area.

If you are in pursuit of property, a Texas hill country estate would be a great investment. The property is affordable. Costs of living are lower in this area than in many other parts of the country. The natural experience is unbelievable. You can have the beautiful ranch life under the big Texas sky with convenient access to two major cities. It is a gorgeous merger of the haunting beauty of America’s past with the diverse variety of the future. For your next real estate buy, Texas Hill Country is an excellent choice.

Sherron Properties specializes in assisting buyers and sellers of Texas Hill Country Ranches, Homes, Land and other property. This article powered by SEO 2.0 Services

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The global financial meltdown which originated form US sub-prime loans has brought on a severe test onto the economy. As a result, businesses have folded and consumers are left homeless. Today, one year after the sub-prime storm, it is comforting to note that businesses have almost returned to the level pre-sub-prime crisis.

Unlike previous crisis, this time around, the global communities have responded swiftly and decisively. While we are still nursing from our hangover of this sub-prime storm, we are at least relieved by the belief that the economy is on the mend and a strong and sustained upturn would follow next as what happened in the past.This unilateral and coordinated action has restored some calm into the market and allowed it space and time to recover.

Here the author will present to you four age-old tricks in the investment games that work across the board, including real estate investment. Despite the volatility of today’s market, good opportunities are still abound. These tips have survived time and numerous market crashes and they will help you to derive to sound investment decisions in any market situation.History has indicated that markets always recover so it is up to you, the investor, to find those emerging opportunities.

Don’t Get Sucked In by Gossips Almost daily, there are good dose of gossips and rumors that make the rounds in the real estate sector. Keep in mind that negative and sensation news can trigger your emotions and sometimes induce fears into you. So be aware of them to keep a tab on the developments but do not react impulsively to them. Instead use your long-term investment plan as a guideline to make decisions.

Update your portfolio real estate markets continued during \ ’s up and down cycles or changes in the external business environment, financial goals, create the need may change. It should be amended in order, but also include the changes in its investment plan. You should always adjust its financial goals with the investment plan.

Diversify your Portfolio Learn to spread your risk by maintaining a well diversified portfolio.So when a sector is in distress, not all your fund would be in risk.If possible put aside some cash as extra measure in property risk mitigation.

Do extensive Research Research plays a pivotal role while investing as it helps you to better understand your investment. Professional assistances like services from .financial advisers are always on hand if you need more information.

Property investment can be interesting and rewarding undertaking. Once you pick up the trick and formulate an effective investment plan, it can bring you good and recurring dividend over time.

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Home Loans Tips

There is mounting evidence that even South Africa is not immune to the current credit crisis that is affecting the entire globe. It should be mentioned first that home prices are continually dropping. Statistics that were releases by bond originator ooba state that the home prices have fallen 6.6 percent overall compared to last October. Broken down into simple terms, it basically means that a house that is sold last year would have brought R803,908, would only bring in R751,118 in October of this year.

Banks are being cautious in light of the credit crisis, the National Credit Act and deteriorating economic outlook. Though the rate of home loan declines were down slightly, 1.4 percent, it doesn’t really dent last month’s rate of 51 percent.The second indication of the poor property market is that potential homeowners are finding it increasingly difficult to get financing for their properties.

Another reason that banks are clamping down on their lending is because of the increasing number of late payments by homeowners. In just the third quarter of the present year, loans that were more than two months late increased by 21.5%.

What is a potential homeowner to do in this market? It is important to note that decline rates vary from one bank to another, so take the time to try applying with other banks before you give up completely.

Another must, a sound credit rating. It is no longer enough to have a steady paycheck. Home loan applicants must be able to prove that you can make your installment payments and that you have not been late or defaulted on any other payments for at least two years before making your home loan application.

Lenders are looking for stability in their borrowers, as evidenced through a good record of paying of credit card debt, hire purchase obligations and any other form of debt. A history that shows you have already successfully managed a home loan will also go a long way with lenders.

If your past is not the greatest, it is beneficial to be honest. If you had problems in your credit history lenders appreciate when a borrow states the truth instead of lying. Also, if you open a savings fund in order to gain a home deposit fund, you are showing signs of serious financial obligation. Yet, dig into details because the average deposit requirements stands at 10 percent, but varies in different banks.

The maximum your monthly installment should be is 30% of your total income, and it is better if it is less. Banks won’t give you a second look if you don’t meet this prerequisite.

When thought about all in one, the property market today is one filled with great amounts of frustration. In one corner you have sellers that are having a difficult time finding someone to buy their home, and may be forced to reduce their prices, which works out quite well for the buyer. Although it is getting increasingly harder for buyers to secure financing.

As a potential buyer, it is really worth your while to explore every avenue to get a home loan as long as you can afford the payments and your job is stable enough to allow the commitment.

Tom Martens is the content coordinator for South Arica’s leading Homeloans portal which amongst others offers origination services for ABSA home loans

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Some Notes Concerning Mortgages And Remortgages.

For most people the desire to actually own the property in which they live is a strong one, and to enter the property owning market the first consideration is the applying for a mortgage, unless the individual is well heeled.

Unfortunately there are not many so well heeled people about, and therefore for the vast majority of people a mortgage is essential.

When considering making your first venture to get your foot on the property ladder it can be a good idea to approach a specialist mortgage broker who can present you with a choice of all the mortgage products that are available to you.

For homeowners wanting to move to their second or subsequent property, a mortgage broker can still be the best person to help them present them with their mortgage choices.

There is such a variety of not only mortgage products out there but also remortgages as well. Remortgages are only available to existing homeowners.

There is a vast number of lenders granting thousands of different mortgage and remortgage products.

One of the most important factors in determining the interest rate for either a mortgage or a remortgage is the available equity on the property concerned.

The greater the equity the lower the rate. Equity is the difference between the property value and the mortgage or remortgage required.

Mortgages and remortgages come in all varieties including giving the choice of both tracker mortgages and remortgages and their fixed rate cousins.

Tracker mortgages and remortgages as the name implies follow something and what this something is is the Bank Of England base lending rate which at the moment is at an all time low of half of one percent.

For those who have an available loan to value of 60% maximum interest rates starting at 1.98% are available.

Fixed rate deals are more expensive and the choice of which product is best is up to the prospective borrower to decide, but in these uncertain times a fixed rate lets you know how much you will pay each month for the next few years.

Learn more about mortgages. Stop by Champion Finance’s site where you can find out all about mortgage and what it can do for you.

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Use A Budget To Help Your First Real Estate Purchase

Real estate is often one of the most important decisions in your life, because of its relatively high price. If you are filthy rich, you are not in a position to be that a large sum of money in exchange for property. Often, people will look at the bank to help finance their investments in real estate. Still, the bank or credit cards expect their legs begin five to twenty percent as a backup. If you were always worried that the call comes to your problem solved.

Budgeting is a form of money management. You will have to be completely truthful on how you analyze your income and expenses. It encourages you to live with a prudent lifestyle by pointing out to you the wasteful expenditures in your spending habits. But it requires a systematic approach. The place to start is usually your past bills and expenses.

In addition to guide your spending behavior, budgeting can be a handy tool when you plan to save money for your intended home purchase.It is always difficult to save money as advertisements after advertisements try to influence you buying their products. And so often you get caught in life situations which prompted you to spend more. You know you have to find a way.

Simply put you are able to spend money because you have incomes into your bank. And we no longer live a lifestyle that is entirely self-sufficient without money changing hands. That is just the reality of life. The smart thing to do is to distinguish the many expenditures types and spend wisely. There are fixed expenses that we cannot turn away from like rent and electricity bills but there are other expenses that we can work on.

Admit it; you are guilty of over-indulging yourself. Need a proof? How often you find items that you bought ended up being thrown away as you have no need for them. Spend money on the things that you really require and don’t spend money on impulse. You may be impressed by the latest, state of the art, multimedia laptop that comes with multiple HDMI inputs. But your sound system and your personal computer at home are servicing you just nicely. Don’t be tempted. Consciously make this a habit and you will find your saving grows.

Plan how you spend your income for the time and never in a position to spend too much. Decide on the amount of money that you put aside to buy a property. Will miss some of the little funs it with a cut-down budget. But always remember that the work on his first property, lost, and it is worth nothing compared to this goal.

Always have a clear mind about all your incomes and compensations. Once you write that down on a piece of paper, start figuring out all expected expenses to be paid on that month. Again fill in all these expenses on the same piece of paper alongside the incomes. After that, put into the worksheet that targeted savings for the property purchase on the same column as expenses. This will represent your roadmap on how you run your life for the next one month, as far as spending money is concerned.

Make a habit of sticking to your budget and you will realize your dream of owning that piece of property quickly.

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Starting A Real Estate Wholesaling Business From Scratch

The Maestro is about to drop some knowledge on ya. Look, if I were just starting my new real estate wholesaling business, I’d start off exactly like this. This is important, so take your eyes off of the TV for a second and pay attention.

1. Find Your City’s Wholesale Real Estate Buyers

Sounds pretty easy, right? Uh… not so fast, my friend. Look, a lot of things appear easy, but that doesn’t mean it will be. If you truly want to know who is buying up real estate in your area, you need to be proactive. They’re not exactly going to be kicking your door in. You need to go find them…

Here is what you do… first. One, get on the horn and buy yourself 100 blank, white, 24 x’ bandit signs, with metal stakes. These are available all over the web. Just Google “blank bandit signs.” My recommendation? Contact whichever company you choose by phone. I get my signs from Sign Warehouse (signwarehouse.com). And speaking to a sales rep sometimes has perks, like discounts and/or free shipping. My rep, Stephanie Johnston, used to hook me up all the time. she’s the best.

Ok, you’ve got your 100 signs in. Now, take 30 of those signs, and write this on them:

$.30 on the dollar! must sell now!! (local # from patlive.com)

Heck, if you wanted to put 50 out, that would be just fine. Why $.30 on the dollar? Because that’s a really, really good deal… in most parts of the country. Now, if you live in parts of Michigan or Ohio, that may not work for you. But, for just about every other locale in the U.S., it will. And like gold…

Why “must sell right now?” Because that gives the perception that the buyer must act… fast… if he wants the deal. The property could be in foreclosure. The property could just be a great deal. Whatever the reason, he needs to act quickly if he wants to get it.

Why use an untraceable local phone number from patlive.com? Because in most American cities, bandit signs are illegal. And, unless you want the po po, or your city’s local code enforcement, calling you, you better have an untraceable number. And they won’t be calling to buy your property. They’ll be calling to threaten, and possibly issue, fines. If they can’t find you, they can’t fine you. And patlive.com works like a charm.

Ok, so you have your 30 signs out advertising a fake property. What next? You begin fielding calls. What? You don’t think 30 bandit signs will make your phone ring? It will if you’re advertising a deal for $.30 on the dollar. That’s for sure. Ok, they call, get your voice mail and leave you a message. You call back and say…

“Hi Mr. Buyer. This is Joe Schmoe. I received your message you left about my property. Well, you’re not going to believe this. One hour after putting those bandit signs out, I received a contract on the property and a deposit. I mean, I was actually fielding calls while I was still putting the signs out! However, as soon as I get another great deal, which won’t be long, I’ll personally call you BEFORE I market it to the public. That sound good to you? Cool, let me get your contact info, and I’ll be in touch soon. You’re now on my VIP buyers list.”

And that’s that. Now, is that too difficult for ya?

“But Maestro, I’ve used bandit signs before and they didn’t work. I can’t believe 30 signs will make my phone ring like that.”

Uh… yes, I am. And try them again. Listen, what I just told you to do didn’t just get pulled from the air. It’s a tactic I use with my students… and not because it doesn’t work. Have faith, grasshopper. The Maestro’s got you covered…

Ok, so you’ve got a bunch of new buyers on your short, but active, buyers list. BTW, you don’t need 100+ buyers. All you need is 5 to 10 active, cash buyers. That’s it. And you know these people intimately. The rest you put in an email database and blast to when you get a property that your real buyers pass on…. as a last resort.

Now, get on the internet and find your local real estate investment association (REIA). Here in Tampa, we have two, and they are huge. Find the closest one to your house and go to a meeting. I don’t think you have to be a member to attend, but you will have to pay. Should be cheap, though. Use the time after the meeting is over to shake hands, exchange business cards and express your interest in finding cash buyers. And, if you desire, join the group and become a member. Again, it’s not that expensive.

Success Tip 1

We’re in this business to help people and to make money. Remember that.

Success Tip 2

If you meet a wholesaler who has active buyers, but won’t give them up, take his card or contact information and let him know you’ll be contacting him to possibly sell your properties. He won’t mind. He’ll be making easy money…

Success Tip 3

When you have your VIP buyers list, YOU can broker the sale of a property… and make some nice cash… for doing almost nothing.

Success Tip 4

Remember success tip 1.

So, now that you have the buyers, what’s to come of the other 70, or so, bandit signs?

2. You locate your city’s distressed sellers

Well, you’ve got the buyers, now it’s time to bring them some deals. Take those 70 signs and write this on them:

I’ll buy your house CASH! (patlive.com number)

Make sure you have two local numbers. Some like to use one number, with two options. Like, “If you’re looking to sell your house, hit 1. If you’re looking to buy a house, hit 2.” I’ve never been a huge fan of that, though. I like the two-number system, better.

Remember, placement is important. You want tons of eyes on these signs, but you also want to place them in areas you want to buy. Find places that match those two criteria and stick them in the ground. Make sure they are at places where cars stop. No highway medians.

And while you are fielding leads from those 70 signs, you should be thinking of more ways to find buyer and deals. However, what I just described to you will definitely give your business a kick in the pants right off the bat. It will give you tons of momentum. And momentum is HUGE in wholesaling. If you’re lazy… it will become habit. If you’re aggressive… that will become habit, also. And, the money you make will become addictive.

Keep the faith… grasshopper.

Andrew Massaro is the country’s top wholesale real estate coach to the new investor. For coaching services, visit http://tinyurl.com/ygf97l7. He is also the author of the wildly successful e-book, Quick Flips and Fast Cash real estate investing.

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