How To Avoid Foreclosure Rescue Rip Offs

The thought of one losing a home is terrifying. The fact that there are con artists out there who take advantage of homeowners is more or less frightening. There are many companies and individuals who claim they can help you keep your home or buy a home. Some are even brave to offer money-back guarantees.

For those threatened by foreclosure, they are vulnerable to foreclosure assistance companies who claim they can help them save their homes. Fraudulent foreclosure ‘rescue’ professionals tell their clients half truths and blatant lies to sell services that supposedly bring relief, but fail to deliver. Their goal is to make quick profit from fees or mortgage payments they collect from homeowners which, they do not pass on to lenders. There are times they assume ownership of these homes by deceiving the homeowners. By the time the homeowner realizes what is going on, it will be too late to save the home. They take the property, and some other times clean out the equity. This leads to home loss despite one’s best efforts.

The Federal Trade Commission (FTC), which is the United States of America’s consumer protection agency, has pointed out ways to recognize scams. Even if a homeowner facing foreclosure has started working with someone or a company. Or even the homeowner who is threatened by other bodies that can foreclose on your home like the IRS, Homeowners’ Associations, to name a few. There are legal options for people in these situations to save their homes.

THE SCAMS

Mortgage companies use different tactics to find homeowners in distress. Some of them go through public notices in newspapers and on the Internet or public files at local government offices. They send out letters to the homeowners. Some others take a broader approach by placing ads online, television, newspaper, posters on telephone poles, median strips, bus stops, or flyers or business cards at the door.

These scan artists use very simple and straight forward messages like these:

“Stop foreclosure now!”
“We guarantee to stop your foreclosure.”
“Keep your home. We know your home is scheduled to be sold. No problem!”
“We can save your home. Guaranteed. Free consultation.”
“We stop foreclosures every day. Our team of professionals can stop yours this week!”

The moment the homeowner’s attention is gotten, various tactics are used to get their money. Here are some of the ways:

Phony Counseling or Phantom Help

These scam artists tell homeowners that they can negotiate deals with the lenders to save their homes if a fee is paid first. Some will tell their clients not to contact their lenders, lawyers, credit counselors. They ask them to let them, the scam artists handle everything. Once the fee is paid, the scammer takes off with the money.

Other times, the scammer convinces the homeowner to make all mortgage payments to them while they negotiate with the lenders. The scam artists will collect some months’ payments and disappear.

Bait and Switch

There are times when homeowners think they are signing documents for a new loan to keep the existing mortgage current, not knowing they are being tricked. What they do not know is that they have signed documents that surrender the title of the house to the scammers in exchange for a ‘rescue’ loan.

Rent-to-Buy Scheme

Homeowners are asked to surrender the title of their homes as part of a deal that allows them to stay in their homes as renters, and buy back in a few years. They may also be told that surrendering the title will let borrowers with better credit rating to receive new financing, which will prevent the loss of their homes. Usually, the terms of these deals are too much that buying back these homes are impossible. The home is lost, and the scammer walks off with all or most of the equity. The worst of all, when the new borrower fails on the loan, the actual homeowner is evicted.

In some other ways, the scammer raises the rent over time to a point that the original homeowner is unable to make payments. After many payments are missed, the renter, who is the former homeowner, is evicted, leaving the ‘rescuer’ free to sell the house.

In other equity-skimming situations, the scammer offers to find a buyer for the house, only if the homeowner signs over the deed and moves out. The scammer may also promise to pay the homeowner a portion of the profit when the home is sold. The moment the deed is transferred, the scammer rents out the house and keeps the proceeds while the lender continues with the foreclosure. Eventually, the home is lost, and the homeowner is still responsible for the unpaid mortgage. Transferring the deed does not transfer the mortgage obligation.

Bankruptcy Foreclosure

The scammer may promise to negotiate with a homeowner’s lender or get refinancing on their behalf if a fee is paid immediately. Instead of contacting the lender or refinancing the loan, the scammer keeps the fee and files for bankruptcy in the homeowner’s name. Sometimes, this is done without their knowledge.

Very often, bankruptcy stops a foreclosure, but only temporarily. The bankruptcy step is complicated, not to talk of expensive and unforgiving. If one fails to attend the first meeting with creditors, the bankruptcy judge will dismiss the case and the foreclosure proceedings will continue.

When this happens, the person could lose the money paid to the scammer as well as the house. Worse of all, a bankruptcy stays on the person’s credit report for 10 years and can make it hard to obtain credit, buy a home, get life insurance, sometimes get a job.

Where Help Can Be Found

If you are finding it difficult to make your mortgage payment or if you have received a foreclosure notice, contact your lender immediately. You may be able to negotiate a new repayment schedule. Bear in mind that lenders normally do not want to foreclose; it costs them lots of money.

There are other foreclosure options that include reinstatement and forbearance.
You can also contact a credit counselor through the Homeownership Preservation Foundation (HPF). It is a non-profit organization that operates the national 24/7 toll-free hotline (1-888-995-HOPE) with free, bilingual, personalized assistance to help at-risk homeowners avoid foreclosure.

Here Are Some RED FLAGS

If you are looking for home loss prevention help, avoid businesses or people that:

1. Guarantee to stop foreclosure process, no matter what the circumstances are
2. Instruct you not to contact your lender, lawyer, or credit counselor
3. Collect fees before providing you with services
4. Accept payment only by cashier’s check or wire transfer
5. Encourage you to lease your home so you can buy it back over time
6. Tell you to make your mortgage payments directly to them, instead of to your lender
7. Tell you to transfer your house deed or title to them
8. Offer to buy your house for cash at a fixed price that is not set by the housing market at the time of sale
9. Offer to fill out paperwork for you
10. Pressures you to sign paperwork you have not had a chance to read thoroughly or that you do not understand.

Where to REPORT FRAUD

If you have been a victim of foreclosure fraud, contact:

• Federal Trade Commission
  
• Your state Attorney General
  
• Your local Better Business Bureau

Viral Ebook Explosion - Article 3

And the Buzz Goes On – How to Use Viral Marketing

Before we get into the meat and potatoes of how you can use viral marketing to help get a buzz concerning your small business, let's start with a definition of exactly what "viral marketing" means.


According to the Wikipedia, "Viral marketing and viral advertising refer to marketing techniques that use pre-existing social networks to produce increases in brand awareness, through self-replicating viral processes, analogous to the spread of pathological and computer viruses. It can be word-of-mouth delivered or enhanced by the network effects of the Internet. Viral marketing is a marketing phenomenon that facilitates and encourages people to pass along a marketing message voluntarily. Viral promotions may take the form of video clips, interactive Flash games, advergames, images, or even text messages."


If you have a hotmail, yahoo or G-mail account, you participate in a viral marketing campaign every time you send an email to someone. The company you have account with inserts a small (and usually discreet advertisement) at the bottom of all of your outgoing emails – inviting the people you communicate with to receive their own free email account.


So how can you put a viral marketing campaign together for your own business. More importantly, do you even want to?


Let me answer that second question first, okay? YES! You definitely want to take the time to brainstorm your own viral marketing campaign – even if you don't want to be as big as hotmail, yahoo or Gmail.


Why? Because, according to a recent survey done by Forrester Research, people are almost 65% more likely to trust a review posted by a peer – or even a complete stranger – than they are to trust the marketing or sales information put out by the company.


Don't believe me? Check out Amazon.com and I-tunes. Why is this the case? Because as consumers we tend to think that the average "Joe Blow" has less of a personal agenda when posting his review about the latest "Dixie Chicks" album and so we give it more weight.


And, by the way, this is a normal reaction – it's one that's kind of hard-wired into all of us. People have always shared the things they like – or hate – with their friends and family members. Back in the 50's and 60's, our grandparents used to talk to their neighbors over the "back fence," call each other on the phone or tell their friends during lunch. The difference is, these days we use the Internet and cell phones.


What's interesting though, is that, with the popularity of the Internet, our trust - and belief in "social proof" – has become even stronger.


By creating your own viral marketing campaign, you'll be doing more than getting the word out about your new affiliate product. You'll be gathering social proof – and that will help your sales go through the roof.

So how do you set up your own viral marketing campaign? The first thing to do is to get back to the basics.


Here's the real "secret" to making a lot of money with affiliate products. Have the right product, with the right message to the right people at the right time.

So start with your affiliate product. Make sure there's a hungry audience for whatever you're selling.

Then make sure you're sending out the right message – and in the right way. If you're marketing a product to teens, you'll want to make sure that it's something they want – and you'll have to reach them where they hang out. That might be on MySpace, Facebook, twitter or even Friendster.

What's the right message? Maybe it's a special report. But it could just as easily be a video. Or an audio mp3 file. Match your message to your audience. And finally, make sure that you're getting your message out at the right time – when your audience is ready to buy it.

Make your viral marketing campaign stand out from the crowd – because that's how it's going to get passed around and become viral. By understanding the basics – who your audience is, what they want, how they want to get it and when they want it – all you have to do next is to create something that your audience loves – or hates – or finds interesting enough – to pass around to their friends. And because your product comes with an implied endorsement – social proof – those people will pass it around to other people – and the buzz goes on…and on…and on…and you'll start hearing the "ka-ching!" of your cash register going off a lot more often.

Want To Make Passive Income While You Sleep?


Discover How You Can Now Quickly Create Your Own

Branded Cash Producing Viral Ebooks With Just A Few

Clicks That Spread All Over The Web

http://www.viralebookexplosion.com/?id=28125

Profiting with Private Label Rights

Private Label Rights (PLR) are used by some of the top internet entrepreneurs to quickly create products with very little investment of time or capital. Unfortunately, most internet entrepreneurs who have heard about PLR, make very little money with it. Instead of following a profitable plan, they run around in circles like a dog chasing its tail. Here’s why.

PLR products are completely customizable. Whether it’s an ebook, a piece of software, or a graphics package, you have complete control over the content. It’s the same as if I write an ebook for you and then give it to you and let you put your name on it and take all the credit for the content as if it’s yours. It’s fast, it’s simple and it’s completely legal.

So why doesn’t everyone do it? Because it takes some work, it’s a very minimal amount of work, but it is work. Most people are chasing get rich quick schemes so their impression of a successful PLR business is to buy lots of PLR products, stick them on a website and sell them to other people who do the same.

It doesn’t take very long until the market is saturated with the same PLR products on all the PLR websites. And then the average entrepreneur says, “PLR products don’t work.”

Meanwhile, the entrepreneurs who have actually opened the zip file that the PLR product came in are making money hand over fist, because they took the time to customize the product and introduce it to the market as their own.

Here are some simple ideas:

1. Edit the ebook and add some of your own content. Add your own personal style and charm to the product. Then add your name as the author or publisher
2. Personalize the graphics or have a graphic designer do it for you
3. Edit the sales letter and again add your own style and character to it

When you’ve got the product complete, you could

1. Publish it at your website and send traffic to it. So you could sell it as a stand alone product
2. If you embed affiliate links into it, you could give it away as a freebie. When your reader’s click on your affiliate links, you get paid
3. You could use them as a tool for your affiliates and allow them to re-brand the product with their affiliate links to your products
4. You could turn the written ebook into an audio and sell it as an audio ebook which adds value to the package
5. You could strip the content down and turn it into articles
6. You could add some workbooks to it and market it as a course

Now just for comparison, let’s look at what it would cost to have your own ebook
written.

Costs $400 - $800 for a good 50 page ebook
Graphics for a website including affiliate marketing banners and images $200 - $500
Sales letter copy - $500 - $2,000+

In real costs, you’re looking at $1,100 - $3,300. That’s still good because you save a huge amount of time and all the heavy lifting is done for you. You don’t have to take care of all the intricate details of writing and designing. And that is just for a 50 page ebook. If you want a 100 page or even a 200 pager then just double or triple the writing costs. Or spend the next 3 - 6 months writing it yourself. But what if you could get PLR products all done and ready for you at a fraction of the several thousand dollars or hundreds of hours it would cost you to make yourself?

And coming from someone who’s been on both sides of the table, I’d much rather pay someone to take my ideas and topics and do most of the writing and editing so I can focus on the marketing and sales side.

So…if you want more, please visit SureFireWealth

New SpringWidget

Get this widget!

Viral Ebook Explosion - Article 2

Affiliate Marketing Basics: Let’s Talk About Traffic


When you’re just getting started in Affiliate Marketing, one of the most important things you need to learn about is traffic – specifically what it is and how to get it.

Why?

Because even though it has become somewhat of a cliche these days, the truth is, “the money is in the list” – but that means YOUR list, not the list of the people whose products you’re selling – at least not if you want to be successful.

Here’s why. As an affiliate, your job is to find people who want to buy the products you’re promoting, right? So to do that, you need to write an ad (or hire a copywriter to write it for you), and send people to a Website where they can buy the product.

BUT – there’s a serious problem with using this method. Do you see what it is?

Anywhere from 60 to 95% of the people you send to the sales page probably are not going to buy the first time.

1. Most people want to be certain that they’re making the right decision, so they usually need to see or hear from you between 5 to 12 times before making a buying decision.

2. If you’re paying for the ad and sending people to the seller’s Website, the ones who don’t buy disappear forever. (And neither you nor the seller will benefit.)

3. Of those who do buy, if you’re only sending them to the sales page, YOU still lose them forever because you have no way of knowing who they are.

Here’s the solution:

1. Write your ad and send prospects to a well-written squeeze page – YOUR squeeze page. (A squeeze page is a single page Website that has one purpose – to convince prospects to give you their contact information. Squeeze pages should be simple – no flash, no links, and if you use a graphic or photo, keep it simple and make sure it relates to the purpose of the page. How do you convince prospects to give you their contact information? By giving them information that is what they’re expecting to find and that’s useful to them.)

2. Offer them an incentive to give you their contact information. (This could be a free report, a free newsletter, an audio or video product – just make sure it’s related to the niche or affiliate product.)

3. After they’ve opted in to your autoresponder, send them to your affiliate sales page.

4. Follow up with them on a regular basis – mixing good information, free bonuses from time to time and additional affiliate products.

Lather, rinse, repeat. (Once you’re making money from your first affiliate product, move on to the next and then the next and the next.)

The best thing about this is that you can set most of it up on your autoresponder, so you turn it into a “system” and it runs “almost” on autopilot. (There is NO SUCH THING as a business that runs 100% on autopilot – and don’t believe anyone who tells you differently.) Any business – real business – takes work and effort. But by setting this system up this way, your autoresponder does the majority of the work, and you will only need to do simple updates and make sure you keep fresh information flowing.


Want To Make Passive Income While You Sleep?

Discover How You Can Now Quickly Create Your Own
Branded Cash Producing Viral Ebooks With Just A Few
Clicks That Spread All Over The Web
http://www.viralebookexplosion.com/?id=28125

Why Keywords In Page Titles Are Important

It is highly recommended to use keywords in page titles themselves. This title tag is different from a Meta tag, but it's worth considering it in relation to them. Whatever text one places in the title tag (between the < title > and < / title > portions), it will appear in the title bar of browsers when online users view the web page.

Some browsers also add their own information to whatever you put in the title tag by adding their own name, as for example Microsoft's Internet Explorer or OPERA.
The actual text you use in the title tag is one of the most important factors in how a search engine may decide to rank your web page. In addition, all major search engine robot website crawlers will use the text of your title tag as the text they use for the title of your page in your listings.


This is one of the very first key elements you need to consider and think about and research when you decide that you want to rank for a specific keyword or keyword phrases.

If you have designed your website as a series of websites or linked pages and not just a single Home Page, you must bear in mind that each page of your website must be search engine optimized. The title of each page i.e. the keywords you use on that page and the phrases you use in the content will draw traffic to your site.

The traffic you want to draw to your website has got to be researched by you or if your not sure how to do that, the best thing for you to do is to go to a very highly dependable, friendly SEO supported website to find out the information that it is you need I order to pick the best keywords for you niche in your market.

This all takes quite a bit of time and effort on the part of a great SEO website. They can research a whole lot more than what you could find because they have been in the game a whole lot longer than you. Over time you may or may not find out how to research for yourself, but in the meantime, you are going to waste less time by having a dependable worthy source look on your behalf.

I would recommend internetsubmitter dot com for anyone that is looking to get a jumpstart on pushing and pulling their website to the top of a major search engine.

The unique combination of these words and phrases and content will draw customers using different search engine terms and techniques, so be sure you capture all the keywords and phrases you need for each product, service or information page. Your product and or service will in large determine what title tag you should put in your website.


Some of these marketplaces are very, very competitive and unless you are willing to throw a lot of money at marketing, research and advertising, it may or may not be the best route for you to choose at this very moment.

The most common mistake made by small business owners when they first design their website is to place their business name or firm name in every title of every page. Actually most of your prospective customers do not bother to know the name of your firm until after they have looked at your site and decided it is worth book marking.

This is a very common error made by whoever creates the page. But if you think about it, your website designer or creator is not an SEO guru. So, it’s not a huge deal that this would be something very commonplace on many, many websites.

So, while you want your business name in the title of the home page, it is probably a waste of valuable keywords and space to put it in the title line of every page on your site. Why not consider putting keywords in the title so that your page will display closer to the top of the search engine listing. You can always put your business name somewhere in the original content on your website pages.

It all comes down to what your goal is with your website. Is your goal to increase your rankings in all of the major search engines? I find it hard to believe that most website owners would rather pick a name they want over something that is going to springboard you to the top of the search engine results.

Dedicating first three positions for keywords in the title avoiding the stop words like ‘and’, ‘at’ and the like is crucial in search engine optimization. There are so many very small bits and pieces to this SEO game that most people may think they know, but they have no idea. Its one thing to guess about how you think you should arrange all the content on the website and on your source page that the robots crawl all the time.

If you want to fill your brain, little by little while receiving some of the best care and answers to your questions, I would recommend that you go to InternetSubmitter dot com and check everything out for yourself. There should be some great links below that you can click on. Thanks for reading!


Terry Detty

Viral Ebook Explosion - Article 1

5 Easy Ways to Ramp Up Your E-Book Sales


Once you've written your E-Book, got your Website up and integrated your shopping cart, you can sit back and start waiting for the money to come rolling in, right?

WRONG!

These days it's getting harder than ever before to be able to get people to notice you – and just because "you build it" doesn't mean they're going to come.

So what's an author to do?

Actually, thanks to all the tools that are available to you – including Web 2.0 – marketing your book – and ramping up your sales – is not as hard as you might think.

In fact, here are a few ideas to get your juices flowing. Add them to your sales plan, and use them as a jumping off place to help you make even more sales.

Create a long-term plan before you write even one word of your first book. The truth of the matter is that you're probably never going to get rich from writing one E-book. So before you start writing your first book, start thinking about your second book. And the first product that will tie into your first book. And the second. And then the third.

Don't put all your eggs in one basket. Come up with as many different income streams as you can and plan to build them into your plan. For example, can you create a workbook from your E-book? What about recording some audio files that go into further details or give more information. What about doing a joint venture with other experts in your industry?

Sell more books at one time. If your book covers any one of a number of popular subjects – self-help or development, home improvement, business, religion – there are probably corporations, organizations or niche markets that are always on the look-out for inexpensive gifts or bonuses for their employees, clients or associates. Your book could be just the ticket. Although you might have to go down in price – what do you think sounds better? Selling one or two books at a time or selling box loads of them?

Once you've built up your credibility as a published author, it's time to take things to the next level. Have you ever dreamed of attending seminars or workshops as a presenter? What about having a speaking career and being flown all over the world speaking to people in your niche market? If you don't like traveling or crowds, consider putting together teleseminars or holding intimate bootcamps.

Create joint ventures. This is the fastest and easiest way to leverage your expertise and start raking in the cash. Find people who are in similar – but not competing industries as yours. Explore ways for you to provide value to both of your customers while you're cross-selling or upselling. For example, if you own a restaurant, what about creating a special Valentine's Day promotion with the local florist. Offer free drinks or desserts to any of the florist's customers who bring in a special card (that you've provided to them) when they come to your restaurant. And your joint venture partner (the florist) gives you roses or carnations that can be given out to any women when their companion gives you the special dessert card. See how simple that is? Real value that makes your customers happy, and builds loyalty and trust – and positions both of you as the first people your customers think of when they need flowers or want a romantic restaurant or a place to eat during a special occasion

 
Want To Make Passive Income While You Sleep?

Discover How You Can Now Quickly Create Your Own
Branded Cash Producing Viral Ebooks With Just A Few
Clicks That Spread All Over The Web
http://www.viralebookexplosion.com/?id=28125