Sunday, 15 March 2009

• The Internet and Time

  (My Original Blog Post: http://ping.fm/8XC4b)

  The Internet

  
  

  If you were to do a search today on Alexa of the top 100 websites in the U.S.A. ranked by traffic you would find that the following categories summarize what is most popular by online surfers. On the Ron Orr Blog, each of these categories will get their very own blog entry. We will take each concept, and tell you how to maximize each with Time Savings, Time Leverage, and how to avoid common Time Traps.

  
  

  With e-mail we’ll go over web-based email, pop3, video e-mail, SPAM, and other email subcategories. With the concept of E-fax we will cover the companies E-fax, and Maxemail, and how they can save you a lot of time and money with instant results. Instant message, we will cover the messengers from MSN, AIM, Yahoo, ICQ, and other messenger services and why these services can save you a lot of time, and help make communication easier and more efficient. Online auctions, such as Ebay have remained popular over the years, and we’ll go over how you can save a lot of money as well as make money with this knowledge. Bookmarks, from personal bookmarks and favorites on your own computer’s browser, to popular social bookmark sites, we’ll tell you how these can be Time Savings Short Cuts, or they can help you gain more Marketing for your business by maximizing your Time Leverage.

  
  

  Web 2.0 is probably the most explosive trend on the web today. It covers many topics from social networks, to social communicating. Blogs, with likely over 100 million different blogs already by the year 2008, it will be important to learn how to find the best, track the best, and to create your own blog, as well as adding plugins to improve your blog. E-books are a very popular format and platform to share writing; we’ll cover where to buy them. Search engines have been around since the beginning of the internet, but Google has really changed how often we use them, and how accurate it has become, we will do a post on Google and how to make money and save time all from this one search engine. Wiki’s, such as Wikipedia offer an online encyclopedia to research almost anything, and it offers contributions from the rest of the world, which helps it to exponentially grow. We’ll cover how to save time on this site and get your site noticed.

  
  

  Mp3’s are quickly becoming the most popular format to listen to audio. I’ll get into how to use this with an Ipod to use Time Paralleling to your advantage. Social networks are part of the Web 2.0 revolution, with popular sites like Myspace, Facebook, and Orkut, it’s important to understand how to use these communities to your networking advantage. Photo sharing sites like flikr and tagged, are becoming very popular for all friends and associates to view and share photos online. I’ll go over how to use this concept to your advantage when applying your time. Online video sites like YouTube and MetaCafe can be used to market your services online. Movie info from actors, to movie times are very popular online, Let me show you how to save time with this concept. With Online shopping I can tell you which sites are best to help you with your time when you find yourself shopping online. Personal websites, we’ll tell you how to get your own website up, so that you can spend your time Marketing your own website and brand, a great use of Time Leverage. Voip, there are now better ways to make phone calls, cheaper, more flexible, and open to communication around the world.

  
  

  Webinars are a great way to get exposure for a business concept and a great use of Time Leverage. Domain names are needed to get your business online. There are ways to buy these domains cheap, ways to brand them, deciding which to choose, and how to make the most efficient use of your time in the process. Web hosting is important to understand when working your online business and your domain name, let me show you how to get this set up and where to go. Classified sites offer a great way to get your Marketing message out to the consumers and the online classified sites I use are free. Online news sites can help you to know what to invest your time in; I’ll show you how. Online games, generally games are just for leisure time, but I will try to explain how to work these online games to your advantage. Maps, I will tell you a few websites that have online mapping, and how to maximize the time savings with these.

  
  

  Investment info, it’s always a great use of time to do your investment homework before investing, we’ll tell you where to look. Home info, I will tell you what you should look for when searching for a home to get a good price, by knowing what to look for, you’ll save a lot of time when looking at homes. Sports stats, along with online games, can be a leisure activity, I’ll show you how to make the most out of your time with this leisure activity. Message boards, if used correctly can teach you a lot about your desired subject, while saving you a lot of your time. Internet providers, which provider should you choose, dial-up, DSL, cable, etc. File sharing, with multi-media usage increasing every year, and email limiting the size of attachments, this is beginning to be more popular; I’ll show you how to use it to your advantage.

  
  

  Articles, learn how to find the right articles written by experts to save you a lot of time, and answer your questions. Reviews, you determine which products are worth buying, which movies are worth seeing, where to spend your money and time. Online marketing, there is so much potential on the web these days with Classified sites and Web 2.0 to market your own business to gain exposure for it as well as make money with it, best of all, it’s a great use of Time Leverage. Affiliate programs are a great way to earn additional money online, I have joined nearly a thousand over just a few years, and I can tell you which to join, how to maximize profits, and efficiently use your time with the programs. Online payment processing, I’ll teach you how to pick a payment processor, that will save you money, time, and be automated with the use of direct deposit. Bookmark this page, as we will be adding other additional popular topics found on the internet to this page. Each post will not only teach you how each concept can work to your advantage, or how each can work against you; we will break it down in a time analogy language that can easily be understood.

  
  

  
  
  

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• Why Cooking Vegetables is Bad

  (My Original Blog Post: http://timemyself.com/time/health/nutrition/negative/cooking/cooking-vegetables-bad/)

  As you read my sections on Nutrition and the best Fruits and Vegetables to eat, you’ll find a very large list of them and what makes them good for you, what nutrients they provide, and how best to prepare or eat them. Many great ideas are going to come from my readings on Nutrition and Health. Many people finally get to the stage where they have made a major impact in their lives to save time by eating the right way. They choose to eat Fruits and Vegetables at Breakfast Time, Lunch Time, and Dinner Time instead of Fast Food, or other sweets and Junk Foods that are very bad for them. After all of the work of finally narrowing down your selection by eating what’s right, you do what most people do and heat up or Cook Your Vegetables. You’ll continue these Bad Habits, not knowing what it means to you. Cooking your vegetables for too long can actually be a Time Wasting activity, so why continue to do it. The whole point of making Time Decisions is to make the correct ones so it’s beneficial to yourself and your Health.

  
  

  
  

  According to the book You Are What You Eat by Dr. Gillian McKeith, research has showed that when food is cooked, the enzymes are destroyed in full. Research has shown when food is heated above 118 degrees Fahrenheit for approximately 20 minutes; there is a complete loss of all enzymes within that specific food. In addition to this, cooking also destroys proteins. According to the book, studies sponsored by the United States Department of Agriculture concluded that “cooking at 400 degrees Fahrenheit” caused a 4 to 30-fold decrease in soluble protein in steaks tested under the analysis. In addition while cooking foods, we lose essential vitamins. Studies have shown that it’s estimated that 50% or more of B vitamins are lost through cooking. B1 can be lost at as high as 96%. Up to 72% of biotin can be lost. Up to 97% of folic acid lost and up to 80% of vitamin C lost. Top researchers have concluded up to 85% of all nutrients can be lost from cooking foods including Vegetables.

  
  

  
  

  This is why you should eat Vegetables raw whenever possible, as they still have their full enzymes. Remember that you are slowly destroying them as you cook them. They are destroyed when you cook, steam, bake, saute’, fry, roast, stew, boil, pasteurize or can them. Also very hot foods have been known to cause other problems in the human body, please do your research on this. One example of trying to eat your Vegetables raw may be to cook a nice soup broth until it’s warm, then chop up some raw Vegetables, maybe slightly warmed up, and put them into the broth to make a vegetable stew. This way you can keep the enzymes in tact. The message I am trying to get across is that I can’t stress enough to you how much more important it is to eat Vegetables rather than Junk Foods and Fast Foods for every meal. If you are going to go through this work 3-5 meals per day, over your entire Lifetime, that could be 30,000 to 60,000 more meals that you eat. Why not create Good Habits, instead of creating neutral or Bad Habits, especially if it’s going to be Compounded Over Time for the next 30-60 years.

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• Time Makes Money; Money Makes Time

  (My Original Blog Post: http://ping.fm/ereTQ)

  Time Makes Money; Money Makes Time

  
  

  One of the main reasons I write on the concept of Time Awareness is that I believe most people work their entire life spending all of their time creating situations in which they create more work for themselves, so that they are forced to make more money, in order to solve all of the situations and problems that they just created by themselves. I see this in all areas of life from the emotions people show, to thoughts that run through their head, to what they spend, what they eat, and the total sum of what they do every day of the week. I believe that people work very hard spending every valuable hour of their life just to make money, so that someday they can use that money to make their life simpler and have more time to be flexible with their own leisure time. This is referred to as trading hours for dollars, or what I would call spending Free Time, your leisure time, for dollars. This is also referred to as people Spinning Their Wheels. To best illustrate this point, I have provided the following story that I have heard both on the audiobooks, the 4 Hour Work Week and the 80:20 Principle.

  
  

  An American businessman took a vacation to a small coastal Mexican village on doctor’s orders. Unable to sleep after an urgent phone call from the office the first morning, he walked out to the pier to clear his head. A small boat with just one fisherman had docked. Inside the boat were several large yellow fin tuna. The American complimented the Mexican on the quality of his fish.

  
  
  

  “How long did it take you to catch them?” the American asked.
  “Only a little while”, the Mexican replied in surprisingly good English.
  “Why don’t you stay out longer and catch more fish?” the American then asked.
  “I have enough to support my family and give a few to my friends,” the Mexican said as he unloaded them into a basket.
  “but…what do you do with the rest of your time?”
  The Mexican looked up and smiled, “I sleep late, fish a little, play with my children, take a siesta with my wife, Julia, and stroll into the village each evening, where I sip wine and play guitar with my amigos. I have a full and busy life, senor.”
  The American laughed and stood tall. “Sir, I’m a Harvard M.B.A and can help you. You should spend more time fishing, and with the proceeds, buy a bigger boat. In no time you could buy several boats with the increased haul. Eventually, you will have a fleet of fishing boats.”
  He continued, “instead of selling your catch to a middleman, you would sell directly to the customers, eventually opening your own cannery. You would control the product, processing and distribution. You would need to leave this small coastal fishing village, or course, and move to Mexico City then Los Angeles, and eventually New York City, where you could run your expanding enterprise with proper management.”
  The Mexican fisherman asked, “But, senor, how long will this take?”
  To which the American replied, “15-20 years. 25 years tops. ”But what then, senor?”
  The American laughed and said, “that’s the best part, when the time is right, you would announce an IPO and sell your company stock to the public and become very rich. You would make millions.”
  “Millions, senor? Then what?”
  “Then you would retire and move to a small coastal fishing village, where you would sleep late, fish a little, play with your kids, take a siesta with you wife and stroll to the village in the evenings where you could sip wine and play guitar with your amigos…”
  

  -Mark Albion

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• Info Needed From Seller for Short Sale

  (My Original Blog Post: http://ping.fm/Mrnd4) LEAD INFO NEEDED FROM SELLER:
  Property Title Info:
  Currently Single?
  Divorced?
  Divorced When?
  Borrower Info:
  First Name:
  Last Name:
  Home Phone:
  Cell Phone:
  Best Time to Call:
  Email:
  Fax:
  Co-Borrower Info:
  First Name:
  Last Name:
  Home Phone:
  Cell Phone:
  Best Time to Call:
  Email:
  Fax
  1st Lender Info:
  Lender Name:
  Amount Owing:
  Monthly Payment:
  Payments Behind:
  Reinstatement Amount:
  Type of Loan: Conventional, FHA,VA
  Do you pay PMI:
  Account
  2nd Lender Info:
  Lender Name:
  Amount Owing:
  Monthly Payment:
  Payments Behind:
  Reinstatement Amount:
  Type of Loan: Conventional, FHA,VA
  Do you pay PMI:
  Account
  Property Info:
  Are you working with a real estate agent currently? MLS#?
  Address: City: Zip: County:
  Bed: Bath: Garage Stalls:
  Property Style Type: Multi-Unit? Sq Ft? Year Built?
  Estimated Market Value:
  Does it need repairs: Estimated $:
  List of repairs needed:
  Sheriff Sale Date:
  End of Redemption Date:
  Is the property currently occupied or vacant?
  Have you had a bankruptcy? Date When? Date Discharged: Chapter 7? Chapter 13?
  Other liens on the property? Any judgments? Past due water bills? Past Due TaxesShort Sale Documents that we will need soon from the homeowner are:
  1. Signed Authorization to Release form
  2. Tax returns for the last 2 years (1040)
  3. Pay stubs from last 2 months (+spouse)
  4. Bank statements last 3 months+ (joint accounts)
  5. Recent mortgage statements for all properties
  6. Hardship letter (handwritten)
  7. Financial form will be provided
  8. P&L statement for Self Employed and Properties
  Related Articles:
  Taxation of Forgiven Debt: The 1099C & You written Feb 24, 2006
  Excerpts from IRS publications 544 and 507 Regarding Form 1099-C
  Seller’s Legal and Tax Liability in Short Sales April 22, 2008
  H.R. 3648 The Mortgage Forgiveness Debt Relief Act of 2007
  Questions and Answers on Home Foreclosure and Debt Cancellation
  The Taxpayer Relief Act of 1997
  IRS Sales and Other Dispositions of Assets
  IRS Section 1082 Basis Adjustment Reduction of Tax Attributes Due to Discharge of Indebtedness
  IRS 1099-A
  IRS 1099 A & C
  Disclaimer: MinnesotaInvestors.com, Inc. is a licensed Minnesota real estate broker. Minnesotainvestors.com, Inc. handles the marketing end of short sales, provides education and answers questions. Our affiliate short sale specialist will later assist you. The information on this page and the website are for information and educational purposes ONLY and cannot be deemed as legal or tax advice. Please consult your attorney for any legal advice regarding your foreclosure process, your CPA and/or account for tax related questions
  Please contact me at the following info:
  Ron Orr, Jr.
  Real Estate Agent/Broker
  MinnesotaInvestors.com, Inc.
  Phone:763-300-1648
  Fax:763-390-0011
  ron@minnesotainvestors.com

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• Contract for Deed Definition

  (My Original Blog Post: http://ping.fm/lhriJ)

  Minnesota Contract for Deeds

  
  Much of this information can be used in other states, this article is specific to Minnesota.  What is a Contract for Deed in Minnesota?  A contract for deed is often called in other states an AFD (Agreement for Deed) or a Land Contract.  Each state handles a contract for deed differently, so I am only going to discuss Contract for Deeds in Minnesota for the purpose of this article.  You can get contract for deed forms from real estate agents, it's a standard form already pre-made by the association of realtors.   I will tell you that some people hire an attorney to draft a contract for deed, and that's not a bad idea either.   The reason I am writing this article today is that based on the economy today as it is, most everyone is finding it extremely difficult to get financing for a house, or very difficult at least without a substantial down payment.  Due to this continued difficulty, I find that both buyers and sellers need a solution to buy and sell homes, contract for deeds is one of those answers.  I will write an articles on rent to owns at a later time, but I do want to focus on contract for deeds in this article and what it means to you as the buyer of a contract for deed.
  
  Contract for Deed definition: A contract for deed is a sales agreement between a buyer and seller of a property whereby the seller sells the house to a buyer, where the buyer is now the new owner with about all rights the owner had, with only about 1 exception, the buyer does not own the deed therefore can't really sell the property with clear title until they own the deed and pay off the seller's existing loan.  In other words, in order for the buyer to fulfill their obligations they would be paying the seller in full(the full balance) to eventually get the deed.  This typically happens at the time of a loan, or the buyer's refinance which often happens 2-3 years later.

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