Commercial University

The expectations of lenders can be excruciating for borrowers. The down payment required for an acceptable LTV combined with the minimum credit score are enough to lead potential loans to what looks like a dead end. However, in some cases hard money loans are the perfect remedy.

Often times hard money lenders are confused with venture capitalists mostly because private investors are involved. Banks and lending companies arrange the loans with help from the investors who are seeking a reasonable return.

Clients also tend to request specifics that are determined by a review of their loan request and financial status. For example, lenders can typically tell someone what interest rates range from, but one must apply in order to receive a quote. Since each person may qualify for different terms, rates and amounts it is only rational to review the pros and cons so you may determine whether or not itâ??s worth it to pursue a hard money loan any further.

One benefit for borrowers who utilize hard money loans is that the lenders do not focus so much on their credit scores as they do on the value of the property used as collateral. Most lenders have a limit on the LTV of the property used for collateral. This can range from 50 percent to 85 percent and is completely a case-by-case basis. If there is enough equity, the value of the property will need to be proven through an appraisal. Some lenders accept appraisals that are new enough, while others demand that new ones be completed.

Another benefit of hard money loans is how quickly they close. Many borrowers take full advantage of this even if their credit is excellent, simply because they prefer a hassle-free transaction that doesnâ??t drag on for a month.

Individuals in pre-foreclosure or bankruptcy are also able to obtain hard money loans so long as the lender is convinced that the borrower has sincere and verifiable intentions to dig themselves out of the financial hole theyâ??re in. More times than not, this is one of the exceptions where a borrowerâ??s income can be the determining factor for receiving the loan. If they are able to demonstrate that the debt can be repaid, a hard money loan can very well become their life raft.

With interest rates that reach 18 percent (or higher) and fees that climb to 6 points plus, there are obvious disadvantages that may scare borrowers off. This is not always the case, which is where due diligence on your part comes into play. One can quickly determine whether or not the interest rate and fees being offered are reasonable in relation to their situation by reviewing multiple offers from different lenders and asking questions. Similarities in the offers signal that youâ??re probably pretty close to the best amount you can get.

In the end, obtaining financing really comes down to: Convenience & Reliability vs. Amount & Terms. How quickly you want the loan and how dependable you are to repay the lender determine what you will get. And on a final note, a few minutes spent on the phone with anyone specializing in hard money loans will help you see past any presumptions so you can focus on what you qualify for and how it will help your goals.

Thousands Sucked Dry By Hard Money Parasites- How To Avoid The
Loan Leech! by The Hard Money Specialist

(c)2005 The Hard Money Specialist- All Rights reserved
www.hardmoneyspecialist.com

==========================================================

There are creatures that prowl about the lush, green hard money
jungle that ignorantly kill 99 out of 100 deals…and the chances
of you ever finding a real lender with them are slim and none.

Now I’m not talking about respectable brokers, agents or
middlemen that have direct access to the money and treat their
clients with respect. I’m referring to the ignorant leech who
has absolutely no connection to a real investor at all, and
leads the innocent, sometimes desperate client into a black hole
of false hope.

They are despicable, not because they don’t want to secure
funding for their client, but because they don’t know the first
thing about the real world of private lending… They are in it
for the hope of big broker fees and don’t really care about the
myriad of candidates vying for funding!

They don’t give a flying squirrel about the client, their
particular circumstances or the massive amount of time that will
be wasted. They set their hook and then proceed to drag their
unsuspecting prey into a daisy-chain jungle, hoping that
someway, somehow, someone they find will fund the deal (throw
enough wet spaghetti against the wall and something eventually
has got to stick mentality).

This jungle leech calls every person he can find, other leeches,
quasi-brokers and the like, hoping that someone will know
someone who knows someone’s rich brother-in-law. This fishing
can take days and sometimes weeks, and, if they ever get lucky
enough to find an interested party, they simply sit back and
pacify the unsuspecting client as long as they can until they
find a way to the cash. Now, if the interested party is another
leech (and 99% of the time they are) you can see how this
daisy-chain can quickly grow into an anchor that drags the deal
into the shadows of the jungle.

Many deals never get funded because there are too many hands in
the cookie jar…”a plethora of parasites” if you will. If one
leech senses he won’t get his cut of the profits, he can and
usually does, kill the deal so NO ONE gets paid. And the sad
thing is, a real hard money lender doesn’t go near a deal that’s
been picked over. It doesn’t have to be this way. There are
simple indicators you can learn to help you deal directly with
the real private money lender. If you follow these basic rules,
you will save yourself considerable time, frustration and
heartache.

Rule No.1- If they ask for an upfront fee, laugh, scream “leech”
into the receiver and hang-up the phone! Who knows, maybe you’ll
freak one out and he’ll change professions.

Rule No. 2- Real hard money or private money lenders know
EXACTLY what they are looking for and will tell you (always
during the first phone call) if your deal fits their criteria.
If the agent or broker is not sure, staggers a bit and has to
check, again, hang-up the phone!

Rule No. 3- Don’t throw out your deal for everyone to look at.
Go at it one investor at a time. Remember, real lenders know
when a deal has been handed around…picked over deals are already
dead! They won’t even look at them.

Rule No. 4- Do a web search on the company, group or individual
to see if there is any derogatory information floating around
about them. If you don’t find anything at all that’s OK. There
are only a handful of real investors in every area and they
generally are very private individuals or small groups.

Rule No. 5- Try to deal with someone local if you can. It’s
easier to check them out and get a good read on them.

Rule No. 6- Most genuine private investors and their
representatives are pretty laid back. It’s the over exuberant or
hyper individual I would stay away from.

Rule No. 7- With bigger deals, like commercial developments,
know what documentation you need to get together for your
package by checking with your financial advisor or banker.

I sincerely hope this article helps you in your quest to find a
real lender who can fund your deal and avoid the hard money
jungle altogether! Why not just take the easy route and visit
me? That’s what I do!
===========================================================

The Hard Money Specialist has helped thousands of clients secure
financing. Need to get to the real investor? Click here now-
http://www.hardmoneyspecialist.com hardmoneyspecialist@cox.net
or call 949-305-1793– 6 FREE GIFTS just for visiting!

ATTENTION Ezine Editors/Site Owners Feel free to reprint this
article in it’s entirety in your ezine or on your site as long
as you leave all the links in place, do not modify the content
and include our resource box as listed above.

Any time I talk about writing articles, I hear people say things like “I don’t have the ability to write” or “I’m a really good writer but I have a hard time with procrastination.” Now, I don’t have a problem with the writing. I know I can write pretty well but I do have a problem with getting started and then finishing.

I’d much rather be spending my time surfing or snowboarding than sitting in front of my computer screen writing articles about topics that I have little interest in. What would you rather do: toil away all day on your computer writing article after article or simply rewrite some high quality articles, tie them together, make them look like your own and then do whatever it is you like to do?

If any of the stuff above reminds you of the person that you see every morning in the mirror, then these four ways that you can profit from private label content are for you as are the other four in Part 2.

So, here are four of the top eight ways that you can make money from private label content:

1. Generate big time affiliate income by creating high quality mini eBooks containing your affiliate links.

This is one of the things that I love to do! You see, let’s say you have a website that sells cigars. You could purchase private content articles about all the different types of cigars that a cigar aficionado would like and create an eBook. Finally, you can place links in the eBook back to your website and give your customers the right to give the book away for free. This is viral marketing at its simplest.

And if you get yourself a rebrander then you can even take it a step further. Don’t know what a rebrander is? A rebrander allows your affiliates to rebrand the eBook with their affiliate links. Rebranding will cause your eBook to spread like wildfire because now your affiliates have more incentive6 to give the eBook away!

2. Offer some of the articles as a meaty report that your visitors can give away to promote your site. Also, if you use a rebrander, you can rebrand the report and allow your affiliates to promote your website by giving it away for free.

According to top marketers, an average of seven contacts with a customer before they will order. A few people will order the first time, but more often than not, you will have to contact them 4+ times before they will order. The small problem is that you need their email address because they’re not going to just hand it over… that’s way you give them the free report.

What this report will do is build trust with your prospective customers such that they will want to do business with you. After all, how would a free report with 25 high quality articles make you feel? Pretty happy, right? Of course it would!

3. Put together a content site and place your Google Adsense code into the pages for hands free income.

Let me tell you, I love Google Adsense! Why? Because even a small little website with only five pages can make me $5-10 per day. Twenty 5-page websites can make me $36,500-73,000 per year! Create a 25-page website and you can multiply your “take” by five and make $25-50 per day… every single day of the year!

A small niche website plus submitting to article directories equals… well, you get the point. With private label content articles, it’s simple, awesome and very lucrative.

4. When you subscribe to or order private label content packages, you’ll receive hundreds or even thousands of private label articles that allow you to prepare all of your articles to be sent out every week or create a newsletter that is set for an entire year.

I don’t know about you but I like to set things up and then never have to deal with them again. That’s why I buy two cases of toilet paper at Costco just once a year. Well, you can do the same basic thing because each month you get hundreds of articles when you subscribe to private label content packages.

Now, you can take a little time to set up a newsletter once and then let it go out for the rest of the year automatically. Isn’t that totally awesome? One day’s worth of work will put money in your pocket each and every week even though you don’t have to do anything more!

If you want to make money with private label content, then these four ways are an excellent starting point. However, there are at least four other ways to make money from private label content as well, so be sure to check out Part 2 if you haven’t already done so. Just click on one of the links in the resource/bio box below!

One of the most important documents you will ever sign with a private lender is the actual Note that creates the loan obligation. In a typical private lender transaction, you, the real estate investor (borrower), borrow money from a private individual (private lender) and that transaction is documented by a Note and Mortgage.

The Note lays out the terms and conditions under which the private lender is willing to lend you money and under which you are willing to borrow money. The Mortgage is the security document for the borrowerâ??s performance under the Note and usually is secured by a piece of real estate you own or are about to purchase.

The Note is where you want to control the private lending process in your favor and give you the control and flexibility you may need in the future. If the Note does not contain the right clauses, you are potentially giving away tremendous control to your private lender and, ultimately tying your hands.

When dealing with private lenders, it is critically important that you remain in control of your future options.

If you were to go to your local office supply store and buy a template note form, you are potentially leaving your future control over to your private lender without even knowing what is happening.

We recommend the following two clauses in any Note with a private lender:

Prepayment Penalty Clause

“The Borrower reserves the right to prepay this Note (in whole or in part) prior to the due date with no prepayment penalty”

The prepayment penalty clause allows you, the right to pay off a Note prior to maturity without a prepayment penalty. Without this clause, you may not be able to pay off a Note early, or worse, you may have to pay a large penalty for the right to prepay the Note.

For example, if you have a three year Note secured by a piece of real estate you own and you get a great offer to sell the property, you may see a big pay day in your future; But, without the prepayment penalty clause, you may have to pay the lenderâ??s full three year interest for the right to pay off early or the lender may require a penalty of several percentage points to allow you out of the Note.

With the prepayment penalty clause, you have the full right to pay the Note off early with no prepayment or interest penalty. The benefits of this clause can be very powerful and beneficial to you down the road.

Substitution of Collateral Clause

“The Borrower has the right to substitute like collateral of equal or greater value”

The substitution of collateral clause allows you to sell the underlying real estate without paying off the private lender Note by substituting the collateral with a different piece of real estate of equal or greater value.

With this clause, you can flip a property without having to pay off your private lender every time you sell a property. Imagine the work and inconvience to you and your private lender if every couple months you sell a property and have to pay off the previous loan and draw up a new Note. This can be real burden on both you and the lender alike, and eventually the private lender grow tired of the process.

A much better solution is to use the substitution and collateral clause so that every time you want to flip a property, you have the right to transfer the Note to another property of equal or greater value without paying off the private lender. The private lender is much happier because his money is always working without any inconvenience of new documents every couple months.

By using the prepayment penalty and substitution and collateral clauses, you are more likely to have a big payday coming because you will have the flexibility and ability to realize that payday.

The expectations of lenders can be excruciating for borrowers. The down payment required for an acceptable LTV combined with the minimum credit score are enough to lead potential loans to what looks like a dead end. However, in some cases hard money loans are the perfect remedy.

Often times hard money lenders are confused with venture capitalists mostly because private investors are involved. Banks and lending companies arrange the loans with help from the investors who are seeking a reasonable return.

Clients also tend to request specifics that are determined by a review of their loan request and financial status. For example, lenders can typically tell someone what interest rates range from, but one must apply in order to receive a quote. Since each person may qualify for different terms, rates and amounts it is only rational to review the pros and cons so you may determine whether or not itâ??s worth it to pursue a hard money loan any further.

One benefit for borrowers who utilize hard money loans is that the lenders do not focus so much on their credit scores as they do on the value of the property used as collateral. Most lenders have a limit on the LTV of the property used for collateral. This can range from 50 percent to 85 percent and is completely a case-by-case basis. If there is enough equity, the value of the property will need to be proven through an appraisal. Some lenders accept appraisals that are new enough, while others demand that new ones be completed.

Another benefit of hard money loans is how quickly they close. Many borrowers take full advantage of this even if their credit is excellent, simply because they prefer a hassle-free transaction that doesnâ??t drag on for a month.

Individuals in pre-foreclosure or bankruptcy are also able to obtain hard money loans so long as the lender is convinced that the borrower has sincere and verifiable intentions to dig themselves out of the financial hole theyâ??re in. More times than not, this is one of the exceptions where a borrowerâ??s income can be the determining factor for receiving the loan. If they are able to demonstrate that the debt can be repaid, a hard money loan can very well become their life raft.

With interest rates that reach 18 percent (or higher) and fees that climb to 6 points plus, there are obvious disadvantages that may scare borrowers off. This is not always the case, which is where due diligence on your part comes into play. One can quickly determine whether or not the interest rate and fees being offered are reasonable in relation to their situation by reviewing multiple offers from different lenders and asking questions. Similarities in the offers signal that youâ??re probably pretty close to the best amount you can get.

In the end, obtaining financing really comes down to: Convenience & Reliability vs. Amount & Terms. How quickly you want the loan and how dependable you are to repay the lender determine what you will get. And on a final note, a few minutes spent on the phone with anyone specializing in hard money loans will help you see past any presumptions so you can focus on what you qualify for and how it will help your goals.

Private Loan Consolidation College life teaches you how to
stretch a dollar, how to make a pizza cover breakfast, lunch,
and dinner, and how to get the most out of your money. That
said, when your college education is over and achieved, the
student loans following it should not last a lifetime and follow
you throughout your career!

Consider Consolidating Your Loans and Save Rather than lug
around student loans for years to come, why not consolidate all
your different student loans into one private loan consolidation
that makes it easy for you to pay off your student loans with
just one low monthly payment every month. Six months after you
graduate, you can be sure that creditors will be banging down
your door, looking for your first payment towards your student
loans. Whether you borrowed from a bank, the government, or
through some other private means, student loans add up quickly.
A private loan consolidation allows you to take all of your
student loans and throw them into one general debt - this way,
you can make payments towards that debt and only have to deal
with one private company, instead of 2, 3, 4, or 5 loan firms
and/or creditors.

Where To Find A Consolidation Loan Best of all, there are a
plethora of companies out there willing to give you a private
loan consolidation. They will analyze your student loans, see
where the loans came from and what interest percentages the
loans carry, and then they will get on the project immediately,
possibly saving you hundreds, even thousands of dollars over the
next few years! Stop paying money out to creditors who are
holding you hostage with their high-interest fees. Obtain a
private loan consolidation today from a company that can help
you to save money and eliminate your loans quickly as well.
Research on the internet or speak with a financial advisor today
and find the private loan consolidation that will put all your
debt into one small easy and convenient package - which can
disappear before you hit mid-life!

This article is distributed by NextStudent. At NextStudent, we
believe that getting an education is the best investment you can
make, and we’re dedicated to helping you pursue your education
dreams by making college funding as easy as possible. We invite
you to learn more about how to get Private Loan Consolidation at
NexStudent.com .

Any time I talk about writing articles, I hear people say things like “I don’t have the ability to write” or “I’m a really good writer but I have a hard time with procrastination.” Now, I don’t have a problem with the writing. I know I can write pretty well but I do have a problem with getting started and then finishing.

Of course, staring at my computer screen all day isn’t exactly my idea of a good time. Certainly, I’d much rather be carving waves or mountains. What would you rather do: toil away all day on your computer writing article after article or simply rewrite some high quality articles, tie them together, make them look like your own and then do whatever it is you like to do?

If any of the stuff above reminds you of the person that you see every morning in the mirror, then these four ways that you can profit from private label content are for you as are the other four in Part 2.

Here are four ways in which you can use private label content to easily make money:

1. Take the content, plug your affiliate links into the content and compile them into a spectacular little eBook.

I just love to use this little strategy Now, for instance, let’s say that you have a website that sells cigars. You buy private content about cigars that cigar aficionados would like then compile it into a mini eBook. Then load the eBook with links back to your website and encourage your customers to pass it along so that it will spread like a virus.

And you can take it a step further if you have a rebrander program. Don’t know what a rebrander is? With a rebrander, your affiliates can take your eBook and place their affiliate link to your store in it. This really is the essence of viral marketing because now it is easier and more profitable for your affiliates to promote your web site.

2. Make a solid report by culling some of the articles together and then give it away to promote your site. Also, if you use a rebrander, you can rebrand the report and allow your affiliates to promote your website by giving it away for free.

Of course, most salespeople know that it takes an average seven contacts with a customer before they will place an order. A few people will order the first time, but more often than not, you will have to contact them 4+ times before they will order. The small problem is that you need their email address because they’re not going to just hand it over… that’s way you give them the free report.

Well, the better the report the more trust you build with your customer and the more likely they become to open their wallet. I mean, let me ask you this: would a report with 25 articles in it make you happy? Damn straight you would!

3. Simply create a small niche content site and make money by placing Google Adsense on your website’s pages.

I love Google Adsense… it’s the easiest way to make money! Why? Because even a small little website with only five pages can make me $5-10 per day. You can make $36,000-73,000 by simply creating twenty little 5-page websites. A 25-page site can make me $25-50 per day… 365 days per year!

You do the math. A small little website + submitting your articles to article directories = $$$$. Simple. Awesome. Extremely lucrative. And with private label content… very little work!

4. With private label content packages, you get hundreds of articles across various niches every month so you can load up your articles to go out once a week and have a newsletter set for a year in advance.

Are you like me? Do you like to spend time setting something up all at one time so that you don’t have to deal with it for a year or two? Just so I never have to buy any for the rest of the year, I always buy two cases of toilet paper at Costco. Well, with private label content packages, you get hundreds of articles each month so you can do the same basic thing.

I mean, wouldn’t it be great to take the articles and put them together as an newsletter that goes out every single week like clockwork? Wouldn’t that be spectacular? Every day, money will flow into your bank account for work that took you one day months or years ago.

If you want to make money with private label content, then these four ways are an excellent starting point. Of course, these are not the only ways to make money from private label content. In fact, if you haven’t already done so, check out part 2 of this article. Just click on one of the links in the resource/bio box below!

Thousands Sucked Dry By Hard Money Parasites- How To Avoid The
Loan Leech! by The Hard Money Specialist

(c)2005 The Hard Money Specialist- All Rights reserved
www.hardmoneyspecialist.com

==========================================================

There are creatures that prowl about the lush, green hard money
jungle that ignorantly kill 99 out of 100 deals…and the chances
of you ever finding a real lender with them are slim and none.

Now I’m not talking about respectable brokers, agents or
middlemen that have direct access to the money and treat their
clients with respect. I’m referring to the ignorant leech who
has absolutely no connection to a real investor at all, and
leads the innocent, sometimes desperate client into a black hole
of false hope.

They are despicable, not because they don’t want to secure
funding for their client, but because they don’t know the first
thing about the real world of private lending… They are in it
for the hope of big broker fees and don’t really care about the
myriad of candidates vying for funding!

They don’t give a flying squirrel about the client, their
particular circumstances or the massive amount of time that will
be wasted. They set their hook and then proceed to drag their
unsuspecting prey into a daisy-chain jungle, hoping that
someway, somehow, someone they find will fund the deal (throw
enough wet spaghetti against the wall and something eventually
has got to stick mentality).

This jungle leech calls every person he can find, other leeches,
quasi-brokers and the like, hoping that someone will know
someone who knows someone’s rich brother-in-law. This fishing
can take days and sometimes weeks, and, if they ever get lucky
enough to find an interested party, they simply sit back and
pacify the unsuspecting client as long as they can until they
find a way to the cash. Now, if the interested party is another
leech (and 99% of the time they are) you can see how this
daisy-chain can quickly grow into an anchor that drags the deal
into the shadows of the jungle.

Many deals never get funded because there are too many hands in
the cookie jar…”a plethora of parasites” if you will. If one
leech senses he won’t get his cut of the profits, he can and
usually does, kill the deal so NO ONE gets paid. And the sad
thing is, a real hard money lender doesn’t go near a deal that’s
been picked over. It doesn’t have to be this way. There are
simple indicators you can learn to help you deal directly with
the real private money lender. If you follow these basic rules,
you will save yourself considerable time, frustration and
heartache.

Rule No.1- If they ask for an upfront fee, laugh, scream “leech”
into the receiver and hang-up the phone! Who knows, maybe you’ll
freak one out and he’ll change professions.

Rule No. 2- Real hard money or private money lenders know
EXACTLY what they are looking for and will tell you (always
during the first phone call) if your deal fits their criteria.
If the agent or broker is not sure, staggers a bit and has to
check, again, hang-up the phone!

Rule No. 3- Don’t throw out your deal for everyone to look at.
Go at it one investor at a time. Remember, real lenders know
when a deal has been handed around…picked over deals are already
dead! They won’t even look at them.

Rule No. 4- Do a web search on the company, group or individual
to see if there is any derogatory information floating around
about them. If you don’t find anything at all that’s OK. There
are only a handful of real investors in every area and they
generally are very private individuals or small groups.

Rule No. 5- Try to deal with someone local if you can. It’s
easier to check them out and get a good read on them.

Rule No. 6- Most genuine private investors and their
representatives are pretty laid back. It’s the over exuberant or
hyper individual I would stay away from.

Rule No. 7- With bigger deals, like commercial developments,
know what documentation you need to get together for your
package by checking with your financial advisor or banker.

I sincerely hope this article helps you in your quest to find a
real lender who can fund your deal and avoid the hard money
jungle altogether! Why not just take the easy route and visit
me? That’s what I do!
===========================================================

The Hard Money Specialist has helped thousands of clients secure
financing. Need to get to the real investor? Click here now-
http://www.hardmoneyspecialist.com hardmoneyspecialist@cox.net
or call 949-305-1793– 6 FREE GIFTS just for visiting!

ATTENTION Ezine Editors/Site Owners Feel free to reprint this
article in it’s entirety in your ezine or on your site as long
as you leave all the links in place, do not modify the content
and include our resource box as listed above.

Any time I talk about writing articles, I hear people say things like “I don’t have the ability to write” or “I’m a really good writer but I have a hard time with procrastination.” Now, I don’t have a problem with the writing. I know I can write pretty well but I do have a problem with getting started and then finishing.

I’d much rather be spending my time surfing or snowboarding than sitting in front of my computer screen writing articles about topics that I have little interest in. What would you rather do: toil away all day on your computer writing article after article or simply rewrite some high quality articles, tie them together, make them look like your own and then do whatever it is you like to do?

If any of the stuff above reminds you of the person that you see every morning in the mirror, then these four ways that you can profit from private label content are for you as are the other four in Part 2.

So, here are four of the top eight ways that you can make money from private label content:

1. Generate big time affiliate income by creating high quality mini eBooks containing your affiliate links.

This is one of the things that I love to do! You see, let’s say you have a website that sells cigars. You could purchase private content articles about all the different types of cigars that a cigar aficionado would like and create an eBook. Finally, you can place links in the eBook back to your website and give your customers the right to give the book away for free. This is viral marketing at its simplest.

And if you get yourself a rebrander then you can even take it a step further. Don’t know what a rebrander is? A rebrander allows your affiliates to rebrand the eBook with their affiliate links. Rebranding will cause your eBook to spread like wildfire because now your affiliates have more incentive6 to give the eBook away!

2. Offer some of the articles as a meaty report that your visitors can give away to promote your site. Also, if you use a rebrander, you can rebrand the report and allow your affiliates to promote your website by giving it away for free.

According to top marketers, an average of seven contacts with a customer before they will order. A few people will order the first time, but more often than not, you will have to contact them 4+ times before they will order. The small problem is that you need their email address because they’re not going to just hand it over… that’s way you give them the free report.

What this report will do is build trust with your prospective customers such that they will want to do business with you. After all, how would a free report with 25 high quality articles make you feel? Pretty happy, right? Of course it would!

3. Put together a content site and place your Google Adsense code into the pages for hands free income.

Let me tell you, I love Google Adsense! Why? Because even a small little website with only five pages can make me $5-10 per day. Twenty 5-page websites can make me $36,500-73,000 per year! Create a 25-page website and you can multiply your “take” by five and make $25-50 per day… every single day of the year!

A small niche website plus submitting to article directories equals… well, you get the point. With private label content articles, it’s simple, awesome and very lucrative.

4. When you subscribe to or order private label content packages, you’ll receive hundreds or even thousands of private label articles that allow you to prepare all of your articles to be sent out every week or create a newsletter that is set for an entire year.

I don’t know about you but I like to set things up and then never have to deal with them again. That’s why I buy two cases of toilet paper at Costco just once a year. Well, you can do the same basic thing because each month you get hundreds of articles when you subscribe to private label content packages.

Now, you can take a little time to set up a newsletter once and then let it go out for the rest of the year automatically. Isn’t that totally awesome? One day’s worth of work will put money in your pocket each and every week even though you don’t have to do anything more!

If you want to make money with private label content, then these four ways are an excellent starting point. However, there are at least four other ways to make money from private label content as well, so be sure to check out Part 2 if you haven’t already done so. Just click on one of the links in the resource/bio box below!

The decision to send your child to a private school is a very personal one. There are parents who make this commitment soon after, or even before, their child arrives in the world. The child’s name may be put down for the parent’s choice of independent school. Quite often the school may be the one which a parent attended or one chosen because they wish the child to be educated according to a particular religious belief.

There are also private schools catering for children with special needs as far as their education is concerned. Children with impaired hearing, problems with vision or mobility or some degree of learning disabilities are catered for. Schools are available for specially gifted children, offering training in drama, music or dance alongside a comprehensive academic curriculum.

All independent schools in England and Wales are required to be registered with the Department for Education and Skills. In Scotland and Northern Ireland the registration is with the Scottish or Ireland Executives.

The normal pattern of private education is kindergarten or pre-prep school from the age of four (sometimes earlier) and then on to prep school until the age of thirteen when they move into a senior independent school.

Some parents choose to use independent schools for part of their child’s education, combined with state schools. They may decide to send their child to a local state school for some years, before transferring him or her to a private school for their senior years. Not all parents like the idea of the large comprehensive state schools. The child may have attended, and made good progress, at a smaller village school and the change may be something which worries both parents and child. Alternatively the decision may be made to give the child a good start at a good pre-prep school and see how it goes.

The cost of private education using an averagely priced pre-prep school from the age of four, through prep school and on to an independent senior school could be as much as £200,000 plus. More if a boarding school is chosen.

In the case of parents who have pre-planned their child’s education, it is likely that they have built provision for the costs into their budgeting and there are various products geared towards this.

Many parents, disillusioned with the state sector, come more slowly to the decision to head for the private option and therefore have made no provision for the costs. In this case, unless you dip into your savings or have sufficient income, borrowing may be the only choice.

There are tens of thousands of parents who are making great financial sacrifices to give their children the very best start in their education. Around a quarter of these have average, or lower, incomes and are choosing to go without holidays or other luxuries to pay school fees.

There has been a notable rise in applications for personal loans to fund private education fees and it is expected that these will increase as more parents decide to invest in their child’s future. Around 620,000 children are now educated in independent schools.

A recent study shows that not only are private school pupils more likely to attain better results, but also to get higher-paying jobs than state school pupils who were just as able and of similar backgrounds.

For all the advice you need on loans, the internet is the place to go. Here you’ll find advice and help and discover the best way to fund your “personal investment”.