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What do Forbes, Donald Trump and Robert Kayosaki, say about "This $62B Industry?" 79M Americans plan to start their business in the next 3 years.(Forbes Magazine). The great majority will do it thru Network Marketing/Direct Sales Model. Donald Trump and Robert Kayosaki recommend Network Marketing in their latest book. "Why We Want You To Be Rich". Monasign. Mstr @eBiz & IT Pay'g 8 FWD: NstaCPUBiz.com
Tuesday, September 29, 2020
Saturday, September 19, 2020
A rare subependymoma brain tumor
John. S.
May have a similar story the hit n run accident tesulted in a lill brain hemorrhaging in2019 and vertigo. A year and a jalf a biopsy was performed. Heunderwent surgery to remove the tumour in 2018 but has been left with life-changing effects, including 50% blindness, weakness, fatigue and memory problems
Hemispherectomy.
Strange but True: When Half a Brain Is Better than a Whole One
You might not want to do it, but removing half of your brain will not significantly impact who you are
https://www.scientificamerican.com/article
/strange-but-true-when-half-brain-better-than-whole/
https://www.healthline.com/health/left-brain-vs-right-brain#left-brainright-brain-theory
Matt S.
Matt was diagnosed with a rare subependymoma brain tumour seven years after first being diagnosed with vertigo. He underwent surgery to remove the tumour in 2018 but has been left with life-changing effects, including 50% blindness, fatigue and memory problems. Being the local postman has been his saving grace.
His wife Julie tells his story…
Matt and I met when we were both working shifts at our local pub. He was a fit, healthy guy who loved watching sport, especially wrestling and his beloved Tottenham Spurs playing. We have been together for 19 years and married for 15. He is now the postman who delivers the mail in our village of Cranfield in Bedfordshire and I work for Thames Valley Police as a civilian in the control room.
In 2011, Matt started suffering with what we were told was vertigo brought on by labyrinthitis. He went back and forth to the GP for seven years until in February 2018, the GP thought it might be something neurological and referred him. Matt wasn’t seen in neurology at Bedford Hospital until August of that year. They did tests including asking him to walk a straight line with his eyes shut and concluded he may have inner ear damage. However, he was referred for an MRI and to ENT. A couple of weeks later, the technologist doing his scan worried him when she told him he needed to come back at 9.30 am the following day. She said she had found something serious but couldn’t say what.
Matt then had an MRI with contrast and was going to be sent home to await results from a doctor. Obviously, he was really concerned and begged for someone to tell him what was going on. Eventually, a neurologist came and told us they had found a 6cm x 6cm tumour. They said it was slow-growing and that he would be referred to neurology and oncology at Addenbrooke’s.
“A day later, we were out to lunch with friends when Matt had a massive tonic-clonic seizure. It was absolutely terrifying. Matt stopped breathing for four minutes and I really thought he was dead.”
Matt was taken by ambulance to Bedford Hospital and spent two days there where they started him on a low dose of Keppra, a drug to treat epilepsy, as well as steroids. I was concerned that the MRI scans and the stress Matt had been under, realising they had obviously found something, had brought on the seizure out-of-the-blue, but we were told it was a coincidence.
Ahead of his impending surgery, I was often in tears, but Matt was very matter-of-fact, possibly numbed because of all the medication he was under. The only thing that helped me was getting everything organised ahead of him going into hospital.
“On 7th September, Matt was in Addenbrooke’s for surgery. I was expecting it to take around six hours, but he was gone for ten. It was an agonising wait, not knowing if I would ever see him again.”
Luckily, the surgeons were able to fully remove the tumour, which they thought was a meningioma, but turned out to be a subependymoma, a rare type of grade 1 ependymoma that develops from the glial cells that line the ventricles of the brain and the spinal cord. However, Matt has been left with lasting effects. The surgery has meant he is now registered as sight impaired, having had damage to his visual pathway because of the surgery. He has lost 50% of his sight on the left side of both eyes, which means he will never be able to drive again and struggles when he is unfamiliar places and has to rely on my help. He also has issues with his memory and I have to write lots of notes to remind him to do things.
He is so lucky to have his job as a postman in our home village. It means he can walk to and from work. And pushing his trolley is great because he has weakness down his left side and because his balance isn’t good either he uses the trolley as support.
Everyone seems to have a soft spot for Matt. When he was having surgery, people sent him lots of cards and were popping into the Coop which has a little post office for news. When he finally was back at work six months after his operation, his customers were constantly offering cups of tea and cake or a place to sit and rest for a while. Everyone seemed very concerned but glad he was back on his round.
In April 2019, we had arrived at Heathrow on our way to New York for a few days. I had bought tickets for WrestleMania and we were excited about visiting the Big Apple for the first time. We had just stepped out of the minibus which took us from the car park to the airport when Matt had another massive seizure. The lovely minibus driver quickly called for an ambulance and later even brought my car to Hillingdon Hospital where Matt was taken so I didn’t have to worry about collecting it.
Sadly, we didn’t get to New York.
Matt’s dosage of anti-seizure medicine was increased. He continued to have seizures every two to four months, with the dosage being increased each time until he was at the maximum dosage after another seizure in January 2020. Matt didn’t then have another seizure until August – a gap of seven or eight months. We decided not to add another anti-seizure medication to his regime at this stage because of the side-effects and hope he will go a good long stretch without another fit.
We were both shocked to discover the stats about brain tumours and how low funding into research actually is. It’s disgusting that they don’t warrant more investment. Even people with low-grade or slow-growing brain tumours can suffer life-changing side effects.
“People often say how well Matt looks, but they don’t know what he has to contend with, having lost his driving licence and therefore his independence when he became partially-sighted.”
Matt and I have two children, Harry, who is 17 and Elissa, 16, but he also has an older daughter and three grandchildren and has to wait for me to drive him to see them even though they live less than eight miles away.
We have registered to do a virtual Walk of Hope in Marston Vale and have set ourselves a challenge to complete 10 miles. We hope to be able to sponsor a day of research to help find better outcomes for brain tumour patients.
Julie Shanley
September 2020
Brain tumours are indiscriminate; they can affect anyone at any age. What’s more, they kill more children and adults under the age of 40 than any other cancer... yet just 1% of the national spend on cancer research has been allocated to this devastating disease.
Brain Tumour Research is determined to change this.
Paypal.me /johnsilva/5Paypal.me /johnsilva/5
Thanks much
If you have been inspired by Matt’s story, you may like to make a donation via www.braintumourresearch.org/donation/donate-now or leave a gift in your will via www.braintumourresearch.org/legacy
Together we will find a cure.
IMUNOTHERAPY
Imunotherapy for brain cancer wherein we harness the mechanisms of the immunization system. T-cells are trained to attack and kill cancerous tissue and leave healthy tissue alone.
Unfortunately such treatment though promising is still in the research stages and cost a lot of money how much... if you have to ask you can't afford it... Paypal.me /johnsilva/5Paypal.me /johnsilva/5
Thanks much
For example, if you're blind the eyebal can be injected with immunotherapy 'drugs' that are tailored for you genetically speaking based on your DNA using CRISPR technology, but it cost est. $500k/ eye and that's for parts (not labor) to correct issue... (Est another $1MM for Labor costs).
Paypal.me /johnsilva/5Paypal.me /johnsilva/5
Thanks much
If you have been inspired by Matt’s story, you may like to make a donation via www.braintumourresearch.org/donation/donate-now or leave a gift in your will via www.braintumourresearch.org/legacy
Friday, September 18, 2020
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Wednesday, September 16, 2020
eight ways to flip houses sight unseen w/o money....
8 Ways To Start Flipping Houses With No Money
Key Takeaways
Let’s make one thing clear: learning how to flip a house with no money down is entirely possible. There’s an entire community of investors ready and able to lend you the funds you need to complete your first deal. That’s right, there are plenty of investors willing to fill your pockets with their money — if you can prove to them that you deserve it, that is.
How Much Does It Cost To Flip A House?
The main costs of flipping a house will include renovation expenses, insurance, utilities, and marketing. The condition of the house upon purchase will determine the scope of work necessary to rehab the house and whether or not you will need to hire a contractor to complete bigger projects. You will need to cover the costs of homeowners insurance from the time that you purchase the property until renovations are completed and you sell the house. The house’s utilities need to be accounted for during the rehab process as water and electricity will be necessary to carry out the rehab. Once the rehab is completed, you will need to spend time and money on marketing in order to attract potential buyers. It may be worthwhile to hire a realtor to help get your property off the market unless you have an extensive network of real estate professionals already in place.
If you want to start investing today, using other people’s money will most likely be your quickest path to success, but you need to know who to look for. Below you will find your best options for funding your first deal.
8 Ways To Flip Houses With No Money And Bad Credit
Nowhere does it say an investor needs to fund a deal with their own money. As it turns out, there are several options for funding a deal made available to today’s investors, none of which will require you to use capital from your own pocket. In fact, it’s quite easy to argue that using other people’s money is the gold standard, at least when it comes to investing in real estate. If for nothing else, private lenders, hard money lenders and any house flipping investors with an interest in making money are all more than viable options to seek out for your next deal. Here are seven options to help you learn how to flip houses with no money:
Private Lenders
Hard Money Lenders
Wholesaling
Partner With House Flipping Investors
Home Equity
Option To Buy
Seller Financing
Crowdfunding
[ Want to own rental real estate? Attend a FREE real estate class to learn how to invest in rental properties, as well as strategies to maximize your cash flow and achieve financial freedom. ]
Private Lenders
More often than not, private lenders will serve as an investor’s greatest source of funding. After all, private money lenders are essentially banks without the endless hoops to jump through most traditional lenders have become synonymous with. That said, private lenders are anyone with a few extra dollars in their pocket, a desire to invest, and a propensity to have their “ears bent.” Perhaps even more importantly, they are not associated with a financial institution or a government-backed agency, such as Fannie Mae or Freddie Mac. That’s an important distinction to make; it means they are able to make their own rules.
With the ability to set their own parameters, private money lenders will typically come at a steep price; it’s not uncommon for their fee to rest somewhere in the neighborhood of six and 12 percent, but I digress. While the average private money lenders rate is slightly higher than that of a traditional lender, they can have the money in an investor’s hand in as little as a few days, or even hours. Therein lies the greatest benefit of working with private money lenders: speed of implementation. The slightly higher interest rate is well worth the cost of admission if it means an investor can secure funding in as little time as possible. Not surprisingly, most investors will find that the speed in which they are able to make an offer is more important than the interest rate it came with. Traditional banks, on the other hand, may take as long as 30 to 45 days to close on a loan, or just long enough to let a deal slip through your fingers.
In exchange for the funds, most private money lenders will require a bit of an insurance policy; or, more specifically, a promissory note and a mortgage or trust deed on the subject property. Some private lenders will even want borrowers to take it a step further and guarantee the loan with their own assets, but everything is negotiable.
Hard Money Lenders
In their simplest form, hard money lenders are lending companies that offer specialized short-term real estate-backed loans. Unlike their private money counterparts, they are actually affiliated with a company that specializes in lending. However, not to be confused with traditional lending institutions, hard money lenders will typically offer shorter loan terms. Whereas transactional lenders will offer loans up to 15 and 30 years, hard money lenders tend to stick with a six month to two year window.
Other than their affiliation with an actual company, hard money lenders will operate a lot like a private money lender. Not only are their lending guidelines a lot looser than traditional institutions, but their rates are also slightly higher. Hard money lenders will usually ask for about 11 to 15 percent and about five points (additional upfront percentage fees based on the loan amount). It is worth noting, however, that there are no universal hard money lender guidelines; each will come complete with a different set of criteria.
It is also important to note that most hard money lenders will usually only loan a percentage of the purchase price — typically around 70 percent, to be exact. That, will require most investors to look elsewhere if they don’t want to spend any money out of their own pockets; perhaps a private lender.
The Difference Between Hard Money & Conventional Loans
Conventional lenders like big banks judge whether or not to award loans based on the borrower’s qualifications such as their credit score and debt to income ratio. Hard money lenders do take the borrower’s credit score and income into consideration, but they are not as important as they are to banks. These lenders can be individuals or small businesses, and each will have its own set of loan qualifications. Hard money loans are typically based on the investment property at hand and the strength of the deal presented to them. They will evaluate the after repair value (ARV) of the property and the reliability of the rehabber before making the loan. Hard money lenders will finance properties that are in need of repair that most big lenders will not, but will also require higher interest rates and less favorable terms than traditional lenders.
How To Find Hard Money Lenders
Hard money lenders are located throughout the country, you just need to know how to find them. The easiest way to find them is by searching online for hard money lenders in your area. Here you will find results for companies who work with hard money loans that you can contact. Attending real estate investor meetings are great ways to network with hard money lenders who are looking to work with potential borrowers. You can also reach out to other real estate professionals in your network who have experience working with these lenders or know of a contact that you can reach out to.
Wholesaling
Wholesaling can enable investors to make a lot of money in a short amount of time, making it a great vehicle for flipping houses. The process involves finding properties for sale, getting them under contract, and then assigning the contract to a new buyer. Wholesalers make money based on a percentage of the final sale, which is usually between five and ten percent. The wholesale process does not actually involve purchasing properties, making it a great opportunity to get started in real estate without access to financing.
There is one thing to keep in mind as you consider this route: wholesale properties are not going to fall from the sky, and neither are buyers. While this is a highly lucrative opportunity, investors will need to take on an active role in order to be successful. This requires keeping a close eye on the market, networking with potential buyers, and learning how to negotiate contracts. However, by putting in the necessary effort to succeed as a wholesaler investors will be well on their way to securing their first rehab property. As an added bonus: the skills and connections needed for wholesaling will certainly come in handy as investors progress into flipping houses.
[If you want to learn more about building your first wholesale buyers list, be sure to read this article.]
Partner With House Flipping Investors
Both private and hard money lenders are a great way for investors to flip houses with no money out of their own pockets, but they are not the only ways. There is one additional way to flip a house without using any of your own money: partner with house flipping investors. It is entirely possible that teaming up with someone that is already flipping houses can be your next best move, and there’s no reason they couldn’t provide you with the funding you need. That said, a partner with money is just as good as a private lender or hard money lender.
Instead of taking on your next deal alone, consider the idea of partnering up with house flipping investors. Provided the right alliances are made, there’s no reason your partner can’t fund the deal — so long as you bring value to the table. It is worth noting, however, that if you aren’t bringing the funds to the partnership, you had better bring a lot of value elsewhere. Perhaps you actually know of a deal, or maybe you have the right contacts. Whatever the case may be, as a partner, you need to be able to carry your own weight. At the very least, partnering with investors that already have money is a great way to get started investing.
Home Equity
Did you know you can actually use equity built up in one property to purchase another? Homeowners with value in their current homes can utilize a few options to get access to cash. The first way to do this is through a cash out refinance. This involves redoing your existing mortgage and pocketing the difference between the two loans. There are no restrictions on what homeowners can do with this capital—meaning it could be used for the down payment on a fix and flip investment property.
Homeowners can also look into a home equity line of credit (HELOC) to purchase a rehab property. A HELOC operates similarly to a credit card, allowing investors to borrow against their equity and make payments on a monthly basis. These loans will provide investors with a lump sum, offering a great start to flipping houses. The best part about this option is that in some cases the interest on a HELOC can be tax deductible.
Note that homeowners are required to have a certain amount of equity in their property to take advantage of these options, which will vary based on your lender. As a general rule, the more equity you have built up the higher your likelihood for getting approved will be. Finally: always consider how much equity you will have left in the property if you do borrow against your home. Many homeowners will opt to maintain at least 20 percent.
Option To Buy
Option to buy, or lease option, is a process where investors agree to purchase a property after leasing. It works like this: renters occupy a space, and then agree to purchase the home at the end of the lease agreement. The purchase price will be determined at the time the original contract is signed, and in most cases rent payments will act as credits towards the final price. This is a great avenue for those wondering how to flip a house with no money down, as lease option homes do not typically require any up front payments.
Investors hoping to flip a property through lease options will need to negotiate potential renovations and repairs at the time of the contract signing. That way both parties are on the same page about any work being done to the property. The terms of an option to buy agreement will vary depending on circumstance, so always be sure to review the contract carefully. Investors may find this a viable option for flipping houses, though it will require preparation and a strong attention to detail.
Seller Financing
Another answer for those wondering, “how to flip a house with no money” is through seller financing. Investors can either search for properties that advertise seller financing or they can pitch the idea to interested sellers after they find a home to flip. Rather than going through a traditional lender, seller financing allows investors to work directly with the former property owners. This is an attractive choice to flip houses with no money, because investors have more flexibility when negotiating the terms of the loan. This can lead to a potentially small down payment, favorable payment schedule and even simpler approval terms.
To secure a property using seller financing, investors need to know what to expect. Just like with private money lenders, investors need to instill a sense of confidence in potential sellers. Be transparent about your goals for the property and provide information that demonstrates why they should finance this deal. You will likely be asked about your income, employment, and credit history; but keep in mind that you are not working with a traditional lender and there is more room to explain your particular situation if necessary. Finally, remember that not every property that is eligible for seller financing will be the right fit for a rehab property. Mind your due diligence and consider if it is the right move for you.
Crowdfunding
Another way to secure a loan for your house flipping deal is through crowdfunding. Crowdfunding is a financing strategy that relies on multiple investors who each contribute a portion of your total loan. You can search online to find various sites that are designed to specifically connect house flippers and crowdfunders in order to streamline the process. This is a great opportunity for house flippers who are unable to secure mortgages from other lending institutions.
Summary
Through no fault of their own, far too many new investors are unaware of the funding opportunities made available to them. For one reason or another, they are convinced they need to use their own money to buy a home, but they couldn’t be more wrong. In fact, you don’t need to use any of your own money if you want to start investing today. That is not to say having your own money wouldn’t help, but it’s certainly not necessary.
The best thing to remember when discovering how to flip a house with no money down is that your best chances of receiving funding are going to be private money lenders, hard money lenders and partners. Each of these three options is made available to investors the day they get into the game.
Ready to get started flipping houses in your local market?
The best rehabbers know how to find the right properties, accurately estimate costs, and scale their businesses. Our new online real estate class, hosted by expert investor Than Merrill, can teach you the correct steps to flip your first property the right way and achieve success in real estate.
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Thursday, September 10, 2020
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