In order to invest in trust deeds, it is important to understand how they work. The agreements involve three different roles. An investor lends money which is backed by collateral, usually in the form of property including land and, or buildings. The investor may buy an existing agreement or create a new one.
A borrower needs the cash. He or she may require the money to continue work on a project while awaiting a conventional loan from a financial institution. The borrower may not qualify for a traditional bank loan or may need money faster than the banks approval process allows. In other cases, these agreements may be the standard form of real estate lending in their jurisdiction.
These agreements are the most common method of financing real estate transactions in many states. In others, a mortgage is more common.
A trustee is the third person involved in the transaction who acts as a middle man. The trustee holds the title to the property on the lenders behalf until the loan is paid in full. If the borrower defaults on the loan, the property will belong to the lender. The trustee may also act as a negotiator if loan payments go into arrears.
The agreement essentially functions as a lien on the property. It is a legal document which must be registered with the courts and must include a legal description of the property being used as security, the amount of the loan, the principles involved, the maturity date of the loan and a description of penalties for late payments or failure to make payments.
Interest rates on the loans are set at market value, which is usually higher than the standard bank rate and generate more income. The investor receives regular interest payments and the loan principle is repaid when the loan matures.
The agreements are flexible so they can be traded or sold. Trust deeds are also a good form of monthly income. There may be more than one trust deed on a property. The first takes precedence over any others in settling claims.
Trust deeds are one of the safest forms of investment, but like all investments they are not totally risk free. Investors should carefully inspect the property being used as collateral to ensure the value is equal to or greater than the amount of the money being borrowed.
It is also important to know the laws and regulations governing foreclosures in the state in which the deed trust was drawn. There is a large discrepancy in the time allowed between the default of the loan and the ability to begin foreclosure proceeds. The time may range from two weeks up to six months. When a borrower declares bankruptcy the process may be delayed even further.
Taking the time to invest in trust deeds may be a profitable long term investment. It simply requires some planning and research.
One of the most intriguing and extremely interesting things that marketers are into is the rise of the Marketing Automation software where the techniques allow online businesses to help email marketing campaigns effectively use personalized and optimized content in converting web page visitors into purchasing customers. Basically, marketing automation could provide and generate significant profits and revenues to companies for a relatively better return of investment.
Marketing automation is not a simple feat to execute but combines with an extremely effective content or email marketing techniques, everything is possible. But marketers also have to understand that strategizing and hard work is essential to make the automation work its magic. Moreover, the understanding the marketing automation has in it all the tools for digital marketing and email marketing campaigns to generate leads and grow a profitable business is a misconception that needs to be corrected. With this thought email, marketers would often opt to buy email lists instead of generating well-targeted leads.
This marketing move is essentially for small businesses with limited resources and for those small companies which couldn’t hire a dedicated it to maintain and manage the company’s database. Pointing this out, it’s best for these companies to avail of free trials offered by marketing automation software sellers to be able to evaluate if automation would be effective for their business before actually buying the software.
Most email marketing campaigns would initially gain the best advantages from marketing automation as it is like adding growth enhancers rather than providing a solid foundation for the email marketing campaign. The use of marketing automation software cannot achieve its full potential if the essential components have not been properly completed and there are already leads that have been generated.
Reality is that when an online business starts to grow, it would really be more daunting to maintain customer engagement and it would be the best option to hire email marketing specialists or a marketing director who can focus on conversion programs. Hence, the entire marketing program would grow further and managing all the important components such as highly-optimized content creation, email marketing schemes, creation and updating email lists, establishing social media marketing techniques and sending emails to customers when blogs have been ported would need double the effort and hiring another marketing specialist would not really be the best option. The best thing to do at this point is to automate it.
To sum it all up, marketing automation software aids in streamlining, automating and measuring the efficiency and effectiveness of all the marketing tasks to help rev up the sales and ultimately the profit of the company. With the help of the automation software, online businesses could easily manage some other marketing processes such as the integration of the customer data and segmentation that could eventually help improve customer relationship. The software and its services are the best option to replace manual and recurrent marketing processes focused on email marketing campaign execution and management opening up all new marketing processes possible.
When a business wants to achieve successful marketing, it really doesn’t have to be complicated, but formulating and establishing a fail-safe and extremely efficient and effective marketing strategy is absolutely challenging. The competition gets tougher and more multifarious each day as competitors innovate and do their thing to overthrow and outshine the other brands.
For a fact, struggling new entrepreneurs should always bear in mind that there all marketing strategies are time-tested and has brought success to most dominant brands nowadays, but not a single marketing scheme would be effective for all businesses. There would be a need to tailor-fit and customize the marketing tactics for it to be applicable to specific businesses. And all these proven and tested marketing tactics could really be efficient if used and done right.
· Email Marketing. Though sending emails have been considered by some to really be a thing of the Jurassic Ages, email marketing strategies still remain on top in establishing brand credibility and powerful online presence and most importantly boosting the company’s profit beyond its margins. Emails sent to prospective clients could really get the company’s message across and allows them to engage with their email subscribers more effectively and converting them from customers to dedicated buyers. For most marketers, sending highly-optimized emails is the perfect way to make investments and do business with people.
· Affiliate Marketing. This marketing strategy has become really effective especially for well-established brands. As a business who engages in this type of marketing, paying for commissions for those who generate sales is the approach. By this, affiliate marketers could also get other people to promote and market the product for them on a commission basis. But, this marketing strategy also has its setbacks and one of them is that the overhead expenses on commissions and promotional stints will be more costly prompting the company to increase the pricing. Because of the relatively higher product price, competitors would have an edge. The best solution to this is to attract business partners to help expand the budget, to compute for the cost of affiliate commission and look into the lifetime value of the customers and to keep in mind long-term profits.
· Partnership is an option. As a business grows, marketing the products would be more demanding in terms of generating new leads and customers. And when this happens, the need to engage into a proficient strategic partnership would be essential to increase the advertising and promotional budget. Collaboration with a company related to the business would be a great idea like a clothing company merging or collaborating with accessories or footwear companies would open a plethora of sales opportunities; and the partnership would grow both businesses at the same time.
· Influencer marketing is something like the strategic partnership marketing strategy, but this makes use of popular people or celebrities to endorse the brand to pave the way for the business to reach audiences that are already highly-engaged. This would be something that can cost quite a large amount of money, but this marketing tactic would catalyze and leverage the sales and eventually bring the company booming revenues and marketing success.
Nothing floats my trading boat more than the subject of market timing. For nearly three decades now, I have dedicated my whole trading life to the discovery and application of amazing market timing techniques.
During this incredible journey into the world of esoteric discovery, I have been blessed numerous times for having an open mind when it comes to market forecasting. So often we are bombarded by the naysayers that market prediction with any valuable level of accuracy is impossible. Time and time again I have proven to those who have crossed my path that accurate market forecasting is not only possible, but being done week after week.
Of the many things I have come to discover during my research and studies in the field of market forecasting is that the markets do in fact tend to repeat certain patterns. What often boggles my mind is that much of technical analysis is based on a certain amount of pattern recognition that most accept as important, yet how these patterns repeat (cycles) is often shrugged off as unimportant.
Patterns repeat because of market cycles. The word ‘cycle’ itself is “a series of events that are regularly repeated.”
Each day is a 24-hour cycle based on the earth’s rotation. Each year is a cycle that can be divided into four 3-month periods referred to as the seasons, which is due to the earth’s relationship to the sun.
The daily cycle is marked by the sun coming up each day, going down each night, then repeating this cycle over and over again.
The yearly cycle is marked by the earth revolving around the sun, returning back to its starting point about every 365 daily cycles.
This basic explanation is easy to understand, where we have a very short-term cycle (days) that oscillates within a much larger cycle (years).
With seasonal analysis, we are looking for some regularity in market behavior based on the time of year that we can take advantage of for purposes of market timing. My many years researching market price action has proven to me that markets do tend to exhibit certain price tendencies during certain times of the year.
Here are some recent examples.
In the British Pound currency market, a bottom occurred on May 29, 2014. This year, a bottom occurred on June 1, 2015.
Now you might be thinking, “those are different days!” Yes, but if you look at your daily chart, you’ll find that June 1, 2015 is only one trading day after May 29, 2015!
Following this bottom, the British Pound made a higher daily swing bottom on June 4, 2014 and made a following top on June 19. This year a following higher bottom formed on June 5, 2015 and made a top on June 18!
Spend any time studying your charts and you will see for yourself that this is not some coincidence, but often occurs. So why do so many dismiss this method?
The biggest reason is that it is not 100% reliable, as if anything in trading is 100% reliable. There are going to be turns that occurred one year but not the next. Also, a bottom then does not mean a bottom now. The seasonal market timer is well aware that we are looking at ‘when’ price action changes direction, not necessarily whether it was a bottom or top in expectation that it will do the same ‘type’ of turn this time around. In the world of cycle analysis, there is a thing called ‘price inversion’, where the cycle pattern flips 180-degrees in phase.
The purpose of this article is not to make you a seasonal market timing expert, but to open your mind to the validity of market forecasting for market timing purposes. While seasonal timing is valid and powerful, it is only one method among many others that used together increases your potential for precision market timing and low risk trading.