5 Steps - How to Complete Offers on Incentive Freebie Sites

In order to get your prize, like a free iPhone 3g from a incentive freebie sites, you must get credit for your offer. Many people get frustrated as they complete the required offers, all to find out that they have not received credit for their offers and therefore cannot get their prize.

In the past, most companies accepted Manual Credit Request (MCR) which allowed you to prove that you did the offer through confirmation emails. Now, because of the amount of scamming that has happened over that last year, most companies no longer accept these requests. The ones that do,want you to wait 7 days before submitting them.

I have been doing this since April 2007. It is a great Work at home career.

5 Steps - How to Complete Offers on Incentive Freebie Sites

There are thousands out there doing this.

Follow theses plain and simple Directions in order.

I know they work.

I have use them myself every time.

1) Enable(allow)cookies,

Turn off pop up blockers,

If you have any extra tool bars, then make sure they have their pop up blockers off if they have them.

**clear cookies**

2) Log in(register)with the referral the link from the incentive freebie site your trade partner gave you

Look at all the offers you are interested.

Read the terms of services, get all the info you can.You will be looking for: how much the offer actually cost, include shipping if any, how long is the trial period, contact information for the offer company. You will also note what you have to do in order to get credit. Decide on which ones you are gonna do,Don't do them yet, just read everything and decide what ones you want then...

3) Clear cookies, refresh the page.

4) Log in(log in as existing user),

(You should have to if you cleared cookies,correctly.If not,let your trade partner know it didn't work, before you do any offers. They can help you figure things out).

5) Go to just the offers you decided to do,nothing else.Leave the last page(the "thank you" page)up for at least 10min. (longer is better, but not shorter), watch TV or something so you do not get in a hurry(some traders have told me they do that ,and it helped).DO not surf, it will mess up cookies.Cookies are what the offers track to see if you did the offer.So we need them.

5 Steps - How to Complete Offers on Incentive Freebie Sites
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If you would like more information on how you can make extra money from Incentivized Freebie Sites, or how to clear cookies, email me at MissEdie2@SbcGlobal.Net. Or you can find me at [http://www.Calistyle101.com] as MissEdie :) Where real people are making money online everyday.

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Free iPhone 4 Offer - How to Get a Free iPhone 4 in Just 3 Simple Steps

It's Really Easy to Ge The Phone 4 Free

The new iPhone 4 product is rapidly becoming number one in the market and so is the ever popular "Get a Free iPhone 4 offer". The iPhone 4 is the world's hottest new product on the market today. The overwhelming response on internet blogs confirms that the amazing new iPhone 4 is revolutionary. But did you know you can get one for free?

Many of us who are struggling with debt think we can only dream of owning one, but fortunately the offer to own the new iPhone is the real deal. Some of you may steer clear from such free offers, but just ask friends who have completed them; they'll tell you that offers like these are true and can get you the newest Apple products free.

Free iPhone 4 Offer - How to Get a Free iPhone 4 in Just 3 Simple Steps

Promotions like this often show up right about the time the Apple Corporation is getting ready to release their new product or to alert the market of the increased demand that will come following the release date of the new Apple iPhone 4. The cost of the gadget is paid for by third party advertisers and sponsors, so as long as you complete the instructions fully, you should have no problems getting an iPhone 4 for free.

Most Offers Will Require The Following Process:

Step 1. Submit your email or zip code to see if you qualify
Step 2. Complete a brief survey
Step 3. Complete your choice of offers given

Please note that with many of these offers, you must be at least 18 and a US Citizen. You will also be required to use AT&T as your service.

Free iPhone 4 Offer - How to Get a Free iPhone 4 in Just 3 Simple Steps
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Check For 100 New Release & BestSeller Books For Your Collection

Ready to Get Your Free iPhone 4?
Here's my #1 recommendation: CLICK HERE and enter your zipcode and color preference to get started. For more info, visit www.grabyourfreebie.info

Don't miss out on this great opportunity! Good luck!
--Patrick

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The 5 Best Cell Phones on the Market

There are literally hundreds of cell phones out there made by dozens of manufacturers. It is hard to determine which are the best of the group - or at least, which is best for you. The decision is a difficult one, and we hope the information below will help you make a wise choice. The five cell phones listed below are truly the best of the best in terms of quality design, dependability, and overall user satisfaction. Although there are a lot of great cell phones out there, we are sure that these are some of the very best.

Motorola i860 Video and Camera Mobile Phone

Manufacturers Description: The sleek Motorola i860 is packed with more than a dozen top-of-the-line features including 10-second video capture and playback and a 0.3-megapixel camera with 4X digital zoom. In addition, it allows users to easily exchange digital photos and contact information with others.

The 5 Best Cell Phones on the Market

”The Motorola i860 handset is another example of how Motorola strives to meet our customers’ needs by offering one mobile device to streamline communications," said Rey More, senior vice president and general manager, Motorola’s iDEN® Subscriber Group. “Its multimedia services enable users to easily capture the moment when it happens and share it with others, wherever they may be.”

The phone’s 10-second video capture capability includes a short-range LED spotlight to provide additional light for close-up pictures. The camera allows users to take pictures in a variety of sizes suitable for sharing, in-camera viewing, wallpaper designs, and picture caller ID. Users can get themselves in the picture using the self-timer.

With the Motorola i860, users can share their pictures and audio recordings by sending and receiving multimedia messages.1 The phone’s integrated Media Center allows users to conveniently manage all pictures, voice recordings, ring tones, videos, and wallpaper designs from a single area.

Other features of the Motorola i860 that are new to iDEN handsets include:

Picture Caller ID - allows a previously-assigned picture of a caller to appear in the external display when a phone call is incoming from that contact

Larger external color screen - displays up to 3 lines of text and pictures

Larger internal color screen - displays up to 11 lines of text in vibrant color

Push-to-Send My Info2 - allows users to send their contact information via the “push-to-talk” (PTT) button. Users can limit the amount of information sent or send a virtual business card to network more efficiently.

Push-to-Send Contacts2 - allows users to easily share another user’s contact information via the PTT button

Media Downloader application – available for download from the Internet, this free application allows users to transfer photos and videos from their phone to their PC via a USB cable (not included)

25 MB of memory available to end users - for ring tones, voice recordings, videos, pictures, messages, wallpaper designs, and Java™ applications

MP3 ring tones - including music and voice

Openwave 7.0 Internet microbrowser - lets users browse graphic-rich xHTML sites

Push-to-open button - offers convenient, one-handed operation of the flip-style phone by mechanically opening the flip when pressed

The phone also has many of the features associated with Motorola’s iDEN technology, including location-based services, integrated speakerphone, voice recorder3, voice dialing, downloadable applications, and a two-way radio for instant communication at the touch of a button.

The Motorola i860 handset weighs 4.77 ounces and measures 3.45 x 1.96 x 1.01 inches with the included high performance battery.

Overall Value Rating: 9.7 / 10 - Excellent

Price: 0 - 0

Nokia 6230 Cell Phone (Cingular)

Manufacturers Description: Offering the best and latest technology and features, the Nokia 6230 meets the requirements of the most demanding mobile phone users. The tri-band (GSM, GPRS, EDGE 900/1800/1900, GSM, GPRS, EDGE 850/1800/1900) mobile phone offers multiple connectivity options via EDGE and Bluetooth wireless technology, a removable multimedia memory card as well as an integrated VGA camera to capture pictures and videos. Sleek and compact, the Nokia 6230 is expected to start shipping in Europe, Africa, Asia Pacific and Americas in the first quarter of 2004.

"Traditionally, mobile professional are early adopters of mobile technology, demanding advanced functionality and higher data speeds to keep them informed, entertained and connected while on the move," said Kai Öistämö," Senior Vice President, Nokia Mobile Phones. "With EDGE, Bluetooth technology, an integrated camera, MMS functionality and even an integrated MP3 player, the Nokia 6230 addresses these needs with an impressive range of features to help balance a busy work schedule with after-work responsibilities."

One of the key benefits of the Nokia 6230 is a compelling multimedia experience. With an integrated VGA camera and a display with 65,000 colors, pictures and videos taken with the Nokia 6230 appear sharp and bright. The video player adds the ability to record, send and receive video clips with audio, as well as receive streaming video content in 3GPP video streaming format. High quality video and images, voice, presentations, files and music can be stored on a removable multimedia memory card. Users can also create, send and receive multpicture, multimedia messages with Synchronized Multimedia Integration Language (SMIL) technology. SMIL technology allows users to compose multi-image messages that display text, sound and images in a pre-determined order.

For flexible and efficient wireless connectivity, the Nokia 6230 phone offers Bluetooth wireless technology and infrared connectivity as well as HSCSD and GPRS support. Bluetooth enables a wide range of new exciting enhancements for seamless connections and comfortable wearability, like the Nokia 610 car kit phone and the stylish Wireless Boom Headset also announced today. The complete list of Bluetooth enhancements compatible with the Nokia 6230 can be viewed at [http://www.nokia.com/products/Nokia6230].

Using the high-speed packet-based EDGE connectivity of the Nokia 6230, business professionals can enjoy faster browsing, messaging and downloading. With a downlink data speed of up to 236.6 kbps, downloading with the Nokia 6230 via EDGE enables downloads more than 4 times faster than with GPRS.

In addition, the Nokia 6230 has a mobile email client that lets users manage their email quickly over EDGE, GPRS and HSCSD networks. The advanced xHTML browser gives fast access to mobile services and information, and the integrated TCP/IP technology** enhances both the ease and speed of over-the-air file downloads. Data synchronization capability allows users of the Nokia 6230 to update personal data remotely over the network. Local synchronization of personal data can also be done via Bluetooth, IrDa, USB and the Nokia PC Suite.

With the presence-enhanced contacts service, users of the Nokia 6230 can share their availability, intentions and whereabouts with colleagues, family, friends and other contacts. For example, a business professional can change his phone profile to 'Meeting' and advise his colleagues to reach him by SMS or MMS. Exchanging instant text messages is another interesting possibility with the presence-enhanced Chat function, where users of the Nokia 6230 can create their own private chats and invite others to participate, or even join public chats of their interest.

The Nokia 6230 also includes a digital music player for AAC/MP3 music formats. In addition to enjoying high quality stereo music, music enthusiasts can set their favourite music as wake-up tones as well as alert and ring tones.

Key features include:

Active TFT color display - with up to 65.536 colours

Integrated digital VGA camera

High speed packet-based EDGE and GPRS connectivity

Bluetooth

Digital camcorder and video player

Video streaming including AMR audio

MMC Multimedia card support

Java MIDP 2.0

Presence-enhanced contacts and chat

MP3/AAC music player and built-in FM stereo radio

xHTML browser for enhanced mobile browsing experience

Advanced PIM functionality (calendar, phonebook, to-do list, notes)

OMA Digital Rights Management version 1.0

Mobile Wallet

Integrated hands-free speaker

Polyphonic ring tones (supporting up to 24 instruments)

Infrared, USB, PC Suite

76 cc, weighs 97 grams

Talk time of up to 5 hours and a standby time of up to 300 hours.

Overall Value Rating: 9.6 / 10 - Excellent

Price: 0 - 0

Motorola A630 Cell Phone (T-Mobile)

Manufacturers Description: Following in the footsteps of the game-changing Motorola StarTAC and the company’s revolutionary two-way pagers, the model A630 is yet another innovative new product from Motorola. Packaged in a unique, multi- functional design featuring a QWERTY keyboard hidden inside a sleek candy bar form, the Motorola A630 lets you call, text or email with style and ease.

From the outside, you see a fashionable, compact mobile handset. Once opened, the device reveals a full QWERTY keyboard that makes texting, email exchanges and Instant Messaging easy. The A630 does not stop there. For multi-media fun, the handset comes with an integrated camera with 4 x zoom, multi-media messaging for sending and sharing images, dedicated gaming keys and a vivid color display that offers portrait as well as landscape views. When its time to be productive, the A630 offers integrated Bluetooth® wireless technology, an office quality speakerphone and email support including POP3, SMTP and Imap4. The Motorola A630’s fusion of the mobile and messaging worlds without sacrificing weight, size or style makes it the ideal device for today's text-savvy trendsetting consumer.

With the debut of the model A630, Motorola delivers a uniquely designed handset that stands apart from the pack, promising simplified voice and messaging communications supported by the latest technology,” said James Burke, Sr. Director of Product Operations for Motorola, Inc. “With its clever combination of fun and function, the model A630 is sure to please style-conscious movers and shakers."

The Motorola A630 features include:

Full QWERTY keyboard with 5-way navigation for easy messaging, fun gaming and more

Integrated VGA camera with dedicated photo button for quick shoot and send power

220 x 176 pixel color landscape display capable of supporting up to 65,000 colors

Built-in Bluetooth wireless technology

Advanced messaging including Multi-Media Messaging Service (MMS), SMS, e-mail support (POP3, SMTP, Imap4) and multibranded IM (Instant Messaging)

GSM tri-band capabilities

J2ME™ downloading functionality

Integrated hands-free speakerphone

Polyphonic speaker for the ultimate sound and cool MP3 ringtones

Overall Value Rating: 9.3 / 10 - Very Good

Price: 0 - 0

Samsung p735 Cell Phone (T-Mobile)

Manufacturers Description: Featuring a package of design and multimedia features, the imaginative p735 is Samsung's first GSM megapixel camera phone in the U.S. With options that entertain, enrich and enhance a consumer's wireless experience, the p735 boasts an eye-catching twist and flip display and advanced multimedia technology, including a megapixel camera phone, video recorder, MP3 player and expandable memory.

The phone's distinct feature is a swivel form factor that allows the consumer to twist the display so that the vibrant 262,000-color screen rotates to a horizontal position, giving the phone a more camcorder-like feel and making picture taking and video recording easier. And with a megapixel camera, film-quality pictures can be stored and printed at sizes up to 4x6.

For moments such as upcoming holiday gatherings that require more than a quick snapshot, the video recorder is practical and convenient, and video and pictures can be shared wirelessly via T-Mobile's messaging services. While the phone's 64MB of internal memory provides space for pictures and video, the p735 comes with an RS MMC media slot and additional 32MB multimedia card so no moment is ever missed. In addition, the expandable memory slot offers space for easy and quick access to supplementary applications and games.

For those that still have the gamer in them but are too busy to play at home, the p735 acts as a gaming device with access to 3D games, including Metalion and Zio Golf. For music download addicts, the p735 comes equipped with a personal MP3 player, so downloading, playing and sorting music wirelessly becomes a convenience, not a hassle. Sounds come in clear with T-Mobile's HiFi Ringers and the device's pre-packaged headset provides a heightened auditory experience.

The p735 will change the way consumers view their wireless phone” said Peter Skarzynski, senior vice president of Samsung's wireless division. Whether using the phone to download and listen to music, or snapping pictures and video clips to send back to the office while on a business trip, the p735 will enhance consumers' digital lifestyle.

This is a truly fun phone” said Todd Achilles, director of handset product management for T-Mobile USA. “From the bright screen, to cool swivel design, and MP3 player to the megapixel camera, there's a lot to keep you entertained”

Features:

Integrated MegaPixel Digital Camera - Take pictures on the go. Enjoy one megapixel pictures plus digital zoom, multishot, and more.
RS MMC Media Slot - Add memory, applications, and store photos with a memory card.

MP3 Player - Download, play and sort your favorite tunes to listen to on your phone.

262 TFT Main Color Display - Makes everything come to life on your phone including photos, picture caller ID, and more.
Video Messaging - Record up to 15 second clips with sound and send them to other compatible phones.

Overall Value Rating: 9.0 / 10 - Very Cool

Price: 0 - 0

LG VX4600 Cell Phone (Verizon Wireless)

Manufacturers Description: The attractive VX4600 is the perfect mobile phone for consumers who are looking to express themselves with high-end quality, style and essential functionality. Its ultra-cool clamshell design, high-resolution internal color display, and innovative external OEL (Organic Electro-Luminescent) screen make an undeniable statement of style.

Basic Information:

Talk time: 200 minutes Standby time: 165 hours Size: 3.43H x 1.81W x 0.98D inches Weight: 3.38 oz

Basic Features:

1.9 Ghz PCS, 800 MHz CDMA (All Digital)

Enhanced Messaging Service (EMS) to send and receive text messages with graphics and sound

E911 Emergency Location-capable

2.5mm headset jack to accept universal hands-free headsets

65K TFD Main Color Display (120 x 160) 8 lines of Text

OEL Sub Display (96 x 38) 3 lines of Text

Blue Backlit Keypad

5-Way Navigation Key

CMX MIDI (musical instrument and games digital interface) for sounds and ringers

Large Phone Book: 499 contacts (each stores 5 numbers and 3 email addresses)

36 Embedded Ring Tones and download more

Vibrate and Silent Modes

Voice-Activated Dialing

Speed Dialing (99 Entries)

Bilingual (English and Spanish) capabilities

Personal Organizer: Calendar with Scheduler, Alarm Clock, Voice Memo, Notepad, EZ Tip Calculator, Calculator and World Clock

External USB Capable

1-Year limited warranty

Meets FCC SAR limit. Manufacturer's highest FCC reported SAR 1.22 at ear, .74 on body. Actual SAR may vary.

Overall Value Rating: 8.8 / 10

Price: 0 - 0

The 5 Best Cell Phones on the Market
Check For The New Release in Health, Fitness & Dieting Category of Books NOW!
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Check For 100 New Release & BestSeller Books For Your Collection

Bradley James is the chief editor of the consumer electronics review website SciNet.cc [http://www.scinet.cc]. Get more information about cell phones, compare prices and read reviews at our best cell phones website [http://www.scinet.cc/articles2/best-cell-phones/best-cell-phones.html].

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How to Recover Lost Or Deleted Pictures From Kodak EasyShare 330 Digital Camera

Kodak EasyShare 330 digital camera holds a good reputation with its professional qualities. With Kodak's EasyShare technology, 4 MP sensor, and continuous QVGA mode, this camera is still owned by various photo enthusiasts. It includes two basic types of storage: External memory of SD/MMC cards and 16 MB of Internal memory. Thus each photo or video you capture using this camera is either stored on SD/MMC card or its internal memory. Since this storage often gets corrupted, a copy of vital files and folders can work as a safety net against data loss. Ignoring this practice can however, result in requirement of a Picture recovery application.

Just like any other memory card, SD/MMC card of Kodak EasyShare 330 camera can get corrupt for several reasons, such as

1.Interrupted read/write operations

How to Recover Lost Or Deleted Pictures From Kodak EasyShare 330 Digital Camera

2.Turning off the camera unexpectedly

3.Disrupted file transfer from the camera to the computer

4.Using the same memory card in different cameras

Apart from the above mentioned causes, digital files can also get lost due to accidental file deletion, rendering the stored data inaccessibile. The prime symptoms of storage card corruption in Kodak 330 camera are:

1.Kodak EasyShare 330 freezes on inserting the memory card

2.Memory card is not recognized in camera and computer

To isolate these issues from your Kodak EasyShare 330 camera, you should follow the below sequence of steps:

1.Turn off your camera

2.Remove the memory card from the camera

3.Try to access it using a card reader on a computer

4.If the card is still unrecognizable, insert the card in camera again and reformat it

A Kodak EasyShare 330 user can safely restore the lost digital files post reformatting the card or deleting the files accidentally if it has an updated and clean data backup. In other cases, he/she needs to use a Digital Picture recovery software. Using powerful set of algorithms, these Digital photo recovery tools can scan and rescue all lost or deleted files from various memory card and digital cameras. With their user-friendly interface, these applications are easy to use.

Picture recovery software is a complete digital data recovery product designed for recovering lost or deleted audios, images, and videos from different storage media. This software is available for both Windows and Mac operating systems and supports most of the digital file formats.

How to Recover Lost Or Deleted Pictures From Kodak EasyShare 330 Digital Camera
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Straight Talk Prepaid - Current Deals and Offers

Straight Talk Wireless has two prepaid plans that are gaining considerable success in the cellular service marketplace. It's no surprise that these plans have become pretty formidable competition to other prepaid providers because both of the available plans are very good deals.

Straight Talk faces stiff competition from the likes of Boost Mobile, T-Mobile (which recently released a prepaid BlackBerry plan among others), MetroPCS (which continues to jostle its prices and service plans looking for the perfect niche), and Cricket (which offers quite attractive service plans and rates in certain parts of the country). There are a veritable plethora of prepaid plans from which to choose-so it always pays to do the research and check out all the competition until you are satisfied with the plan you decide upon.

Straight Talk's two plans are actually quite similar, but just offer different degrees of freedom with minutes and text messages and other features. The All You Need plan is a great option for people who need a basic wireless plan that will give them all the minutes and messaging capability they need. This plan comes with 1,000 text messages (sent and received) and the same amount of talk time minutes, so clearly you are not going to be hurting for lack of staying connected.

Straight Talk Prepaid - Current Deals and Offers

But if you talk on your phone a lot and like to constantly stay connected with friends and family and like to browse the web frequently, the Unlimited Straight Talk plan may be a better option. And at a price point of , this plan, which included unlimited talk, text, and browsing, is not exactly going to break the bank.

One of the phones available on the Straight Talk plans is the Samsung R451C cell phone. At just under 0, this solid but rather basic cell phone is a good middle of the road option to use on one of these prepaid plans. Another available handset is the Samsung Finesse. The Finesse is a higher-end, feature-rich phone with a touch screen that has drawn comparison to the Apple iPhone.

The comparison ends at the touch screen however, as Samsung Finesse does not allow third party apps or even stream video from popular video sites. The phone retails at 0, which puts it in line with other smartphones, but it is very expensive for a prepaid phone. Still, with a Straight Talk plan, you will be able to recoup your savings very quickly. Each month you will only be paying or , which is quite cheap.

The Motorola RAZR phone is another handset option for either of these plans. The phone costs . The RAZR has been around for a while and is another good middle of the road cell phone option. Straight Talk deals also include free shipping for the phone you purchase, which will save you a few dollars. It should be noted that both plans provide unlimited 411 calling, which is at least a dollar of savings each time you use that function. Straight Talk Wireless plans run on Verizon's nationwide prepaid network.

Straight Talk Prepaid - Current Deals and Offers
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Check What Are The Top Cooking Books in Last 90 Days Best Cheap Deal!
Check For Cookbooks Best Sellers 2012 Discount OFFER!
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Check For 100 New Release & BestSeller Books For Your Collection

Read a review with more details about the Unlimited Plan. Also, read why some people are calling the All You Need plan from Straight Talk one of the best in the business in a prepaid plan review.

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Short Sales - 3 Key Factors Gurus Never Tell You About How To Do Short Sales

For those of you who are new to the Short Sale arena or new to real estate investment, let's first define what a "short sale" is and what it's SUPPOSED to accomplish. A short sale is the process of negotiating with a Mortgage Lender to convince them to accept less than the Homeowner's mortgage balance as payment in full for the property in order to prevent foreclosure, eliminate the nonperforming loan from the Lender's balance sheet, and allow savvy real estate investors to profit from purchasing property below market value. A Short Sale is generally a great strategy to use when a Homeowner is behind on their payments and owes close to or more than what the property is actually worth. The state of being "Upside Down" (Debt > Equity) is the ideal situation when targeting short sale candidates and getting these deals done successfully on a consistent basis.

Negotiating a short sale is SUPPOSED to help the Lender and the Homeowner in default by preventing the foreclosure, wiping the slate clean for the Homeowner, and providing that Homeowner with an opportunity for a fresh start--and providing the investor with a substantial discount vs. Fair Market Value (FMV) to earn a reasonable profit on the immediate sale or on a fix & flip sale down the road. However, it doesn't always work out that way. Experience has taught me that these 3 Key Factors are HUGE components of the harsh reality you can expect throughout the short sale negotiation & completion process.

KEY SHORT SALE FACTOR #1:

Short Sales - 3 Key Factors Gurus Never Tell You About How To Do Short Sales

In spite of the reality that we're in the midst of a tremendous foreclosure tsunami, some Lenders are still irrational and downright idiotic in their decision-making process. Case & Point: GMAC will only accept short sales that come in @ 90~100% of fair market value (FMV). So, they've effectively taken the "short" out of "short sale"! Now ain't that just dandy? OK, time to whip out your calculators and see how much profit we real estate investors can bang out buying short sales @ 95% of FMV. Hello! Time for a reality check!

KEY SHORT SALE FACTOR #2:

Regardless of the fact that we always include a line item on our Purchase & Sales Agreement (PSA) stating: "This offer is contingent upon Buyer arranging for [Lender] to accept $________ as full payment WITHOUT pursuit of a deficiency judgment against Seller for the mortgage that Mortgagee holds on the Property", some Lenders completely IGNORE that contractual line item. For example, HSBC is notorious for NOT waiving deficiency judgments.

Buried among the standard jargon on HSBC's short sale acceptance letter is "HSBC Mortgage Services will retain the note on this loan. The customer shall be responsible for any deficiency remaining on the balance. All terms of the original note shall remain in force." Wait a minute! So, HSBC agrees to do the short sale so long as they don't end up short? They'll discount their lien as long as they get the whole thing!? Wow! What a deal! The bottom line is that after you've painstakingly negotiated to get HSBC to agree to accept a short sale you realize that you've been hoodwinked because the deal is contingent upon the fact that it's NOT really a short sale at all. Welcome to Crazy World!

The slick tactic here is that HSBC is making a brazen attempt to get your clients to bind themselves contractually to pay the deficiency as part of this "short sale" (ya know, the kind where they'd still owe 'em everything). C'mon guys! We've gotta stand firm and do like Nancy Reagan on this one--JUST SAY "NO"! In spite of the existence of less-than cooperative Lenders with unhealthy attitudes, this HAS to become the Golden Age of Short Sales because Lenders simply can NOT keep being idiots and stockpiling REOs in perpetuity. Something's gotta give!

KEY FACTOR #3:

There's one document that none of my colleagues ever seem to include in their short sale packages perhaps because I've never seen it on the documentation list of HOW TO DO SHORT SALE programs. Since that document didn't exist, I just had to invent what I call the Offer Price Determination (OPD), which basically walks the Lender through the process of exactly how we've determined our offer price. A sample of our unique, Radiant Properties OPD is available to you for FREE on our website, with which I'll provide you below.

For those of us who've endured the short sale process, we're aware that influencing the BPO (Broker's Price Opinion) is perhaps THE most critical aspect of getting our short sale offer accepted and closing the deal. When I personally meet the BPO Broker at the subject property, I hand her or him the BPO Packet that I've carefully prepared just for them. That BPO Packet generally includes:

• Comps @ or near our offer price
• Detailed Rehab/Repair Estimate
• Homeowner/Seller's Hardship Letter
• PSA
• OPD

For many of you, the mounds of required documentation is the scariest aspect of short sales. To alleviate that fear, Real Estate Profit Pro (REPP), an indispensable tool created & developed by my mentor, friend, and confidant--mega successful real Estate Investor, GERALD ROMINE is THE system that all PROFESSIONAL real estate investors should use to quickly & efficiently prepare short sale paperwork AUTOMATICALLY. So when the foreclosure glut causes the mortgage industry to implode (more acutely than it already has) as a result of the Lenders' own greed & lack of foresight, since YOU will have access to this information and powerful tools like Real Estate Profit Pro, you'll be fully prepared to swoop in, clean up the bloody mess, then reap your profits using REPP--your powerful secret weapon to complete massive short sale packages in just minutes!

When you've made the wise decision to have REPP & real estate investment superstar Gerald Romine on your side, you too will be armed & ready to locate & complete the REAL Deals with the Lenders that will eventually be FORCED to become flexible enough to work with you to help them put an end to the foreclosure glut and CREATE WINNING SITUATIONS for Homeowners, Lenders, YOU, and your real estate investment business!

Since many Lenders are still in SERIOUS denial about this foreclosure mess that THEY created, realistically, some short sales will work--others won't. So, the idea is to be sure to have a system in place to analyze deals and make offers quickly. Since I've been fortunate enough to have direct access to Gerald Romine and Real Estate Profit Pro since my very first real estate investment deal, I must admit that I've been operating at a tremendously unfair advantage vs. my competition. The GREAT NEWS is that when you visit the Radiant Properties website, you too can access this powerful REPP unfair advantage!

When you arrive at the Radiant Properties website, just look on the left menu, then click on the link to check it out. While you're there, you can also click on the menu link to get your FREE sample of our unique, proprietary Offer Price Determination document that will MAKE YOU MONEY by giving you an unfair advantage over your competitors within the short sale investment arena. When you apply this new knowledge and Real Estate Profit Pro to your real estate investment business, you'll certainly notice the difference in your bottom line soon enough. Since we intend to include the OPD worksheet in an upcoming short sale system that will soon be FOR SALE, the OPD Sample will only be available for FREE on our site for a VERY limited timeframe. So you'd be wise to hurry!

Finally, now that you're fully aware of these 3 Key Factors Gurus NEVER Tell You About HOW TO DO SHORT SALES, just visit our Radiant Properties website listed below, get the REPP and FREE OPD info you need, then go negotiate & CLOSE a PROFITABLE short sale deal! Short sales aren't easy, but you can successfully close these deals on a consistent basis--when you have the right tools...

Short Sales - 3 Key Factors Gurus Never Tell You About How To Do Short Sales
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The VA Offers Loan Programs For Fixer Upper Homes

One of the many uniqueness of a VA guaranteed loan is the possibility of buying a house and using some of the proceeds of the loan(s) to fix it up before you move in. The only other type of loan similar to this might be construction permanent financing (also guaranteed by the VA). In other words, the VA will under certain circumstances guaranty loans so you can purchase and rehabilitate (rehab) a house that needs repair and that you and the lender knew required repair before closing. You won't find that anywhere else.

Basically, you will have two loans, one for the initial purchase and a second or supplemental loan for the rehab work. That first loan will almost certainly require your house to appraise and pass inspection, even in its banged up state. In other words, the sink will need to have running water and the furnace will need to heat the house. You must coordinate the purchase and the rehab carefully with not only your lender but also with a licensed appraiser before you make any commitments. While this adds a level of complexity not normally found in residential mortgage lending, bear in mind that the United States Government is about to back the deal with a guaranty. Go for it!

Some Key Rules

The VA Offers Loan Programs For Fixer Upper Homes

It is important for you to know about some of the key rules established by the VA for this type of deal. The headings below have been changed to assist the reader and not all of the rules are restated here-just the ones that seem high profile.

A. VA may guarantee a loan for alteration and repair

o of a residence already owned by the veteran and occupied as a home, or

o made in conjunction with a purchase loan on the property.

B. The alterations and repairs must be those ordinarily found on similar property of comparable value in the community

C. The cost of alterations and repairs to structures may be included in a loan for the purchase of improved property to the extent that their value supports the loan amount.

D. A supplemental loan is a loan for the alteration, improvement, or repair of a residential property. The residential property must

o secure an existing VA-guaranteed loan, and

o be owned and occupied by the veteran, or the veteran will reoccupy upon completion of major alterations, repairs, or improvements.

E. The alterations, improvements, or repairs must

o be for the purpose of substantially protecting or improving the basic livability or utility of the property, and

o be restricted primarily to the maintenance, replacement, improvement or acquisition of real property, including fixtures.

F. Installation of features such as barbecue pits, swimming pools, etc., does not meet this requirement.

G. No more than 30 percent of the loan proceeds may be used for the maintenance, replacement, improvement, repair or acquisition of nonfixtures or quasi-fixtures such as refrigeration, cooking, washing, and heating equipment, and the equipment must be related to or supplement the principal alteration for which the loan is proposed

H. A supplemental loan will require the prior approval of VA if

o the loan will be made by a lender who is not the holder of the currently guaranteed obligation

o the loan is to be made by a lender that does not have authority to close loans on an automatic basis, or

An oblige liable on the currently outstanding obligation will be released from personal liability by operation of law or otherwise

If this type of deal sounds appealing, submit your application to your loan officer and carefully walk through a dress rehearsal with everyone involved including an appraiser and a home inspector who are licensed and know what they are doing. This is another of many ways to convert your VA loan guaranty to a ticket to higher net worth. It is among the ways to get the most bang for your buck.

Caveat: this is an opinion of the author and not to be relied upon as a substitute for any advice offered by your lender who will be the final arbiter of everything discussed here.

Copyright 2009 © Thomas Kerns McKnight, JD, CMB

The VA Offers Loan Programs For Fixer Upper Homes
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Thomas McKnight
President VA Loan Trust
http://valoantrust.com
If you need more information regarding loans of this type please visit our website. If you need a loan of this type we can also help you obtain this loan through the VA.

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