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<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>Home Based Business</title> <atom:link href="http://aaaubms.info/feed" rel="self" type="application/rss+xml" /> <link>https://aaaubms.info</link> <description></description> <lastBuildDate>Tue, 22 Aug 2023 03:49:35 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>Biggest Mistake When Starting An Online Business!</title> <link>https://aaaubms.info/biggest-mistake-when-starting-an-online-business-2.html</link> <comments>https://aaaubms.info/biggest-mistake-when-starting-an-online-business-2.html#comments</comments> <pubDate>Sat, 13 May 2023 12:00:18 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[best business ideas]]></category> <category><![CDATA[best online business]]></category> <category><![CDATA[best online business ideas]]></category> <category><![CDATA[best online business to start]]></category> <category><![CDATA[business ideas]]></category> <category><![CDATA[how to make money online]]></category> <category><![CDATA[make money online]]></category> <category><![CDATA[online business]]></category> <category><![CDATA[online business from home]]></category> <category><![CDATA[online business ideas]]></category> <category><![CDATA[small business ideas]]></category> <category><![CDATA[start an online business]]></category> <category><![CDATA[start online business]]></category> <category><![CDATA[starting an online business]]></category> <guid isPermaLink="false">http://aaaubms.info/?p=71</guid> <description><![CDATA[Are You Ready To Face The Hard Truth?Affiliate marketing is a great way to start an online business. Many successful online business owners have used affiliate marketing to launch their online businesses. After achieving a certain level of success, they specialize in their interests and start other businesses.I know of affiliate marketers who have achieved [...]]]></description> <content:encoded><![CDATA[<p> Are You Ready To Face The Hard Truth?Affiliate marketing is a great way to start an online business. Many successful online business owners have used affiliate marketing to launch their online businesses. After achieving a certain level of success, they specialize in their interests and start other businesses.I know of affiliate marketers who have achieved high incomes; however, even though it may be a great way to get started this should not be assumed it is easy.Affiliate marketing is not easy, although you can find mentors who will help and guide you so you can prevent making the mistakes, which in itself will accelerate your learning curve. However, there is still going to be a learning curve and a lot of work.One of the biggest misconceptions I believe out there in starting a business online is, ‘people set up and affiliate program or website and then sit back and expect the money to roll in.’Although to most this seems ludicrous. Yes, you will be correct in thinking that this type of thinking is ludicrous, people are still doing it, and subconsciously this is precisely how they think.They set up their affiliate program, website or blog, then start doing excellent work. As the results aren’t quick enough, they become distracted by the next big thing or stop believing that this business they have just started will work.There are good reasons for people to have this behaviour and belief system. The internet business opportunities have taught people for years about money-making opportunities and get rich quick schemes that have littered the internet since time began, (online that is).The making money online it’s easy, sit back and watch the money roll in, earn millions while sleeping or working ten minutes – all these tag lines.These taglines are correct, but only after a lot of work has done to set this business up to be at a stage where you will be making money in your sleep, etc.The reality is, if you want to start a business online, start making money online – you are going to have to put in a lot of work. Yes, you read correctly. You are going to have to put in a lot of work. Let’s face it. You are starting a business. Especially in beginning a business you are going to have to do a lot of work to get it up and running.There is going to have to be an investment. This investment would either be time, money or a combination of both. Just remember you are starting a business. Starting by not investing a lot of money – you would need to spend a lot of time. The reverse is true. The best option in my experience and from the mentors I follow is a little of both – time and money.Good mentors will help and guidance along the process, saving a lot of hassle, time and financial waste. However, you will need to be able to find these mentors, that could be difficult enough with every other website promising the world on a push button get rich quick scheme.I am thankful for being introduced to my mentor and have not looked back. When I met him, he told me I was going to have to do a lot of work. He didn’t shy away from this fact. I will have to put in the time. He also told me very clearly that I will have to invest some money.After all, I am starting a business, and these are two aspects many don’t mention or want to hear. The result is they get caught out and lose interest or end up losing money, wasting a whole lot of time only to have nothing to show for it. Therefore in the process, their confidence in any future online business in tatters.So if you can be honest with your self, you admit that you are going to have to put in some real work and invest some money. If you understand this simple point, you already have an advantage over most people who start online.Surprisingly today, people are still looking for that golden egg or easy money.No, it is not all doom and gloom. Although I don’t think that what I have just shared is doom and gloom, instead it should be a breath of fresh air and should fill you with excitement as I have just told you that if you are willing to put in the work and invest some money and stick with it, you will be successful.Now mentors like mine who have genuinely been successful in the area that they teach and have a passion for teaching others are invaluable to people who want to start a business online. You will be able to learn how to do things the right way rather than have to figure it out yourself. They will have developed processes and tools that they pass on to speed up the process and help build, once again, you don’t have to improve. However, more importantly, they will be able to guide and mentor you and invite you into the community they have created where people are helping each other to achieve their online business goals.Let’s admit it the first time you mentioned that you were starting an online business to your closest and dearest, be honest they were probably not that supportive and filled with excitement. Now that alone is one step closer to defeat for your online business dreams. However, with a ready-made community that are all interested in you succeeding in your online business goals and more often than not can help and guide you along the path to success, continuously encouraging and supporting you.If you would like to get introduced to my mentor who will tell you like it is, he will show you how to genuinely start and achieve success then click on the link below. I will send you a three-part video training from him that will show you the quality of the mentorship you will get, and it will show you the quality of the training you will get. It will show you the honesty and easy to follow precise instructions.I highly recommend this great community, combined with the mentoring program. I have personally been trying to achieve success on the internet for many years. I have fallen for probably close to every scam, which eventually crushed my goals of ever having a business online. A guy introduced me to my mentor through this same video training I am offering you right now for free. Have a look and make your mind up. All the best with your online business endeavour, I sincerely hope you can put in the necessary work and achieve the success you desire for yourself and your family.P.S.With this mentorship program, you will not get forced into selling their products and services. What I liked most of all is that the strategies they teach they even encourage you to focus on your interests and passions and start your business in those spaces through their mentoring. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://aaaubms.info/biggest-mistake-when-starting-an-online-business-2.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Telecommunications Planning: The ABC’s of an Integrated Telecommunications Construction Plan</title> <link>https://aaaubms.info/telecommunications-planning-the-abcs-of-an-integrated-telecommunications-construction-plan.html</link> <comments>https://aaaubms.info/telecommunications-planning-the-abcs-of-an-integrated-telecommunications-construction-plan.html#comments</comments> <pubDate>Fri, 12 May 2023 04:00:40 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Telecommunications]]></category> <guid isPermaLink="false">http://aaaubms.info/?p=67</guid> <description><![CDATA[The biggest challenge for any business is providing supply for market demand at a price that is beneficial to the supplier and the demander. When you work in an industry that requires infrastructure to provide a service, this equation becomes much more complex.In July 2002, Verizon Wireless became the first major telecommunications provider in the [...]]]></description> <content:encoded><![CDATA[<p> The biggest challenge for any business is providing supply for market demand at a price that is beneficial to the supplier and the demander. When you work in an industry that requires infrastructure to provide a service, this equation becomes much more complex.In July 2002, Verizon Wireless became the first major telecommunications provider in the United States to launch a 3G wireless network. As the demand of subscribers continues to evolve into being more focused on data intensive services and the speed of data availability, the importance of network upgrades and investments to support this progression has resulted in significant capital expenditures by wireless companies.As networks continue to grow so does the demand for a strong, well planned telecommunications infrastructure strategy. Unfortunately with advancing 4G technology from 2G and 3G telecommunications hubs, the need for the 3G and 2G telecommunications equipment is quickly going the way of the dodo. Fortunately there are businesses that have the capability and the infrastructure to facilitate the decommissioning of antiquated equipment and handle the telecommunications planning, construction, setup of new telecommunications equipment and the logistics that go along with it.Here are the ABC’s of an integrative approach to telecommunications construction:All-Inclusive Project ManagementAn integrative approach to telecommunications equipment construction takes into account every aspect of the construction from start to finish. This ensures that each step in the process is considered when planning the project scope, timeframe and budget. Try and find a firm that can provide an integrated turnkey construction approach for telecom sites, which helps develop efficiencies. The integrative approach decreases the number of parties involved in planning and diminishes the probability of miscommunication.Better Value An integrative approach can give you better bang for your buck because they can integrate the most cost effective components and equipment. When you’re working with an integrated company they can acquire resources that fit the project scope and budget.ConvenienceAn integrative telecommunications solution provider gives you the added benefit of convenience. You’ll be working with one company. This makes life easier for telecommunications companies and/or engineers who have to manage the large construction projects associated with expanding 4G networks or contracting 2G and 3G networks. That’s one project manager, one schedule and one budget.If you’re trying to decide whether or not your business needs to decommission and upgrade your telecommunications equipment, keep these ABC’s in mind when you make that decision. </p>]]></content:encoded> <wfw:commentRss>https://aaaubms.info/telecommunications-planning-the-abcs-of-an-integrated-telecommunications-construction-plan.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Importance of Keeping Up With Finance News</title> <link>https://aaaubms.info/the-importance-of-keeping-up-with-finance-news.html</link> <comments>https://aaaubms.info/the-importance-of-keeping-up-with-finance-news.html#comments</comments> <pubDate>Thu, 11 May 2023 13:41:32 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[basic finance]]></category> <category><![CDATA[Finance]]></category> <category><![CDATA[finance basics]]></category> <category><![CDATA[finance books]]></category> <category><![CDATA[finance bros]]></category> <category><![CDATA[finance career]]></category> <category><![CDATA[finance degree]]></category> <category><![CDATA[finance frauds]]></category> <category><![CDATA[finance kya hai]]></category> <category><![CDATA[finance major]]></category> <category><![CDATA[finance meaning]]></category> <category><![CDATA[finance news]]></category> <category><![CDATA[finance shorts]]></category> <category><![CDATA[finance stock]]></category> <category><![CDATA[finance with sharan]]></category> <category><![CDATA[fix finances]]></category> <category><![CDATA[fix my finance]]></category> <category><![CDATA[learn finance]]></category> <category><![CDATA[mba finance]]></category> <category><![CDATA[mba finance jobs]]></category> <category><![CDATA[mba in finance]]></category> <category><![CDATA[Personal Finance]]></category> <category><![CDATA[public finance]]></category> <category><![CDATA[raga finance]]></category> <category><![CDATA[study finance]]></category> <category><![CDATA[what is finance]]></category> <category><![CDATA[yahoo finance]]></category> <category><![CDATA[yahoo finance premium]]></category> <guid isPermaLink="false">http://aaaubms.info/?p=65</guid> <description><![CDATA[The modern world has numerous intricacies to it compounded by the realities of globalization and rapid technological advancements. What this means is that no one can decide to remain ignorant of their environment and all that is going on around the world as this directly or in directly affects our lives. Many people have always [...]]]></description> <content:encoded><![CDATA[<p> The modern world has numerous intricacies to it compounded by the realities of globalization and rapid technological advancements. What this means is that no one can decide to remain ignorant of their environment and all that is going on around the world as this directly or in directly affects our lives. Many people have always regarded financial issues as a preserve of the financial gurus and those who specialize in finance issues. Acquiring the knowledge of financial matters, at least the general matters, is essential for everyone.Finance news keep you abreast with developments in various critical sectors of the either the national or international economy. For instance if you may want to keep abreast with opportunities that exist for you in domains like forex trader then you need to know what is happening in line with developments of the volatile stock market and money markets. On another front you may want to know where there are affordable foreclosure properties that you can makes the most of to get yourself that dream real estate property as your residence or for investment.Many people are getting hands on with financial matters because it does not really take an expert to get into financial trade circle and the make the most of what the industry can offer. What happens in the finance world affects your life directly it does not matter if it happens on a national scale or international locale. The fact is that the global economy in intertwined such that financial matters in the Australia economy for instance may affect the whole of the global financial landscape, which has an impact on the state of the economies, inflation, interest rate, etc. These are kinds of issues that get to affect you directly.Keeping abreast with financial developments has been quiet a critically important aspect in the recent global economic meltdown. The global financial sector has been riddled with negative developments which cost some people huge profits from various business ventures. Keeping up with finance news helped people to stay on the look out and alert on the next move to do for instance in terms of example selling property, buying a property, getting a bank loan etc. the principle of keeping pace with financial developments is very important especially for entrepreneur who want to keep a close eye on the financial developments every second in order to position themselves for expediency and survival. </p>]]></content:encoded> <wfw:commentRss>https://aaaubms.info/the-importance-of-keeping-up-with-finance-news.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Flyer Printing – The Ultimate Guide to Flyers & Print Advertising</title> <link>https://aaaubms.info/flyer-printing-the-ultimate-guide-to-flyers-print-advertising.html</link> <comments>https://aaaubms.info/flyer-printing-the-ultimate-guide-to-flyers-print-advertising.html#comments</comments> <pubDate>Thu, 11 May 2023 08:51:07 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[advertising]]></category> <category><![CDATA[advertising agency]]></category> <category><![CDATA[advertising basics]]></category> <category><![CDATA[advertising concepts]]></category> <category><![CDATA[advertising fails]]></category> <category><![CDATA[advertising industry]]></category> <category><![CDATA[advertising space]]></category> <category><![CDATA[advertising week]]></category> <category><![CDATA[best advertising]]></category> <category><![CDATA[children advertising]]></category> <category><![CDATA[creative advertising]]></category> <category><![CDATA[digital advertising]]></category> <category><![CDATA[facebook advertising]]></category> <category><![CDATA[false advertising]]></category> <category><![CDATA[online advertising]]></category> <category><![CDATA[targeted advertising]]></category> <category><![CDATA[tv advertising]]></category> <category><![CDATA[visual advertising]]></category> <category><![CDATA[what is advertising]]></category> <guid isPermaLink="false">http://aaaubms.info/?p=62</guid> <description><![CDATA[Print advertisements, such as color flyers, continue to generate cash flow and develop new revenue streams for virtually every industry. Every business that has developed into an industry leader over the last several decades, did so by utilizing key concepts in advertising that have evolved from very humble beginnings. Not all advertising works, so it [...]]]></description> <content:encoded><![CDATA[<p> Print advertisements, such as color flyers, continue to generate cash flow and develop new revenue streams for virtually every industry. Every business that has developed into an industry leader over the last several decades, did so by utilizing key concepts in advertising that have evolved from very humble beginnings. Not all advertising works, so it is extremely important to understand how ads work, why some succeed while others fail, and what your ads should consist of to generate the maximize ROI.The Birth of Modern Advertising:<br />Although there were always market vendors from the early days of ‘civilization’ who would stand in the marketplace ‘crying’ their wares, it wasn’t until the advent of the printing press that printed advertising as we know it today came into being. In the very beginning, advertising was nothing more than a single line of copy in the newspaper that perhaps listed the product, the price and a very simple description. Among scholars, it is held that this form of printed advertising first appeared somewhere in the latter part of the 17th century. As time went on, and as the technology of printing progressed, color was added and at some point simple graphics evolved into photographic images.For the next almost 200 years printed advertising remained pretty much the same. A single line of copy or perhaps a small block of text was all that consumers were likely to see in their local papers. That is until Thomas Barratt, who married into the family of the famous Pears Soap Empire, decided to launch an aggressive advertising campaign to promote their product to the rising middle class who finally had buying power. In the beginning, Pears Soap had been marketed to a small portion of the population, the elite who could afford an expensive, handcrafted scented soap that was suitable for their ivory complexions. Now that the working middle class was a viable market, and knowing that he had to ‘reach’ them in order to keep his family business afloat, Barratt set about formulating a marketing strategy that would reach the masses. They revamped their production lines in order to make Pears Soap affordable to the average consumer and set about developing an aggressive marketing campaign to reach that demographic. Thomas Barratt is famous for his cherubic children in the Pears Soap advertisements, many of which we still recognize to this very day. Because of his aggressive marketing strategies and innovative use of print, he is often considered to be the “Father of Modern Advertising.”During WWI, to offset the rising costs of advertising, the philosophy of creating a need was introduced to the masses. Companies begain creating “perceived needs.” For the first time, all of the strategies which are now tried and tested advertising methodologies, were melded together and distributed to consumers. The rest is history. The 3 key elements of print advertising are:1. Reach the maximum amount of potential customers at the lowest cost possible<br />2. Design aesthetically pleasing or response-driving artwork<br />3. Create a need for your product/service while offering “irresistable” benefits to consumersToday’s flyer printing and advertising still focuses on these key strategies, which have been proven to work using decades worth of statistics. Technologies, products, and services change over time, however, human needs and response criteria remain largely the same over time.Let’s put history to work to visualize the success of the 3 Keys. For example, consider Burger King and McDonald’s. They dominate the fast-food market for their niche and they got there by reaching a huge market with advertising that was eye-catching and created a need. During the latter half of the 20th century commerce was booming and the average family was living life in the fast lane. Both corporations capitalized on this fast-paced environment by employing ads that were appealing to the eye, while also playing on the need that they were creating. The message is simple, “you are important.” In other words, “you deserve to do things for yourself and take time away from your busy lifestyle.”McDonald’s still uses the ‘Golden Arches’ whicht symbolize a place where life is idyllic and a far cry from the hectic life that people are forced to endure to make ends meet. “You deserve a break today at McDonald’s. We do it all for you.” Their impressive advertising strategy planted a seed in the heads of consumers that they deserve to take a break and let someone take over at least one of their daily tasks – cooking.The same hold’s true with the marketing strategy employed by Burger King. “Have it your way!” The message being, you answer to a boss, you answer to your family and you are bogged down with responsibilities, so now it is time to do what you want for a change. You deserve to have it ‘your way,’ and, of course, since you should be treated like a king/queen, there is a subliminal message in the famous BK crown.All 3 Key strategies were employed by both mega-corporations early on, and as you can see, literally launched them to the very top of the fast-food market. They launched national advertising campaigns(Key #1) with pleasing advertisement designs<br />(Key #2) to create a need<br />(Key #3) in the lives of mass consumers.Avoid Common Misconceptions in Flyer Printing by Researching Demographics<br />One of the most common misconceptions that business owners have when creating flyers is to think that designing a flyer based on the ’3 Keys to Success’ is all there is to it. There are actually other ‘steps’ that should be taken prior to creating your campaign. It is a huge mistake to believe that an ‘eye-catching’ flyer that reaches a ‘maximum number of people’ and creates a ‘need’ is all there is to it. One of the factors that should be considered is researching the demographics in a specific market area before launching your campaign or none of those three keys will fit the lock! In other words, targeted marketing is the “true” key to success.Understand your market demographics to make the 3 keys work for you!<br />Look at this research which paid off for McDonald’s and Burger King – big time. At the time of their rise to fame, market analysis was simple and provided basic insight into the lifestyles of the consumers they were trying to reach. It is apparent that their advertising campaigns focused on the working middle class who were overwhelmed with work at relatively low wages. There were definite psychological tactics employed that wouldn’t have been effective if their ads didn’t reach the right people with the right message. You can’t create a need where there is no void to fill. It is as simple as that.Take a good long look at the product or service you are selling, find a demographic that has a void that you can fill, and target them with amazing advertisements. Create and distribute your flyer printing campaign to reach as many targeted customers as possible, make it appealing so it catches their eye, and then set about filling the void you have discovered by creating or emphasizing a need. If you don’t have the resources to do the research in your market area, there is an age-old trick that enables you to ‘borrow’ research that has already proven to be effective. It’s so obvious that it is easy to miss, it’s called “analyzing what your competitors use.”Take a look at the two burger empires to see just how effective it is to ‘borrow’ what is working for your competition! It doesn’t really matter which corporation did the actual market analysis first, the point is that one of them found a void, filled it by creating a need, and launched an all out advertising campaign that could fill that need/void. Then, as history has it, the war was on. Although the area of that ‘void’ those two corporations addressed were to some degree different, they both identified the void and created a need based on something missing in the lives of consumers. Remember, that was the time of the “Me Generation” so when consumers felt like they were losing control of their lives due to the need to care for others, both corporations pounced on that and ran with it. One company promised that consumers could have it their way while the other provided a break from the reality of losing the sense of self that was so vital at that time.You can do the same thing in your market area by expanding on what is effectively working for your competitors. Obviously they have found a way to create a need in order to sell their products/services. Whatever they are utilizing is working because it is bringing in the business. Take the time to analyze their marketing strategies. Try to identify the demographics they are reaching out to. What forms of advertising are your competitors using and how are they distributing it? Competitive analysis is exactly what highly successful businesses like Burger King and McDonald’s do. They analyze the competition and then try to stay one step ahead of them. Once you have the concept of your advertising created, it’s time to get down to the practical aspect of printing and distribution.It’s Time to Print Your Flyer – What are Your Options?<br />Now that you have your campaign all laid out it’s time to figure out what size and weight of paper will best accommodate your message. There are various sizes to choose from, depending on the amount of information you need to include. Here are the most popular flyer and brochure sizes:• 5.5″ x 8.5″ (half sheet)<br />• 8.5″ x 11″ (full page)<br />• 8.5″ x 14″ (legal size)<br />• 11″ x 17″ (double full page size)You can also choose the weight of the paper based on how you will be distributing your flyers. Paper weight used in commercial printing is different then from the stuff you buy at Staples or Office Depot. Never waste money at a small local printer or over-pay for your bulk printing of advertisements. Always choose a reputable and trusted flyer printing company that uses large printing presses and offers “commercial quality” results. Remember: You don’t want to spend as much on advertising as a mega-comapny, but you sure want to look as good as they do!Options for Designing Your Flyer<br />Once you have done market research and have developed an advertising theme, it is time to put it all on paper. While some business owners hire professional graphic designers to layout their flyers, others choose to do their own designing at home, or using pre-designed templates online using various web-based design tools. It all depends on your design ability and the intricacy of the design you will need.U-Design is a popular do-it-yourself design tool and a beautifully laid out flyer is just a few mouse clicks away. The more information and graphics you need to include, the more difficult it becomes. If the do it yourself approach does not work, professional graphic designers can assist you with the layout for any advertising job, large or small. When you place a bulk print order online, a quality printing company will provide professional design services at discounted rates. So if the scope of your flyer is beyond your reach, and the online templates don’t meet your needs, let professionalsl do the designing for you.Fold or No Fold?<br />The size of your flyer is the first consideration as to whether or not you will need to opt for a bi-fold or tri-fold flyer. There are times when your flyer needs to be folded, for instance if it is oversized such as the 8.5″ x 14″ or 11″ x 17″ sizes. And, of course, the size of your flyer is usually dependent on the amount of copy and graphics that need to be included. Newspaper inserts, for example, are often printed on 8.5″ by 11″ or 11″ x 17″ and then bi-folded before being stuffed. They fit nicely into the paper and can be opened, booklet style, to browse through specials and coupons. Many of the large pharmacy chains like Walgreen’s and Eckerd’s use a bi-fold type newspaper insert flyer for weekly promotions. Knowing when to fold and when not to fold is important because there are also times when folding your flyer would be a grave mistake. If the layout and graphic design would be obscured by the fold it would be better to keep it flat whenever possible. Consider the visibility of your offer and the ease-of-handling for your customers at all times.Now that you have learned to ‘Walk the Walk’ it’s time to ‘Talk the Talk’ – Printing Terminology 101When you communicate with your printer there are some basic terms that you should be aware of. These are everyday words in the vocabulary of a printer, so there might be times that they will forget that many of us don’t speak a ‘foreign printing language.’ And, this terminology is all the more important if you are going to try your hand at designing your own flyer. Many mistakes can be avoided if you have a basic understanding of a few printing terms that refer to the details of your project.Bleed – This is extremely important if your design is a graphic that is meant to be borderless. A good rule of thumb is to increase your design by approximately 1/8″ beyond the cutting area because trimmers are not as precise as printing presses. In order to avoid that white border around an image, plan for a ‘bleed.’No Bleed – Leave a small 1/4″ white border around the entire page. Graphics do not extend or cover the entire page when printing as “no bleed.”C2S/C1S – This refers to whether the paper being printed is coated on one side or both. Obviously ‘C2S’ is shiny on both sides whereas ‘C1S’ is matte on one side and shiny on the face. C1S is typically used on postcard type flyers.CPM – Cost per thousand. (For example $39.50 cpm is $395.00 for 10,000 copies.)CMYK – The standard four colors that are used in printing. (Cyan, Magenta, Yellow and Black) While most colors can be produced by ‘layering’ these standard four colors, it is important to know that some shades might not be exact.4/0 and 4/4 – 4/4 is four colors on both sides of double-sided printing and 4/1 refers to 4 colors on the face and no colors ont he back.These are just a small sampling of some of the ciritical terms that might come up when discussing your flyer. Don’t be afraid to tell your printer that you don’t understand what they are referring to. It is your flyer after all, and your satisfaction is what keeps printers in business. Quality work, affordable pricing, and customer satisfaction have been the focus of printers for decades now.The Power of Full Color Printing. There is No Substitute for Color!<br />There is no better way to say it, but, printing in black and white is just plain boring. The absolute best way to generate massive response is to use full color (glossy) flyer printing because it follows the rules of effective advertising. It identifies a void, creates a need, and presents an eye-catching/pleasing solution to that need which engenders a ‘call to action’ response.For example, a restaurant specializes in scrumptious half-pound Black Angus burgers with all the trimmings. Their logo is a burger platter with lettuce, pickles, tomatoes and red onions on an offset sesame bun, lying next to a side of seasoned fries. Imagine how important a color image is here. Obvious, right? By printing that logo in color the company will make sure the ad is:1. eye-catching (full color image)<br />2. exposing a void (hunger)<br />3. creating an immediate need (mouth watering temptation)<br />4. suggesting a call-to-action (it’s time to eat – let’s get one of those!)As you can see, a black and white picture of that platter would not meet the first one of those rules. It surely wouldn’t catch anyone’s eye so it couldn’t possibly address their hunger with a delicious looking burger. And of course, without temptation, in this case, there is no call to action. While it may seem that the extra expense (which in many cases is negligible) of printing in color might not be necessary, it definitely is. If your flyer doesn’t generate a call-to-action response you are wasting your money! The sole purpose of advertising is to generate business so it is important to utilize ‘every trick in the book,’ so to speak, to make that advertising work for you. If spending a few extra dollars now can generate thousands of dollars in business, it is well worth the expenditure.’Turnkey’ Printing & Marketing Solution Providers<br />The Smartest Financial Decision You Can Make in Advertising…Quite often small business owners opt to design a flyer and take it to their local ‘Copy Shop’ to have them run off a few hundred flyers. Sometimes they even choose to print some at home or from their office. Usually it is a matter of cost. They are trying to save a few dollars because business hasn’t been good. As a matter of fact, that’s why they are printing flyers in the first place – to generate business and cash flow. That might be one of the poorest financial decisions that the business owner ever makes. The only guaranteed way to bring business in the door is with advertising that works! Always, always trust an experienced printing and distribution company (ie: direct mail service provider) when it comes to your advertiisng campaigns.Turnkey printing and marketing solution providers, get excellent results by providing professional guidance at low rates. Their graphic designers and marketing consultants have access to the latest trends in marketing and distribution processes. In effect, you have everything under one roof. Professionals are on hand from the very ‘concept’ of your flyer right down to the final distribution. They are in touch with what is working in given market areas based on marketing research and statistical analysis that they have at their fingertips. Professionals know what works and, better yet, they know how to put that knowledge to work for you. Put your money to work for you, don’t throw it out the window! It is a much wiser financial decision to spend a little more now on effective advertising that actually generates business. That is something you can take to the bank.The Co-Dependency of the “2 D’s” – Design and Distribution<br />When planning your flyer it is important to take distribution into account before you actually begin designing it. This is one of the areas in which a professional ‘turnkey’ printing and marketing solution provider can be of invaluable assistance. The size of your flyer could preclude some forms of distribution so they can assist you in carefully weighing your distribution options prior to planning your design. For instance, if you are planning to do direct mailing then 2.5″ x 5″ postcards wouldn’t be at all practical. They’d easily get lost in the mix of mail and rarely seen by any custoemers. If you have contracted with a company to hang flyers door-to-door, your design would need to be conducive to being stuffed in a door hanger bag or printed on 4.25″ x 11″ door hanger card stock.If you are uncertain as to which method of distribution you should utilize, talk to your printer. There are so many options available to you and based on the demographics of your targeted market, it is essential that you distribute your flyer in a manner that can offer the highest response. Most professional printers have the wherewithal to actually set up distribution for you and carry out the campaign. Whether you are going with direct mailing (recommended for most small businesses) or placing flyers in local publications, your design should always be contingent upon the method of distribution. It’s smart to think ahead.Direct Mail Services are Proven to Generate High Return on Investment (ROI)<br />One method of distribution that should be emphasized is Direct Mail. Recent statistics provided by the United States Postal Service state that the average household receives approximately 25 pieces of mail per week, and 52% of that mail is Direct Mail advertising. Here is where it gets interesting. A survey was conducted that indicates that 51% of consumers will read mail from merchants and 16% of them will respond to that mail. Let’s break this down into figures to look at just how effective this form of distribution really is.Using a base figure of 1,000 households that receive 25 pieces of mail per week, that is 25,000 pieces of mail that gets delivered. Of that 25,000, 52% is Direct Mail advertising, which means that 13,000 of those items are some form of advertising. Now, based on the proven response rates, 51% of consumers will read that mail which means that 6,630 ads are being opened and read. Of that number, 16% will respond which means that 1061 ads are generating business. On an average, every household is responding to one or more ads per week!Of course, not all of that mail will be in direct competition with your product or service. With professional advertising that works, it is possible to dominate your market. That is why it is financially prudent to utilize the services of a professional ‘turnkey’ printing and marketing solutions company. They have the advertising and distribution skills and expertise to put it all together for you so that your ads generate business with profit-raising end results.Your flyer is printed and distributed – now it’s time to Track Results!<br />You have just put a lot of time, effort, and some expense into researching, planning, designing, printing and distributing a flyer to advertise your business. Of course, you want to know just how effective that advertising is. One sure way would be to track your before and after income. If it is steadily on the rise that is a good indicator that your advertising is paying off. However, there are some times when you want something a little more tangible. Many businesses place discount coupons on their flyers that must be redeemed in order to take advantage of the promotional pricing. By keeping count of coupons that are redeemed, they are able to track the success of their advertising campaign. Make sure to discuss the fact that you want to employ some method of tracking results with your printer. They can help you layout your flyer to incorporate tracking coupons into the design.Put it all together with the 7 “Must Know” Rules for Flyer Printing Success<br />Based on the strategies detailed above, advertising with flyers can be highly effective if you follow the “7 Must Know Rules.” Keep these rules in mind as you plan your advertising and you will be amazed at the results.Rule #1 – Plan in Advance! Leave ample time for everything that needs to be done. The actual ‘printing’ part of the process might only take 24 to 48 hours in ‘turn around’ time, but there is so much more to successful flyer advertising. Planning, research, market analysis, design, proofing and distribution need to be accounted for. Leave enough time to get your flyers out in a timely manner prior to any promotions you intend to run.Rule #2 – Target Specific Demographics. Understand your market. What are the demographics you intend to target? Understanding your audience is of prime importance if you are going to ‘create a need’ and a ‘call to response.’ Effective advertising reaches people at some deeper level and calls them to act upon what you have to offer. Learn how to speak their language in terms they understand with a message they can’t afford to miss!Rule #3 – Analyze the Competition. Just as those huge burger conglomerates feed off each other’s advertising strategies, you should do the same thing in terms of your competitors. Take the time to learn and understand what is working for them and then improve on it. You’ll be amazed at what a little honest ‘thievery’ can do!Rule #4 – Consistent Branding. Although this wasn’t discussed, effective advertising results in your name being synonymous with the product or service you are offering. For example, how many people do you hear asking for a facial tissue? Not many, I would presume. They ask for a ‘Kleenex’ which is a specific brand of facial tissues. That’s what branding is all about. Use it effectively in your flyers and you will literally dominate your market.Rule #5 – Simplicity. One of the most important rules in advertising that often gets misplaced is simplicity. Consumers are too busy or too distracted to read lengthy copy. Employ graphics, images, bullet points or whatever you can find to keep your message short and to the point.Rule #6 – Distribution Methods. This is where many businesses fail when using flyers to advertise. Based on the type of flyer (i.e. menu, coupons, etc) it is essential to plan for distribution. Once you understand your targeted demographics you can plan for effective distribution. Whether it is direct mail, door-hangers, newspaper inserts, flyers in local businesses or any other method of distribution, it is essential to determine the best way to reach the biggest audience. That’s what advertising is all about – numbers.Rule #7 – Advertise, Advertise, Advertise! Don’t fall prey to the misconception that one round of flyer printing is going to put you at the top of your market. Too many businesses almost make it to the finish line and for some reason or another don’t follow up on their advertising campaigns. Keep the USPS statistics in mind throughout your campaign. Every household responds to direct mail ads every per week. Yours could be, and should be next! </p>]]></content:encoded> <wfw:commentRss>https://aaaubms.info/flyer-printing-the-ultimate-guide-to-flyers-print-advertising.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Choosing the Right Business Loan For Your Company</title> <link>https://aaaubms.info/choosing-the-right-business-loan-for-your-company.html</link> <comments>https://aaaubms.info/choosing-the-right-business-loan-for-your-company.html#comments</comments> <pubDate>Fri, 17 Mar 2023 16:55:05 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://aaaubms.info/?p=60</guid> <description><![CDATA[Operating a business takes money and just about everyone has heard the expression you have to spend money to make money, but where do you get the money if you aren’t independently wealthy, or established? A business loan is the answer to most business needs. It doesn’t matter what size a business is, almost every [...]]]></description> <content:encoded><![CDATA[<p> Operating a business takes money and just about everyone has heard the expression you have to spend money to make money, but where do you get the money if you aren’t independently wealthy, or established? A business loan is the answer to most business needs. It doesn’t matter what size a business is, almost every business owner at some point has to consider a loan. A business loan can help a business get started, expand once it’s on its way and growing, or get a business through the tough spots that happen occasionally. Deciding on a business loan is a key step, but which loan is right for you and how do you decide between the many different various types?Skip the Loan and Use PlasticSome business owners opt for a slight variation on a business loan and choose to use credit cards to back their startup, expand on an existing business, or help their business through a tough stretch. The positive reason for using credit to fund your business is that it is often easier to get, or already existing in a personal credit card, but there are a couple of serious negatives to using this type of business financing. The first negative is that unless your existing credit line is unlimited there might not be enough funding on your credit cards. The second negative to using personal credit cards is that your personal and business cash flow is not separate. This can create havoc if you need to use your credit for important personal needs and it can have a similar effect on business funds if you suddenly have to tap into your credit for personal reasons. Lastly, the interest rate on credit cards is normally much higher than any of the various types of business loans.A Bridge Between Credit Cards and Business Loans: Lines of CreditA line of credit operates much the same as a credit card. You apply for a business loan line of credit and based on your qualifications you are approved for up to a certain amount. You are not charged on the loan until you actually use the money and are only charged for the amount you actually use. Another similarity between lines of credit and credit cards is the loan is often an unsecured loan meaning no assets are used to guarantee the loan such as homes, cars, the business itself. However, unlike a credit card business lines of credit have interest rates much closer to a traditional loan level.On the downside those interest rates are usually variable like a personal credit card and go up or down over the period of the loan. Another downside to lines of credit is that like a credit card your payments will usually be only a little more than the interest rate each month.This may seem like a plus at the start because the monthly payments are so low. The catch there is that lines of credit to not extend forever. There is almost always a set number of years for the loan amount to be available. At the end of that time (and sometimes within the last two years of the payback) money is not longer available. After that period, the payments are higher to make sure the money is completely paid back by the end of the loan.If you have the discipline to make yourself pay more than the minimum every month in order to pay down the loan, this can be a good loan to get. It allows for times when money is tight. You can pay the minimum at those times without risking a default on your loan.Traditional Types of Business LoansEven if you do not have an extensive amount of credit, and if you don’t think a line of credit is right for you, all is not lost. There are many more traditional styles of business loans to choose from:- Working Capital Loans: These loans are what most people think of when they consider getting a business loan. They come in two types, secured and unsecured. Unsecured versions of working capital loans are usually only available to those business owners with stellar credit, a sound business plan, and an established business with a proven track record. Startups are usually too risky to be granted unsecured working capital business loans. Secured working capital loans are a little easier to get although the amount of collateral needed to obtain these loans is often based on the credit of the borrower. These loans make it possible for all types of business to conduct their affairs on a day-to-day basis with available cash. Loans are commonly secured with homes, and other valuable assets.- Accounts Receivable Loans: These are short term types of financing available when you hit a tough spot and now you have money coming in at a particular time. Your business’ records of accounts receivable act as a security for such loans. On the downside the interest rates of these short term loans are usually higher than a long term standard loan, and you can end up in a vicious circle of using your assets (receivables) before you get them and then not have money left before your next income period. This type of loan should only be considered in a select few types of cases of emergency such as the need to meet payroll, purchase inventory at a value, or other necessities.- Business Only Loans: This type of loan is applied for using the capital and assets of the business alone and not any personal credit or credit history of the owner. It is only available to a business with a solid record of reliable income, the long-term prospect of fluid operation, and very strong business credit scores.Other Function Specific LoansThere are times during business operation when you need a loan for a specific type of purchase such as to buy new or replace old equipment, the purchase of real estate for the business, or other dedicated needs there are loans designed to be separately available for just those times.Getting The LoanThe best way to ensure success in getting your business loan is to be prepared. Enter your bank with a well-formulated business plan in hand and make sure your credit is up to par. If you know of any spots on your credit history, be prepared to explain them. Lenders are human too, and know that there are situations that are unavoidable but if you can prove your trouble is in the past and you are on more solid footing it will help a lot in getting the loan you desire. Letters of explanation to go along with your loan package help if there were situations such as illness, or caring for a sick loved one that caused problems in the past.One of the things that stops most people from attempting to get a loan is fear of rejection. Knowing what to expect can alleviate that fear. </p>]]></content:encoded> <wfw:commentRss>https://aaaubms.info/choosing-the-right-business-loan-for-your-company.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How to Start an Online Business Step by Step</title> <link>https://aaaubms.info/how-to-start-an-online-business-step-by-step.html</link> <comments>https://aaaubms.info/how-to-start-an-online-business-step-by-step.html#comments</comments> <pubDate>Fri, 17 Mar 2023 15:02:02 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://aaaubms.info/?p=58</guid> <description><![CDATA[To start an online business is not an easy task to perform. There are so many things to prioritize in its whole process to make sure that it will bring great results in the end. It needs to be provided with a sufficient and excellent set of investments to make sure that it will be [...]]]></description> <content:encoded><![CDATA[<p> To start an online business is not an easy task to perform. There are so many things to prioritize in its whole process to make sure that it will bring great results in the end. It needs to be provided with a sufficient and excellent set of investments to make sure that it will be very exciting and really satisfying. But always remember the fact that money is not enough to provide a business with an amazing startup.1. How to Write and Sell your own eBooksAn online business must always be supported with several eBooks that are containing unique contents and useful information for the consumers. Such items can help a businessman to enhance the reputation of an online business more effectively. The best way to write an eBook is to rely on excellent references and to ask for the assistance of a reliable SEO company. Selling eBooks will become much easier to accomplish when conducted in a trusted online store like Amazon.2. Promoting the Business with Social Media Such As Facebook, TwitterA business will never be so popular in the market and trustworthy for consumers if it was not provided with a set of high quality advertisements that are showcasing its set of products and services. Businessmen should always try their best to advertise their businesses more effectively to achieve increased traffic and revenue. One of the most convenient and effective ways to do that is to utilize the power of social media. Create interesting sales pages and fan pages in social networking sites like Facebook and Twitter to promote a business more effectively without spending a lot of money.3. Part-time or Full-time Online Income StreamOne of the most effective ways to fund a business as the time passes by is to rely on the advantages of part-time and full-time online income streams. It’s easy to create a set of special accounts for these online income streams. Such things can really help businessmen to allocate their reserved financial assets more efficiently on the daily needs of their businesses.4. How to Sell eBooks on Your Own WordPress WebsiteAll types of WordPress Websites can be used by businessmen to sell their unique eBooks online without spending a lot of effort. But what is the most effective way to perform this process while aiming to gain higher rate of income? Well, the best answer to that question is to add a PayPal account in a very responsive WordPress website which has an excellent amount of traffic every day.5. Guide To Selling eBooks on Google, eBay and FiverrGoogle, eBay and Fiverr are examples of the most reliable search engines in the internet nowadays. The most effective way to sell eBooks on the stated search engines is to rely on the performance and features of the dependable online stores and sales pages that are available in its search results pages. Mastery of the idea of online marketing and creating several accounts in search engines are included in the list of best strategies that businessmen can use to sell eBooks faster in Google, eBay and Fiverr.6. ClickBank Success GuideClickBank success starts with the process of mastering the uses and advantages of ClickBank in online marketing as an affiliate. It becomes more useful in the process of promoting a business when used to prove to online consumers that the online payment process for the products of a business is totally safe and secured at all times.7. How to Success in Internet MarketingSuccess will never be impossible to achieve in the field of internet marketing if a businessman has a very responsive website to use in the promotion of an online business. A responsive website can provide an online business with a very high rate of traffic every day which can be converted into a huge number of real buyers through a perfect traffic conversion process. </p>]]></content:encoded> <wfw:commentRss>https://aaaubms.info/how-to-start-an-online-business-step-by-step.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>7 Signs You’re Not Ready For Online Business Success</title> <link>https://aaaubms.info/7-signs-youre-not-ready-for-online-business-success.html</link> <comments>https://aaaubms.info/7-signs-youre-not-ready-for-online-business-success.html#comments</comments> <pubDate>Fri, 17 Mar 2023 13:29:15 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://aaaubms.info/?p=55</guid> <description><![CDATA[Dot.Com or Internet businesses started going main-stream in the early 1990′s and between 1995 and 2000 internet stocks were selling at multiples of their book values. Most of the Dot.Com companies had nothing tangible to justify their Mount Everest-high prices. It didn’t take long before the market started correcting itself and by October 4, 2002 [...]]]></description> <content:encoded><![CDATA[<p> Dot.Com or Internet businesses started going main-stream in the early 1990′s and between 1995 and 2000 internet stocks were selling at multiples of their book values. Most of the Dot.Com companies had nothing tangible to justify their Mount Everest-high prices. It didn’t take long before the market started correcting itself and by October 4, 2002 the NASDAQ index had crashed by 76.81%, to 1,139.90, from a peak of 5,084.62 recorded on March 10, 2000..Since the burst, the Dot.Com business had separated the men from the boys with valuable lesson learnt. Many of the boys went home to their parents to lick their wounds while the men started searching for the keys to online business success. As a matter of fact, no one key to online business success was found as internet business was a brand new territory. So it became a matter of trial and error to find out what worked.In 2012 Rich Schefren released his much-acclaimed Internet Business Manifesto in which he advised Dot.Com entrepreneurs to approach every aspect of online business, from list building to product development and sales, strategically rather than tactically. He particularly noted that technology is an enabler and the whole focus should be on developing structures and building relationships rather than looking for tactical advantages like trying to outsmart the algorithms.Since the Dot.Com crash, many online entrepreneurs have figured out what works and what doesn’t and the internet is producing millionaires in record numbers in assorted niches and sub-niches. One of such millionaires is Russell Brunson, the author of three best-selling books: Dot.Com Secrets, Expert Secrets, and Traffic Secrets. These books are definitive guides on what works online. If only to note in passing, as at the 2020, Russell Brunson’s net-worth was estimated at $41m; a figure he built over 15 years.Scott Cunningham of Social Lite not long ago pointed out that online entrepreneurs go through three phases: the crawl phase, when you’re making less than $100,000 per annum, the walk phase when you’re making between $100,000 to $1m, and the run phase when you’re making over $1m. It is at the crawl phase you need the most learning.For those of us in the crawl phase, it’s important to note that, just like anything in life, online business has its own guiding principles. Those who succeed in a big way online follow these principles. The opposite is also true for those who fail. As Russell Brunson and other internet business experts would readily advice, do what works. Don’t try to reinvent the wheel.Here are seven signs you’re not ready for online business success. Not in any particular order, they include:1. You’re not curious, indeed more often than not you’re skeptical that people like you are building successful online businesses and making money.2. You’re not paranoid, indeed you believe online business is a passing fad and will soon go away. Andy Grove, Intel’s co-founder, once said, “Only the Paranoid Survive”. The internet is not likely to go away soon.3. You believe Social Media is a distraction; if you use SM at all, you use it for the “social” aspect. Social media like Facebook, Instagram, and YouTube are business tools if you know how to use them.4. You lack production mindset, you rather consume, and if you produce at all, you’re inconsistent. To succeed online, especially if you’re selling digital products, you must be a prolific producer.5. You wear the toga of expert, always asking, “What can anybody teach me?” As Steve Jobs said in his Stanford’s 2005 Commencement address, “Stay Hungry. Stay Foolish.”6. You focus on the negatives: fraud, complexity, and the technicalities etc., thus convincing yourself “it’s not for me”. The internet has its dark side. It also has its bright side. Embrace the bright side.7. You live a “satisfied life” believing you’re already successful so “why bother?” This is the attitude of high corporate earners. Why not invest and learn now you’re earning high; sooner or later, you’ll retire.If you exhibit three or more of the signs I have enumerated above: you lack curiosity, you’re not paranoid about the internet, you hate social media or only use it for play, you rather consume than produce, you consider yourself an expert who knows it all, you only see the dark side of the internet, and you’re too satisfied to bother, the simple interpretation is that you lack online business success mindset.The signs simply say you’re not ready for online business success. I define online success as someone who makes a minimum of $10,000 monthly online and scaling and investing massively to move from the crawl to the walk stage. My simple advice to you is this: get off your couch, put on your running shoes and start looking for online business influencers to learn how you too can succeed online. </p>]]></content:encoded> <wfw:commentRss>https://aaaubms.info/7-signs-youre-not-ready-for-online-business-success.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Should Australians Still Invest Properties in the United States?</title> <link>https://aaaubms.info/should-australians-still-invest-properties-in-the-united-states-2.html</link> <comments>https://aaaubms.info/should-australians-still-invest-properties-in-the-united-states-2.html#comments</comments> <pubDate>Mon, 30 Jan 2023 16:40:33 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://aaaubms.info/?p=53</guid> <description><![CDATA[For several years now, people have been trying to call me to ask if it is still a good idea to invest in property in the United States? I have been buying properties in the United States for more than 20 years already.Buying a real estate in the United States started in the late 80s, [...]]]></description> <content:encoded><![CDATA[<p> For several years now, people have been trying to call me to ask if it is still a good idea to invest in property in the United States? I have been buying properties in the United States for more than 20 years already.Buying a real estate in the United States started in the late 80s, when I got myself involved in the loan debacle and savings. This was when the banking system in the southern states was failing and we even had to make transactions of the property buying and selling without any banking system, since there were virtually no banks around.Now it’s as if there are bank crisis every 20 years in America. Prices significantly dropped, sometimes 95 cents on the dollar, when I was buying properties. We can even buy properties 5 cents on the dollar! There were even home units that we could buy for as low as $600 and a couple of thousand dollars per house.The fact that the Americans are currently going through a major bank crisis, a lot of Australians are apprehensive to take advantage of the US market. Perhaps you don’t have to worry about this issue if you are not going to live in the United States.In the late 80s, I did spend a lot of time with some Australians who were trying to save what’s left from their capital, the capital that they have invested in the U.S. And after 20 years, I’m doing it again – helping Australians who lost a lot of money, to get out of the United States and will still be able to keep the remaining capital that they have invested.The American and Australian Culture DifferencesWhy do you think this happened? Why do some Australians invest in the United States and end up being disappointed? Even if we read about 15% returns – 25% returns. I will examine that fact for you in a little while. But before that, I’d like to go back to analyzing the differences between the way Australians do business from the way the Americans do business. Most of this is outlined in the book, written in the 1970′s called, “American and Australian Cultural Differences”.In the book that Donald Trump wrote, “The Art of the Deal”, he simply mentioned there is no such thing as a win-win in business. It has always been ‘I win and you lose’. Here’s the first major difference, in Australia, people come first, then the money comes second. While in the United States, it is the other way around, big business and the big bucks comes first before the people. This doesn’t mean that Americans are bad and we are good, we simply have a different culture. Also, our governing laws lean that way.Our Australian culture and mentality is reflected in our legal system, a system that is shared with both legal and equitable law. Once a judge sees a contract that he doesn’t like, he can overturn the contract since under the equitable law, which means fair play law. Unfortunately, this is not how it works in the American playing field. The real deal is always on the piece of paper.On the lighter side of playing in the US market is, we both can sit down and talk work out a contract. I can even trade a portion of a property in the US for only $7. As long as we both sign a one page General Warranty Deed or Warranty Deed, that property is bought for $7. And it costs that much because that is what cost me to record this at the local court house and make the purchase. That is the deal whether we had a creative lease option or an installment contract. Unfortunately, if you get into some bad terms, you have no government body to come in and looks after you. The deal is, the dollar comes first.So, if ever you are in a country where the real estate has an “I win and you lose” kind of rule, be careful. They do have different set of rules.Here are some interesting stories of what actually happened over the years. Perhaps by the end of this article, some people can instill in their heads that the US may not be the best place to invest, unless, you already live there.US Property ManagementA lot of Australians assume that the US Property Management is handled the same way as it is in Australia. Here, when you buy or sell a piece of real estate, it is managed by the real estate agent. In the US, the people who sold the property to you have nothing to do with the management. Here, it is difficult to find someone who shares the same moral code as in Australia. And if ever you find one, it is expensive, and it can drain you financially.Here’s an example. Strangely, the American management companies can never bring your money to you in Australia. They seem to have a poor mail service since they lose a lot of cheques. What they do know is, your cheque sinks because Australia could be Atlantis. Bottom line is, it is about taking your money and not let you make a profit.If you choose to go for a good management company, a light bulb may only cost 25 cents, but if you get it installed, it may cost you $88. This is because good management company in the US, only use licensed people, and licensed people are expensive. Since everybody is afraid of being sued in the US, the property manager doesn’t use anybody who doesn’t have a license, whether it is a plumbing license, or electrical license.Although a light bulb in the US may last for 15 months, and it is indeed cheap to buy. However, since I have been an absent landlord, I have been charged several $88 to have my light bulb put in the house. And sadly, no Americans can change their own light bulbs.In Australia, we do a lot of stuff using our hands. Americans have been used to being gifted to for so long that they do nothing. When I rent my propertiesI noticed that my rented property in the US becomes un-rentable when: • the carpet is more than 2 years old, and• your property has been painted less than a year ago.In Australia, even if my place has a 10, 20 or even 30 year old carpet, I can still have it rented, even if it hasn’t been painted in the last 5 years. This is the reason why vacancy in the US is much higher than in Australia.How does this affect the management? We now know that a rented unit, apartment or a house in the US can’t be rented out unless it is in perfect condition, practically a new condition. This fact costs money. My apartment buildings in Dallas, Texas used to be vacant. I also had a building very close to SMU campus and the students had to move out at midnight. So, I had a crew go in to re-carpet and repaint. The next morning, I had new people coming in, at around 10 a.m. This is clearly an expense that you have, as a landlord.You also have management companies who make sure that they take money out of your pocket. Being constantly charged for various systems like, hot water, heating, and air conditioning which was never in your property.The Systems That Drains Your PocketHow about air conditioning? Most (if not all) of the properties in the US have air-conditioning. And air-conditioning is simply expensive. It would be great if the US tenants clean the filters. Unfortunately, they don’t. If that happens, your air conditioning systems get burn out. It would take another $300-$400 to have your air conditioning coils cleaned and have new compressors put in. This obviously drives you nuts! Another situation is the ice maker. American houses have an ice maker and every time you replace it, it costs $130 plus another $150 for the service call. That’s almost $300. Ice makers will last for 24 months.If you have 2 to 3 tenants who constantly change the temperature of the air conditioned properties, this can fry your air conditioning unit. You adjust the air conditioning system since you have tenants and unfortunately, they don’t respect your equipment. You will end up spending a fortune just for your air conditioning and heating systems. What may be standard in the US is not the standard in Australia.The management normally gets 10% of the gross income. A lot of American management companies get their kickbacks from the service tradesmen who are constantly sent out to the properties. Obviously, the landlord is not the priority of the US property management company, the tenants are. Whatever these tenants want, they get. No matter how careless these tenants are when using your equipments, no matter how constantly they burn up your cash flow or profits. These are just some of the things that never happens in Australia. Here in Australia, we serve people to live in is bottom of the range, Americans can’t be served this way.Most Americans don’t pay their rent. Those tenants who do pay rents in the US have a lower percentage compared to the Australians who do pay their rent. They even have a book that’s called “500 Ways to Rip Off Your Landlord and Never Pay Rent”. This book costs $19.95. You are simply in the area of big business, I make money and you don’t. A lot of these Americans don’t pay their rent. That’s how the business is – Americans do not pay their rent!A lot of Australians ran into these US properties with cash intending to refinance later and only to get their cash returned by creating more debt. The properties were cheap when bought because you can’t get financed. You will need to put all your cash in there and eventually bring out your cash out.If ever the management has left you any money, they will get it back from you by charging you all sorts of jobs that were never even done, like a house that has never been painted. That’s how landlords are eaten alive.Also, here’s something worth knowing, the American roof only lasts for 12 years. Ever wonder why the suburbs blow over in the storm? That’s because American houses do not have any steel nor cement in them, which are important. American houses are made of wood and bricks on the outside. The bricks aren’t even thick enough to hold up the house. They are only slate style brick which is an inch wide. Unlike Australian household brick, around 3-4 inches wide. This can actually hold up the house.For the American houses, the wood behind the brick face holds up the house. So the brick is just a fascia plate. What happens when a big hurricane comes? It wipes out the entire suburbs of this American house, simply because there are no bricks and no cement.What about the bathrooms? Here’s a revelation. They do not have any water nor sink hole for the water to go all the way down. The American bathroom floors are just made of plywood, standard of five ply. I change the bathroom floors every 4 years since it only costs $ 300 – $400…if you do it yourself. Yes, it is necessary to change the bathroom floors every four years, in case you didn’t know. As mentioned earlier, the American bathrooms do not have any drainage hole. So the water sits on the floor which is often carpeted. Eventually, it rots, that’s why it is a must to change your bathroom floors every four years.Another thing you should know is that American sewer pipes are 2 inches, not 4 inches. Expect to be fixing blocked toilets every so often. In order to have it fixed, you would need to call the Rotor Router guy and pay $90. It is the standard way of fixing blocked toilets.Your tenants will be blacks, whites or Hispanics. A lot of Australians do not realize that when they buy a cheap property, they do not understand where they are buying these properties. What kind of neighborhood it has and such. The Hispanics are great. They actually pay their rent even before they feed their children. But did you know that there is this expression called, ‘they’re hard on the machinery’, the Hispanics are really hard on a property. Perfect example is, they use lard when cooking. Lard is fat. They pour this lard down your sink, which causes the sink to get clogged. Which means, that you will need to call a Rotor Router guy every three to four months. Or perhaps, your managing agent will be the one to do this work for you. Making you spend more because they had to unplug all your pipes.I knew this one gentlemen who lived in the Sydney suburb of Roseville. He bought 52 cheap units. What he didn’t understand was that it was 52 units of Hispanic residents. This man ended up financially crippled because of the operating expenses of the Hispanics.The Hispanics, like to sit in the back of their pick up trucks and shoot their guns on a Friday or Saturday night, which is fine. They like to drink a lot, and in many of the States, there is no drunk driving laws. So I would often dig a pick up truck out of my swimming pool full of these drunk Hispanics who drove their pick up through my fence and straight into the swimming pool. What makes it harder is, majority of these Hispanics don’t speak English at all. And it is expensive to get tow trucks at 3 in the morning.The sad thing is, when Australians buy a property in America, they think that it has the same system and set of standards as it is in Australia. You have to remember that America is a totally different market. They think, do and act things differently. The carpets do not last long, the paint does not last long either. Although it is cheap to paint and you only need to spray the paint using spray gun. Nobody uses brush anymore because spray gun is a lot easier to use and you need to repaint after 2 years.Currently, I am assisting a lady who has a property in New York. Her agent put the property for $1.3 million on the market. Even to this day, I do not think that her property is worth anywhere more than $900,000 in the present market condition of the US. This agent has produced a back pocket buyer who don’t really exist. He would actually report someone trying to buy the property, and then not buying the property. There would be reports that this house does not have tenants when in fact there has been tenants in there for 9 months already. The agent collects the money and puts it in their back pockets telling the owner, “I’m sorry, we can’t get any tenants”.When you do find out that you actually have tenants in your properties, your management people will keep telling you there isn’t and they’ll just draw off the money and you’ll keep paying the cost.The main idea here, intentionally or unintentionally, is to make you financially bleed. Until such time that you decide to sell the property back. Surprisingly the management company has a back seat buyer who will take pennies on the dollar. I have witnessed this incident so many times.What about your lawns? What happens if they don’t get mowed? Your the management company does not take care of this. They do not organize anybody to mow lawns since the city is going to come in and mow the lawns for you. Simply because they have city codes and ordinances that you need to make your house look clean and tidy. If you do not make your house look clean, the city will come in and make it look clean and tidy, then you get charged for $400 for having them do that for you.You are not allowed to park your car on the street, that’s the rule for most parts of America, because if you do, you will be charged any towing costs. And you now have a lien to the city. If you are in Australia, you may not find out about this because the notice is probably sent to your American mailbox or even to your American property manager, which is the usual case. Your American property manager does not pay it. He goes out of business or simply destroys it. Since you don’t know what’s going on, the city sells your property from under you. The city wants its money back for its $400 lien, and will take your property to foreclosure and even sell you out.This is what you hear or watch on late night television, the city tax lien sales. This is where the city owed money on properties. Next thing you know, they will just sell your property up and you will just find out that they either sold your property or they have condemned it.Your property has a burst pipe flooding problem which is why the city will condemn it. We had the same issue in Dallas, Texas. That is a hot State and it simply means that you will have to constantly run those taps. So during the winter, if I don’t get all my piping blown out, there’s a huge risk that my pipes will burst during the winter months. Then I have major flood damage. Another term used for having the pipes blown out is winterizing. This leaves me two options, to have it winterized and cost me, or make sure that my taps are dripping and make sure that the house is above 68 degrees- which will also cost me on air conditioning and heating system running 24/7.Oftentimes, you get it wrong. Your pipes will burst while you are not around to fix and sort things out. So the city comes by, and condemns your property. They will condemn it by putting a huge tape across the front door. Worse is, the homeless people will move in and will destroy whatever’s left of it. They can even sue the city if they hurt themselves in a city condemned property which may lead to having to remove your house from the lot. They will leave you with what is called a PAD. This has happened a lot in the United States in the early 90′s. You will have nothing there but a cement pad. If you look at the bright side, the cement pad is clean and smooth for you to rebuild another house.These are just some of the things we don’t do in Australia. Many Australians get lost and confused by this. They sell their properties for $19,000 without understanding that they have black tenants who sometimes do guns and drugs and don’t pay the rent. So, if I was an American and I wanted to sell you some properties in Australia, I will put phantom tenants in the properties, create a bunch of leases that will show how much they’re supposed to pay and for 2 or 3 months. I will also make sure that the money goes through the books to encourage some Aussie sucker to buy properties.Aussies come in and their tenants don’t pay rent. All of these guys carry guns, unless you want to start learning how to use a.44 hand gun in order to collect rent, then you’ve to start getting these guys, who are doing drugs, out of your house. American properties can be bought for as low as $8,000 simply because nobody goes there. This neighborhood is the gang areas, the drug houses and the house of prostitutes. Australians are not used to this. There are a number of gun carrying States in America. People either strung out on drugs or get shot and these are the cheap properties that Aussies start buying.The issue here is not because the Aussies are buying cheap properties. The point is, they do not understand why it is cheap. They need to know that the Americans won’t touch it for many reasons. Most of the US mortgage companies do not lend money less than $50,000 and because of this, you cannot get your cash out. So even if there’s a buyer for your $40,000 or $45,000 property, an American cannot get this because of the loan size. Although it used to be $35,000, now they’ve increased it to $50,000-which is the minimum loan size.If that’s the case, most of these Hispanics, blacks and the people who live in this neighborhood cannot buy it since they do not have the 50 grand to spend for this property. They cannot borrow it because the loans don’t exist. Only thing left for them to do is to cash out.The investor will cash out the money, not the black person, nor the Hispanic person. This investor will take you out at $20,000 initially. Then he will walk in and string you out. He will do this because he’s the only one with the cash and you will find out that you are going to get about $20,000.Whenever people talk about these gross yields in America, what they say is, this property is gross yielding 26%. But it is important to remember that is before an amount of your money is taken out from repairs, maintenance, vacancy and other unforeseen expenses. My property, where I used to live, is 17.4 % of every dollar in up keep. It is indeed cheap to get parts for US houses. If you are in the US doing everything yourself, it would have been great. But if you actually live abroad, and you have properties in the US, that’s when it’s a killer. What will drain you financially is the cost labor of having someone to do the job while you are not around.Another burden foreign landlords need to keep in mind is the airfares, of flying back and forth to the US, not to mention the overseas phone calls and the time difference, when you have to get up at 5:00 am in Australia just to speak to somebody in the management office. Unfortunately, you don’t get to speak to anyone, because everybody has voice mail. The fact that you cannot speak to a live person drives you nuts. You will also notice that your cheques won’t arrive. That American banks won’t wire money to Australian banks unless you have filled out different legal documents.You have a whole bunch of extra paperwork from the new Patriots Act that Bush brought in. This whole stack of paperwork will stress you out to the point that you would simply want to pull your money out of the US back to Australia.Up to now, I do not know any Australian who made a profit from buying and holding a property in the US. But people still call me, people who bought properties in the US looking forward to getting a big profit. Fact is, that day may or may never come.Here is another story for you. I bought a 22 home units property from the US government and I owned it for 2 years. Well, it took me 2 years to fix things in order to buy it from the government. My cash flow should have been $11,000 after all my expenses. I have hanged on for 2 years and I never got a check above $1,500. Like their system, it goes, and disappears.You need to understand their structures, the LLCs, S Corps, companies, everything. You will need to do all these tax treaties and corporations with the US government. An average Aussie accountant will not be able to do your taxes any more. You’ll end up going to Coopers and Lybrand, the biggest companies in Australia to do your taxations, and because they understand the structure in the US. The LLCs, S Corps, C Corps, all these things that you have set up in the US.For Starters, these guys will charge $300 per hour. Here, you will discover that your tax bill will come from $1,000 up to $15,000 a year just to acquire an Australian and US tax return done. That would surely kill you. This is what you call, the on cost of doing business.However, if you do live in the United States, you will absolutely profit from it. You will earn a lot from buying and trading properties in the US, simply because Americans forget about equity. For them, real estate is not an investment vehicle but a consumer item, that as soon as they are finished with it, they can leave and move on. If you are in the US, you’ll witness this yourself. The Americans will know that Aussies have not left for Atlantis to live there, they will realize that you can show up the next day with a double barrel shotgun, demanding to get back your money, so you can make profits – BUT, that is only if you are physically there.We can take advantage of a lot of situations when we are there in the US. I made a lot of money when I was buying, selling, trading properties. But we have to understand how real estate trading works in the US. My objective of writing about this today is to recognize two essential things. We may speak the same language as the American, but our philosophy about business is totally different-which is, ‘they win and I lose’. Majority of Australians who invested in properties in the US do not go through this without legal battles.In the US, people sue each other. This isn’t about just winning, it’s about making the other guy bleed and dry. Whoever gives up first will comply to what the opposite party wants. This is the painful reality of real estate business in the US. I’ve seen a lot of Australians go into that industry in the US market, and will eventually come back broke, drained and stressed. They do not get anything near their returns at all. And yes, your cheques will mysteriously get lost in the mail.My ultimate message is, spare yourself from this painful experience. If you want to earn money, you can earn it here, in your own backyard, without having to buy any airline ticket, dealing with US corporations, learning and understanding a different country’s system and way of doing business-the hard way. Yes, we do speak the same language as them, but they do not do business the way we do. It may sound appealing and sexy to say that I’m off to see my house in Florida, but there are more negatives than positives in this experience. Find the same opportunities here in Australia.When you see US figures for yield returns, find out what the net yields and figures of the net return. Consider the repairs, maintenance, vacancy and other surprising expenses that will come your way. Brace yourself from disappointments. Don’t say I didn’t warn you. This is probably your way of knowing and seeing what properties in the US can do to the investor.I also came across an e-book about an author who shares his similar experience when buying a property in the US. In case you want to read about this as well, you can find it on http://www.seekingfortuneinnewyorkstate.com. </p>]]></content:encoded> <wfw:commentRss>https://aaaubms.info/should-australians-still-invest-properties-in-the-united-states-2.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Should Australians Still Invest Properties in the United States?</title> <link>https://aaaubms.info/should-australians-still-invest-properties-in-the-united-states.html</link> <comments>https://aaaubms.info/should-australians-still-invest-properties-in-the-united-states.html#comments</comments> <pubDate>Mon, 30 Jan 2023 16:25:25 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://aaaubms.info/?p=51</guid> <description><![CDATA[For several years now, people have been trying to call me to ask if it is still a good idea to invest in property in the United States? I have been buying properties in the United States for more than 20 years already.Buying a real estate in the United States started in the late 80s, [...]]]></description> <content:encoded><![CDATA[<p> For several years now, people have been trying to call me to ask if it is still a good idea to invest in property in the United States? I have been buying properties in the United States for more than 20 years already.Buying a real estate in the United States started in the late 80s, when I got myself involved in the loan debacle and savings. This was when the banking system in the southern states was failing and we even had to make transactions of the property buying and selling without any banking system, since there were virtually no banks around.Now it’s as if there are bank crisis every 20 years in America. Prices significantly dropped, sometimes 95 cents on the dollar, when I was buying properties. We can even buy properties 5 cents on the dollar! There were even home units that we could buy for as low as $600 and a couple of thousand dollars per house.The fact that the Americans are currently going through a major bank crisis, a lot of Australians are apprehensive to take advantage of the US market. Perhaps you don’t have to worry about this issue if you are not going to live in the United States.In the late 80s, I did spend a lot of time with some Australians who were trying to save what’s left from their capital, the capital that they have invested in the U.S. And after 20 years, I’m doing it again – helping Australians who lost a lot of money, to get out of the United States and will still be able to keep the remaining capital that they have invested.The American and Australian Culture DifferencesWhy do you think this happened? Why do some Australians invest in the United States and end up being disappointed? Even if we read about 15% returns – 25% returns. I will examine that fact for you in a little while. But before that, I’d like to go back to analyzing the differences between the way Australians do business from the way the Americans do business. Most of this is outlined in the book, written in the 1970′s called, “American and Australian Cultural Differences”.In the book that Donald Trump wrote, “The Art of the Deal”, he simply mentioned there is no such thing as a win-win in business. It has always been ‘I win and you lose’. Here’s the first major difference, in Australia, people come first, then the money comes second. While in the United States, it is the other way around, big business and the big bucks comes first before the people. This doesn’t mean that Americans are bad and we are good, we simply have a different culture. Also, our governing laws lean that way.Our Australian culture and mentality is reflected in our legal system, a system that is shared with both legal and equitable law. Once a judge sees a contract that he doesn’t like, he can overturn the contract since under the equitable law, which means fair play law. Unfortunately, this is not how it works in the American playing field. The real deal is always on the piece of paper.On the lighter side of playing in the US market is, we both can sit down and talk work out a contract. I can even trade a portion of a property in the US for only $7. As long as we both sign a one page General Warranty Deed or Warranty Deed, that property is bought for $7. And it costs that much because that is what cost me to record this at the local court house and make the purchase. That is the deal whether we had a creative lease option or an installment contract. Unfortunately, if you get into some bad terms, you have no government body to come in and looks after you. The deal is, the dollar comes first.So, if ever you are in a country where the real estate has an “I win and you lose” kind of rule, be careful. They do have different set of rules.Here are some interesting stories of what actually happened over the years. Perhaps by the end of this article, some people can instill in their heads that the US may not be the best place to invest, unless, you already live there.US Property ManagementA lot of Australians assume that the US Property Management is handled the same way as it is in Australia. Here, when you buy or sell a piece of real estate, it is managed by the real estate agent. In the US, the people who sold the property to you have nothing to do with the management. Here, it is difficult to find someone who shares the same moral code as in Australia. And if ever you find one, it is expensive, and it can drain you financially.Here’s an example. Strangely, the American management companies can never bring your money to you in Australia. They seem to have a poor mail service since they lose a lot of cheques. What they do know is, your cheque sinks because Australia could be Atlantis. Bottom line is, it is about taking your money and not let you make a profit.If you choose to go for a good management company, a light bulb may only cost 25 cents, but if you get it installed, it may cost you $88. This is because good management company in the US, only use licensed people, and licensed people are expensive. Since everybody is afraid of being sued in the US, the property manager doesn’t use anybody who doesn’t have a license, whether it is a plumbing license, or electrical license.Although a light bulb in the US may last for 15 months, and it is indeed cheap to buy. However, since I have been an absent landlord, I have been charged several $88 to have my light bulb put in the house. And sadly, no Americans can change their own light bulbs.In Australia, we do a lot of stuff using our hands. Americans have been used to being gifted to for so long that they do nothing. When I rent my propertiesI noticed that my rented property in the US becomes un-rentable when: • the carpet is more than 2 years old, and• your property has been painted less than a year ago.In Australia, even if my place has a 10, 20 or even 30 year old carpet, I can still have it rented, even if it hasn’t been painted in the last 5 years. This is the reason why vacancy in the US is much higher than in Australia.How does this affect the management? We now know that a rented unit, apartment or a house in the US can’t be rented out unless it is in perfect condition, practically a new condition. This fact costs money. My apartment buildings in Dallas, Texas used to be vacant. I also had a building very close to SMU campus and the students had to move out at midnight. So, I had a crew go in to re-carpet and repaint. The next morning, I had new people coming in, at around 10 a.m. This is clearly an expense that you have, as a landlord.You also have management companies who make sure that they take money out of your pocket. Being constantly charged for various systems like, hot water, heating, and air conditioning which was never in your property.The Systems That Drains Your PocketHow about air conditioning? Most (if not all) of the properties in the US have air-conditioning. And air-conditioning is simply expensive. It would be great if the US tenants clean the filters. Unfortunately, they don’t. If that happens, your air conditioning systems get burn out. It would take another $300-$400 to have your air conditioning coils cleaned and have new compressors put in. This obviously drives you nuts! Another situation is the ice maker. American houses have an ice maker and every time you replace it, it costs $130 plus another $150 for the service call. That’s almost $300. Ice makers will last for 24 months.If you have 2 to 3 tenants who constantly change the temperature of the air conditioned properties, this can fry your air conditioning unit. You adjust the air conditioning system since you have tenants and unfortunately, they don’t respect your equipment. You will end up spending a fortune just for your air conditioning and heating systems. What may be standard in the US is not the standard in Australia.The management normally gets 10% of the gross income. A lot of American management companies get their kickbacks from the service tradesmen who are constantly sent out to the properties. Obviously, the landlord is not the priority of the US property management company, the tenants are. Whatever these tenants want, they get. No matter how careless these tenants are when using your equipments, no matter how constantly they burn up your cash flow or profits. These are just some of the things that never happens in Australia. Here in Australia, we serve people to live in is bottom of the range, Americans can’t be served this way.Most Americans don’t pay their rent. Those tenants who do pay rents in the US have a lower percentage compared to the Australians who do pay their rent. They even have a book that’s called “500 Ways to Rip Off Your Landlord and Never Pay Rent”. This book costs $19.95. You are simply in the area of big business, I make money and you don’t. A lot of these Americans don’t pay their rent. That’s how the business is – Americans do not pay their rent!A lot of Australians ran into these US properties with cash intending to refinance later and only to get their cash returned by creating more debt. The properties were cheap when bought because you can’t get financed. You will need to put all your cash in there and eventually bring out your cash out.If ever the management has left you any money, they will get it back from you by charging you all sorts of jobs that were never even done, like a house that has never been painted. That’s how landlords are eaten alive.Also, here’s something worth knowing, the American roof only lasts for 12 years. Ever wonder why the suburbs blow over in the storm? That’s because American houses do not have any steel nor cement in them, which are important. American houses are made of wood and bricks on the outside. The bricks aren’t even thick enough to hold up the house. They are only slate style brick which is an inch wide. Unlike Australian household brick, around 3-4 inches wide. This can actually hold up the house.For the American houses, the wood behind the brick face holds up the house. So the brick is just a fascia plate. What happens when a big hurricane comes? It wipes out the entire suburbs of this American house, simply because there are no bricks and no cement.What about the bathrooms? Here’s a revelation. They do not have any water nor sink hole for the water to go all the way down. The American bathroom floors are just made of plywood, standard of five ply. I change the bathroom floors every 4 years since it only costs $ 300 – $400…if you do it yourself. Yes, it is necessary to change the bathroom floors every four years, in case you didn’t know. As mentioned earlier, the American bathrooms do not have any drainage hole. So the water sits on the floor which is often carpeted. Eventually, it rots, that’s why it is a must to change your bathroom floors every four years.Another thing you should know is that American sewer pipes are 2 inches, not 4 inches. Expect to be fixing blocked toilets every so often. In order to have it fixed, you would need to call the Rotor Router guy and pay $90. It is the standard way of fixing blocked toilets.Your tenants will be blacks, whites or Hispanics. A lot of Australians do not realize that when they buy a cheap property, they do not understand where they are buying these properties. What kind of neighborhood it has and such. The Hispanics are great. They actually pay their rent even before they feed their children. But did you know that there is this expression called, ‘they’re hard on the machinery’, the Hispanics are really hard on a property. Perfect example is, they use lard when cooking. Lard is fat. They pour this lard down your sink, which causes the sink to get clogged. Which means, that you will need to call a Rotor Router guy every three to four months. Or perhaps, your managing agent will be the one to do this work for you. Making you spend more because they had to unplug all your pipes.I knew this one gentlemen who lived in the Sydney suburb of Roseville. He bought 52 cheap units. What he didn’t understand was that it was 52 units of Hispanic residents. This man ended up financially crippled because of the operating expenses of the Hispanics.The Hispanics, like to sit in the back of their pick up trucks and shoot their guns on a Friday or Saturday night, which is fine. They like to drink a lot, and in many of the States, there is no drunk driving laws. So I would often dig a pick up truck out of my swimming pool full of these drunk Hispanics who drove their pick up through my fence and straight into the swimming pool. What makes it harder is, majority of these Hispanics don’t speak English at all. And it is expensive to get tow trucks at 3 in the morning.The sad thing is, when Australians buy a property in America, they think that it has the same system and set of standards as it is in Australia. You have to remember that America is a totally different market. They think, do and act things differently. The carpets do not last long, the paint does not last long either. Although it is cheap to paint and you only need to spray the paint using spray gun. Nobody uses brush anymore because spray gun is a lot easier to use and you need to repaint after 2 years.Currently, I am assisting a lady who has a property in New York. Her agent put the property for $1.3 million on the market. Even to this day, I do not think that her property is worth anywhere more than $900,000 in the present market condition of the US. This agent has produced a back pocket buyer who don’t really exist. He would actually report someone trying to buy the property, and then not buying the property. There would be reports that this house does not have tenants when in fact there has been tenants in there for 9 months already. The agent collects the money and puts it in their back pockets telling the owner, “I’m sorry, we can’t get any tenants”.When you do find out that you actually have tenants in your properties, your management people will keep telling you there isn’t and they’ll just draw off the money and you’ll keep paying the cost.The main idea here, intentionally or unintentionally, is to make you financially bleed. Until such time that you decide to sell the property back. Surprisingly the management company has a back seat buyer who will take pennies on the dollar. I have witnessed this incident so many times.What about your lawns? What happens if they don’t get mowed? Your the management company does not take care of this. They do not organize anybody to mow lawns since the city is going to come in and mow the lawns for you. Simply because they have city codes and ordinances that you need to make your house look clean and tidy. If you do not make your house look clean, the city will come in and make it look clean and tidy, then you get charged for $400 for having them do that for you.You are not allowed to park your car on the street, that’s the rule for most parts of America, because if you do, you will be charged any towing costs. And you now have a lien to the city. If you are in Australia, you may not find out about this because the notice is probably sent to your American mailbox or even to your American property manager, which is the usual case. Your American property manager does not pay it. He goes out of business or simply destroys it. Since you don’t know what’s going on, the city sells your property from under you. The city wants its money back for its $400 lien, and will take your property to foreclosure and even sell you out.This is what you hear or watch on late night television, the city tax lien sales. This is where the city owed money on properties. Next thing you know, they will just sell your property up and you will just find out that they either sold your property or they have condemned it.Your property has a burst pipe flooding problem which is why the city will condemn it. We had the same issue in Dallas, Texas. That is a hot State and it simply means that you will have to constantly run those taps. So during the winter, if I don’t get all my piping blown out, there’s a huge risk that my pipes will burst during the winter months. Then I have major flood damage. Another term used for having the pipes blown out is winterizing. This leaves me two options, to have it winterized and cost me, or make sure that my taps are dripping and make sure that the house is above 68 degrees- which will also cost me on air conditioning and heating system running 24/7.Oftentimes, you get it wrong. Your pipes will burst while you are not around to fix and sort things out. So the city comes by, and condemns your property. They will condemn it by putting a huge tape across the front door. Worse is, the homeless people will move in and will destroy whatever’s left of it. They can even sue the city if they hurt themselves in a city condemned property which may lead to having to remove your house from the lot. They will leave you with what is called a PAD. This has happened a lot in the United States in the early 90′s. You will have nothing there but a cement pad. If you look at the bright side, the cement pad is clean and smooth for you to rebuild another house.These are just some of the things we don’t do in Australia. Many Australians get lost and confused by this. They sell their properties for $19,000 without understanding that they have black tenants who sometimes do guns and drugs and don’t pay the rent. So, if I was an American and I wanted to sell you some properties in Australia, I will put phantom tenants in the properties, create a bunch of leases that will show how much they’re supposed to pay and for 2 or 3 months. I will also make sure that the money goes through the books to encourage some Aussie sucker to buy properties.Aussies come in and their tenants don’t pay rent. All of these guys carry guns, unless you want to start learning how to use a.44 hand gun in order to collect rent, then you’ve to start getting these guys, who are doing drugs, out of your house. American properties can be bought for as low as $8,000 simply because nobody goes there. This neighborhood is the gang areas, the drug houses and the house of prostitutes. Australians are not used to this. There are a number of gun carrying States in America. People either strung out on drugs or get shot and these are the cheap properties that Aussies start buying.The issue here is not because the Aussies are buying cheap properties. The point is, they do not understand why it is cheap. They need to know that the Americans won’t touch it for many reasons. Most of the US mortgage companies do not lend money less than $50,000 and because of this, you cannot get your cash out. So even if there’s a buyer for your $40,000 or $45,000 property, an American cannot get this because of the loan size. Although it used to be $35,000, now they’ve increased it to $50,000-which is the minimum loan size.If that’s the case, most of these Hispanics, blacks and the people who live in this neighborhood cannot buy it since they do not have the 50 grand to spend for this property. They cannot borrow it because the loans don’t exist. Only thing left for them to do is to cash out.The investor will cash out the money, not the black person, nor the Hispanic person. This investor will take you out at $20,000 initially. Then he will walk in and string you out. He will do this because he’s the only one with the cash and you will find out that you are going to get about $20,000.Whenever people talk about these gross yields in America, what they say is, this property is gross yielding 26%. But it is important to remember that is before an amount of your money is taken out from repairs, maintenance, vacancy and other unforeseen expenses. My property, where I used to live, is 17.4 % of every dollar in up keep. It is indeed cheap to get parts for US houses. If you are in the US doing everything yourself, it would have been great. But if you actually live abroad, and you have properties in the US, that’s when it’s a killer. What will drain you financially is the cost labor of having someone to do the job while you are not around.Another burden foreign landlords need to keep in mind is the airfares, of flying back and forth to the US, not to mention the overseas phone calls and the time difference, when you have to get up at 5:00 am in Australia just to speak to somebody in the management office. Unfortunately, you don’t get to speak to anyone, because everybody has voice mail. The fact that you cannot speak to a live person drives you nuts. You will also notice that your cheques won’t arrive. That American banks won’t wire money to Australian banks unless you have filled out different legal documents.You have a whole bunch of extra paperwork from the new Patriots Act that Bush brought in. This whole stack of paperwork will stress you out to the point that you would simply want to pull your money out of the US back to Australia.Up to now, I do not know any Australian who made a profit from buying and holding a property in the US. But people still call me, people who bought properties in the US looking forward to getting a big profit. Fact is, that day may or may never come.Here is another story for you. I bought a 22 home units property from the US government and I owned it for 2 years. Well, it took me 2 years to fix things in order to buy it from the government. My cash flow should have been $11,000 after all my expenses. I have hanged on for 2 years and I never got a check above $1,500. Like their system, it goes, and disappears.You need to understand their structures, the LLCs, S Corps, companies, everything. You will need to do all these tax treaties and corporations with the US government. An average Aussie accountant will not be able to do your taxes any more. You’ll end up going to Coopers and Lybrand, the biggest companies in Australia to do your taxations, and because they understand the structure in the US. The LLCs, S Corps, C Corps, all these things that you have set up in the US.For Starters, these guys will charge $300 per hour. Here, you will discover that your tax bill will come from $1,000 up to $15,000 a year just to acquire an Australian and US tax return done. That would surely kill you. This is what you call, the on cost of doing business.However, if you do live in the United States, you will absolutely profit from it. You will earn a lot from buying and trading properties in the US, simply because Americans forget about equity. For them, real estate is not an investment vehicle but a consumer item, that as soon as they are finished with it, they can leave and move on. If you are in the US, you’ll witness this yourself. The Americans will know that Aussies have not left for Atlantis to live there, they will realize that you can show up the next day with a double barrel shotgun, demanding to get back your money, so you can make profits – BUT, that is only if you are physically there.We can take advantage of a lot of situations when we are there in the US. I made a lot of money when I was buying, selling, trading properties. But we have to understand how real estate trading works in the US. My objective of writing about this today is to recognize two essential things. We may speak the same language as the American, but our philosophy about business is totally different-which is, ‘they win and I lose’. Majority of Australians who invested in properties in the US do not go through this without legal battles.In the US, people sue each other. This isn’t about just winning, it’s about making the other guy bleed and dry. Whoever gives up first will comply to what the opposite party wants. This is the painful reality of real estate business in the US. I’ve seen a lot of Australians go into that industry in the US market, and will eventually come back broke, drained and stressed. They do not get anything near their returns at all. And yes, your cheques will mysteriously get lost in the mail.My ultimate message is, spare yourself from this painful experience. If you want to earn money, you can earn it here, in your own backyard, without having to buy any airline ticket, dealing with US corporations, learning and understanding a different country’s system and way of doing business-the hard way. Yes, we do speak the same language as them, but they do not do business the way we do. It may sound appealing and sexy to say that I’m off to see my house in Florida, but there are more negatives than positives in this experience. Find the same opportunities here in Australia.When you see US figures for yield returns, find out what the net yields and figures of the net return. Consider the repairs, maintenance, vacancy and other surprising expenses that will come your way. Brace yourself from disappointments. Don’t say I didn’t warn you. This is probably your way of knowing and seeing what properties in the US can do to the investor.I also came across an e-book about an author who shares his similar experience when buying a property in the US. In case you want to read about this as well, you can find it on http://www.seekingfortuneinnewyorkstate.com. </p>]]></content:encoded> <wfw:commentRss>https://aaaubms.info/should-australians-still-invest-properties-in-the-united-states.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Ageism In America – Discrimination Against Older People In Health Care</title> <link>https://aaaubms.info/ageism-in-america-discrimination-against-older-people-in-health-care.html</link> <comments>https://aaaubms.info/ageism-in-america-discrimination-against-older-people-in-health-care.html#comments</comments> <pubDate>Tue, 24 Jan 2023 20:37:11 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://aaaubms.info/?p=48</guid> <description><![CDATA[Older people are the back bone of our society, yet they are frequently treated poorly and suffer discrimination when seeking health care. Many older Americans receive second and third class health care because health care professionals are either not trained to care for the needs of older people, or the provider doesn’t feel that the [...]]]></description> <content:encoded><![CDATA[<p> Older people are the back bone of our society, yet they are frequently treated poorly and suffer discrimination when seeking health care. Many older Americans receive second and third class health care because health care professionals are either not trained to care for the needs of older people, or the provider doesn’t feel that the older person’s health is important enough to warrant better care. Ageism against older Americans is a widespread practice that affects over 50% of American households with older people.When a person reaches the age of sixty, health services are sometimes based on a person’s age. For example, some health care professionals decide not to run certain tests or prescribe certain medications and treatments because they don’t feel that the tests will be beneficial, or that the medication or treatment will work for the patient. Another reason that health care professionals hesitate to provide in-depth care to older people is because they don’t want to put the person though the procedure with the assumption that it would be too tiresome or too hard on the patient. If asked, older people want to go through the tests and procedures in order to take care of their health, but many health care providers don’t ask the patients what their wishes are.In spite of public acknowledgment that ageism by the U.S. health care system does exist, no steps have been taken by the system to remove its bias against older Americans. Ageism continues to be practiced in all levels of health care. In a recent interview with Joe Reynolds,* a 71-year old Oregon resident, Reynolds stated that because he is an older person, health care providers are reluctant to treat him, and some have refused him treatment because of his age. Reynolds has diabetes, and has undergone a heart bypass. He is angry and frustrated with the medical practitioners that he has seen because he has the insurance to pay for his care, and he feels that he can tolerate the tests, procedures and medications. He declared that none of the health care providers is willing to provide the real care that he needs to live as healthy of a life as possible. Reynolds stated, “I’m old so they don’t want to do anything to help me. They don’t ask me how I feel about anything; they don’t ask me for any input about my needs. They just don’t care.”Older people like Reynolds give up and die sooner than they might have if they had been able to receive the necessary medical care. They feel like the cast-offs of society, and rightfully so. Some older people commit suicide instead of being forced to live with pain and other treatable medical conditions that they are unable to obtain treatment for.Preventive care that is routinely provided to younger people is often denied to older people. Screening for life threatening diseases and conditions is provided readily to younger people, but is grudgingly provided to older people, if it is provided at all. Older people are routinely left out when it comes to treatments such as chemotherapy, even though an older person can tolerate it just as well as a younger person. Attitude is also a factor in providing care to an older person. If the attitude of the health care professional is predisposed against providing that health care, the older person will suffer the consequences.The U.S. Health Care System needs to work harder to remove its prejudice against providing adequate and equal health care to older people, and treat them like the deserving American citizens that they are. Older people are the reason that many of our luxuries and comforts are here today. Health care partiality is not the way to treat the people that made this country.*last name changed at the request of interviewee© Copyright 2007 Patti McMann. All rights reserved. </p>]]></content:encoded> <wfw:commentRss>https://aaaubms.info/ageism-in-america-discrimination-against-older-people-in-health-care.html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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