Click Partners

An ideal way to both earn money and feel as if you are of service to God is by starting a Christian home based business. Although there are a variety of Christian business to choose from many of them will be very similar to the contemporary home based business; on-line home based businesses are among these.

Having a Christian home based business can be very rewarding with many advantages. Working from the comfort of you own home at your own pace and schedule is often a draw. Being able to focus your energy and time into making an honest living, while still serving the Lord is available to few in the workplace. However, a Christian home based business can give you just that.

If it is your desire to serve the Lord while making your living the Christian home based business may be right for you. Looking for service providers and opportunities on line is a lucrative way of creating a home business. With the proper information you can get the start you need to have a successful Christian home business. Many outlets involve selling Christian arts and crafts as well as Christian books.

When you decide to do Christian home based business, you have to think about your own unique skills and knowledge. For example, if you have passionate about childcare and love kids, you may consider Christian child daycare centre at your home.

Proficiency with computers and a flare for style may lead you to consider a business in desktop publishing. A Christian business at home in desk top publishing can be successful in creating tracts, programs, bulletins and other church related articles. Writing inspirational texts and e-books as well as Christian magazine articles are all possibilities for the Christian home based business.

If you are more interested in something like Multi Level Marketing, or MLM businesses; this too can be found in the Christian home business arena. Selling products in the market of home and health are popular choices for MLM Christian businesses; cleaners, vitamins and family oriented books and games can be found in the Christian MLM business. Lucrative earnings are to be had in this type of Christian business at home.

Things to consider:

Looking at the different business plans may seem a bit daunting at first. Caution must be made when looking at the business plans available on-line. Some may misrepresent themselves to appear as a Christian home based business when they are not. There are those who serve to mislead and conduct fraudulent businesses looking for the trusting person. Be careful.

Conduct your own research before you begin any online home business but particularly a Christian home based business. Sadly many people prey on the trusting and good nature of the Christian seeking a home based business. With proper discernment and prayer you will find the right Christian business at home that pleases you and the Lord.

We’ve all had friends in our circle who were known as “Mary & John”, and when “John” split “Mary” was alone. Mary was the “odd” number at the dinner party and we were all concerned about her. Well, today it seems that the union of Customer & Service have had a breakup. Service has split and Customer is on his/her own.

Today, let me tell you a story that many of you will find humorous but is all too common. I can tell you this without fear of our local editor getting sued because it’s about me, but business owners take note that you don’t fit the profile of company “X”.

Four weeks ago I decided that I needed another green recycling can from my trash pickup company. We’ll call them Brown Keg Trash Pickup, an anonymous company in the interest of avoiding litigation. I called their Customer Service number, and as an environmentally conscious citizen requested my extra recycle can. The cheerful voice on the other end of the line chirped, “Of course, we’ll have one delivered in 48 hours.” After giving her all the pertinent location information, I hung up the phone with the satisfied feeling of a good citizen.

I arrived home about 5 p.m. the next day and I was happy to see another green can at the mouth of my driveway. When I looked again, I noticed that I had another green can - but it was without a lid. I quickly dialed my cheerful telephone voice at Brown Keg Company thanking her graciously for the rapid service and then told her about the missing lid. Just as cheerfully as the first time, she told me to leave it at the end of my driveway after my usual trash pickup and they would replace the entire unit since they didn’t have extra lids. I agreed, and after hanging up the phone I pondered their plight of having lidless cans but no extra lids. I conjured up all sorts of scenarios that explained where all the lids to the lidless cans went, and sympathized with their predicament.

Well, 3 days went by and there sat my poor, green, lidless can at my driveway’s mouth and a replacement never arrived. Feeling empathy for this green plastic waif, I returned it to the side of it’s brother that had a lid. I called my cheerful Customer Service voice again, and reiterated the plight of my poor lidless can and after a chuckle she assured me a complete unit would be forthcoming. I found it necessary to make use of my lidless friend, and put it out the next pickup day filled to the brim. Fortunately, it wasn’t windy and all the contents remained inside it. That was 2 weeks ago, and life being what it is other more important tasks have occupied me until this morning when facing another pickup day I thought of my lidless friend.

Once more I picked up the phone and called my trash pickup company, and this time I listened to a litany of choices of buttons I could punch and chose my cheerful Customer Service button again. I was transferred, listened to a brief melody when there was a “click” and I expected my cheerful voice to chirp “hello”. The next thing I heard was another click, silence, and then the dreaded dial tone that means you’ve been disconnected. Not being one of the “fainthearted”, I simply redialed my number. Again there was the litany of button choices, my choice and the music, and just when I began to feel that all was right with the world I heard - “click”, “dial tone” and nothing.

This was not the morning for the phone to be playing games with me, so I made one more determined effort and REDIALED! “NASA, we have lift-off !” I once more heard the litany of button choices, but this time I outfoxed that monotonous voice and punched “0″. I asked for the Manager of Customer Service, I was given her name and was transferred. What greeted my eager ear was, “You’ve reached the voicemail of ……., please leave your name and number and she’ll return your call.”

So here we sit - my lidless, green can and I facing another pick-up day. This eager-to-serve plastic green waif must bravely face another dutiful day half-clothed.

You must admit that is an amusing story, and one that far too many of us have lived through, but what a sad commentary it is about our business community. Doesn’t it make you wonder if our language has changed so drastically that what we interpret “Customer Service” to mean - is not what today’s business owners mean. It makes me wonder when the marriage of Customer and Service broke-up, leaving us all the lonely ones.

Entrepreneurs and business owners take note! If you’re going to have a number for your customers to access your Customer Service, please follow these rules.

* Have the phone manned by an employee that can hear thunder and see lightening. * Give that employee training in helping the caller and not shuffling the problem to another desk. * Have an overseer, who can also hear thunder and see lightening, check that all incoming complaints were handled appropriately.

After learning how to find your customers and what they want; after getting them committed to doing business with YOU; and after wooing them to keep them as your customers - WHY WOULD YOU LET “SERVICE” DIVORCE “CUSTOMER?”

If your customers aren’t getting the service they require from you - your competitor will be only too happy to help them!

Loans, business, credit, and finance drive the world as we know it today. But when things go awry in the formula, topics such as foreclosing a house come to light. Consumers have both much to lose and gain from the prospect of a foreclosure, depending on the perspective of the situation. But this legal procedure can be far from easy to understand, as consumers well know.

When a borrower can’t find a way to make a payment of a loan on time, the lender may request payment at a later date so as to be lenient, or they can opt for the foreclosure option. In the legal process of a foreclosure, the lender attempts to repossess the house that was held as collateral and tries to sell or auction the property to recover any assets they might have lost in the failed loan situation.

If a borrower does indeed default on a loan, which is to say they don’t pay it on time, they will likely have to go through the act of foreclosing their house. But in a court of law, the act can be reversed if the borrower can make up the debt on a prompt time and place. This will of course require a financial lawyer in order to proceed with the case. A lawyer can help with all the legal terms and laws that the normal consumer will know nothing about, and thus, one should not avoid obtaining a lawyer in such a process.

The most important part of obtaining a loan is reading the fine lines- as this can prove to save a consumer should they default on the said loan. Although there might not be much to save the consumer at this point, there are often special clauses or terms of agreement that can help aid the consumer in once again obtaining their property, as well as coming to a firm agreement with the lender in regards to the defaulted loan.

For the borrower, the auctioning of the house can be a very sad ordeal. But for those who are looking for a home or a good investment property, it is common for foreclosed houses to sell below market value if the loan difference is made up. Otherwise, lenders will commonly declare the auction a loss and try to sell the property via other means. Nevertheless, foreclosed homes are always worth investigating should one be present.

In Conclusion

Going through a foreclosure can be quite depressing, but often times there are loopholes and ways to better the situation should consumers wish it. Others who may be interesting in investing in a real estate property or looking to obtain a home for below market value should investigate public foreclosure auctions where necessary. While the lender may officially decree that the minimum has not been set, often times lenders will take low bids regardless so as to “wash their hands clean” of the matter and get back to everyday business.

In the end, this should be a life lesson for those who go through the foreclosure process- never sign something that one can’t commit to, and always have a backup option just in case.

A world famous Doctor has just revealed an amazing discovery…

How you can buy exotic cars from as low as $299 per month!

Dr Suzanne is very well known as an author and a TV and Internet personality, but most people don’t know that she regularly buys expensive cars for only a fraction of the asking price.

No car salesperson would ever want you to discover the secret that allows you to do this with every car purchase.

Whilst this secret is very powerful, it usually only involves you doing 1-3 things to secure ANY CAR that you want - from the most exotic to the every-day family car.

This secret has recently been used by Dr Suzanne to purchase 6 expensive cars (worth over $1,000,000) for only $300,000. That’s a 70% saving on brand new 2008 model cars.

The great news for most is that the secret is not just reserved for the most expensive and exotic cars. It can also be used on “normal” every-day type cars.

So, at this point it’s only fair to ask “How did Dr Suzanne discover this?”

Simple really …

Whilst Dr Suzanne makes over $45,000 each and every day on the internet (yes, she is very wealthy!), she does not believe in paying $1 more than you need to.

One day while shopping around for her first Bentley Rolls-Royce, she got “mixed feelings” from the car salesman trying to sell her the car. She felt that he wasn’t telling her the truth (a kind of “sixth-sense” sort of thing).

So she began researching all of the deals that she could find (both online and from physical dealerships) and noticed a clear pattern emerging:

–> People are being lied to and cheated out of $10,000’s each and every time they buy even a single car!

Dr Suzanne then got really “ticked off” and this drove her to an even DEEPER investigation, far, far further until she had a stack of facts, figures and even methods that allowed her to get one over on the car dealerships (for a well-deserved change!)

Of course with her being a scientist and a doctor, she had to now test her new-found method in the “real world”.

And the results? She discovered that by using the “Secret” she could get a Lamborghini for only $1,160 per month, and a Rolls-Royce for a measly $600 a month! The prices on these new cars could also be reduced by anywhere from 30% all the way up to 90%!

She then decided it was time to test her “Secret Method” on your “average” family car.

And you guessed it…she achieved exactly the same results!

Dr Suzanne now had, according to experts at buying cars below wholesale prices, possibly the greatest car buying secret that has ever been discovered.

Having achieved such outstanding results personally, Dr Suzanne decided to share her secret with some close friends to see if they could replicate the success.

And guess what…it worked just at it had done on luxury cars!

A very good friend of Dr Suzanne’s (who is also an online marketing multi-millionaire) wanted to buy this year’s Lamborghini Murcielago - a car worth $412,700.

After applying Dr Suzanne’s secret he was able to get it for NO Money down and just $1,300 a month! The fact is: Regardless of how much you make (or like most of us, how little!) it doesn’t matter.

I’m sure you’ve heard the saying “a penny saved is a penny earned,” so saving $250,000 on a luxury car is like earning an extra $250,000.

For the average household, imagine saving $15,000 the next time you buy a car, or saving $400 per month on your repayments.

If you were already comfortable with the expected higher price and repayments, you may choose to use the savings to upgrade your car purchase to a more luxurious one.

Whatever you decide, rest assured that with a little effort on your part you will never have to pay the retail price of a car again.

REO is short for “Real Estate Owned.” These are properties that have been foreclosed upon by a bank or other lender.

The REO department is staffed by “asset managers.” Their job is to inspect the properties, make the necessary repairs and operate them until they’re sold.

As an independent investor, you can find great opportunities in this area. However, you have to be willing to learn the written and unwritten rules and be prepared to deal with tough-minded REO departments. This article provides you the guidelines for doing just that.

Guideline 1: Understand the Lenders’ Attitudes Toward REO Properties Banks and lenders detest having REO properties on their books. Instead of assets, they have liabilities. Obviously, they want to get rid of these properties; however, they’re not willing to do it at a loss if they can possible prevent that from happening.

Not only do you, as an investor, have to deal with this attitude, but you also have to deal with the fact that banks often don’t like to publicize the fact that they have REOs on their books. They have three reasons for this.

The first reason is that they don’t want federal regulators breathing over their shoulders, questioning their business practices or solvency.

Second, they don’t want their depositors knowing about REOs. Depositors want security above all and if-rightly or wrongly-they see REOs as evidence of questionable practices, they may pull their money out. Banks want to protect their image.

Third, if lenders have a large inventory of REOs, they don’t want the market at large to know about it. If the information leaks out, prices could drop dramatically.

So, how do you find out about REOs? That’s our next topic.

Guideline 2: Present a Professional Image to the REO Department REO asset managers don’t want to deal with amateur investors, so you need to approach them as a knowledgeable professional.

First, call the lender and ask for the REO department. Once in contact, explain that you’re an independent, professional investor and are interested in buying REO properties and would like an appointment with a decision-maker.

Then, use that appointment to present your case and convince the decision-maker that you have the assets and experience of a committed professional. If you do your sales job right, then you can ask for a list of REO properties.

Note: Sometimes, REO departments handle the properties themselves; sometimes, they use a broker. So, you should be prepared to deal with both.

Inspecting REO Properties As you might expect, many of these foreclosed properties aren’t in great condition. The former owners aren’t happy campers so they may not take care of the property or even damage it to vent their anger. So, you’ll definitely need to do due diligence and inspect any properties that you’re considering.

In some cases, lenders will do cosmetic repairs to a property since they know a more attractive home will bring a higher price. To counter this possibility, I recommend that you try to show up as soon as the property is acquired and offer to take it “as-is” to get a lower price.

Buying REO Properties-the Mechanics There’s no great secret to buying these properties. You buy them just as you would any property. First, you make an offer. Then, the lender either accepts it, rejects it, or makes a counter-offer. In the case of a counter-offer, you negotiate.

In terms of payment, most lenders prefer cash because they want to be rid of these properties cleanly and quickly. If this is the case, you’ll need to go to a different lender to get your financing. Just don’t expect a great deal; that lender may want 10% or more down plus closing costs. However, some REO departments realize that they’ll get less from a cash offer so they may offer you financing. The advantage of this is that you may be able to pay a lower down payment, get easier terms, and also obtain some money for improvements. The disadvantage is that you’ll pay more in interest and fees than you would on a strictly-cash basis.

Typical Problems to Expect As I said earlier, many of these properties are in bad condition and may not be worth the money, so inspect them carefully before you commit to a purchase.

Also, as I said earlier, REO properties are sold “as-is.” This means there is no warranty of any kind. Therefore, if you buy a property that later requires very expensive repairs, you’re stuck with that expense. The lesson-perform due diligence!

In the case of federally-chartered lenders, you may not get a disclosure statement (most states require these now). That means there’s the possibility you could get stuck with a property that has severe and expensive problems (e.g., lead paint, etc.).

Finally, if after a home inspection, you find repairs that need to be done, don’t expect the lender to pay for them. Their attitude is, “It’s your problem to solve.”

Key Concept: When approaching an REO department, be a fully-prepared professional.