30 easy ways to become a Money Magnet Starting TODAY!

 Learn to be a Money Magnet starting TODAY!

Worried about your lack of income, maxed out credit cards or extreme debt? The average American household carries over $10,000  in credit card debt, and that doesn't include student loans or home mortgages. It all starts with this moment and how you feel and relate to money. Respecting money and appreciating it can help bring more to you.

  

 

Here are 30 ways to save or make money starting today:

1. Talk about what you want to have versus what you haven't gotten. 
2. Take a potential mentor or advisor to coffee or lunch. But, don't overuse their time.
3. Read about finances and investing.
4. Ask for discounts every time you buy something. 
5. Use credit cards with the best rewards and switch to low interest cards.
6. Create clear financial goals.
7. Save 10 percent of everything you earn. Put it is a separate account.
8. Clean out your closet and donate used clothing.
9. Give money to a homeless person without expectation.
10. Write a thank you note to an organization, or person you appreciate and respect.
11. Start planning for the vacation you keep dreaming about.
12. Hang around financially abundant folks. 
13. Don't spend money to feel good. Learn to feel good about NOT spending money.
14. Put all your energy into faith that more money is on its way to you. 
15. Be grateful. 
16. Collect change from around the house. 
17. Sell stuff on Craigslist or eBay. 
18. Create products to sell online.
19. Switch phone providers. Or call your current one and ask for a discount.
20. Get rid of cable and use Netflix's or other similar services. 
21. Take advantage of rebates and coupons.
22. Ask for a raise.
23. Sell your old mobile phone and tech products. 
24. Freelance your talent and skills. 
25. House, baby or pet sit.
26. Let go of attachment to the outcome of your actions.
27. Focus on feeling secure in this moment.
28. Learn and forgive your past money mistakes.
29. Visualize yourself with financial abundance.
30.  Have faith more abundance is on its way.

Owing money can be frustrating, especially when you are worried about a steady income stream, but taking your attention off what's not working and focusing on an action plan can bring in money today.
Thanks for listening. To get more information on gaining wealth and success, email us for our comprehensive book on "How To Become a Money Magnet TODAY!"  Finances On Fire - eBooks

Please visit our sponsor at www.ePrequal.com. Get preapproved to buy a home in minutes online FREE. No Waiting and No Sales Hassle.

Buy a Home in Palm Springs / Palm Desert and be warm all winter!

Are you freezing out another snowy winter in a cold weather state?

Buy a winter vacation or permanent home in Palm Springs/Palm Desert areas.  Fly directly to Palm Springs International airport with convenient daily flight schedules from most major cities . We will meet you at the airport or your hotel and take you on a tour of the many lovely golf course and desert style homes. Get your little bit of paradise before the prices get too high again.





Go to www.1californiahomes.com and view hundreds of homes for sale in Palm Springs.



Real Estate Broker Dave Van Waldick discusses Golf Course living in So. Cal. 

Get a comfortable one story home on the golf course, or on a private desert lot. With beautiful hardwood or cool tile floors, spacious kitchens with breakfast nooks, granite counter tops & lots of cabinetry, and spacious master and guest bedrooms. All with plenty of outdoor cooking and living area for those warm days and balmy evenings.

Palm Springs, Palm Desert, La Quinta, and the Coachella Valley are beautiful vibrant communities close to the exciting points of interest along California's magnificent coastline. Visit San Diego and Mexico to the south, and Orange County and Los Angeles to the North. Go from the desert to the ocean, or the mountains above to fill years of spectacular viewing and easy travel.

There is wonderful dining, shopping, sightseeing, hiking trails, road and mountain biking, on and of course many world famous golf courses.  Don't spend another winter in the freezing cold and snow, when you could be laying by the pool and golfing from November thru June in temperatures that range from 70-90 degrees and warm dry desert breezes. All at affordable prices.

Email or call today and let us work for you to find the home you want. We can also get you loan preapproved in minutes online 24/7, through our free, easy to use, proprietary mortgage preapproval system at www.ePrequal.com. We will have you submitting offers in minutes with our eHomePurchase quick offer system.

Ask about our Total Buyer Solutions and get up to $10,000 in commission rebates.

Contact Dave Van Waldick
Managing Broker/Realtor®
Western Realty Associates
Ca DRE# 01065844 / NMLS#345616
(888) 930-4223

A Veteran Owned Brokerage

Why use Western Realty to buy or sell a home!

Western Realty Associates has been a locally owned brokerage for over 20 years. Our experienced agents will find you the right home in the La Costa - Carlsbad areas, and guide you through changing lifestyle choices. And if you are seeing todays market as a great income opportunity, we can help identify and analyze income property options that generate stable and predictable rents, and potential value appreciation through moderate remodelling activity all at the right price!



Another SOLD Home by Western Realty Associates!
Spacious 4 Bedroom on Aviara Golf Course.

At Western Realty, our lengthy experience in North San Diego county housing and financing, and deep understanding of real estate goes past the sales process. We look beyond the house and neighborhood and into the potential to make it your HOME. We use this knowledge to show our buyers how to measure the value of the home and it's features and benefits that meet your needs. Basically, how to change someone else's old home into your happy new home.

This knowledge, combined with our 10 point service guarantee (ask us!), is why to choose Western Realty Associates. It's a promise to always be there when you need us, to be hands-on at every stage of the process, and to constantly communicate what is happening. We are committed to helping you make smart and well-informed decisions.

In a complex real estate market, Western Realty Associates is up to the challenge.
Call us today to discuss your home buying, selling, or financing needs.

Get up to $10,000 in commission rebates! Ask about our Total Home Ownership Solution.

Dave Van Waldick
Managing Broker / REALTOR®
Western Realty Associates
Off/Cell: 760-672-0145
Sales | Financing | Investments | Consulting
CA DRE# 01065844 / NMLS# 345616

"As Real Estate Experts, we provide an integrated suite of strategic home ownership solutions."
"A Veteran Owned Company"

How to Start or Grow a Small Business

Want to Start or Grow a Business? This easy to follow guide will help get you there.

While the below list will not get you an MBA or impress an employer, it will provide the daily guide on how to start or grow any company that has a product or service to sell.
Millions of entrepreneurs have great skills and background in their chosen profession or business. However, what they truly lack is just a few simple procedures and resources. the below list of daily, weekly, monthly routine actions and guides, along with a massive amount of effort and focus on the end goal of making a living at what you do or love, will ensure that at the very least, you are doing 90% of the right things. From there it is a matter of trying new actions and watching for feedback from the sales or personal reactions you are trying to grow.

Ok, here we go:
1. Develop a summary business and marketing plan, and P and L.
2. Partner with a product provider that meets the need.
3. Partner with a marketing partner(s) who has a large client base.
4. Ask for help from those who are qualified to give it.
5. Find a mentor who can lead you where you want to go.
6. Serve clients, employees, and partners.
7. Ask for compensation and investment capital to grow.
8. Develop an exit strategy to sell and monetize.
9. Stay up to date by daily reading and research.
10. Stay focused on the goal.
11. Daily exercise.
12. Eat right.
13. Sleep well
14. Daily spiritual time to read, pray, daydream,
15. Treat others well in and outside the business.
16. Help someone else make improvement in their life.
17. Challenge yourself and others to be better each day.
18. Take care of yourself and those around you.
19. Tell someone you love that they are special.
20. Be thankful daily for what you have received thus far.

                   Homes | Loans | Investments Advisors

This list of actions seems quite simple, and at the core all these are very achievable by almost anyone. The difference between successfully growing your mortgage or real estate business and just spending time and money is having an overall daily plan and working relentlessly on that plan.

Good luck with your business growth plan.

David Van Waldick

President
Western Associates
Cell: 760-672-0145
EM: dave@wrfco.com
701 Palomar Airport Rd., #300 | Carlsbad Ca. 92011
BRE#01065844 / NMLS#345616

“Building Wealth One Client at a Time”

The Quick Sale Listing Strategy - Close in 15 days!

 Preapproving your home for a 15 day sale!

Western Realty Associates, a California based residential real estate brokerage for 20 years, has addressed the fast paced Ca. housing market conditions with low inventory, multiple offers, and shortened time lines. "We have come up with a listing and sale strategy that will shorten the listing and sale to close cycle to as low as 15 days, with no problem." The strategy is to make the seller’s home data as transparent as possible to perspective buyers so they have little or no unanswered questions about the condition, terms, or closing considerations when first making the offer.

The traditional listing, offer, and due diligence periods are just out dated, slow, and in most cases cause the seller additional negotiations and frustrations, as well as leave both parties in limbo for extended periods as long as 17 days or more due to a back loaded process.



Sold in 21 Days!

Our new strategy and process accomplishes exactly the opposite and by providing 100% upfront transparency. Before the home even gets placed in the local MLS as for sale, we front load the process so we have all seller disclosures, inspections, reports, and lenders appraisal in hand, so that any buyer and agent can review them entirely BEFORE submitting their offer. This front loaded process, ensures all information necessary to make an informed offer is immediately available. And reduces the contingency requirements down to as little as zero days, and no more than 5 days. This efficient and complete upfront process also gives our office the ability to handle listings in any market location even far from our main office as ALL the pricing, disclosures, and due diligence is done ahead of the home coning to market. At the time of listing, we are as informed about the property and local market conditions as any local agent and probably better.

Below is the outline and explanation of how each step of the pre-listing, report ordering, property pre-approval, are completed before placing listing in the local MLS for buyer offers.

 

a.       Property listing preparation: (15-60 days)

·         Property is viewed by Listing Agent “LA” to determine general condition.

·         LA determines closest possible actual selling price and sets that with sellers.

·         LA and seller discuss general strategy for repairs, clean up, staging, etc.

·   Can be none, some, or all, depending on home and desired outcome.

·         LA lines up all vendor affiliates who will assist in preparing home for market

·   Determines vendor, service prices, budget for any repairs, and how to be billed.

·   Inspections, reports, repairs, staging should be billed to escrow when possible. Some billing premium may be experienced due to deferring payment for provider.

·         LA and seller sign Quick Sale Listing Agreement with above items agreed.

b.      Pre-listing Disclosure, inspections, reports:

·         Seller disclosures drawn and signed

·         Lock Box placed

·         Pest Inspection ordered and completed. – Results reviewed for work or no?

·         Home Inspection ordered and completed – Reviewed with seller for repairs or no?*

·         Escrow opened – Estimated HUD requested with assumed terms at list price 10% down payment, conventional loan at market rate, zero points, $1500 in buyer costs, no seller credits, close in 21 days.
(*Seller to pay thru escrow home inspection cost, and any agreed on repairs.)

·         Preliminary title report ordered.

·         Appraisal ordered by lender affiliate and review for acceptance.

    ·   Lender to set up assumed buyer profile for “pre-approving buyers”

c.       Listing  - Listing Agreement with Price is prepared and Signed

·         As per LA and seller prior discussion, the listing agreement with signed pre-listing plan attached as addendum, is drawn and signed.

d.      Offer  - Offer review and acceptance guidelines:

·         Offer to be within $5,000 of list price to be acceptable for review.

·   Buyers to review all reports BEFORE submitting offer. Sign as reviewed.

·   Buyer confirmation of acceptance within 24 hours of receipt.

·   All contingencies except loan within 2 days of accepted offer.

·   Appraisal and Loan contingency removal within 7 days of accepted offer.

·         Loan - If buyer lender cannot perform, buyer is offered our lender (optional to remain within RESPA). Our lender will give 72 hour approval and 7 day contingency removal.

·         Close of Escrow to be 15-21 days from date of accepted offer.

Reports, Inspections, and terms of offers will be posted online and viewable by all buyers/or agents with a code for viewing. Transaction / Loan Processing Team to handle document posting and viewing duties as “property preapproval” Listing Coordination upfront service.

II. Service Affiliates Checklist: (complete list and order service before placing home in MLS).

            Listing Agency: 

            Lender:  

            Escrow Company:  

            Title Company:

            Home Inspection Firm:

            Pest Inspection: 

            Appraisal Firm: 

            Home Insurance:
            Home Warranty:

To list your home for sale, or to learn about the revolutionary No Haggle Listing process, email sales@wrfco.com, or call their Carlsbad office at 760-599-1261, or just visit www.1Californiahomes.com.

How Important is getting Pre-approved for a Home Loan

How important is a mortgage pre-approval when trying to buy a home? The short answer is "very important". Read further to understand the process and importance so you won't be disappointed later by not having done so.  If you take the time to be pre-approved for a home loan, it can give you an edge over other buyers who may be interested in the same home or condo who perhaps aren't financially stable, or are just not ready. If you do therefore take the large step of being pre-approved for a mortgage loan, it's an indication to the home owner that you are serious about buying his / her home and not just bargaining to find a steal!

What you need to do to get a pre-approval for a Mortgage Loan?
The first step is an honest evaluation of your financial situation. Add up a list of all your assets comprising your cash, stocks, mutual funds, bonds, savings, IRAs, and any other investment and then deduct all the loans and payments that you have to make. This amount will indicate what kind of house you can afford.

Remember - there are additional expenses while buying a house. This will give you a realistic picture of just how much you can comfortably borrow and how much you will qualify to borrow. Once you know how much mortgage loan you can afford, you can make offers and when you have an accepted offer in hand, you can revisit the lender and complete the final underwriting process. This will include updating data already provided such as recent pay stubs, bank statements, tax returns, etc. In addition, at this time the lender will order an appraisal, which in most cases you the buyer will pay for. When all the underwriting documents and the appraisal have been reviewed and approved by the underwriter, the lender will allow you to get loan documents for signing which they typically send to the escrow company for you to come in and sign.




ePrequal.com - Home Buying Solutions

ePrequal.com's Automated Underwriting and Loan Offer System "AUTOLUS',  is popular because you pre-approve yourself for the loan you need to buy the home you want. In minutes you have all the answers you need including; A personalized Preapproval Letter with the amount and terms you requested, A Financial Analysis of the transaction showing the assumed purchase terms, the new loan payments, interest rates, detailed closing costs, and the debt to income qualifying ratio analysis exactly as the underwriter will use. You also receive up to 4 loan offers based on your qualifying criteria. AND, ePrequal.com provides a Home Approval Warranty Statement that assures you of getting a loan or any out of pocket expenses up to $1,000 will be reimbursed upon submitting a claim. ePrequal.com is like having an experienced Loan Officer and Underwriter at your fingertips 24/7! All FREE. No waiting and No sales pressure.
That makes it easier for you narrow down the loan and terms you need quickly.

Pre-approved means a commitment from a mortgage lender once you have filled out an application for a home mortgage loan and your details have been verified. These details will include credit report from the three largest credit reporting agencies - Equifax, Experian and Trans Union Corp. Most online applications go through this pre-approval process.

If your credit score is below 640, that does not necessarily mean you will not be pre-approved for a home loan. All lenders will now ask for additional details like your salary statement, bank statements, W2 etc. Also, a willing lender will ask questions about the reasons why the credit score is low and why there collection records in your credit report. Higher down payments or a co-borrower with good credit can often provide the final push to get you to the finish line and be loan approved.


Being pre-approved puts you in a better position as serious buyer and your negotiations maybe considered more seriously than other potential buyer who is not pre-approved for a home mortgage. Usually the pre-approval letter has an expiry date. A lot of times the expiry date for the pre-approval letter could be 3 months.

In conclusion, it is best to be pre-approved for a mortgage loan. Be realistic about the amount of home loan you can afford. It is better to live a little below your means than to borrow more than you can afford. There are additional expenses involved while buying a home so you need to factor that into your house loan. So, be prepared when you apply for home mortgage loan pre-approval.



Your New Home is Waiting for You!

 

The author David Van Waldick, is CEO of ePrequal.com.
He is a 25 year experienced mortgage broker, real estate broker, and home buying expert with over 1,000 successfully closed transactions  nationwide.To discover more about home loan approval, mortgages, home buying solutions, home equity, mortgage rates, mortgage calculator etc. visit www.ePrequal.com.

 

Home Owners For Hope Foundation

Dave Van Waldick recently started a non-profit organization called Homeowners For Hope Foundation, to help voice the frustrations of millions of Americans at risk of foreclosure in the next 6-12 months. This after the government gave $120 BILLION dollars to the 4 major banks (B of A, Wells Fargo, Chase, and Citi) to help homeowners, the banks continue to ignore, confuse, and intimidate homeowners so they can be more profitable.




Dave recently organized and led a home owner support rally in downtown San Diego in front of Chase Bank. With supporters holding signs and walking in demonstration they were able to attract local news Channels 10 and 4 for interviews. Channel 10 news anchor Steve Fiorini and his crew spend almost an hour interviewing the H4H.org group, as well as noontime pedestrians and homeowners who have been foreclosed on. We thank the news stations for the coverage and support of millions of hard working taxpayers who only want to prevent losing their homes to foreclosure and move on with taking care of their families and re-gaining financial stabilty.

Why Aren’t Lenders Doing More Loan Modifications?

What type of help can be expected from the lenders and servicers?
Typically, when a borrower falls behind on a mortgage, there are few programs available to help them get current. Refinances are generally out of the question, and bankruptcy is not a viable option for most people. What can homeowners then expect from the Servicer?

Read more here: http://tinyurl.com/nc6kew