Person of the Week: Jeffrey Hayzlett – Business – Leadership

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Two years ago, Carol and I were watching the Celebrity Apprentice TV Show. As usual, I was about half interested in the show and half interested in a magazine I was reading. At the end of the show a preview appeared and I heard the announcer say the name Jeffrey Hayzlett. I thought to myself I know that name. At least I thought I did.

I knew a Jeff Hayzlett – not a Jeffrey. Nevertheless I went into the search mode and after a couple of searches I realized that “Jeffrey Hayzlett – a.k.a Jeff, is the same Jeffrey Hayzlett that I knew from Warner Robins, GA. Small World.

Jeff’s younger brother Billy and I were best friends in junior high school. I remember Jeff from there. As I recall, he was a tall skinny kid with a great smile and he had knack for attracting the pretty girls at our school. He was a good football player too. Jeff always had a smile on his face and he was one of those people that you knew was going to “do things in life”.

I must say that I didn’t recognize him when I saw him on the show. After the 9th or 10th grade Jeff moved. Moving in 1978 is a lot different from moving in 2010. There wasn’t a Facebook or a Myspace to keep in touch – I don’t even think there was email.

I found Jeff’s profile on Facebook about a year ago when I signed up for an account. I was hesitant at first to friend request him, it had been so many years since I saw him. He accepted my request and I was not only able to reconnect with Jeff, but also with Billy and their sister Susan.

I have followed Jeff’s accomplishments and his career highlights. He has achieved much success throughout his career. He has written a book called “The Mirror Test” that is a best seller. “The Mirror Test’ is listed on the Amazon 100 list and the book reviews have been fantastic.

What I admire the most about Jeff is his approach to business and to life. He is a person that is “out there” and “in your face”. Jeff’s not afraid to take chances and the excitement he displays for the projects he is working on is genuine.

I am attaching his bio from his publicist Mark Bonacorso for you to read. This week’s “Person of the Week” is Jeffrey Hayzlett.

JEFFREY W. HAYZLETT

Author, Thought Leader, & Cowboy

Jeffrey Hayzlett served as the Chief Marketing Officer, to one of the most iconic world brands, Kodak, where he helped to lead one of the biggest turnarounds in business history. Named by Forbes Magazine, as the “Celebrity CMO,” for his numerous television and public appearances, Mr. Hayzlett was responsible for the Kodak’s worldwide marketing operations including the design and implementation of all marketing strategies, investments, policies, and processes. He led the company’s efforts for Strategy and Planning, Marketing Programs, Marketing Network Operations, Brand Development and Management, Business Development, and Corporate Sponsorships. He was also responsible for the company’s Corporate Communications, Public Relations and Public Affairs organizations.

Hayzlett is the author of the best selling book entitled, “The Mirror Test” and speaks frequently around the world on business growth, communications, and marketing, including keynotes at events such as The Economist Marketing Summit, adTech, THE Conference on Marketing, the 140 Character Twitter Conference, CMO Summits, Mobile Marketing Forum, Digital Life Design Conference, Photo Marketing Association Conference, Direct Marketing Association Leadership Forum, and National Postal Forum. He is cited as a leading marketing expert in numerous books, magazines, and newspapers worldwide, and is a frequent television guest and commentator, having appeared on shows including CNBC’s The Big Idea with Donny Deutsch, Fox Business News, and NBC’s Celebrity Apprentice with Donald Trump.

He has received numerous global marketing and business awards and honors, including the Frost & Sullivan Lifetime Achievement Award for marketing. He was named “Business to Business Marketer of the Year” by BtoB Magazine and “Direct Marketer of the Year” by the University of Akron Taylor Institute for Direct Marketing. In 2008, Mr. Hayzlett was inducted into the College of Business Administration Direct Marketers Hall of Fame. In June 2009, he was awarded the prestigious “G.D. Crain Jr. Award for Marketing Excellence” and inducted into the BMA Hall of Fame at the Business Marketing Association’s annual conference. Previously, the U.S. Small Business Association named him “Entrepreneur of the Year.”

In the graphic arts industry, Mr. Hayzlett has been honored as the International Business Person of the Year Award by the International Printers’ Network (IPN); received The British Association for Print and Communication (BAPC) Honorary Life Member award; was given the National Association of Quick Printing (NAQP) Industry Award of Distinction; and most recently was awarded the prestigious Earl I. Sundeen Award from the International Graphic Arts Education Association (IGAEA).

Mr. Hayzlett currently sits on the Business Marketing Association (BMA) board of directors and is a past chairman of BMA. He is a member of the advisory board of the CMO Council, chairman of the Sales and Marketing Executives International (SMEI) Foundation for Marketing Education, a permanent trustee of the SMEI Academy of Achievement Sales and Marketing Hall of Fame, and a two-term past chairman of SMEI. He serves on Sales & Marketing Management Magazine’s 2009 Editorial Advisory Board. Mr. Hayzlett remains a trustee of Pi Sigma Epsilon National Education Foundation, an international sales and marketing fraternity.

Mr. Hayzlett has years of international marketing, sales, and customer relations management experience. He joined Kodak in April 2006 as Chief Marketing Officer and Vice President of the Graphic Communications Group (GCG). In this role, he was responsible for leading all marketing activities for the business, including product positioning, segment marketing, branding, marketing communications, customer development, business research, marketing strategy, and business development activity. He became Chief Business Development Officer in September 2007 and CMO in November of 2008 and was responsible for Brand Development and Management, Market Development, Corporate and Product Public Relations, Communications and Public Affairs, Corporate Sponsorships, Business Development, Corporate Relationships and Partnerships, and Marketing.

Prior to joining Kodak, he led a private business development and public relations firm specializing in the technology and visual communications industries. He also held senior management positions in strategic business development and marketing at several companies, including Cenveo, Webprint, and Colorbus, Inc., and served in staff positions in the United States Senate and House of Representatives.

Increasing The Value Of Your Business The Smart Way – Business

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All too often banks, potential investors, and creditors will determine a company’s value based on financial statements. This is a mistake. Financials don’t come close to telling the true story. Sure, they present the tangible value. But what about the intangible value? Company valuation is emotional-a company is worth what an acquirer will pay, what the market will pay, what the interested parties perceive. We see evidence of this frequently when companies with a trickle of revenue are acquired for gushing millions or even billions of dollars.

Maybe you aren’t planning on raising financing, securing a credit line, being acquired, or one day going public. You still need to continually boost the value of your company. A higher-value company has more options. It gets the right partners, preferential terms, and often a more glorious future. There’s an art to value-boosting, and I am going to tell you how to do it. First, know the facts:

Company valuation is emotional.

Intangibles often matter more than tangibles.

You can’t build value if your business isn’t enticing.

You should always be selling: to financiers, customers, strategic partners, staff, and strangers.

I’ve used some or all of the following seven value-boosters to quintuple the value of my clients’ companies and my own. These value-boosters have also worked for companies such as Google (GOOG), Microsoft (MSFT), YouTube, and many, many more.

1. A killer team and a killer business plan.

2. A hot board of directors and/or advisory board.

3. Specific strategic alliances. An LOI (Letter of Intent) with a partner ain’t gonna cut it. You need a binding contract spelling out exactly what the terms of your deal are. Clarify how many widgets they will buy/distribute/co-market, the time period, as well as what happens if they default on the agreement.

4. New sales channels. Distributors, value-added resellers, outside sales forces, affiliates, joint-venture partners-all boost the value of your company. Of course, you’ll track the performance of your sales channels. Use the affiliate tools in your online shopping cart to track the performance of your online sale channels, and use your accounting system or sales force management software to track all others.

5. Product line extension. Let’s assume you sell a supercool widget. What’s next? Son of Widget? Platinum Widget? Widget Extraordinaire? Map out your future product lines so financiers, partners, and staff can see where you are headed and how you plan to get there.

6. Intellectual-property (IP) portfolio. Protect your corporate jewels! A patent portfolio can be worth gold. A friend of mine sold his company for $425 million (with about $30 million in trailing revenue) because he had locked in so many patents. That’s what the acquirer bought. They didn’t give a hoot about the business.

7. Compelling prototype of product. This is key when you’re in the zero or near-zero revenue range, as you’ll see below. People need to see/touch/feel what the product will be like. Then they can envision your fabulous future.

Consider this example. A professional services firm with an initial value of $2 million hired me to help boost its value. But the trouble with services firms is they are often valued at only revenue times one. Ick. So we beefed up the board and advisers (adding $1 million in value), helped nail down specific strategic alliances ($3 million), mapped out a line of “productized” services ($2 million), and developed new sales channels ($2 million). About six intense months later, the firm sought financing with a respectable pre-money valuation of $10 million. It closed the financing in three months.

Then there is the example of the Internet promotion company I started with no revenue. Before seeking financing, my team and I had to answer the question: How do you make an idea into a hot commodity? The solution consisted of pulling in a rocking team and coming up with a hot business plan (adding $1 million in value), developing a compelling product prototype ($1 million), locking in killer alliances ($1 million), and building an IP portfolio ($2 million). We took its value to $5 million in four intense, somewhat sleep-deprived months. Then we raised $2.5 million in financing with a pre-money value of $5 million, and a post-money value of $7.5 million. The $2.5 million invested bought one-third of the company.

Value is about potential. Potential today, potential tomorrow. The main reason you keep building value in your company, in all the tangible and intangible ways (and as I’ve shown you, the “intangible” ways often do have dollar values attached to them!), is because a high-value company gets the financing it wants on the terms it wants. It also gets multiple acquisition offers at fabulous terms. The high-value company gets the alliances, the staff, and the opportunities it wants, too.

Remember, you are selling the future as you are selling the present. The present must look promising for the future to be potentially glorious. What are you doing to boost the value of your company today?

Appliances wonderful event commentary week in and week (second week of the month) – household electr – Business

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Events: Home Appliances Corporate relief Comments: Beijing at 2:28 p.m. on May 12th, 2008, occurred in Wenchuan County in Sichuan 7.8 (later revised to 8) earthquake. Magnitude of the giant and even spread to half of Asia, the disaster areas of life and property would suffer huge losses. Community initiated the donation of the people in stricken areas, the household electrical appliance enterprises have also given their own love. In addition to domestic appliances enterprises, foreign enterprises are generously appliances, closing on May 16 at 18:00, and contributed a home appliance company has nearly 200 million yuan, we are not only concerned about the deep feelings of love that string of cheerful figure, more Each and moved in behind the numbers beating heart. In this caring and responsibility for these consumer electronics companies to pay tribute! Events: Triple Trading Company Dispute settled equity Comments: May 16, suffering from attention to the triple trading com pany stock auction finally ended, triple shot back equity group to take the initiative, firmly installed in the Er Dangjia the place. The auction price of 14.9 yuan / share, higher than the previous auction price of 0.1 yuan per share. Why Triple Group to the last auction price higher than the price shot back stock? Triple group involved in the bidding say the price is too low, triple trading company’s shares can not be sold to fraudsters. Equity settled, may mean that the country the United States and Zhang Jisheng in the home appliance chain began a new round of commercial contention. Of course, the future direction of more triple trading company depends on the largest shareholders of the United States. Event: Japan Yamada Electric landing in China Comment: Recently, news that Japan’s largest electrical discount stores, “Yamada Electric” will visit the Chinese market. Yamada Electric plans to set up in China by 2010, the first store. Manufacturers of domestic appliances an d home appliances chain reacted cautiously, saying that “remains to be seen.” As Yamada electrical and States United States Suning The sales model is the same, so after their entry into the Chinese market than Best Buy or even greater impact. However, the present form of the market, the development of the Chinese home appliance chain has become more mature, Yamada electrical effects come to be seen, the key is to look at Yamada Electric choose what kind of way to enter the Chinese market. Events: the U.S. airborne Little Swan Group executives Comments: The company’s largest shareholder Midea executive board has collective airborne Little Swan, Midea, chairman Fang Hongbo became the new chairman of Little Swan A, Li Li, Chairman of the board of supervisors. Industry insiders, Little Swan, Midea A board of directors in the arrangement of key personnel, the U.S. electrical restructuring of the small Swan A taken the first step. Little Swan brought face integration challenges, t he Fang Hongbo’s personal office is no doubt reflects the beauty of the integration of Little Swan’s determination that this move is bound to speed up the beauty of integration and small swans.

Microsoft has put a hardware veteran in charge of its interactive TV business – Computers – Software

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Microsoft has put a hardware veteran in charge of its interactive TV business, suggesting that the company is working on an answer to Google TV and Apple TV.Tom Gibbons headed Microsoft Hardware — keyboards and mice, which was a small but profitable business for years — before joining the Windows Phone team in 2009.There, he led the group that oversaw hardware reference designs for the Windows Phone 7 handsets. Those are the guidelines that dictate every Windows Phone must have three buttons, a particular type and size of touch screen, and so forth.Last week, his corporate bio got an update Gibbons is now the corporate VP in charge of Microsoft’s TV and Service business. The change was noticed by Microsoft-watcher Mary Jo Foley earlier today.Microsoft has been rumored to be working on some sort of new TV or video service since last fall. One report said the devices would run the Windows Embedded operating system overlaid with the Media Center interface and start around $ 200. They were supposed to debut at CES in January, but never showed up.With Gibbons now leading the charge, the company is probably trying to find hardware partners to build boxes to run the service — just like it did with Windows Phone 7. And just like Google initially did with Google TV./laptop-battery/toshiba-pa3534u-1bas.htm

Another possibility: Microsoft might try to work directly with TV makers to build the service directly into new TVs. Google has also taken this approach, along with many other video service providers.The company has had an awful history in the TV business, but some analysts think that its presence in the living room with the Xbox could help it dominate quickly. Microsoft also has strong relationship with Netflix, whose CEO Reed Hastings is on the company’s board of directors.

Read more: /laptop-battery/toshiba-pa3399u-2bas.htm

Steve jobs is magic of Apple – Business – Small Business

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Beijing time January 18 news, according to foreign media reports, apple CEO Steve jobs (SteveJobs) in apple as chief executive, relying on the unique style of during launch, and best-selling iPod, iPhone, iPad and Mac etc, make him a household celebrity, but also changed the pattern of personal computers.

Many apple fans and investors say jobs irreplaceable status at the apple. Steve jobs said on Monday, with the focus on his will para health problems.

In previous during the illness, what jobs still attend conferences, introduced a new apple product, gaunt, this also because from apple users, employees and analysts speculation.Jobs after 12 years in leave apple for apple to inject the vitality. Thanks to the passion of product design, Steve jobs introduced the iPod digital music player fashion. Since 2001, apple released the first iPod since more than 2.5 billion handsets sold iPod.

Nomura securities (Japanese Nomura) global technology expert Richard Windsor (RichardWindsor) said on Monday, industry thinks, what jobs is the main character of the guiding apple strategy. But in recent years, the health and leadership on jobs, has endanger jobs questioned has achieved, affect his future.

Since jobs in 2004 to accept treatment, pancreatic cancer for the first time in 2009 because of sickness leave. Steve jobs said his health problems than previously claimed hormonal disorders more complicated. Massive media questioned, what jobs complex health whether with previous cancer. Steve jobs since then said he received a liver transplant.

Some analysts predict that jobs should prepare for leaving office, will probably handed over power to his successor, the successor may be apple COO Tim cook (TimCook). Cook in previous jobs due to illness during the vacation is responsible for the company’s day-to-day operations.

Change the worldSteve jobs is a buddhist, at the age of 17 reed university, students dropped out of. He in 1970 and friend Steve wozniak (SteveWozniak located in silicon valley home) garage AppleComputer company was established.

The company soon launched Apple1 computer. But until AppleII, company just launched huge success and become a pivotal PC market at the manufacturers, the company in 1980, make jobs the IPO every became a multi-millionaire.

Jobs in 1983 to saying, “you are willing to sell a lifetime? Or want to change ShuiEr sugar to the world?”

(DoyouwanttospendtherestofyourlifesellingsugaredwaterordoyouwantachanceTochangetheworld? ) Will Pepsi CEO John scarlett (JohnSculley), let the gathered to company responsible for the company’s operations.Company in 1 years with easy-to-use graphic user interface, successfully launched the world’s first commercial computer Macintosh. Although the Mac computer great success, but Steve jobs and scarlett begin to deteriorate, the relationship between the board of directors of the company in 1985, cancelled most of the jobs, jobs and leave the company power, except the left spurts of tickets held by closed out jobs all company stock.

Jobs after leaving apple was established in NeXT, apple then acquired NeXT, what jobs in 1997 to return to apple, at the end of the year, apple CEO Steve jobs be temporary. Jobs in 2000 was appointed apple CEO.In 1986 a jobs with $10 million Lucasfilm animation studio acquired under, and Edwin carter Moore (EdwinCatmull) and elvis ray Smith (AlvyRaySmith), established the Pixar animation studios (Pixar). Launched in 1995 Pixar global first 3D animation film the toy story (ToyStory).

Disney’s Pixar, jobs in 2006 acquisition of board members, then become Disney and its largest individual shareholder.

Why the U.S. Housing Market Can?t Recover – Finance – PersonalFinance

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By Michael Lombardi, MBA

Despite what the popular media may be preaching now, the U.S. housing market is more than just upside down.

The American dream, at least as I remember it, always included owning one’s own home. It’s where the family would experience their fondest memories.

Until the credit bubble began in 2001-2002, the U.S. housing market was also a stable place to invest money, as it appreciated in the low single digits on average annually over the prior decades. Like owning a long-term government bond: consistent and reliable.

Since the now infamous housing bust of 2007, things have changed dramatically. With the U.S. housing market, the persistent environment of falling prices and home foreclosures has shifted people over to renting instead.

The apartment vacancy rate in the U.S. fell to 5.2% in the fourth quarter of 2011, a 10-year low, and the lowest level in 10 years! This in turn sent the average monthly rent up 2.3% in 2011, to an average of $1,009 nationally (source: Reis Inc.).

Rising home foreclosures have forced families into renting, and stricter mortgage-lending standards have forced those who would rather have a home, to rent as well. No one wants to experience home foreclosure.

Some private-equity and hedge-fund money has found its way to the courthouse steps of the home foreclosures auctions. These companies buy these homes on the cheap, contact the owner of the foreclosed home, and negotiate a rental agreement with the family. In most cases, it’s a win-win for everyone involved. The firm makes money and the family remains in the home, albeit as a renter instead of an owner. This is one way to stabilize the U.S. housing market.

The idea has gained traction. In the first week of the New Year, the Federal Reserve outlined how such a program could work for Fannie Mae and Freddie Mac. Considering that the Federal Reserve Bank estimates that home foreclosures in the U.S. could rise to 1.8 million homes in each of the next two years, Fannie and Freddie could launch pilot programs as early as February in order to help stabilize the U.S. housing market.

For the second year in a row, the stocks of the self-storage companies were the best performing sector of the real-estate investment trusts (REIT). According to the Dow Jones All REIT Equity Index, which was up eight percent for 2011, the self-storage stocks climbed 35.4% in 2011.

Companies like Extra Space Storage, Inc. (NYSE/EXR) and Public Storage (NYSE/PSA) increased their rental rates and experienced few empty storage units. The increase in business over the last two years was due to the rise in home foreclosures in the U.S. housing market, which has forced families to downsize into smaller rental housing.

I believe the U.S. real estate market will continue to be a very difficult place to be in 2012, save possibly for the self-storage companies. However, you should be careful; they’ve had a tremendous run already.

Who would have thought, even 10 years ago, that the American Dream would be reduced to renting your home and stuffing the balance of your memories in a storage locker?

My personal opinion is that the U.S. housing market is dead for years to come. Why don’t I believe it’s bottoming out? My concern–and what no one is talking about–is rising interest rates.

The mass home foreclosures in the U.S. to this point are the result of home prices declining and the mortgages on those homes being worth more than the homes. My concern is that, after a 25-to-30-year down cycle on interest rates, inflation will push interest rates higher in the next cycle. We are at the bottom of the interest rate cycle. The next multi-year cycle of interest rates is in the opposite direction–up. This will devastate any recovery in the fragile U.S. housing market. (See also: 2012 U.S. Housing Market Price Forecast.)Where the Market Stands; Where it’s Headed:

For stock traders, 2012 has started off terribly. The Dow Jones Industrial Average is up 1.7% for the year so far. If we look at the stock market’s action during January, we note that the Dow Jones Industrial Average has been confined to a trading range of 200 points since the beginning of the year. Traders make money during big market swings, not during narrow trading ranges like we have experienced so far this year.

For average investors like myself and my readers, thus far, it’s been mediocre for 2012; the bear market rally lingers on, although tired. A massive top is being put in for stocks. But the bear market rally that started in March of 2009 still has some leg left.

What He Said:

“Even the most novice investor can now read the chart of the Dow Jones U.S. Home Construction Index and see that it is trading at its lowest level in five years. If, like me, you believe that stocks are an indication of what lies ahead, this important index is telling us that housing prices are headed to 2002 levels! What would that do to the economy? Such an event would devastate the U.S.” Michael Lombardi in PROFIT CONFIDENTIAL, December 4, 2007. That devastation started happening in the first quarter of 2008.

Why the U.S. Housing Market Can?t Recover – Finance – PersonalFinance

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By Michael Lombardi, MBA

Despite what the popular media may be preaching now, the U.S. housing market is more than just upside down.

The American dream, at least as I remember it, always included owning one’s own home. It’s where the family would experience their fondest memories.

Until the credit bubble began in 2001-2002, the U.S. housing market was also a stable place to invest money, as it appreciated in the low single digits on average annually over the prior decades. Like owning a long-term government bond: consistent and reliable.

Since the now infamous housing bust of 2007, things have changed dramatically. With the U.S. housing market, the persistent environment of falling prices and home foreclosures has shifted people over to renting instead.

The apartment vacancy rate in the U.S. fell to 5.2% in the fourth quarter of 2011, a 10-year low, and the lowest level in 10 years! This in turn sent the average monthly rent up 2.3% in 2011, to an average of $1,009 nationally (source: Reis Inc.).

Rising home foreclosures have forced families into renting, and stricter mortgage-lending standards have forced those who would rather have a home, to rent as well. No one wants to experience home foreclosure.

Some private-equity and hedge-fund money has found its way to the courthouse steps of the home foreclosures auctions. These companies buy these homes on the cheap, contact the owner of the foreclosed home, and negotiate a rental agreement with the family. In most cases, it’s a win-win for everyone involved. The firm makes money and the family remains in the home, albeit as a renter instead of an owner. This is one way to stabilize the U.S. housing market.

The idea has gained traction. In the first week of the New Year, the Federal Reserve outlined how such a program could work for Fannie Mae and Freddie Mac. Considering that the Federal Reserve Bank estimates that home foreclosures in the U.S. could rise to 1.8 million homes in each of the next two years, Fannie and Freddie could launch pilot programs as early as February in order to help stabilize the U.S. housing market.

For the second year in a row, the stocks of the self-storage companies were the best performing sector of the real-estate investment trusts (REIT). According to the Dow Jones All REIT Equity Index, which was up eight percent for 2011, the self-storage stocks climbed 35.4% in 2011.

Companies like Extra Space Storage, Inc. (NYSE/EXR) and Public Storage (NYSE/PSA) increased their rental rates and experienced few empty storage units. The increase in business over the last two years was due to the rise in home foreclosures in the U.S. housing market, which has forced families to downsize into smaller rental housing.

I believe the U.S. real estate market will continue to be a very difficult place to be in 2012, save possibly for the self-storage companies. However, you should be careful; they’ve had a tremendous run already.

Who would have thought, even 10 years ago, that the American Dream would be reduced to renting your home and stuffing the balance of your memories in a storage locker?

My personal opinion is that the U.S. housing market is dead for years to come. Why don’t I believe it’s bottoming out? My concern–and what no one is talking about–is rising interest rates.

The mass home foreclosures in the U.S. to this point are the result of home prices declining and the mortgages on those homes being worth more than the homes. My concern is that, after a 25-to-30-year down cycle on interest rates, inflation will push interest rates higher in the next cycle. We are at the bottom of the interest rate cycle. The next multi-year cycle of interest rates is in the opposite direction–up. This will devastate any recovery in the fragile U.S. housing market. (See also: 2012 U.S. Housing Market Price Forecast.)Where the Market Stands; Where it’s Headed:

For stock traders, 2012 has started off terribly. The Dow Jones Industrial Average is up 1.7% for the year so far. If we look at the stock market’s action during January, we note that the Dow Jones Industrial Average has been confined to a trading range of 200 points since the beginning of the year. Traders make money during big market swings, not during narrow trading ranges like we have experienced so far this year.

For average investors like myself and my readers, thus far, it’s been mediocre for 2012; the bear market rally lingers on, although tired. A massive top is being put in for stocks. But the bear market rally that started in March of 2009 still has some leg left.

What He Said:

“Even the most novice investor can now read the chart of the Dow Jones U.S. Home Construction Index and see that it is trading at its lowest level in five years. If, like me, you believe that stocks are an indication of what lies ahead, this important index is telling us that housing prices are headed to 2002 levels! What would that do to the economy? Such an event would devastate the U.S.” Michael Lombardi in PROFIT CONFIDENTIAL, December 4, 2007. That devastation started happening in the first quarter of 2008.

Why the U.S. Housing Market Can?t Recover – Finance – PersonalFinance

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By Michael Lombardi, MBA

Despite what the popular media may be preaching now, the U.S. housing market is more than just upside down.

The American dream, at least as I remember it, always included owning one’s own home. It’s where the family would experience their fondest memories.

Until the credit bubble began in 2001-2002, the U.S. housing market was also a stable place to invest money, as it appreciated in the low single digits on average annually over the prior decades. Like owning a long-term government bond: consistent and reliable.

Since the now infamous housing bust of 2007, things have changed dramatically. With the U.S. housing market, the persistent environment of falling prices and home foreclosures has shifted people over to renting instead.

The apartment vacancy rate in the U.S. fell to 5.2% in the fourth quarter of 2011, a 10-year low, and the lowest level in 10 years! This in turn sent the average monthly rent up 2.3% in 2011, to an average of $1,009 nationally (source: Reis Inc.).

Rising home foreclosures have forced families into renting, and stricter mortgage-lending standards have forced those who would rather have a home, to rent as well. No one wants to experience home foreclosure.

Some private-equity and hedge-fund money has found its way to the courthouse steps of the home foreclosures auctions. These companies buy these homes on the cheap, contact the owner of the foreclosed home, and negotiate a rental agreement with the family. In most cases, it’s a win-win for everyone involved. The firm makes money and the family remains in the home, albeit as a renter instead of an owner. This is one way to stabilize the U.S. housing market.

The idea has gained traction. In the first week of the New Year, the Federal Reserve outlined how such a program could work for Fannie Mae and Freddie Mac. Considering that the Federal Reserve Bank estimates that home foreclosures in the U.S. could rise to 1.8 million homes in each of the next two years, Fannie and Freddie could launch pilot programs as early as February in order to help stabilize the U.S. housing market.

For the second year in a row, the stocks of the self-storage companies were the best performing sector of the real-estate investment trusts (REIT). According to the Dow Jones All REIT Equity Index, which was up eight percent for 2011, the self-storage stocks climbed 35.4% in 2011.

Companies like Extra Space Storage, Inc. (NYSE/EXR) and Public Storage (NYSE/PSA) increased their rental rates and experienced few empty storage units. The increase in business over the last two years was due to the rise in home foreclosures in the U.S. housing market, which has forced families to downsize into smaller rental housing.

I believe the U.S. real estate market will continue to be a very difficult place to be in 2012, save possibly for the self-storage companies. However, you should be careful; they’ve had a tremendous run already.

Who would have thought, even 10 years ago, that the American Dream would be reduced to renting your home and stuffing the balance of your memories in a storage locker?

My personal opinion is that the U.S. housing market is dead for years to come. Why don’t I believe it’s bottoming out? My concern–and what no one is talking about–is rising interest rates.

The mass home foreclosures in the U.S. to this point are the result of home prices declining and the mortgages on those homes being worth more than the homes. My concern is that, after a 25-to-30-year down cycle on interest rates, inflation will push interest rates higher in the next cycle. We are at the bottom of the interest rate cycle. The next multi-year cycle of interest rates is in the opposite direction–up. This will devastate any recovery in the fragile U.S. housing market. (See also: 2012 U.S. Housing Market Price Forecast.)Where the Market Stands; Where it’s Headed:

For stock traders, 2012 has started off terribly. The Dow Jones Industrial Average is up 1.7% for the year so far. If we look at the stock market’s action during January, we note that the Dow Jones Industrial Average has been confined to a trading range of 200 points since the beginning of the year. Traders make money during big market swings, not during narrow trading ranges like we have experienced so far this year.

For average investors like myself and my readers, thus far, it’s been mediocre for 2012; the bear market rally lingers on, although tired. A massive top is being put in for stocks. But the bear market rally that started in March of 2009 still has some leg left.

What He Said:

“Even the most novice investor can now read the chart of the Dow Jones U.S. Home Construction Index and see that it is trading at its lowest level in five years. If, like me, you believe that stocks are an indication of what lies ahead, this important index is telling us that housing prices are headed to 2002 levels! What would that do to the economy? Such an event would devastate the U.S.” Michael Lombardi in PROFIT CONFIDENTIAL, December 4, 2007. That devastation started happening in the first quarter of 2008.

Take A Look At The Top 10 Internet Franchises And Realize Your Potential To Work From Home – Entertainment

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Take A Look At The Top 10 Internet Franchises And Realize Your Potential To Work From Home

Almost half of the nation’s business owners work from home, according to the U.S. Census Bureau in 2002. Moreover, internet franchises offer not only the benefits of working from home, but also the opportunity to communicate with the click of a mouse.

There are many franchisors offering the benefit of working from a home-based office. With these business franchises, the franchisee has all the perks of a home-based income as well as the personal satisfaction of meeting with clients face-to-face or even traveling around the world!

For those looking for a franchise business completely managed in-home, there are several prospects that are strictly work from home Internet franchises. With franchises like these, the franchisee is not required to conduct any business apart from the comfort of a home office. Whichever you prefer, there are several franchise opportunities available to the aspiring entrepreneur. Here are the top 10 work from home internet franchises:

#1 Internet MarketingThis rapidly growing industry is quickly dominating the marketplace. Because online purchases are soaring and continuing to increase each year, businesses are looking for internet marketing teams to help get their websites noticed.

Furthermore, companies like AIS Media are offering franchisees the chance to profit from a growing e-commerce industry. AIS Media specializes in developing interactive websites for small businesses looking to market their products and services online. As a business franchise, you supply website design or redesign, email marketing, search engine optimization, web hosting, domain registration, business email, etc. Moreover, no technical background is necessary. Since most internet marketing franchise businesses are willing to provide all necessary training, a franchise opportunity in the e-commerce business is attainable to anyone with the motivation and ambition it takes to run a successful business.

#2 Advertising AgenciesFranchisors such as Advertising Consultants are using the internet to expand their agencies by allowing franchisees to work from home-based offices. The benefit to this type of franchise business is that it does not incur any costs associated with opening and operating new agency locations. Instead, agencies like Advertising Consultants are able to set up new units across the country or around the globe by allowing franchisees to work from home. For instance, New York City is home to several of the top advertising agencies in the business, which means that a person in Hot Springs, Arkansas who is serious about working for an agency must be prepared for a move to the Big Apple. With a work from home internet franchise, all you need is a computer, an internet connection and the training, which will most likely be provided.

#3 Billing SystemsThe healthcare industry is flourishing in many respects. But, you do not have to become a doctor or registered nurse to take advantage of this increasingly profitable industry. In fact, physicians and their staff members are overwhelmed with the paperwork it takes to operate even a small practice. Many are outsourcing this paperwork to medical billing specialists. In many cases, by operating a medical billing business franchise, you are afforded the sophisticated software programs, training, technical support and even marketing materials essential to launching a lucrative and successful home-based business.

#4 Internet ResearchThe research field may not seem like the most exciting industry available to franchisees; however, it is among the most profitable. In marketing and public relations, for example, research is a dominant facet that most marketing and public relations practitioners are weary of building their career upon. Of course, once they discover the potential financial benefits, they are more inclined to explore it. The same is true for internet research. Such research companies gather contact information about prospective clients for businesses. These companies are willing to pay for strategic research because their sales will increase quickly and significantly. Furthermore, human resource departments are using internet research to increase efficiency in the hiring process. Not only are they able to collect contact information, some research tools even help to distinguish passive candidates, those just browsing, from those actively seeking employment. Most often, f ranchisees have the option of working with clients currently belonging to the franchisor as well as any new clients they acquire.

#5 ATM FranchiseFew people keep large amount of cash in their wallets or purses. It is far safer to carry a bank card and get cash as needed, usually from an ATM. As ATM locations appear through the nation and the world, entrepreneurs are taking advantage of this franchise opportunity. Moreover, becoming a business franchise in this exciting industry does not require related experience. ACFN ATM, for instance, provides all necessary training and even qualified locations for your ATM franchise business. Currently, ACFN ATM is the only ATM franchise business in North America. With any growing business opportunity, those who get involved early gain access to untapped markets; thus, they are ahead of the competition and have a chance to earn more wealth.

#6 Promotional ProductsHave you ever looked in your kitchen cupboard and noticed that your most luxurious coffee mug came from your workplace? How about your favorite ink pen? Products such as these are “freebies” for employees, customers and even potential clients for big businesses. What many people do not consider is that these products are also advertising a particular organization. This innovative form of advertising has become a lucrative franchise opportunity for those seeking an internet franchise allowing them to work from home. While operating a business franchise from a promotional products company such as Adventures in Advertising (AIA), you have the opportunity to work with nonprofits, small businesses, schools, hospitals, human resource departments, etc. And, since the goods they purchase will be given away, repeat business is inevitable. Furthermore, franchisors like AIA offer training programs to prepare its franchisees for a successful run in the promotion al products industry.

#7 Financial CompaniesThis franchise opportunity is ideal for someone with an accounting or financial background, or someone with no such background at all! In either situation, the financial industry continues to expand, allowing entrepreneurs to venture into this industry with a business franchise. Whether franchising a global brokerage or leasing company, franchisors are prepared to educate and equip their franchisees with all the training and support tools necessary to manage a winning franchise business. For potential entrepreneurs with an interest in finance, there is a franchise opportunity that allows you to make this dream a lucrative reality while still working from your home office.

#8 Outdoor advertisingThere are many internet franchises focused on profiting from increasing online sales. A couple of the business franchises mentioned so far target this ever-increasing market. Still, traditional advertising media are not obsolete by any means. In fact, outdoor advertising is financially rewarding and still allows you to work from your home office. With no employees to hire or location to manage, you count more of your earnings as profit. Furthermore, training and support are provided by the franchisee. After all, your accomplishments contribute to your franchisor’s success.

#9 Travel AgenciesWhile most travel agencies require franchisees to operate units outside the home office, there are some who offer franchises to professionals looking to work from home. This type of business franchise relies mostly on communication via the internet and also over the phone. Moreover, many travel agency franchisors provide discounted travel to those who run one or more of their franchise businesses. If you are interested in the flexibility of a home-based income and traveling the world, this franchise opportunity is ideal.

#10 Healthcare StaffingOver the past several years, shortages in the nursing industry have only continued to increase. Nursing schools are flocked with students hoping to obtain a position in this money-making field. Fortunately, entrepreneurs stand to gain monetarily from the nursing shortage by operating a medical staffing business franchise. Staffing companies are responsible for bridging the gap between nurses looking for employment and hospitals in need of nurses. Traditional staffing companies have nurses who are basically on call for hospitals in their areas that need nurses at the last minute. For example, a hospital may contact a staffing company because several nurses are unable to work during a single shift, leaving the remaining hospital staff in a dire situation. A member of the staffing company then goes through a list of nurses until the number of scheduled nurses is back up to par.

With many work from home medical recruiting agencies, this model is taken to the next level. With this type of business franchise, you act as an agent for the healthcare practitioner. Furthermore, you also have the chance to build a team of healthcare recruiters working with you to increase the number of clients. How much work you undertake depends on the amount of time you wish to work in addition to the amount of money you would like to make.

With each franchise opportunity, you have the benefits of working from home, including flexible hours, lower cost investments, few or no employees, etc. Most importantly, experience is not required to participate in any of these business franchises. All you need is the self-discipline and motivation it takes to work from home successfully and the thorough research it takes to determine which internet franchise is meant for you.

Take A Look At The Top 10 Internet Franchises And Realize Your Potential To Work From Home – Entertainment

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Take A Look At The Top 10 Internet Franchises And Realize Your Potential To Work From Home

Almost half of the nation’s business owners work from home, according to the U.S. Census Bureau in 2002. Moreover, internet franchises offer not only the benefits of working from home, but also the opportunity to communicate with the click of a mouse.

There are many franchisors offering the benefit of working from a home-based office. With these business franchises, the franchisee has all the perks of a home-based income as well as the personal satisfaction of meeting with clients face-to-face or even traveling around the world!

For those looking for a franchise business completely managed in-home, there are several prospects that are strictly work from home Internet franchises. With franchises like these, the franchisee is not required to conduct any business apart from the comfort of a home office. Whichever you prefer, there are several franchise opportunities available to the aspiring entrepreneur. Here are the top 10 work from home internet franchises:

#1 Internet MarketingThis rapidly growing industry is quickly dominating the marketplace. Because online purchases are soaring and continuing to increase each year, businesses are looking for internet marketing teams to help get their websites noticed.

Furthermore, companies like AIS Media are offering franchisees the chance to profit from a growing e-commerce industry. AIS Media specializes in developing interactive websites for small businesses looking to market their products and services online. As a business franchise, you supply website design or redesign, email marketing, search engine optimization, web hosting, domain registration, business email, etc. Moreover, no technical background is necessary. Since most internet marketing franchise businesses are willing to provide all necessary training, a franchise opportunity in the e-commerce business is attainable to anyone with the motivation and ambition it takes to run a successful business.

#2 Advertising AgenciesFranchisors such as Advertising Consultants are using the internet to expand their agencies by allowing franchisees to work from home-based offices. The benefit to this type of franchise business is that it does not incur any costs associated with opening and operating new agency locations. Instead, agencies like Advertising Consultants are able to set up new units across the country or around the globe by allowing franchisees to work from home. For instance, New York City is home to several of the top advertising agencies in the business, which means that a person in Hot Springs, Arkansas who is serious about working for an agency must be prepared for a move to the Big Apple. With a work from home internet franchise, all you need is a computer, an internet connection and the training, which will most likely be provided.

#3 Billing SystemsThe healthcare industry is flourishing in many respects. But, you do not have to become a doctor or registered nurse to take advantage of this increasingly profitable industry. In fact, physicians and their staff members are overwhelmed with the paperwork it takes to operate even a small practice. Many are outsourcing this paperwork to medical billing specialists. In many cases, by operating a medical billing business franchise, you are afforded the sophisticated software programs, training, technical support and even marketing materials essential to launching a lucrative and successful home-based business.

#4 Internet ResearchThe research field may not seem like the most exciting industry available to franchisees; however, it is among the most profitable. In marketing and public relations, for example, research is a dominant facet that most marketing and public relations practitioners are weary of building their career upon. Of course, once they discover the potential financial benefits, they are more inclined to explore it. The same is true for internet research. Such research companies gather contact information about prospective clients for businesses. These companies are willing to pay for strategic research because their sales will increase quickly and significantly. Furthermore, human resource departments are using internet research to increase efficiency in the hiring process. Not only are they able to collect contact information, some research tools even help to distinguish passive candidates, those just browsing, from those actively seeking employment. Most often, f ranchisees have the option of working with clients currently belonging to the franchisor as well as any new clients they acquire.

#5 ATM FranchiseFew people keep large amount of cash in their wallets or purses. It is far safer to carry a bank card and get cash as needed, usually from an ATM. As ATM locations appear through the nation and the world, entrepreneurs are taking advantage of this franchise opportunity. Moreover, becoming a business franchise in this exciting industry does not require related experience. ACFN ATM, for instance, provides all necessary training and even qualified locations for your ATM franchise business. Currently, ACFN ATM is the only ATM franchise business in North America. With any growing business opportunity, those who get involved early gain access to untapped markets; thus, they are ahead of the competition and have a chance to earn more wealth.

#6 Promotional ProductsHave you ever looked in your kitchen cupboard and noticed that your most luxurious coffee mug came from your workplace? How about your favorite ink pen? Products such as these are “freebies” for employees, customers and even potential clients for big businesses. What many people do not consider is that these products are also advertising a particular organization. This innovative form of advertising has become a lucrative franchise opportunity for those seeking an internet franchise allowing them to work from home. While operating a business franchise from a promotional products company such as Adventures in Advertising (AIA), you have the opportunity to work with nonprofits, small businesses, schools, hospitals, human resource departments, etc. And, since the goods they purchase will be given away, repeat business is inevitable. Furthermore, franchisors like AIA offer training programs to prepare its franchisees for a successful run in the promotion al products industry.

#7 Financial CompaniesThis franchise opportunity is ideal for someone with an accounting or financial background, or someone with no such background at all! In either situation, the financial industry continues to expand, allowing entrepreneurs to venture into this industry with a business franchise. Whether franchising a global brokerage or leasing company, franchisors are prepared to educate and equip their franchisees with all the training and support tools necessary to manage a winning franchise business. For potential entrepreneurs with an interest in finance, there is a franchise opportunity that allows you to make this dream a lucrative reality while still working from your home office.

#8 Outdoor advertisingThere are many internet franchises focused on profiting from increasing online sales. A couple of the business franchises mentioned so far target this ever-increasing market. Still, traditional advertising media are not obsolete by any means. In fact, outdoor advertising is financially rewarding and still allows you to work from your home office. With no employees to hire or location to manage, you count more of your earnings as profit. Furthermore, training and support are provided by the franchisee. After all, your accomplishments contribute to your franchisor’s success.

#9 Travel AgenciesWhile most travel agencies require franchisees to operate units outside the home office, there are some who offer franchises to professionals looking to work from home. This type of business franchise relies mostly on communication via the internet and also over the phone. Moreover, many travel agency franchisors provide discounted travel to those who run one or more of their franchise businesses. If you are interested in the flexibility of a home-based income and traveling the world, this franchise opportunity is ideal.

#10 Healthcare StaffingOver the past several years, shortages in the nursing industry have only continued to increase. Nursing schools are flocked with students hoping to obtain a position in this money-making field. Fortunately, entrepreneurs stand to gain monetarily from the nursing shortage by operating a medical staffing business franchise. Staffing companies are responsible for bridging the gap between nurses looking for employment and hospitals in need of nurses. Traditional staffing companies have nurses who are basically on call for hospitals in their areas that need nurses at the last minute. For example, a hospital may contact a staffing company because several nurses are unable to work during a single shift, leaving the remaining hospital staff in a dire situation. A member of the staffing company then goes through a list of nurses until the number of scheduled nurses is back up to par.

With many work from home medical recruiting agencies, this model is taken to the next level. With this type of business franchise, you act as an agent for the healthcare practitioner. Furthermore, you also have the chance to build a team of healthcare recruiters working with you to increase the number of clients. How much work you undertake depends on the amount of time you wish to work in addition to the amount of money you would like to make.

With each franchise opportunity, you have the benefits of working from home, including flexible hours, lower cost investments, few or no employees, etc. Most importantly, experience is not required to participate in any of these business franchises. All you need is the self-discipline and motivation it takes to work from home successfully and the thorough research it takes to determine which internet franchise is meant for you.

Take A Look At The Top 10 Internet Franchises And Realize Your Potential To Work From Home – Entertainment

betterluck.jpg

Take A Look At The Top 10 Internet Franchises And Realize Your Potential To Work From Home

Almost half of the nation’s business owners work from home, according to the U.S. Census Bureau in 2002. Moreover, internet franchises offer not only the benefits of working from home, but also the opportunity to communicate with the click of a mouse.

There are many franchisors offering the benefit of working from a home-based office. With these business franchises, the franchisee has all the perks of a home-based income as well as the personal satisfaction of meeting with clients face-to-face or even traveling around the world!

For those looking for a franchise business completely managed in-home, there are several prospects that are strictly work from home Internet franchises. With franchises like these, the franchisee is not required to conduct any business apart from the comfort of a home office. Whichever you prefer, there are several franchise opportunities available to the aspiring entrepreneur. Here are the top 10 work from home internet franchises:

#1 Internet MarketingThis rapidly growing industry is quickly dominating the marketplace. Because online purchases are soaring and continuing to increase each year, businesses are looking for internet marketing teams to help get their websites noticed.

Furthermore, companies like AIS Media are offering franchisees the chance to profit from a growing e-commerce industry. AIS Media specializes in developing interactive websites for small businesses looking to market their products and services online. As a business franchise, you supply website design or redesign, email marketing, search engine optimization, web hosting, domain registration, business email, etc. Moreover, no technical background is necessary. Since most internet marketing franchise businesses are willing to provide all necessary training, a franchise opportunity in the e-commerce business is attainable to anyone with the motivation and ambition it takes to run a successful business.

#2 Advertising AgenciesFranchisors such as Advertising Consultants are using the internet to expand their agencies by allowing franchisees to work from home-based offices. The benefit to this type of franchise business is that it does not incur any costs associated with opening and operating new agency locations. Instead, agencies like Advertising Consultants are able to set up new units across the country or around the globe by allowing franchisees to work from home. For instance, New York City is home to several of the top advertising agencies in the business, which means that a person in Hot Springs, Arkansas who is serious about working for an agency must be prepared for a move to the Big Apple. With a work from home internet franchise, all you need is a computer, an internet connection and the training, which will most likely be provided.

#3 Billing SystemsThe healthcare industry is flourishing in many respects. But, you do not have to become a doctor or registered nurse to take advantage of this increasingly profitable industry. In fact, physicians and their staff members are overwhelmed with the paperwork it takes to operate even a small practice. Many are outsourcing this paperwork to medical billing specialists. In many cases, by operating a medical billing business franchise, you are afforded the sophisticated software programs, training, technical support and even marketing materials essential to launching a lucrative and successful home-based business.

#4 Internet ResearchThe research field may not seem like the most exciting industry available to franchisees; however, it is among the most profitable. In marketing and public relations, for example, research is a dominant facet that most marketing and public relations practitioners are weary of building their career upon. Of course, once they discover the potential financial benefits, they are more inclined to explore it. The same is true for internet research. Such research companies gather contact information about prospective clients for businesses. These companies are willing to pay for strategic research because their sales will increase quickly and significantly. Furthermore, human resource departments are using internet research to increase efficiency in the hiring process. Not only are they able to collect contact information, some research tools even help to distinguish passive candidates, those just browsing, from those actively seeking employment. Most often, f ranchisees have the option of working with clients currently belonging to the franchisor as well as any new clients they acquire.

#5 ATM FranchiseFew people keep large amount of cash in their wallets or purses. It is far safer to carry a bank card and get cash as needed, usually from an ATM. As ATM locations appear through the nation and the world, entrepreneurs are taking advantage of this franchise opportunity. Moreover, becoming a business franchise in this exciting industry does not require related experience. ACFN ATM, for instance, provides all necessary training and even qualified locations for your ATM franchise business. Currently, ACFN ATM is the only ATM franchise business in North America. With any growing business opportunity, those who get involved early gain access to untapped markets; thus, they are ahead of the competition and have a chance to earn more wealth.

#6 Promotional ProductsHave you ever looked in your kitchen cupboard and noticed that your most luxurious coffee mug came from your workplace? How about your favorite ink pen? Products such as these are “freebies” for employees, customers and even potential clients for big businesses. What many people do not consider is that these products are also advertising a particular organization. This innovative form of advertising has become a lucrative franchise opportunity for those seeking an internet franchise allowing them to work from home. While operating a business franchise from a promotional products company such as Adventures in Advertising (AIA), you have the opportunity to work with nonprofits, small businesses, schools, hospitals, human resource departments, etc. And, since the goods they purchase will be given away, repeat business is inevitable. Furthermore, franchisors like AIA offer training programs to prepare its franchisees for a successful run in the promotion al products industry.

#7 Financial CompaniesThis franchise opportunity is ideal for someone with an accounting or financial background, or someone with no such background at all! In either situation, the financial industry continues to expand, allowing entrepreneurs to venture into this industry with a business franchise. Whether franchising a global brokerage or leasing company, franchisors are prepared to educate and equip their franchisees with all the training and support tools necessary to manage a winning franchise business. For potential entrepreneurs with an interest in finance, there is a franchise opportunity that allows you to make this dream a lucrative reality while still working from your home office.

#8 Outdoor advertisingThere are many internet franchises focused on profiting from increasing online sales. A couple of the business franchises mentioned so far target this ever-increasing market. Still, traditional advertising media are not obsolete by any means. In fact, outdoor advertising is financially rewarding and still allows you to work from your home office. With no employees to hire or location to manage, you count more of your earnings as profit. Furthermore, training and support are provided by the franchisee. After all, your accomplishments contribute to your franchisor’s success.

#9 Travel AgenciesWhile most travel agencies require franchisees to operate units outside the home office, there are some who offer franchises to professionals looking to work from home. This type of business franchise relies mostly on communication via the internet and also over the phone. Moreover, many travel agency franchisors provide discounted travel to those who run one or more of their franchise businesses. If you are interested in the flexibility of a home-based income and traveling the world, this franchise opportunity is ideal.

#10 Healthcare StaffingOver the past several years, shortages in the nursing industry have only continued to increase. Nursing schools are flocked with students hoping to obtain a position in this money-making field. Fortunately, entrepreneurs stand to gain monetarily from the nursing shortage by operating a medical staffing business franchise. Staffing companies are responsible for bridging the gap between nurses looking for employment and hospitals in need of nurses. Traditional staffing companies have nurses who are basically on call for hospitals in their areas that need nurses at the last minute. For example, a hospital may contact a staffing company because several nurses are unable to work during a single shift, leaving the remaining hospital staff in a dire situation. A member of the staffing company then goes through a list of nurses until the number of scheduled nurses is back up to par.

With many work from home medical recruiting agencies, this model is taken to the next level. With this type of business franchise, you act as an agent for the healthcare practitioner. Furthermore, you also have the chance to build a team of healthcare recruiters working with you to increase the number of clients. How much work you undertake depends on the amount of time you wish to work in addition to the amount of money you would like to make.

With each franchise opportunity, you have the benefits of working from home, including flexible hours, lower cost investments, few or no employees, etc. Most importantly, experience is not required to participate in any of these business franchises. All you need is the self-discipline and motivation it takes to work from home successfully and the thorough research it takes to determine which internet franchise is meant for you.

Foreclosure – What is The Foreclosure Process in California? – Finance

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In comparison to a judicial foreclosure, Non-judicial foreclosure is speedy simply because the trustee does not have to get hold of a court purchase to foreclose, nor is court supervision essential in order to offer the household, as is demanded in the judicial foreclosure course of action. The judicial approach of foreclosure is applied when a energy of sale clause is not in the deed of believe in.In California, the timeline of non-judicial foreclosure commences when the trustee files a see of default. This is a letter which is sent to the owner/trustor notifying him or her of their default of the mortgage. This notifies the owner of the intent of the financial institution to adhere to by way of on their right to acquire on the personal debt. The duplicate of the notice, which is recorded at the County Recorders Company of the appropriate county, is mailed to the handle of notice as per the deed of trust. Recording of the discover of default can range considerably depend ing on the beneficiary.It can occur anyplace involving a week to a lot of months following 1 misses their to begin with house loan payment. The stage that follows following is the stage of the foreclosure procedure in which there is a submitting of the Detect of Trustee’s Sale. No quicker than ninety (ninety) days just after the trustee information the Detect of Default, the Trustee will need to publish a discover of trustee’s sale in the community paper and at the same time file that see with the county recorder’s company. No quicker than 20 days (20) immediately after the discover of trustee sale is filed, the dwelling may well be sold at public auction for the total of the credit card debt in addition foreclosure expenses. If no an individual bids at the auction, the financial institution assumes ownership of the home, and could dispose of that property to recover their hard cash investment.A home owner should hold in brain that with each succeeding legal motion, that the se filings are formally recorded and develop into element of the legal record. Very usually these filings can and do have damaging results to a homeowner’s credit for a time period of 7 ages. The before a house owner can deal with the predicament, the better the total result will be irrespective of the outcome.Modifications in the homeowner’s finances can consequence in foreclosure.When banking institutions reclaim piece of home simply because the homeowner is no longer able to pay on the mortgage it is the start out of a foreclosure proceeding.Foreclosure attributes are offered based on sum of the credit card debt that is due. Many foreclosure real estate attributes are auctioned at foreclosure auctions. The greatest bidder wins these auctions.It the foreclosure property did not offer, and then the creditor gets the title of the foreclosure property. These properties are referred to as actual estate owned now.In view of the reality that foreclosure properties are less expensive compared to brand name new residences. They present a wonderful offer of possibilities and probable. Nevertheless, foreclosure serious estate attributes have been rising in quantity throughout the last handful of of many years. This is mostly due to the increasing charge of dwelling, mounting fascination premiums and numerous other financial difficulties.

End Foreclosures – Home

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Special federal as well as condition laws and regulations may impact the actual manner in which the actual foreclosures is carried out. When the mortgage is actually covered or even assured by the U. Utes. Department of real estate and city Development (HUD! EHA) or the actual Veterans Management (VETERANS ADMINISTRATION), particular methods should be followed. Regarding a VA-guaranteed loan, the trustor may be liable for any kind of deficiency, unless the experienced obtains a release associated with liability from the VA. California regulation doesn’t always safeguard the actual trustor through legal responsibility for any deficiency on the VETERANS ADMINISTRATION assured mortgage. Government laws and regulations governing the actual VA loan plan consider precedence more than any kind of conflicting California regulation. Trustors ought to get in touch with the VETERANS ADMINISTRA TION for details regarding their own privileges and also to find out about specific needs.Judicial ForeclosuresJudicial Foreclosures is tried in certain condition Superior Courts. The beneficiary, on default of obligation by the trustor, brings the foreclosures lawsuit against the trustor. In the event that successful, the courtroom will issue an order to sell the property in a market. The named beneficiary should make use of judicial foreclosure if the security instrument doesn’t have a energy of sale provision. A home loan or deed of trust containing the power associated with purchase provision may be in foreclosure process judicially if the named beneficiary chooses to do this.The decision in order to foreclose judicially or non-judicially is not necessarily final. The named beneficiary may discontinue judicial foreclosures anytime and initiate non-judicial foreclosure.Conversely, the actual named beneficiary might abandon non-judicial foreclosure as well as start judicia l foreclosure. Beneficiaries sometimes start each kinds of foreclosure simultaneously.Foreclosure SaleA court-appointed commissioner or sheriff in the public location must give notice of the sale of the home for 20 times previous in the date from the sale. This same discover must be published in a newspaper associated with common circulation every week with regard to 20 times. The notice additionally must be sent by licensed mail to any or all defendants from their own final recognized addresses.At the foreclosure purchase, the home must be sold by the auctioneer towards the highest bidder who’s monetarily qualified.Redemption of HomeInside a judicial purchase, the actual trustor has got the right to redeem or get back the property after the foreclosures purchase. For any trustor, the right associated with payoff makes the judicial purchase attractive. It ought to be appreciated, nevertheless, that the judicial purchase may also result in a deficiency common sense. This poss ibility doesn’t exist inside a non-judicial foreclosure.Deficiency Common senseInside a judicial foreclosures, the actual named beneficiary offers, under particular circumstances, a right to a deficiency judgment. The actual deficiency judgment is limited for an amount equal to either the actual difference between the indebtedness and the fair marketplace worth from the home, or even the actual indebtedness and also the product sales price in the foreclosures purchase, whatever is actually much less.Rent as well as Rental IncomeThe actual trustor occupying the actual disputed home doesn’t have to pay the named beneficiary lease during default. The named beneficiary may be entitled, nevertheless, in order to any kind of leasing earnings generated through the home.Following the sale, the trustor keeps ownership of the property and does not have to pay for the beneficiary rent while in default. The actual named beneficiary may be entitled, nevertheless, to any leasing income ge nerated by the property.

Houston Foreclosures Decline – Real Estate

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Houston foreclosures are declining. “We’re quite certain 2010 was the peak,” Amanda LeCureux of the Foreclosure Information and Listing Service said.

In 2010, the foreclosure rate in Houston increased 26% according to a study by Realty Trac. That was the greatest increase amongst the 20 largest metropolitan areas. Harris County’s tax roll fell by $11 billion in 2010 due to foreclosures and a slowdown in the petrochemical employment rate of the area. 30% of properties in the county declined in value. Values most impacted by foreclosures were over $1million and between $80,000 and $150,000.

The first quarter of 2011 saw improvements in the foreclosure rate. The rate in Texas dropped from 2.08% to 1.89%. Texas had the sixth lowest foreclosure rate across the country. Improvement in the state rate was reflected in Houston. Houston foreclosures include the Greater Houston Area which is comprised of Harris, Galveston, Brazoria, Fort Bend, Waller and Montgomery counties.

In Harris County, 1 in every 1106 homeowners received a foreclosure notice in April. The Realty Trac internet site, reported Webster with the lowest foreclosure rate of 1 in every 2,412 homeowners. Cypress was the highest with 1 in every 221 homeowners getting a foreclosure notice in April, 2011. Spring with 1 in every 339 homeowners and Humble, site of the Kingwood development, with 1 in every 349 homeowners were other places with a high foreclosure rate.

Foreclosure notices for April, 2011 were higher for the outlying counties of Greater Houston. In Galveston County, 1 in 933 homeowners received a foreclosure notice. League City with 1 in every 618 was the highest and Hitchcock with 1 in every 1,630 homeowners was the lowest. In Brazoria County, 1 in every 845 homeowners received a foreclosure notice. Manvel with 1 in every 215 was the highest, and West Columbia with 1 in every 3,941 homeowners was the lowest. In Fort Bend County, 1 in every 516 homeowners received a notice. Fresno with 1 in every 91 homeowners was the highest, and Rosenberg with 1 in every 1,939 was the lowest. Waller County reported 1 in every 1,261 homeowners received a notice. Hempstead at 1 in every 832 homeowners was the highest. Montgomery County reported 1 in every 737 homeowners received a notice. Porter at 1 in every 486 homeowners was the highest, and New Caney with 1 in every 1,539 was the lowest.

Houston has a diversified economy established on the petrochemical industry, the Port of Houston and the Texas Medical Center. The unemployment rate for April, 2011 was 8.0%. Unemployment peaked in November, 2010 at 8.3%. Credit for mortgages has loosened. Although, home buyers are still sitting on the sidelines expecting further declines in home values. As long as home buyers remain bearish Houston foreclosures will not improve significantly.

Stop Foreclosure Fraud – Finance

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Amidst the hustle and bustle in the housing crisis, a lot of property owners missing their family members homes to foreclosure more than the prior few decades. It’s only been over the previous couple months that the fact encompassing people foreclosures, and lots of other people which were conducted illegal about the previous decade, is now coming to mild. For those which have currently lost their properties to foreclosure the information is infuriating, and while they are doing have legal choices for your fraud dedicated versus them much more courts these days are aware and recognizing how they are able to cease foreclosure just before yet another illegal home is seized.Among the primary culprits within the battle to stop foreclosure is House loan Digital Registration Systems “MERS”, a web-based, digital registration technique where transfers of house and deeds happen. The main concern using this type of technique is there is no legal recording of the home transfers with the local sign-up of deeds. This tends to make establishing a chain of title and house ownership really hard, and with nearly 80% from the residences sold inside the Usa registered within their system, you’ll be able to just image how large this issue truly would be to cease foreclosure.Apart from the very fact from the real residence transfers and legal recording, there is a large concerns surround MERS and their ability to initiate foreclosures. A lot of states have ruled that MERS doesn’t have the authority to act and initiate foreclosures and that their romantic relationship being a “nominee for your beneficiary” is incredibly minimal. In a modern Michigan situation, the appellate court was in a position to stop foreclosure and discovered that MERS was not the owner with the indebtedness produced through the mortgage, nor did it have the proper as being a servicing agent with the owner to initiate any foreclosure proceedings. Like a celebration nominated to act in a very minimal way, MERS doesn’t have the legal proper to initiate foreclosures. The important thing to knowing this can be educating by yourself around the details.With the right information and data you will be ready to stop foreclosure, defend your property and protect your family. The actual fact stays that financial institutions and servicers have brought forth fraud within the buyers and fraud on the court method. The moment a loan will become securitized it will forever be an unsecured credit card debt. Which means it can not be converted back again from a stock certificate right into a mortgage be aware. For that reason, in order to quit foreclosure, a consumer could search at personal bankruptcy like a achievable choice to avert becoming dumped out onto the streets. On the Register of Deeds, a client will be capable to generate licensed copies of all paperwork on file at the same time as examine all active documents for proof of fraud, robo signers, mers, invalid assignme nts and transfers, and anything at all else noticable that exists. It’s at the Sign-up of Deeds off and this information gathering time period that appropriate study and because of diligance is place forth to begin an effective end foreclosure marketing campaign.To learn more about how to Stop Foreclosure please visit stop foreclosure