Good Ways To Pay Off Credit Card Debt

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by Paul Sarwana

Credit cards can both be your best friend as well as your worst enemy -- and what they turn out to be, it depends on how you use them. Use them wisely and in emergencies, and they will be your friends for life -- use them recklessly for compulsive shopping and they will turn into blood-sucking monsters.

So, if you are in a situation where you find that accumulated credit card debt is snapping at your financial heels, then it is time for credit card debt elimination. Here are a few practical ways how you can pay off credit card debt:

1. Use your credit card for emergencies only: It is impossible to altogether stop using your credit card. But it is definitely possible to use it strictly only for making emergency payments. So, step one is to stop using your credit card for luxury shopping, traveling, entertainment and eating out, and focusing its use on absolute necessities such as gas, groceries, etc.

2. Pay more than the minimum credit card debt: Credit card companies are tricky guys -- they tell you they are making life easier for you by paying only a small percentage (2 to 3%) of your outstanding, and then they charge you a whopping interest on the unpaid balance. The result is disastrous -- you keep spending more and paying only the minimum due, and your debt keeps accumulating. Therefore, if you want to get rid of credit card debt, you must pay more than the minimum amount due. Gradually, the interest amount will keep coming down and you will be able to repay the outstanding amount in a phased manner.

3. Take a home loan: Sure, the sub-prime market crash may have made taking a home loan an onerous task, but if you have a home and a whole lot of credit card debts, then mortgage your home, take a low-interest loan, and repay off the high-interest credit card debt. Remember, interest paid on home loans is a deductible expense and that is another benefit you derive with these loans. Of course, the primary advantage is that you are using this cash for repaying that monster credit card debt that is hanging around your neck!

4. Borrow from other sources: if you do not have a home to mortgage, then consider borrowing using your life insurance policy or your 401(k) plan. However, remember this: when you are borrowing to repay off expensive credit card debt, then you must not begin splurging once you square it up. Adopt austerity measures and concentrate on paying off the new loan in your life.

5. Shift balances: Analyze your credit cards and you will find that some of them have a lower rate of interest. If you do have such low interest cards, then shift the outstanding balances from your high-interest cards to these.

6. Negotiate with the credit card companies: If nothing else seems to be working, then it's time to have a sit-down with your credit card company and place the cards on the table. Tell them that you are unable to pay the outstanding balances, and if they want their money back they will have to restructure the credit card debt. Every credit card company will sacrifice something to get their outstanding back, and nine times out of ten they will plan a good repayment deal for you.

That was how to pay off credit card debt faster. We hope the information was useful. And, good luck to you on finishing off your unwanted credit card debt.

Read on to get more tips on how to pay off credit card debt plus learn ways to reduce credit card debt and become debt free.

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Striper and Paver Truck Financing

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by Chris Fletcher

Striper and paver trucks are invaluable vehicles for any paving companies or for government organizations. These vehicles are useful in spraying paint in neatly striped lines. They help saving much time. They are useful in road or parking lot operations. Paving a driveway and striping a road is not possible without striper and paver trucks. The need and convenience increases their price and so striper and paver truck financing is the best option to acquire them.

The companies that are in immense need of these vehicles need to consider a reliable financing company that has experience in financing business vehicle to get striper and paver truck financing. Their experience makes them understand the need of these trucks in certain businesses and therefore they would provide fast approval of the desired amount to acquire the vehicle.

Striper and paver trucks are of various types. The truck mounted street striper is a truck that helps in painting the edge and middle part of stripes fast. They also help spraying paint neatly in the stripes. Since everybody wants road or parking lot with stripes, the need of these vehicles is increasing more. Their convenience and time saving features make them carry a high price tag. Hence many companies look for striper and paver financing.

Tow behind street stripers are yet another important vehicle which helps painting neat stripes even on hard surfaces. They are more compact and can be used even without a truck. The compact design and extensive services of these vehicles make them favorite among most of the companies. However these features can make the vehicle expensive. Therefore striper and paver truck financing is often preferable.

Asphalt paver truck is a valuable vehicle which comes in different configuration to suit different requirements. They are used to distribute asphalt on road evenly on roads, parking lots and other required areas. Since they help in saving time they are expensive. The striper and paver truck financing is the best option for companies that require these trucks.

Financing striper and paver truck may not be easier. Due to their limited scope, many traditional financial institutions may not be ready to finance them. However there are some reliable financing companies that can understand the need of striper and paver trucks by certain companies. Hence they are willing to provide financial assistance to he companies without any troublesome procedures.

Since such financing companies have great experience in financing business vehicles,
They have some specialized knowledge about these trucks. Hence striper and paver truck financing is easy and becoming possible for almost all companies.

The valid financing companies do not require any cumbersome application procedures. Since the private paving companies and other organizations that require these types of vehicles can approach them easily and get fast approval to get striper and paver truck financing.

Some genuine financing companies accept online applications. Therefore the companies need not waste more time in the tiresome application process. Only few minutes are required to fill the simple application form of such financing companies. They also offer financing at low interest rates and so the companies would find it easier to repay the monthly installments.

Additional information on small business equipment leasing including Striper and Paver Truck Financing at http://www.crestcapital.com/Catalog/Business_Vehicle_Financing_Striper_and_Paver_Truck_Financing is available with online payment quotes.

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What Mortgage Advice Should You Look For?

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by michael sterios

When you're looking to buy your first house, or possibly re-finance your existing mortgage, there are a whole host of mortgage advice options open to you. Some are better than others, however, so you need to know what type of advice you need for your individual requirements. As a guide, the basic information you should be looking for include:

Which One is Right for You?

With so many different types of mortgage available, it can get pretty mind-boggling when all you want to do is pick a mortgage and buy your home. This is where specialist mortgage brokers and advisors can be so useful, as they will be able to help you siphon through all the jargon used by the various mortgage companies.

How much will it Cost?

The biggest mistake many people make when thinking about a mortgage is not taking into account all the ins and outs of the whole process. Most people forget about the additional costs on top of the mortgage itself – things like closing costs, solicitor fees, how the type of mortgage you take out affects your repayments, insurance and mortgage protection, etc.

These are just some of the additional costs you need to factor in when you sit down to plan how much buying your home will cost. On top of that, you need to worry about repair costs that you never had to when renting, as well as council tax and other similar charges.

What Insurance you need for your Home

Although you know that you'll need home insurance for your new home, there are other types of insurance that you should consider. For example, taking out mortgage protection will help should you lose your job or are unable to meet payments, and can make a huge difference should you ever find yourself in a financial tight spot. Again, this is fairly basic information yet you'd be surprised how many people ignore it when planning for a mortgage.

So now that you know the basics of what type of mortgage advice you should be asking for, the next step is knowing where to find this type of advice. There are a few different ways that you can find out the information needed. One of the most obvious is to speak to a mortgage specialist, such as a broker or advisor.

However, there are also other ways, and can even be from the comfort of your own home. For example, you can use online mortgage advisory services, where you can get advice on everything from how much you can borrow and different rates of interest to poor credit mortgage lenders and some of the most commonly asked questions when applying for a mortgage. Alternatively, you could speak to an independent financial advisor, who has no affiliation to any lenders and can therefore give you completely unbiased advice.

Although it's the most expensive thing you'll ever do, with the right mortgage advice you can guarantee that you won't be going in blind, and buying a home will be much easier than you might have thought beforehand.

For expert Mortgage Advice on UK Mortgages visit UK Mortgage Source today

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Forex Day Trader Advice

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by Tyler Ziggler

I wanted to share a little with you about my forex day trader advice that may help you in trading. Learning this business can be a somewhat frightening task, due to the massive volume of trades daily. This isn't really that complex of a business to learn.

• Trade at peak hours: This is important. Peak hours start right after the morning news and this is the point of the day when the trading volume is the highest. You're probably wondering why you should do it when everyone else is doing. Well, the reason is simple, the volume is so high, no bank or big firm can make massive trades that would end up altering the direction of a currency. Buying and selling of currency will affect the direction of the currency, but when the volume is so high, it is next to impossible for a big bank to make a massive trade that could move it in a specific direction. At off peak hours, this is the case. Big banks will come in with massive trades that will cause a currency to move up and down. As a little guy, you're not going to have the money a bank has to make these trades, so you're limited. Just avoid this time and just stick to peak hours.
  
• Have healthy margins: It's surprising how much people just don't work on having healthy profit margins. People make small trades and most of their profit goes to the broker. This is a poor tactic and it will deceive you into thinking you're worse at trading than you really are. A broker gets their pay from the difference between bid and ask prices. These prices are practically a flat rate no matter how much you trade at, so make sure you're getting healthy margins.
  
• Don't hesitate on cutting your losses: Losses are inevitable, but the difference between the profitable trader and the losing trader is that the profitable trade limits the damage of a loss. This is why it is essential to cut your losses and move onto a better trade.

I'm currently giving a 7 day free forex training course. Newbies and experienced are all welcome. If you're interested in participating, check out the Casual Forex Trader.

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Opportunities To Remove Bankruptcy from Credit Report

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by Peter Lisdorf

There are a lot of people who are forced by circumstances to declare bankruptcy. Unfortunately, once they have declared bankruptcy, their credit score goes south fast. You might as well have the words "risky" and "unworthy" tattooed on your forehead. It is highly doubtful if you would be able to secure loans when you have a history of bankruptcy. This does take a toll on your credit score, and often, your credit score will take a plunge.

Can you remove bankruptcy from credit report? Many people will argue that you cannot. They'd point out the "impossibility" of removing it from your credit report. However, you definitely can do something about it. Bankruptcy is disputable. You can dispute it the same way you can question other derogatory accounts on your report.

"But that account is truly mine! How can I dispute it?" Take note that whether the record or account is truly yours – it doesn't matter. The question that would be asked by the credit bureaus is – "Can it be verified?" If an account is verifiable, it stays. However, if the bureau cannot verify the account, it can be deleted from your credit report. The burden of proof here does not even rests on you. It rests on the credit bureau concerned. So, can you remove bankruptcy from credit report? Yes, you can.

There are some things that you should avoid when you try to repair your bad credit report. First and foremost, you must be completely honest. Not only is it risky, it is also unnecessary. You can dispute and try to repair your own credit report without resorting to lying.

When it comes to disputes like this, you'd probably like to know that most credit bureaus do not check public records. You can dispute an account and remove bankruptcy from credit report without an agency resorting to your public records. Yes, they say that they do and they claim that they have a system for it but they really don't. Credit bureaus also avoid having you or anyone else resorting to the courts for any legal concerns.

Honestly, it is a tedious process. People will not be lying if they say that in order to delete bankruptcy from credit report, you might have to invest a lot of your time and energy into it. Bankruptcy is without a doubt the hardest item to remove from a credit report. Often, people would say that in order for you to remove bankruptcy from credit report, you would have to remove every other bad accounts from your report.

Read your credit report carefully. Make sure everything is in order including your address. Often, your debts and credit history is tied with your address. Take note of the accounts that are "included in bankruptcy" and place them in dispute. Creditors have very little resources to verify the veracity of these accounts.

When you filed for bankruptcy, you wanted a fresh start. It will not do you good if your bankruptcy history would haunt you financially. Dispute anything that is not accurate so that you'd remove bankruptcy from your credit report.

Learn more about totally free credit report information as well as how to get free credit repair help and understanding 24 hr credit repair.

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The Fastest Way to Turn Debt into Wealth

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by Ryan Taylor

Turing debt into wealth is not complicated and it can be done is a little as a few years if you have the patience and discipline to stick to your plan.

The first sep to turning debt into wealth is to determine exactly how much money you have coming in, and how much you have going out. In other words, what does your personal cash flow statement look like? If you have more money going out than you have coming in, then one of two things need to occur (or both): increase your income, reduce your expenses.

The next step is to review your spending history over the past few months and identify areas that you can reduce or eliminate expenses. This step should be taken even if your personal cash flow statement is positive and you have money leftover after all of your expense. By doing this, you can turbo charge your debt pay down process and get on the road to wealth sooner.

Depending how motivated you are to turn debt into wealth, you may consider things like temporarily cutting off the cable, riding your bike to work and brining a bagged lunch, canceling your magazine subscriptions. All of these areas that you can find small savings will quickly add up to large amounts of money that you can apply to paying off your debt. Remember, this is just a temporary solution to get you to the next level, which is to reach your financial goals by becoming wealthy.

It is a good idea to also focus on ways to increase your income. Not only can this help you pay off your credit cards faster, but once you are out of debt you can apply that extra income to your investment fund and become wealthy in twice the speed.

Once you have paid off your loans, it's time to focus on turning that former debt into wealth. Continue to have a saving attitude so you regularly invest part of your income in a plain vanilla stock market index fund. By doing this you keep your risk low while still taking advantage of the great returns the stock market provides, and allow compound interest to help you make the kind of money that you desire.

Learn more about how to become a millionaire and transform debt into wealth by visiting Millionaire Money Habits. A free report to teach you how to become rich is waiting for you.

Article Source: The Fastest Way to Turn Debt into Wealth

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Ridiculous (and Rising) Gas Prices Getting You Down? Here's What To Do

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by Kade Phillips

Sub-prime mortgage crisis, food prices soaring, gasoline costs through the roof - do you feel like you're being financially squeezed at every turn? Here are some easy things you can do about some of your auto related expenses:

Saving money at the pumps

Slow things down a bit

On most major U.S. highways and freeways, the posted speed limited for automobiles & motorcycles is typically between 55-75 mph. If you've got a bit of a lead foot, you should know that increasing your speed does increase your automobiles gas consumption accordingly. Driving 20% faster than the posted limit increases your gas consumption by roughly 20% as well. Think about it, with today's soaring gas prices, do you really want to be buying 20% more gas?

Use Cruise Control

The governments website "fueleconomy.gov" suggests that using cruise control on the highway helps you maintain a constant speed and, in most cases, will save gas. The also advise to use Overdrive Gears because, When you use overdrive gearing, your car's engine speed goes down. This saves gas and reduces engine wear. You'll be saving gas, the environment and ultimately your hard earned dollars.

Relax, live longer and enjoy the ride

Aggressive driving, like rapid acceleration, speeding, and hard braking increases gasoline consumption by up to 37% according to a recent study done by Natural Resources Canada. Incredibly, it's also been reported that aggressive city driving only gets you where you want to go about 2½ minutes faster on a 60–minute trip. 37% more gas to buy??? It's a lot to pay for so little time saved, dontcha think?

Is your vehicle actually another 'storage room'

While it may seem like a convenient place to keep certain things, minimizing the amount of "stuff" you keep in your automobile can save you a significant amount of gas money. It is estimated by the U.S. Department of Energy that for every additional 100 pounds that you truck around in your vehicle, you are increasing your gas consumption by about 1-2%. This can really add up over time.

Not going anywhere and still burning up loads of costly gas?

It seems silly to state the obvious, but…you get 0 miles per gallon if your car is idling. You could simply turn off the cars motor if you're not moving for a while. Instead of idling while waiting at the fast food drive-up window, why not park the car and go inside? It's often way faster to get served anyway, and you should know that idling in the line up for more than 10 seconds burns more gas than restarting the engine would. Use this tip wisely, and your gasoline savings will mount.

A well-maintained and smoothly running vehicle uses less fuel

Your auto was designed for optimal operation with certain minimum requirements in place. If these minimum requirements are not met, your cars fuel-efficiency suffers.

Consider the following:
• Keeping your tires properly inflated can improve your gas mileage by around 3.3 per cent.
• Your car's air filter keeps impurities from damaging the inside of your engine and it helps the engine to operate more efficiently. Replacing a dirty air filter can improve your vehicle's gas mileage by as much as 10 per cent.
• You can improve your vehicle's gas mileage by 1-2 per cent by using the manufacturer's recommended grade of motor oil. Using lower grades will not only hurt the engine, but will hurt your wallet as well, in the form of much costlier fill-ups at the pump.

Drive less - much less if you can

Now we know that this is not for everyone, but for many of us, this is not only a viable option, but it could lead to some wonderful side benefits if enabled correctly. Much better health and fitness levels could be ours if we chose instead to walk or cycle whenever possible, instead of driving absolutely everywhere. Other options are car pooling with others (could be great for your social life) - or downsizing your ride - how about one of those new scooters that gets like 80 miles per gallon?

All kidding aside, most of us could drive a lot less, walk a bit more, and we'd all be far better off for it.

Cheaper auto insurance? - yes, it's very possible

With gas prices through the roof, saving money at the pumps is a real hot-topic these days, but you should know that there's another vehicle (excuse the pun) worth looking at for significant savings where your auto costs are concerned. It's easy to do, usually costs nothing but a bit of your time to do, and most people are still unaware of just how much money can be saved.

Did you know that car insurance rates can and do vary wildly from insurer to insurer - for basically the same coverage? Only by shopping around for your auto insurance coverage and getting quotes from several insurance companies will you know whether you are getting the best possible rate on your car insurance coverage. Don't pay any more than you have to - shop around for your car insurance policy. If you have a few minutes, compare your current auto insurance rate with multiple competing offers right now. Click on: Cheap auto insurance
to get started. It could be the best 5-minute investment decision you make all year.

About the Author:
Kade Phillips is a contributing writer at kanetix.com. Cheap auto insurance really is possible with the help of kanetix.

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Fundraising for your Business

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by DevilsCharm

Starting a business takes money, and unless you are born wealthy or have won the lottery, you don't have it (that is why you are starting a business, to make money). How do you raise money for your business? This is the step that prevents most entrepreneurs from even getting started. Raising money is the most difficult step of the startup process, but if you know how to raise capital, things become a lot easier. Many entrepreneurs take out business loans, but there is a better way to get initial cash. There are thousands of investors out there looking for the next big thing, which hopefully will be you. Your goal is to attract and convince those investors to invest in your business, but it is not as easy as just asking.

Unlike most things in business, there is a "magic formula" for getting invested in. The formula for entrepreneurs stems from the formula that successful investors use. The basic concept behind the formula (for investors) is investing in businesses, not entrepreneurs. That is, if an investor sees that an entrepreneur is creating a business solely to provide themselves with an occupation, the investor will not have anything to do with that company. On the contrary, if investors see that an entrepreneur is building a true business, they are much more likely to invest in it. You as an entrepreneur have to do your best to show investors that you are serious about starting a long-lasting, successful company. If you can do that, you are that much closer to catching the attention of investors.

Describing your business to investors is a critical point in grabbing them. If you describe your business poorly, investors will not have anything to do with it. Remember, investors have hundreds of options, so you have to come out on top. When describing your business to investors, you must do it in not more than two sentences. A business that can be described quickly yet fully is a well-planned, potential-filled business. After the initial description investors may want to know more, but if you cannot present the big picture fast, investors will lose interest and you will lose money.

Investors will also want to know what you plan to do with their money. You must create a platform for their investment; if you do not have one, then you will not get any investors. For example, an entrepreneur who will use investors' money simply as their salary will be turned down time and time again. Alternatively, an entrepreneur who will use capital for their building/website design, legal/insurance fees, and marketing, advertising, promotion, will be successful.

For certain types of businesses, it is simply almost impossible to get any investors. Therefore, it is necessary to get a business loan upfront and get investors later. That is, once you have a small stream of customers and a few regulars, you have proven to the world that your business is a potential success, and that is enough to bag some investors.

Using this knowledge, your chances of being invested in are much higher. The key thing to remember is to present to investors a business and not just a job for yourself. If you can do that one thing perfectly, you will raise capital with no problem.

Justin Kander is the marketing director for http://www.getprocash.com, a website which gives members many ways to make money online.

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Raise Credit Score Techniques that Don't Work - Piggybacking

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by Ryan Taylor

In the past one of the best raise credit score techniques was piggybacking. This is the process of using someone else's credit to increase your own. For example, if person A has bad credit, all they would have to do is have good credit person B add them as an authorized user on one of their credit cards with a long good repayment history. As a result, this information would be added to the bad credit person's credit report and their score would instantly increase.

This was the surest, fastest and most effective way to potentially increase a person's credit score over 100 points. Unfortunately, this strategy does not work anymore, or not as well anyway.

In 2008, the Fair Isaac Corp (FICO), the main credit scoring agency, changed the way they compute people's credit scores. One of the things they did was closed the piggybacking loophole in order to put and end to this controversial practice. Originally, this was allowed because it helped parents establish good credit for their children as they started their adult life.

Since people discovered how powerful and effective piggybacking was, they started abusing the loophole. Credit brokerage companies and people started "renting" their credit to other people in exchange for several thousand dollars. Not only is this a risky move for the person with good credit, but it manipulates the credit scoring system as a whole in a way that makes it ineffective.

As a result, in 2008 FICO closed the piggybacking loophole by no longer factoring the co-authorized users accounts into their credit scoring formula. Now consumers have to face the music when it comes to bad credit and use other strategies to fix their credit score.

Boost your credit score quickly and learn raise credit score strategies. Go visit the FICO Formula to receive credit repair tips and tricks: http://www.ficoformula.com

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Things that Attract Buyers to Your Commercial Property

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by Tony Seruga, Yolanda Seruga and Yolanda Bishop

Commercial property sales are booming. According to current estimates, investors will invest about $200 billion into U.S. commercial property just this year, and the number increases annually. Most analysts expect an increase boost in the near future, short term, as investors reallocate their capital from the increasingly squishy stock market to the stable real estate market.

This is a very smart move, especially when you're working to create a stable center for your investments. Commercial real estate has been historically very stable indeed, with an annual rate of return ranging from 6 to 9 percent.

Another way to look at the profit potential of commercial property: follow the foreign money. In 2003, foreign investors poured $5.5 billion into American real estate. The major metropolitan markets they had been using are starting to dry up now, and smart foreign investors are moving to the secondary markets, the Milwaukee's and St. Louis's of the U.S. And these investors are finding that commercial properties in these locations are just as profitable, if not more so, as the largest cities.

Foreign investors are not the only ones picking up commercial property. Businesses besides the big boxes of Wal-Mart and Kroger are starting to consider purchasing more than just the space they need; instead, they're looking at the control and profit potential of owning strip malls that their stores anchor, or of following the strategy of many duplex owners and renting out space in buildings they are not using. This trend only pushes the value of commercial property higher.

So how can you cash in on these trends when selling commercial property?

Start with your marketing plan: whom are you advertising to? If you're focusing on a local market, you're cutting out a huge source of income. Global investors have money, and they're not afraid to use it. Buyers wanting to combine business residence and leases to others in one property are out there too. But how do you find them?

Marketing Models To Attract Investors To Your Commercial Property

One of the first things you should look at to attract these new investors to your commercial properties is how you're advertising. If you don't come in contact with global buyers personally, you may need to start looking at the newest, most global advertising option: online. This may mean doing several other things: creating a website that is attractive to a global market, advertising in appropriate foreign online and print publications, and - most importantly - translating your site to another language that your investor can understand.

You'll also need to think about the ways these other countries do business, and don't be afraid of stereotypes if they are accurate. German companies, for instance, are very conservative and purchase primarily commercial properties that are very stable, with minimal tenant rollover and with long-term leases that tenants have been in for a while. British investors - and investors in some other countries - are interested in the U.S. market partly because the weak dollar versus their currency has dropped the price of American real estate.

You'll find similar differences in each of these countries: Australians like to partner with American companies, and Israelis are taking advantage of loosened government restrictions to invest more capital overseas. Your best bet may be to identify the nationalities of investors you think would be interested in your commercial properties, and then become an expert on their special situations that make American real estate a great bargain.

This goes for domestic investors as well. Each investor is a little different, and they're coming from a different place financially and in their needs. You may be able to see better than they the advantages of purchasing a given commercial property, and if you can just educate them on the advantages that will accrue specifically to them, you will close the sale.

One other thing to emphasize to foreign investors: unlike real estate purchases in many countries, in America it is very easy to liquidate your interests in commercial property, and that property is unlikely to be seized by the government in some redistribution scheme, as has happened and may happen again in many other world markets.

Another great source of potential investors in your commercial property is funds - not the traditional REITs, but rather pension funds, corporations, and real estate partnerships, among others. While REITs have been soft lately, other funds with more diversified holdings are booming. Marketing your properties to these others can make an enormous difference in what you're able to sell, and what price point you can look for.

Look also for unique opportunities, using the "one man's junk is another man's treasure" principle. In one case, an enterprising real estate investor found a company that did environmental cleanups for other companies. He convinced them that serious money could be made in purchasing sites labeled environmentally hazardous at bankruptcy prices, cleaning them up, and then reselling them. This model proved very lucrative indeed.

Sensitivity to where the buyer is emotionally can also net a serious profit. Some clients are ready for a challenge or a risk; others really are not. Sell to this very personal preference, and you'll find clients where you thought none existed.

Divide your potential buyers into categories: the risk-takers, who are ready to build properties on spec or rehabilitate properties thought too dangerous by other investors; the value-adder, who wants to take on commercial properties that have good value now and increase that; or the passive investors, who just want to buy safe properties and make money on the rents. There are other categories, and you should develop your own to adhere to your unique niche in the real estate business.

There are as many types of investors you can attract, as there are types of investment properties. Focus on flexibility and creativity, and you'll prosper.

Tony Seruga, Yolanda Seruga and Yolanda Bishop of http://www.maverickrei.com specialize in commercial and investment real estate. As of May, 2006, they and their partners are managing over $600 million dollars worth of new projects.

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