Do You Need a Real Estate Law Firm?

Buying real estate is a big decision and is typically the largest transaction most buyers and sellers will make. The sale and purchase involves complex areas of law that do not apply anywhere else. You are not usually required to hire an attorney to represent your interests in the transaction; most deals can be closed without one. However, it is a good idea to use the services of a real estate law firm in a property transaction, even though it may increase the cost. Here are just a few of the situations where it is particularly important to seek the services of a real estate law firm.

Short Sale

A short sale is the sale of real estate for less than the amount owed on the mortgage. In other words, the seller comes up “short” on the money to pay off the loan. It is always a good idea for financially distressed homeowners who are considering a short sale to seek the services of a real estate law firm.

Qualifications

Typically, there are four qualifications for short sale: The market value must have dropped, the mortgage must be in or close to default, the vendor must be suffering a financial hardship, and the seller must not have other assets that could be used to pay the full balance of the loan. If the seller has any assets that could be used to pay off the loan in full, the lender may ask the vendor to liquidate them and make a contribution to the payoff. Some states protect vendors against this, and some things are not considered assets. A real estate law firm will fully evaluate the vendor’s situation, determine if the vendor qualifies and give legal advice as to how to best protect any assets the seller may have.

Lender Approval of the Sale

Additionally, it is critical for an attorney to secure the lender’s approval for a short sale and to negotiate the most protection for the vendor. Without the approval of the bank, or without ensuring the vendor is adequately protected from the mortgagee in the future, the bank may be able to obtain a deficiency judgment. If a deficiency judgment is obtained, the bank can still pursue the seller in some ways for the amount the bank was shorted. The bank may be able to garnish the dealer’s wages, or pull money from the vendor’s bank account. Unfortunately, this means that the seller not only loses his property, but also his protection from the bank in the future.

Successions

Often, more than one person has inherited rights to real property. When inherited property is bought or sold, many questions arise. The first question for both sellers and buyers is usually, “Who can sell the property?” Many times, the answer to this question requires a thorough title search. Both parties may have additional questions. What if some heirs don’t want to sell it? Can the property be partitioned and sold? Can the non-compliant heirs be forced to “buy out” the heirs that wish to sell? A real estate law firm can assist any party in ensuring that the transaction has met all legal requirements and that their rights are protected.

Commercial Entities

Sometimes, one or more of the parties to the transaction is a partnership, corporation, limited liability company, or another type of business entity. There are certain formalities and filings that must be completed for any purchase involving an immovable, but there are additional requirements when business entities are involved. Business entities must file specific documents to protect their interests. Additionally, the entity’s charters and by-laws must be adhered to. The attorneys will understand the structures of the various business entities and will be able to protect you and ensure that the charters and by-laws are honored.

Direct Sales Is the Best Way to Start a Home Based Business

Between the kids, your spouse, and your other responsibilities you barely have enough time to breathe let alone try to start a home based business. But your family could use the extra income and, even though things can get a little crazy at home, you would rather not get a job. Your only other option is to look at ways you can make money at home with a work at home business of some kind.The standard advice you’ll get from gurus about how to start a small home based business is to develop a business out of your existing skill set. For example, if you are a certified public accountant, then you would be encouraged to run an accounting business from your kitchen table.There several problems with this advice. First of all, what if you don’t want to make use of your current skills? What if the whole reason you quit your CPA job was because if you looked at one more ledger sheet you were going to scream? You will not be successful in a home based business you hate.Second, what if you don’t have any skills that you can draw from? You may be able to do lots of things but what if none of it could make you any money? If you took the advice of the gurus then you would have no business and still stuck at step one.But even if you could start a home business creating products or offering services for which you are fully skilled, is that really the best way to go?When you start a home based business, you are essentially beginning from scratch. There are numerous headaches involved with building a business from the ground up. Usually, there is licensing to obtain, product development and storage, customer acquisition, marketing and brand development, and a host of other things that must be done before your business gains the traction it needs to start making you money.Then there is the capital investment. Depending on the type of business you decide to create, you may have to invest thousands of dollars into your business before you even open your doors. The internet has made starting a home business easier and cheaper but if you don’t have any money, then you are still looking at putting in hundreds of hours of sweat equity.Lastly, most home based businesses are really work at home jobs in disguise. Since they require you to be actively involved in order to earn any money, your income will be tightly bound to the number of hours you work. This can be further complicated by the fact that you still have a household to run which means you may not have as much time available as you need to earn the income you want.A better way to start a home based business is to sign up with a direct sales opportunity. Otherwise known as network marketing, a direct sales business cuts out a lot of the challenges you face when trying to start a home based business from scratch. Investing in a direct sales opportunity is smart business because, you’ll have:* Less Startup Headaches – The company has already invested time and effort in getting the company off the ground. The products are created, marketing materials printed, and licenses purchased. All you have to do is find customers.* Lower Capital Investment – Instead of thousands of dollars, most direct sales businesses can be started with a hundred dollars or less.* Multiple Income Opportunities – In addition to selling the product directly, you will also be able to generate income through referrals and other passive income streams that help uncouple your time from your money. You’ll experience more personal freedom to do the things you want to do.If you are thinking about starting a home based business, don’t do it the hard way. Give yourself a leg up by joining a direct sales opportunity that will have you earning money right out of the gate. For more information on how I built my home based business, contact me. I’ll be more than happy to show you how I’m able to run a full time household and still make money in my business.

Running an Online Home-Based Business – Building The Mindset For Success

Ever had one of those days when you felt in control and knew that everything was going to go just right?

Well if you are doing business online, then this is what you will want to experience more often than not. You do not want to be mired in doubt, confusion or consternation about what you are about and what outcomes to expect.

Because running a home based online business exposes you to so much needless distraction, you want to have the type of mindset that minimizes the effects of this level of exposure.

Having a mindset with those characteristics will not come out of mere luck. It will emerge as a result of adopting some very important principles on how you run your online home based business.

Among the more important of these principles are:

* Defining your end-game as clear as possible. Because you know where the end zone is, then you know what to drive for.
* You know what the core of your business is. In one sentence you can describe what your business is about.
* You know what it takes to keep your business going and growing.
* You know what tools and systems you will need to run and support your business.
* You are focused on acquiring and using only those tools and do not get distracted by the promise of what seem dubious.
* You do not undermine your own efforts by skipping all over the internet looking for that magic bullet. You know the magic bullet is right there in the plans you have put together for your business.

And further, as you establish and base your actions on these principles you develop associated mantras to keep you tuned in to what you are really supposed to be about.

Here are some key mantras to help in this regard:

* I am online to run a business, not to chase business opportunities.

* Because I have chosen to chase only my business goals, I have conditioned my mind, my emotions and my resolve to react only to those resources that will result in me attaining those goals.

* Through my actions, I have to demonstrate to my subconscious that I have the utmost respect for my time, financial resources, my mindset and my skills.

* If I fully respect my time, financial resources, mindset, and skills then they in turn will create in me a level of focus that will allow me to attain a higher level of efficiency in my thinking and in my actions.

* My online business ventures and the tools that support them are the result of deliberate decisions on my part that are in keeping with my personal goals for my life.

Running an online business has unique challenges that call for a particular mindset if you are going to be successful. Pay as much attention to developing this mindset as you pay to developing your business plans.


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