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Thursday, February 28, 2013

An Incredible Gift from Financial Markets

Today I’ll show you an incredible “gift” investors, speculators and traders are using to make money.

The “gift” is exchange-traded funds or ETF for short.

Hang on……I know you’re probably familiar with ETFs.

But I’ll show you how my clients and I are making money with them. You won’t learn these tactics on financial websites or from the clowns on CNBC.

An exchange-traded fund (or ETF) is an investment vehicle traded on stock exchanges, like stocks.

I’ll give you a powerful overview in a second.

The profit making potential of ETFs is mind-boggling…and here’s why…

The risk of trading ETFs is super-manageable, and especially for beginning traders and speculators.

I like the ETFs for three reasons:

1.     Risk is limited to the initial investment (LOW)
2.     The ETF market is easy to enter and exit (LIQUID)
3.     ETFs offer nice leverage (LEVERAGE)

You won’t have the same leveraging or pyramiding ability of a futures contract or Forex.

But there’s a new type of ETF which enables traders and investors to leverage opportunities in a big way.

Marc’s ETF “Cheat” Sheet

An ETF holds assets such as stocks, bonds, currencies, or commodities and trades at approximately the same price as the net asset value of its underlying assets.

The most popular ETFs track an index, like the Dow Jones Industrial Average or S&P 500.

ETFs can be an attractive tool for making money because of the relatively low risk, tax efficiency, and stock-like features.

An ETF combines the feature of a mutual fund meaning it can be purchased or redeemed at the end of the trading day for its net asset value (or NAV).

ETFs traditionally have been index funds, but in 2008 the U.S. Securities and Exchange Commission authorized the creation of actively-managed ETFs.

What is an Actively-Managed ETF?

An actively managed ETF will have a benchmark index (like the S&P 500), but managers can change sector allocations, market-time trades and/or deviate from the index as they see fit.

This produces investment returns which will not mirror the underlying index perfectly.

Passive ETFs typically follow indexes pretty closely, which allows investors to track the fund fairy easily.

Oil Exchange-Traded Funds

The price of oil has climbed to historic highs.

However, not everyone believes oil will remain at historically high levels for eternity, including me.

In fact, the last four months is a good indication of what can happen in the oil market….it can skyrocket when bullets start flying.

But…..and listen closely……oil can plummet in price too! Almost NO ONE believes this….but this is where the real money is made.

For example, look what happened to oil during the recent disaster is Japan….the price of oil went down!

You can make a fortune with ETFs when you understand how to trade markets when before they skyrocket or plummet… especially if you go against the crowd at the right time. 

On top of that, with EFTs you can wait indefinitely!

Gold Exchange-Traded Funds

Gold is trading at near three-decade highs.

But you can make a fortune when and if gold plummets in price too!

I know….this is a hard thing to grasp. It’s also one of the hardest lessons for novice traders to learn.

Look around…..everyone from Glenn Beck, Rush Limbaugh and Sean Hannity to Warren Buffet and George Soros is touting gold as the greatest investment since the dawn of civilization. There are hundreds of “buy gold” commercials running at any given time.

But very few people believe the price of gold or precious metals will decline over the next 12 to18 months.

The so-called financial experts try to convince people gold will surge in price for eternity.

But like stocks, real estate, bonds, baseball cards and diamonds this is not always the case.

Sure… in times of sudden panic, stock market crashes, currency wars, etc. the price of gold “tends” to rise quickly.

But the price of gold can plummet during crises, too – as witnessed in the gold market recently.

For example, the price of gold surged from $400 an ounce in 2004 to more than $1400 an ounce in 2010.

However, at the beginning of the real estate and mortgage crisis in 2008 gold actually FELL in price.

So whatever your view happens to be there’s likely a Gold ETF you can trade.

Cool Insight on “Ultra” Exchange-Traded Funds

If, as an investor or trader, you believe the price of something will go up, you are considered bullish, or a “bull.” If you believe the price of something will go down you would be considered bearish, or a “bear.”

As an investor or a trader you might even be “ultra” bullish or bearish, meaning you think the price of something is going to go up or down in a big way.

That is the beauty of a new breed of ETFs called “ultras.”

Ultra Exchange-Traded Funds enable an investor or trader to leverage an investment in a much bigger way than just an ordinary ETF.

Here are a few “ultra” ETFs you can track on any financial website. I’ve noted the underlying stock, bond, currency, or commodity:

ProShares SIJ UltraShort (Industrials)
ProShares EFU UltraShort (MSCI EAFE)
ProShares EEV UltraShort MSCI (Emerging Markets)
ProShares EWV UltraShort MSCI (Japan)
ProShares MZZ UltraShort (MidCap400)
ProShares SCC UltraShort (Consumer Services)
ProShares DXD UltraShort (Dow30)
ProShares FXP UltraShort (FTSE/Xinhua China 25)
Proshares SKF UltraShort (Financials)
ProShares RXD UltraShort (Health Care)
ProShares DUG UltraShort (Oil & Gas)
ProShares QID UltraShort  (QQQ) Twice inverse of NASDAQ-100
ProShares SRS UltraShort (Real Estate)
ProShares SDK UltraShort (Russell MidCap Growth)
ProShares SMN UltraShort (Basic Materials)
ProShares SZK UltraShort (Consumer Goods)

How to Make Money with ETFs

Every investor has an opinion of the world financial markets, politics, and economy.

This is why the markets move so dramatically – up, down, and sideways.

In order to make money with ETFs your world view of the future needs to be accurate.

What’s more, you need to be fairly accurate in terms of timing too.

For example, in 2000 I was confident the Dot-com hysteria was a joke. I was advising several companies being run by 20-year olds valued at more than $100 million each…with NO sales.

It seemed like everyone was swept up in the fantasy.

And novice traders were making cash hand over fist on stocks of these Dot-com companies – on paper.

But no one I knew or read about removed profits from the Dot-com fiasco by the time everything collapsed.

In this case my world view of the market was correct. I made a bundle shorting tech and Internet company stocks. But my exposure to downside risk was way too high.

On top of that my timing was off by 10 months or so. I knew the market would plunge but timing is crucial.

Our view needs to be accurate in terms of “timing.”

And so…..

In order to make money with ETFs we need to examine the market we’re investing and calculate a “reasonable” time frame.

Now….one of the great aspects of ETFs is timing is not overly important.

You can hold an ETF for weeks, months and even years without any downside risk, margin calls or frustration.

For example, everyone knows the housing and real estate market has been in serious trouble for more than 3 years.

Some investors believe the housing market will bounce back in 2011. While other investors believe the worst is yet to come this year.

The reality is probably somewhere in the middle.

If you believe the housing market will stay the same or get slightly worse there are two ETFs you could purchase to take advantage of that trend:

Ultra Short Financials Proshares (AMEX: SKF)
This ETF benefits when and if financial services suffer. This would include real estate lenders, international banks; property and casualty insurance companies; companies invested directly or indirectly in real estate; diversified financial companies, such as Federal National Mortgage Association, credit card issuers and investment advisers; securities brokers and dealers, and investment banks,

ProFunds Short Real Estate Inv (MUTF:SRPIX)This ETF invests in derivatives that ProFund Advisors believes should have similar daily return characteristics as the inverse (opposite) of the daily return of the index. Assets of the fund not invested in derivatives will typically be held in money market instruments. It is non-diversified
The beauty of ETFs and specifically “ultra” and “double short” ETFs is they enable a trader to leverage markets (up or down) in a big way, but offer lower downside risk of futures and Forex markets.

There you have it!

Everything you wanted to know about ETFs but were afraid to ask!

Your humble host…

Marc Charles

(Ed Note:  Marc Charles is referred to as "The King of Business Opportunities" ....and for good reason. He should be known as "The King of Legitimate Business Opportunities"...because he's launched, bought, sold reviewed and advised on hundreds of businesses and money making opportunities. He understands legitimate opportunities. Marc has agreed supply League of Power members with crucial updates regarding legitimate business and money making opportunities.)

******* Action Strategy *********

Start researching the “ultra” ETF market today.

When you start trading ETFs you’ll need an online brokerage account.

But that’s easy… can open an account with as little as $500.

The right ETF enables you to profit if a market skyrockets, plummets or trades sideways.

On top of that, you can make a boatload of money with double long or double short (ultra) ETFs.

You can subscribe to ETF publications and advisories to gain some street smart insight. I’ve included a couple of recommendations in today’s issue.

Paper Trade ETFs!

You can trade ETFs on paper and never risk a dime!

Simply select the ETFs you want to buy (or sell, or purchase options on), write down the current market price, and watch them in the paper or financial websites go up or down in value.

Develop an exit strategy.

Buy and hold for eternity will not work in the coming months and years. Nothing lasts forever – so develop a specific exit plan and remove profits regularly.

******* Valuable Resources ********

Exchange-Traded Funds CenterYahoo! Finance

ETF Investment Guide - ETFs


New Book Recommendations

The ETF Handbook by David Abner

Super Sectors: How to Outsmart the Market Using Sector Rotation and ETFs by John Nyaradi

The ETF Book: All You Need to Know About Exchange-Traded Funds by Richard Ferri

Monday, February 25, 2013

“How Can I Make Money as an Online Teacher”?

“How Can I Make Money as an Online Teacher”?

Question: Hey Marc: I’m trying to find ways to make money as an online teacher or instructor. Do you have any ideas, suggestions or recommendations”?
                                                                                                  Flagstaff AZ
6:53 AM

Dear Entrepreneur:

Thanks for the question!

You CAN make money in online education.

I taught an online course recently and received $150 for three hours of work. 

Actually, it took a more than three hours of work.  There was some prep work and research. But it was a lot of fun and super easy to do. And I’m still getting traffic to my other ventures.

Online education is growing like wildfire!

Heck…. Online education startup Knewton recently received more than $54 million for rapid expansion. The company customizes educational content to create a personalized learning experience for students, it’s pretty neat.

And the best part is….

There are several ways to grab your share of the online education cash flow. 

This week I’ll focus on becoming an online instructor. But there are many ways to make money in this market.

The first thing people usually say to me is “I’m not qualified”.

That’s what S.E. said to me during lunch last week in Camden Maine.

Steve is a graphic designer. 

He works for a large specialty publisher with print and online products.

Steve’s been honing his craft for more than 20 years. He’s a great teacher.
I sent him links to 9 online instructor opportunities he could look into.

He checked them out and told me two companies are interested in his services.

Customized Education is Fastest Growing Segment on the Internet

The reason online education is growing so fast is money.

But actually it’s the lack of it! 

Here’s what I mean…..

People often weigh the pros and cons of traditional schools versus online or distance education.
There’s nothing to compare when it comes to cost. 

The cost of online education is only a fraction of what you’ll pay to attend a “traditional” school.

Master’s Degree in 14 Months

Online education is changing the way people learn.

The other advantage is speed.

Online education can slash the amount of time it takes to get a degree.

For example, it can take up to four years to earn a Master’s degree at a traditional college or university.

You can earn a Master’s Degree online in as little as 14 months.

No……I’m not talking about a “Cracker Jack Diploma” (the kind you find inside a box of Cracker Jacks). I’m talking about an accredited degree accepted anywhere in the world.

On top of that, traditional schools require students to be in the classroom at specific times every day.

That is one of my beefs with public or government sponsored schools. It seems like a training ground for jobs in the Industrial Age. 

Public schools are like an assembly line. 

Everyone glides into the classroom on a conveyor belt at exactly 7:00 AM. 

The bell rings, and everyone mounts the conveyor belt for the next class.

What happens when a student wants to spend more time in class studying, researching or exploring something exciting?

That’s unacceptable….get on the conveyor belt!
Time and your physical location are irrelevant with online schools.

A student can work at his or her own pace!

My daughter is a sophomore in high school. Yesterday she said, “The teachers are too slow. They’re always repeating things for the kids who don’t understand or don’t want to learn. The teachers spend too much time disciplining kids too”.

We tried to talk our daughter out of going to the public high school.

But the biggest problem at public schools is students are taught as a group, not as individuals. 

There is no customized or personalized learning. It doesn’t fit the government “model” of education.

Granted, some kids go to college for more than education. 

People go to college for camaraderie, the sports, a new adventure and to get away from mom and dad.

And don’t forget the parties! Parents should visit college campuses unannounced to see how their money is spent.

Profit Opportunities!

Traditional colleges and universities are nervous because students prefer the Internet for their education. 

Granted, some colleges and universities have started to embrace the Internet and distance learning.

The cost of a college course today is ridiculous. 

More than 85 percent of the tuition paid to schools goes to tenured professors, administrators, management, overhead, taxes, sports, and fees, etc.

One thing colleges and universities could do is lower the cost of their courses. You would think in the current climate and economy they would do this. 

But no…most colleges are increasing tuition and course fees!

16 Million Students and Climbing!

There were more than 16 million students enrolled in distance and online learning programs in the United States at the end of 2010, according to the U.S. Department of Education.
The demand for online teachers, instructors, and tutors is skyrocketing too, according to Ken White, author of the Online Teaching Guide

Help Wanted: Web-Savvy Entrepreneurs and Teachers!

Online education offers exciting opportunities for Web-savvy entrepreneurs and for people who can teach. 

I recently accepted an assignment as a guest instructor for a distance learning program called Understanding Internet Search Engines. I was paid $2,500 for about six hours of work.
It’s true, most colleges and universities have steep academic requirements for online instructors.
The good news is you don't have to work at top colleges and universities to make money as an online instructor.
But traditional schools may be an option worth considering.
The way people are learning has changed
The “classroom model” of instruction for the past 300 years is dying a slow painful death.
My neighbor is a retired (tenured) professor from Columbia University. He makes six figures tending his flower beds, playing his banjo and sipping cold Chardonnay.
But he said, “The days of tenure of coming to a close. The schools can’t afford it any more”.
Thank God his golden parachute is safe!
Anyway, the point is….online and digital instruction is available in the “cloud” now. Cloud computing is here. It simply means the “cloud” or network covers everything.
You can access the “cloud” from anywhere with multiple devices like a netbook, iPhone, iPad, Kindle Fire, Desktop PC, TV, Blackberry or disposable laptops.
Watch how kids teach themselves today….they jump to YouTube, Facebook, Twitter or niche forums like Programmers Heaven.
On top of that, online education is intertwined with online gaming… much to the chagrin of “old world” tenured professors and teachers.
We homeschool our kids. My oldest son was homeschooled until his Junior year in high school.
He received his high school diploma online, as well as certification in four programming languages. Most of his learning came by way of online gaming! He secured his first paying “gig” online as well.
The 17 fastest growing online schools with web-based curriculum:
What the Heck is Distance Learning?
Distance learning gives people the option of earning college credits off-campus, via television, the Internet, satellite classes, web-conferencing, videotapes, DVDs, correspondence courses, and other means.
Today, most major colleges, universities, and technical school have distance or online learning divisions.
And hundreds of online "virtual" learning centers are being launched every month.

How to Make Money as an Online Instructor

There are basically two ways to make money as an online instructor.
  • You can apply for positions or projects at established colleges, universities, and learning centers. To do that, you submit your application to the Human Resources Department (which can usually be done at the school's website).
  • You can teach as a freelance instructor. If you decide to go with this approach, you may have to forgo some of the benefits and perks that on staff teachers usually enjoy -- but you will have more freedom and flexibility.
Do I Need Academic Qualifications?
Granted, most conventional colleges and universities require an academic background or qualifications in order to teach online courses.
But many do not!
I mean yes….you need to be qualified in a particular area in order to teach the subject and GET PAID.
This goes without saying.
But hiring process has changed.
Here’s a funny story…
A friend of mine stumbled upon an advertisement at an online college for an “Internet savvy entrepreneur with bricks and mortar expertise.”
Just for the fun of it I applied. But rather than submit my colorful academic qualifications (which are non-existent because I’m a college reject and drop-out), I submitted a powerful sales letter and a list of my dismal business failures!
But to be fair I included a brief overview of more than 30 business start-ups I launched.
On top of that, rather than submit the information online, I sent it to the appropriate person in a FedEx NextDay letter!
I was retained for the project within three days.
I realize some higher education centers, colleges, and universities require specific academic qualifications, and this doesn’t change with online instruction.
But the fact is you have (or can develop) specialized knowledge and the demand in this area is growing like wildfire!
Some online learning centers and distance learning programs compensate instructors on a "per student" basis.
For example, the University of Phoenix compensates instructors $40 to $150 per student per course. And there can be anywhere from 5 to 75 students registered for each course. (Course lengths vary, but are generally from one to six weeks.)
Let’s do the math . . .
If you teach 20 courses a year (two per month, with summers off) with 32 students per course, and you are compensated $80 per student, you would earn $51,200 per year.
But let’s say you’re only willing to teach 10 courses per year, with only 20 students per course, and you only receive $50 per student. Fine – that’s still $10,000 a year doing something you love.
As you can see, this is an exciting opportunity and a great way to make a living (or a nice chunk of extra money). is another great resource. You'll find links to course catalogs, instructor forums, teaching resources, and job postings.
More Ways to Make Money as an Online Instructor or Teacher
1. Become an online researcher.
2. Start your own online college, course search engine, or virtual learning center.
Starting an online college could be a substantial undertaking. But people are going online in droves to improve and enhance their education. And as an Internet-savvy entrepreneur, you can't afford to ignore a trend like this.
One way to launch an online college or learning center would be to specialize and target a specific niche. For example, you could start an online college that specializes in network security, encryption science, or Web development.
Another angle might be to create a search engine that provides exclusive "how to" articles like this one: You could charge a monthly fee, or micro-payments for specific "how to" articles.
A course search engine also has potential. The idea is to populate a search engine with thousands of online courses from hundreds of colleges, universities, and online learning centers around the world. Students could search for a course by title, keyword, phrase, or popularity.
This search engine would be free to users. Entering into partnerships with the colleges, universities, and learning centers would generate your revenue.
You could also offer "enhanced listings and links" to those that want to be featured "foremost" in the search results. It would be similar to the Google AdWords model.
Another angle on this idea would be to purchase these courses in bulk from the individual institutions and then re-sell them to students at a profit.
Remember, these courses would be stored in a database for easy online access by students.
It’s simply a matter of re-selling information that's already been developed. offers more than 6,300 online courses that can also be downloaded.
Now that’s what I’m talking about!
The potential for online and distance learning is substantial.
Online education and distance learning is a hot rising trend and very profitable market.

Marc Charles
“The King of Business Opportunities”

(Ed Note:  Marc Charles is referred to as "The King of Business Opportunities" ....and for good reason. He should be known as "The King of Legitimate Business Opportunities"...because he's launched, bought, sold reviewed and advised on hundreds of businesses and money making opportunities. He understands legitimate opportunities. Marc has agreed supply League of Power members with crucial updates regarding legitimate business and money making opportunities.)
Action Plan
The fastest you get started the easier it will be.
So, apply at the University of Phoenix or one of the other online schools or resources I mentioned in today’s issue.
If you Google online education you’ll find thousands of resources. There are hundreds of opportunities for online instructors at too.
A New Market
Edutainment is the combination of “education” and “entertainment.”
Online instruction and distance learning often incorporates both of these areas into the education process.
In other words, in order to make education and instruction more entertaining colleges are integrating high definition video, PowerPoint presentations, online tutorials, TV, movie clips, texting, live Internet, and teleconferencing into the presentations.
The more you can integrate these applications and resources into your presentations the better!
You could also start your own online college! Granted, this strategy would take some research but entrepreneurs are doing it as we speak.
You could also offer or re-sell courses (or certification) of other institutions. This would be an affiliate type arrangement.  You can check out the Education Portal for ideas.
Another approach would be to offer small courses (or certification) free of charge, and full length courses for a fee.

Valuable Resources

Online Instructor “Jobs” Too

I prefer approaching the online education market as an entrepreneur or freelance contractor.

For me, there are too many restrictions in a conventional “job”. I also think the money is often better when you work as a freelancer.

But sometimes a traditional job in this market will get your foot in the door.

A job can be a perfect fit for some people. Here are some resources for online instructor jobs:

Monday, February 18, 2013

This Business is THRIVING in the Economic Collapse 

Almost Anyone Can Do It!

7:22 AM

Dear Entrepreneur:

An email from a reader........

“Hey Marc, thanks for the insight scoop on this puppy. I completed my first deal last month. I only made $1400 but I can’t get over how easy it is”.
                                                                                                   R.T. San Diego CA

I’m going to give you the inside scoop for an incredible business today.

And you know…..I thought this business was too complicated and a major time sucker.

But I was wrong.

Be aware….the competition in is fierce.

Competition is NOT a bad thing!

An entrepreneur sent me an email on Monday and said the business he was looking at “Has no competition whatsoever”.

No competition is always a red flag!

If there’s no competition there’s a good chance no one wants (or needs) the product or service.

On top of that, the most competitive markets are often the most profitable.

Take the “cash for gold” market for example. It is very competitive.

Everyone and his brother are jumping on the precious metals bandwagon today.

But….buying and selling precious metals can be VERY profitable, when done correctly.

There’s a right way and a “hard way” to approach the business I’ll show you today.

Let’s focus on the right way.

In addition, the market is much larger today than it was five or six years ago because of the collapse of the real estate market.

The Insiders Secret to Cash Flow Notes

Let’s get real....

Most of the time, the people on the inside track for prime cash flow notes are

1.     Seasoned investors
2.     Bankers
3.     Real estate lawyers (and judges)

But you can still find incredible cash flow notes and deals without twenty years of investing, banking and real estate law under your belt!

I’ll show you what you need to know to be successful in this market.

What the heck is a cash flow note?

Cash flow notes are IOUs.  They are an agreement to pay someone a specific amount of money, with interest, over a specific period of time.

The most popular cash flow notes are commercial and residential “paper” (also known as a mortgage).

There are cash flow notes available in almost every conceivable real estate investment. Most (but not all) cash flow notes are secured with a title deed.

But you can find cash flow notes for everything from accounts payable, structured settlements, royalties, leases, pre-construction deals, and more.

I’ll focus on real estate cash flow notes in this week’s issue.

Here’s an example of a cash flow note…

The Johnsons sell their $250,000 home with owner financing.

The Johnsons ask for $25,000 down and finance the balance of $225,000 at 10 percent interest. The Johnsons receive monthly payments on this “note” until it’s paid off.

That’s where the “cash flow” part comes in.

An entrepreneur calls the Johnsons and offers them $220,000 for the note on their home. The Johnsons agree. The entrepreneur buys the note and resells it to another buyer who is willing to pay $225,000 for it.

The first entrepreneur keeps the $5,000 difference and the Johnsons get $220,000.

This process is contingent upon locating note sellers and brokering a deal for each note to willing buyers.

In the real world…which is how I look at business opportunities…. it takes a lot of time, energy, and money to build a network of qualified cash flow note sellers and buyers.

But entrepreneurs are making money in this business.

What’s more, there’s an established network of entrepreneurs already doing these deals… they’re called bankers, lawyers, judges and real estate investors!

Marc’s Insider Secrets

One secret to “winning” in the cash flow business is direct marketing.

That’s right!

Who would’ve guessed direct marketing is a key? But it is.

You’ll need to find and reach qualified cash note sellers.

Cash note sellers are typically home owners, business owners, and other real estate investors who have provided financing to buyers.

One of the best ways to reach a large targeted audience quickly (if you don’t have an established in-house list of contacts) is with TV.

That’s right - television.

Stay with me now… it’s not as expensive as you might think.

You see…the guys selling cash flow note business opportunities on late night TV are selling kits and packages. But the smart entrepreneurs are building online networks of buyers and sellers and taking a percentage of every deal.

This business is not dependent on TV advertising, or a huge advertising budget.

And you won’t have to build a huge network of buyers and sellers to make money.

I just wanted to show how some smart entrepreneurs are making money in this business.

Anyway, it’s fairly obvious cable and satellite TV advertising is down big time.

Therefore, cable and satellite TV channels are willing to make incredible deals on advertising.

For example, you can target more than 1 million late night viewers in New York City with a “spot ad” for under $2,500. This was unheard of five or six years ago.

You can check out National Cable Communications – they specialize in “spot” commercials.

You can even setup spot TV commercials with Google TV Ads.

And don’t worry….you don’t have to pay actors or film crews to get your commercial done. There are companies offering pre-made spot TV commercial packages, such as Spot Runner, Inc.

I've heard Spot Runner was having trouble financially, so proper due diligence is in order. But you’ll others in this space...just Google “cable TV spot ads”.

Anyway, Spot Runner offers TV advertising (and remnant packages) in hundreds of markets across the U.S. and Canada.

The benefit of pre-made commercials is cost savings. You can select from dozens of pre-made commercials and simply add your message, website, 800 number and bingo - instant exposure!

The most expensive part of any commercial is the production - that’s money you have to spend before you’ve made anything. SpotRunner enables you to eliminate a large portion of this expense.

But some marketers prefer making their own commercials.

It’s your choice.

The objective of any marketing is to attract qualified note buyers and sellers.

When you run TV spot ads commercials the objective is to attract note buyers, sellers or both.

You’ll need a list of qualified note sellers… and a list of qualified note buyers.

Then all you have to do is match them up!

Granted, there is some legwork involved in this business.

Plus, it’s not entirely free of red tape or paperwork….(which always makes me nervous).

But the business is fairly simple when you have qualified buyers and sellers.

Your compensation is based on the difference between the seller’s price and the buyer’s price.

If running commercials or larger direct marketing campaigns is too much for you at this point, you can start out small by running promotions in your local paper or on popular local websites too.

Most local newspapers and web portals are desperate for cash and advertising too.

Negotiation is king!

An acquaintance of mine generates $50,000 to $75,000 per year on real estate notes and pre-foreclosure deals by simply running cheap classified ads in small regional newspapers. Cheap meaning $20 to $50 per month!

Newspapers are great source of leads in this business.

And if you haven’t noticed, newspapers are dropping like flies!

Like I said, newspapers desperately need your business in order to survive… and most of them will offer huge discounts on pricing. But you have to negotiate with decision makers.

It’s also a good idea to have a simple website which attracts note buyers or sellers.

When you Google “cash flow notes” and you’ll see hundreds of examples of simple websites in this niche

You could one website designed to attract note buyers and one website to attract not sellers.

If you go with a strategy like this I recommend two separate websites (one for buyers and one for sellers).

Note buyers and sellers are two VERY DISTINCT markets and mindsets.

Here’s what I’m talking about….

Note sellers are usually in need of immediate cash.

Note buyers on other hand usually have a longer-term objective.

Granted, note buyers usually are looking to selling notes as quickly as possible.

But generally speaking note buyers are not in desperate need of immediate cash.

When you’re marketing to note sellers you’ll be addressing their fear, uncertainty, desperation, and other survival instincts.

But when you’re marketing to note buyers you’ll be addressing different emotions, such as an excitement for seizing an opportunity.

Whatever marketing approach you use, you’ll want to capture your prospect’s information, such as an e-mail, address and phone number.

There are tons of ways to market this business and capture qualified leads.

But the objective remains the same: Find viable, qualified sellers and match them with qualified buyers.

There are also websites which enable you to find qualified cash flow note buyers and sellers too.

Here are some nice cash flow note websites:

I’d like to recommend Tyler “Ty” Hicks International Wealth Success too.

Ty publishes an old world print newsletter called International Wealth Success.

Believe me, it may be a traditional print newsletter, but its cutting edge, especially when it comes to money sources, real estate notes and lending deals.

Tyler has written more than 30 books on real estate, business, funding ideas and more. I highly recommend his products.

Tyler Hicks understands the real estate note s better than most people.

A couple of other sources for locating cash flow note buyers and sellers is CraigList, The Note Network and Yahoo! Real Estate.

A New Cash Flow Niche: Making Good Money from BAD Paper

Don’t kid yourself… most real estate businesses require at least some money… or quick access to it.

If you can get your hands on some money or quick access to it, I found a “niche” business opportunity which might provide a nice side business for you.

A good friend exposed this business to me over coffee… and I was amazed what I heard.

Here’s the lowdown …

Have you heard the term “bad paper” before?

It’s simple.

Bad paper is a broken promise to pay by another party.

The agreement or “paper” is usually secured by real estate (or some other asset).

The payor is in default when they fail to pay in accordance with the agreement – and that’s why it’s “bad”.

It’s obvious there’s no shortage of “bad paper” or “toxic assets” in the market today!

There’s another term which you’re probably familiar - it’s called a “mechanic lien”
or “contractor’s lien”.

A lien is filed at the local recorder’s office, the courthouse (or at a town office) whenever a contractor does work on a home and doesn’t get paid.

A lien of $3,000 (this is the average lien amount) on a $200,000 or $300,000 property is very bad.

As real estate values continue dropping to new lows, there’s a boatload of BAD paper.

Here’s how my friend makes money from bad paper…..

1. Grab a list of mechanics’ liens the local recorder’s office. Don’t worry - its public information. Recorder’s offices often make this information available online so you might not have to get up from your chair!

2. Make a list of contractors who have liens on properties. Make another list of the homeowners’ or business owners’ addresses. Let’s say you find a roofing contractor who has lien on a homeowner’s property for $1,500 (because of a failure to pay the balance for work performed)…write his name and the homeowner’s name down.

3. Now send the contractor an unsigned check for HALF of the amount of the lien. My friend uses a window envelope. Using my example in #2 the check would be for $750. You could a note with the words “I’ll send you this check today” or something to that effect. My friend said 90% of the contractors accept the offer! After all, half of the money right now is better than none of it ever!

4. Now, contact the homeowner and inform them of the seriousness of the lien. You could mention you are entitled by law to all of the collection costs. In most states, you are entitled to include “collection costs” of up to $1,500 to satisfy a mechanic’s lien.

In this example, you could charge $750 for collection costs. So, in this example the total amount owed by the homeowner is $2,250 (the $1,500 lien plus a $750 collection fee).

5. Finally, you present an offer to the homeowner to settle the lien for HALF of the amount due.  In this example it would be $1,125. Your letter should be useful and accommodating – there’s no need to threaten a lawsuit.

My friend helps the homeowner or business owner understand a lawsuit will be filed if the lien is not satisfied. You can remind the homeowner or business owner most mechanics’ liens are satisfied in favor of the contractor or supplier.

In most cases, the homeowner will agree and write you a check for $1,125.

6. Lastly you write a check to the contractor for $750. You get to keep the difference of $375. ($1125 - $750) This is your profit.

Granted, this is a simplified example. Most contractors’ liens are considerably larger than $1,500.

Here’s How Bad Paper Works in the Real World

If a contractor has not been paid for services rendered he or she can file a lien against a homeowner or business.

When someone has a lien on their property they are unable to sell it or make changes to it. The lien can also show up in credit reports and other publicly accessible documents.

A contractor simply wants to get paid. A homeowner or business owner wants the lien and problem (contractor) removed.

An entrepreneur like you can “fix” the problem by offering the contractor half of the value of the existing lien, and the homeowner or business owner with a way out at a reduced cost (and avoiding court action).

When the contractor accepts your offer for half the amount (paid immediately), he or she willingly removes the lien from the homeowner and business owner’s property.

For an entrepreneur in this business, there are only two forms / sales letters which need to be mailed, and maybe a phone call or two.

What's more, in larger cities and towns hundreds of liens are filed each and every month - and this is where the opportunity exists.

Obviously, there’s room to work your deals up or down.

Making money on bad paper is a unique side business - especially if you’re already doing real estate deals.

The downside is if the homeowner or business owner has a problem with the work that was done - or with the supplies that were delivered. But you can determine this before risking any time on the deal.

It is fairly simple to determine if a homeowner has a valid “counter-claim”.

A homeowner or business owner will be required to provide viable “proof” of shoddy workmanship, or proof work was never rendered.

Granted, homeowners or business owners often have complaints against contractors. Unfortunately the law often sides with the contractor or provider of services.

In most cases, 90 percent+ according to my friend, liens are settled quickly and easily without going to court.

A Surprise Cash Flow Niche - Mobile Home Paper!

There’s a surprise niche in the cash flow business almost no one pursues.

It’s called mobile home paper.

I’m not kidding.

When you search this term on Google, you’ll find a ton of information on the topic.

Here’s “mobile home paper” in a nutshell…

Almost every real estate investor, speculator, and developer considers mobile homes the bottom of the barrel.

Whether this is true or not is irrelevant.

As an entrepreneur you can make money in this market.

What’s more, there’s more than enough “bad mobile home paper” to go around!

If someone is at risk of losing their mobile home to the bank because of a hardship or bankruptcy, you can offer to buy their note (at a discount of course).

Then you can rent the mobile home to the homeowner, refinance the deal, or do a combination of both.

One of the reasons I like this niche business is because mobile homes are relatively inexpensive.

In fact, I located more than a dozen mobile homes (in fairly good condition) in my neck of the woods for less than $50,000 each.

In some cases, the deals were contingent upon moving the mobile homes from a park or land. I think this is common problem in this market.

In reality mobile homes can be moved easily and set up in a park or on land for $3,000 or less (and everything is negotiable).

Anyway, mobile home paper is a great niche in the cash flow note market.

Have fun and play nice.

Marc Charles
“The King of Business Opportunities”

(Ed Note:  Marc Charles is referred to as "The King of Business Opportunities" ....and for good reason. He should be known as "The King of Legitimate Business Opportunities"...because he's launched, bought, sold reviewed and advised on hundreds of businesses and money making opportunities. He understands legitimate opportunities. Marc provides timely updates regarding legitimate business and money making opportunities on this blog)

*** Action Strategy ***
You’ve got what you need to make money with cash flow notes. Grab a good national newspaper and you’ll a ton of cash flow notes available. Use the resources in this issue to list or purchase a cash flow note.

In short order you’ll begin to see the magnitude of this market.

Check out “mobile home cash flow notes” in your area too!

****Valuable Resources****