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It’s important to get your education in real estate, but you have to know which area you want to get into. Are you referring to becoming a real estate agent? Maybe I’m clueless here, but isn’t the only requirement to pass the exam? I have no idea why you would need an associates degree, or study business administration for anything in real estate. Don’t waste your time and money on things not really useful in the real world.
Go to the library or bookstores and read books on real estate. As many as you can. If at a bookstore, don’t buy them, just hang out there and read them. Figure out what you might like doing and read more books on those subjects to find out how to be good at it. This should take no longer than 1 week, if you really work at it. Once you’ve picked your ONE strategy to get rich in real estate, make a plan and start doing it. This will work a lot better for you in getting started in real estate than what anybody can write to you about on Yahoo! Answers.
I’ve only done real estate investing, so I wouldn’t know anything about how to be an agent, a mortgage broker, an appraiser, if you’re interested in any of those.
I think being an investor is the best and only way to start in real estate without money or experience, while still making money. The strategy for beginners is wholesaling houses. Basically you find a house that the owner is highly motivated to sell because it’s vacant and/or needs lots of work, you negotiate and put it under contract for a low price, then you go out and find an investor/rehabber that is willing to pay you a little bit higher price for it. The difference between what the investor/rehabber pays and what you negotiated with the seller is your PROFIT. That’s the gist of it, of course there are details you need to educate yourself on. If you are at all interested in doing investing or finding out what kind of investing you can do without money or experience, the books I’m referencing below is a good start.
According to many financial and investment advisors, buying a new home in a neighborhood with good schools makes smart real estate investment sense—even if you don’t have school-age children. Of course, if you do have kids in elementary, middle, or high school, considering the schools rankings in communities where you are thinking of buying a new home is a natural. But for those who don’t think the schools near your new home matter, think again. Because while you may believe now that you’ll live in your new home for many years, if you do decide to move for whatever reason, you’ll need to sell that home. And homes that exist in strong school districts are at the top of the list of “musts” for homebuyers with children, and as a result, you will increase your property value simply by originally buying that new home near good schools.
Here in the Bryan and College Station areas, as part of the economic growth and development, new schools are popping up across the communities’ landscapes. In the next two years, 2011-2012, the new schools of Greens Prairie Elementary and The College Station High School will be opening their doors to students in College Station. In 2008, James Earl Rudder High School opened its brand new facility to about 600 ninth and tenth graders and expects to have about 1,250 students in grades 9-12 enrolled by 2012. Those living in Bryan now reap the benefits of this new school.
At Stylecraft Builders, we plan and develop communities with school districts in mind, because we know this is a top priority for new homebuyers. The Sienna community in Bryan, complete with community
playground and pool, and close to shopping and local parks, makes owning a new home in this area affordable and convenient. Similarly, the Creek Meadows community right next door to the new schools in College Station offers the same benefits. Now all you need to do is choose which community is right for your family! Email us and we’ll help you find your new dream home today.
Stylecraft Builders - Central Texas' New Home Builder
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Prarthana Kashikar is a technician in biology professor Julie Oxford’s biomolecular research laboratory at Boise State University. She started the position more than two years ago after earning a master’s in biological sciences, though she also has undergraduate and graduate degrees in microbiology and chemistry from Devi Ahilya Vishwavidyalaya Indore, a university in the Madhya Pradesh State of India. In studying birth defects, arthritis and osteoporosis, Kashikar is working with everything from stem cells to zebra fish.
Audio slideshow by John Kelly.
This is My Boise State: Beth Layton
Trey Wilson San Antonio, Texas, United States Trey Wilson is an attorney practicing real estate law, water law, and construction law in San Antonio, but maintains a Texas-wide presence. Subsets of his practice include Homeowners Association litigation and evictions. Wilson is a native San Antonian and graduate of Central Catholic High School. He holds a Bachelor of Arts degree from the University of Texas at Austin, and a Juris Doctorate from St. Mary’s School of Law. Wilson was admitted to practice before all Texas Courts in 1997 and the U.S. District Courts for the Western District of Texas in 1998. Wilson’s well-earned reputation for providing the finest full-service representation to landowners, water utilities, real estate developers, builders, water rights owners, ranchers, small businesses, associations, homeowners, and aggrieved individuals is strong. He routinely prosecutes and defends a diverse selection of cases throughout the State of Texas and before administrative agencies. Wilson was recently named as one of San Antonio's Best real Estate Litigation Attorneys by Scene in SA Magazine. He is an avid outdoorsman, father of two and member of Community Bible Church. View my complete profile
State University Of New York at Stony Brook was founded in 1957 as the State University College on Long Island to educate secondary school teachers for science and mathematics. Near about 100 students enrolled at its beginning. Stony Brook University (SBU), is also known as the ‘State University of New York at Stony Brook (SUNYSB)’ situated in Stony Brook, New York (on the north side of Long Island, it is about 65 miles east of Manhattan, New York). It is a public research university. Stony Brook University is the second highest ranked between the four university centers among the State Universities of New York. It has a total enrollment of more than 22,000 students. State University Of New York at Stony Brook was ranked 136 out of 8300 universities by the London Times Higher Education Supplement.
Altogether there are 32 graduate certificate courses, 119 undergraduate degree programs, about 102 master’s programs, and 40 doctoral programs offered in the Stony Brook campus of the university. There are different options opened for students like Arts and Humanities, Culture, Leadership and Service, Human Development, Global Studies, Information and Technology Studies, and Science and Society. Scientific research can be called as a trait at Stony Brook University. Then, there is The Marine Sciences Research Center providing a high class study program in oceanographic science, meteorology and atmospheric science,
If students from economically backward families need tuition assistance, then Stony Brook University calculates the total cost of attendance, and then subtracts the expected family contribution generally based on income, number of children, etc. and determines a student’s real financial need. To pay off for that need, Stony Brook University provides plentiful of private scholarships in a range of disciplines. There are also loans and grants available for the students.
State University of New York at Stony Brook’s was a wonderful picturesque background. It has over 120 buildings on 1100 acres of the beautiful New York woodland. It also has a number of different student’s organizations, including honorary, academic, service oriented, sports and recreation, special interest, media, pre-professional organizations and ethnical organizations. The art gallery gives an unique taste of its diverse art forms by its student alumni.
As far as recreation is concerned, the annual strawberry festival wraps the Stony Brook campus in delicious strawberry, a mixture of food stuffs and humorous costumes. With a varied taste of Educational excellence and co-curricular activities, the students get to see the real phase of life thus making their future life secure with real life experiences and a highly renowned world class degree.
«It’s a difficult, challenging time for us,» said George Boggs, president and CEO of the American Association of Community Colleges. «But in the longer term view, we’ve never seen the image of community colleges as high as it is right now. Overall, I’m optimistic for the future.»No longer the afterthought of higher education, the nation’s 1,200 community, technical and junior colleges enroll more than 6 million students — almost half the nation’s college population. Public colleges’ open-door policies and low fees draw many low-income, first-generation, immigrant and Hispanic students.The economic downturn has pressured both schools and their students, most of whom work long hours. Sinking tax revenues at state and local levels have forced public colleges to cut courses or schedule them around the clock, slash summer sessions, eliminate academic programs and even restrict enrollment.In Detroit, record demand prompted the Wayne County Community College District to cap student enrollment this spring for the first time in its 40-year history. Louisiana’s community and technical colleges, facing a 4.5 percent state budget cut, have slashed 100 academic programs in the past year.A survey of 128 community college systems released last week found that 52 percent reported reductions in their operating budgets this year, a slight improvement over last year’s grim numbers. But those facing cuts face steeper ones: the number of campuses with cuts exceeding 10 percent more than doubled.The crunch leaves little money for remedial education reform, counseling to better prepare students for college’s challenges and other innovations to improve completion rates. Just 35 percent of community college entrants earn a certificate or an associate or bachelor’s degree within six years, estimates say.»You put all these factors together, it’s sort of a perfect storm,» said Michael Kirst, professor emeritus of education and business administration at Stanford University. «One would predict our graduation rates will decline, not increase, from the community colleges. We’ll move backwards.»Consider the challenges facing DeLeon, who like many community college students is trying to become the first in her family to graduate college.When she started at Folsom Lake College outside Sacramento in 2007, DeLeon had no problem finding courses. She finished school by mid-day and went to work. Then the budget crisis struck California.»Now I’m taking a class that ends at 10 o’clock at night,» she said.DeLeon commuted between two different campuses in the Los Rios Community College system — California’s second largest — to get courses she need to finish in time. She persevered: DeLeon will graduate in May and transfer to California State University, Sacramento to pursue a career in juvenile justice.The picture is even bleaker for some schools that rely on local as well as state tax dollars.Montgomery College in Maryland, renowned for its engineering program, is facing a proposed 12 percent cut in county money and $14.5 million less than it requested — the cost of operating one of its three campuses.»Everyone talks about jobs, jobs, jobs,» interim president Hercules Pinkney said. «Well, we’re the ones training the work force. Hopefully that argument will win the day.»The timing couldn’t be worse coming off a record fall enrollment of 26,000, state budget cuts and proposed tuition increases. Nursing student Brenique Lewis devised a strategy for the class crunch: she waits until just before classes start and snatches up vacancies left by students who don’t pay and get dropped.»I was lucky,» said Lewis, 19, a recent immigrant from Jamaica who works part time at a car dealership. «If tuition increases, if there are more cuts, more people are going to drop out.»Community colleges’ latest lesson in economic and political realities came last week, when President Barack Obama signed legislation overhauling the federal student loan program.The law, a centerpiece of Obama’s education agenda, strips banks of their role as middlemen in the loan business and puts the government in charge, saving an estimated $61 million over 10 years.The House version approved last fall called for community colleges to receive $10 billion to help fulfill the White House’s American Graduation Initiative, providing an infusion of federal cash for job training, building projects and initiatives to get more students out the door with degrees or certificates.But because the projected savings from axing the bank subsidies were less than anticipated, community colleges instead will only get $2 billion for job training alone.Most of the money from the overhaul will go to expand the maximum size of Pell grants for needy students, and additional money set aside for Hispanic-serving institutions also will benefit community colleges.Will Holcombe, chancellor of the Florida College System, echoed many of his colleagues by saying he’s happy to come away with something but disappointed in the scaled-down vision.»Federal money and grant money, it seems, are about the only two vehicles we have for innovation these days,» Holcombe said. «Our states are struggling to provide us with just the basic funding.»Frank Chong, the U.S. Department of Education’s deputy assistant secretary for community colleges, said the $2 billion is «something of a down payment» on the graduation initiative.»We need to use those funds to move the cause forward,» said Chong, former president of Laney College, the flagship of California’s Peralta Community College District. «We know our work is not done yet.»Given the economic climate, community colleges’ role in job development is rightly the top priority, said Jamie Merisotis, president of the Indianapolis-based Lumina Foundation for Education, one of several foundations that have invested heavily in community colleges and boosted their profile.Merisotis and others are pushing for accelerated programs to get students through community colleges faster, which would both improve graduation rates and ease space pressures. But, he said, that would require colleges to find money to realign curriculum and give stipends to students so they don’t work so much.For now, community colleges are doing what they’ve always done — more with less.One case in point is Northern Virginia Community College, the setting for Obama’s student loan bill-signing ceremony. (The White House also used the opportunity to announce that Jill Biden, the vice president’s wife and an instructor at the college, will convene a summit on community colleges this fall).The Virginia school has experienced a 23 percent cut in state funding and 24 percent enrollment growth in the past three years. Yet it has expanded online offerings to better combine e-learning with classroom instruction and used its world language program to attract international students who pay higher tuition.»A significant portion of higher education is hunkered down, trying to wait out the storm,» said college president Robert Templin. «We’ve taken the approach that while things will get better, they will never get back to the way they were. 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One more…..here is the list of non bank wholesale lenders to give you an idea of the magnitude of all of this…non bank lending.
339. Home Loan Consultants, Inc.
327. Realty Mortgage Corp.
311. Frontier Investment Co.
299. HMS Capital, Inc.
295. Coldstream Financial Svcs.
290. First Call Mortgage Co.
282. Kemper Mortgage, Inc.
281. Liberty Mortgage Funding Co.
278. Pacific Community Mortgage, Inc. – Gold Reverse, Inc.
273. Accredited Home Lenders, Lone Star Funds – Wholesale
270. Equipoint Financial Network, Inc.
262. Mortgages Ltd.
257. Vanguard Mortgage & Title, Inc.
248. Shearson Financial Network, Inc.
246. AmeriBanc Corp.
243. Diversified Mortgage, Inc.
241. Centennial Mortgage and Funding, Inc./Award Mortgage
240. Fidelity Home Mortgage Corp.
239. LMI Funding, Inc.
231. Macquarie Mortgages USA Inc.
230. Global Mortgage, Inc.
221. Beazer Mortgage Corp.
212. Countrywide Financial Corp.
206. Homefront Mortgage Inc.
204. Family First Mortgage Corp.
175. ResMAE Mortgage Corp.
168. Diablo Funding Group Inc.
164. BrooksAmerica Mortgage Corp.
153. Wells Fargo (various Correspondent and Non-prime divisions)
120. GEM Loans / Pacific American Mortgage (PAMCO)
116. Deutsche Bank Correspondent Lending Group (CLG)
108. American Home Mortgage / American Brokers Conduit
62. Home Capital, Inc.
40. Investaid Corp.
39. People’s Choice Financial Corp.
35. New Century Financial Corp.
33. Ameritrust Mortgage Company (Subprime Wholesale)
24. Lender’s Direct Capital Corporation (wholesale division)
21. American Freedom Mortgage, Inc.
Ailing/Watch List Lenders™:
16. Taylor, Bean & Whitaker Mortgage Corp. – Wholesale
15. Just Mortgage, Inc.
11. Envision Lending Group Inc.
5. American Equity Mortgage, Inc.
2. Doral Financial Corp.
Anyone need a loan? All of these choices are gone..kaput.
Source: http://curiouszone.info
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Baby Fingers, an organization in New York, offers sign language classes that teach children, teens and adults to communicate non-verbally. Their original and primary focus is to offer classes that teach sign language for babies. The company鈥檚 founder and director, Lora Heller, has long studied music therapy and deaf education. Her work has lead her to conclude that babies and young children who are able to interact with others using ASL are sometimes better able to express themselves than if using speech alone. Based on her studies and cheap mbt shoes conclusions, she developed methods for teaching sign language for babies.
The benefits of being able to communicate with young children and babies as young as six months old are extraordinary. Dr. Marilyn Daniels, author of 鈥淒ancing with Words: Signing for Hearing Children鈥檚 Literacy鈥? proposes that sign language for young children can 鈥渁ctivate formative links in the developing brain; teach phonics, vocabulary, word recognition, and comprehension; become a precursor to the recognition of print; provoke positive feedback from others; 鈥ngender feelings of self-worth; and ultimately aid reading and spelling and communicative ability in general.鈥?Such remarkable and rewarding results warrant the parental effort to learn sign language for babies.
At Baby Fingers, classes that teach sign language for babies are available for parents and children as young as one month. Classes are taught using a combination of American Sign Language, music, stories, games and dramatic play. Based on Mrs. Heller鈥檚 research and experience, classes are mbt shoes designed to increase mbt anti shoe family communication, enhance a child鈥檚 motivation to speak, improve a child鈥檚 vocabulary, literacy skills and motor coordination.
Lora Heller, MS, MT-BC, LCAT is the founder and director of Baby Fingers and is a Board Certified and Licensed Music Therapist with a Master of Science in Special Education/Deaf Education. Mrs. Heller has offered ASL and music therapy programs at St. Mary’s Hospital for Children, St. Luke’s Hospital Division of Child Psychiatry & Roosevelt Hospital Preschool, The New York School for the Deaf, and the 92nd Street Y.
For more information, or to view a class schedule, visit MyBabyFingers.
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