Eliminate Credit Card and Unsecured Debt Legally

OVERVIEW

We certainly are not condoning or encouraging anyone to carelessly ignore their just obligations by refusing to pay their debts. On the contrary, we NEVER refuse to pay an actual debt. The 13 minute overview of the process that carefully explains this can be listened to by using the player below on this page.

Many of you already are aware that the credit card companies do not lend you their own money - from their assets. They simply "monetize" your signature - converting your signature into money that just appears "out of thin air" - and then they profit by charging you interest, fees and penalties on this "credit" that has been extended to you - even though it originated from your own asset (your signature) and not from their assets. They create an entity (your spending ability) out of nothing, so they can profit by charging you for the use of this previously non-existent money. Their charging you for the use of these funds violates the usury laws of the United States, as they do not put their own assets at risk in doing so.

Generator Software's eCover Generator

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Quick Description:
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Providing a graphical representation of your digital products online is crucial to maximizing sales. The problem is, most of us are not graphic designers and even if we were, I’m sure we don’t want to spend the time continually making new eCovers.

That’s why Armand Morin's Generator Software have made it very easy for us by developing a piece of software that will create original eCovers for your eBooks or software packages.

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What I Like:
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This product offers a very cost effective alternative to hiring a graphic designer to create an eCover for you. It is extremely easy to use and creates a very professional cover with just a couple of clicks of the mouse.

You don’t have to be a professional designer or a computer whiz to use this and yet you can still create beautiful ecovers in a very short period of time.

Even if you have no design skills whatsoever, you’ll have comfort in knowing that Generator Software's eCover Generator comes complete with 44 image templates that you can modify to suit your needs (last time I checked, you could get a free upgrade to 346 templates with your purchase).

The other thing I like about this product is that they go beyond just the ordinary eCover. Built into this software are are 8 different “styles” of covers including ones for software packages, CD’s, special reports and more.

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Things To Watch For:
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Keep your designs and your brand consistent. With so many options (especially with the free upgrade to over 300+ templates) it’s easy to go crazy with all kinds of different designs. My recommendation is to select a few designs that you like and look to keep your branding consistent with all your products. It will just add that little bit of professionalism to your products.

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Conclusion:
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Armand Morin's eCover generator is a great product for anyone looking for a simple way to create eCovers. The software is very straightforward to use and within minutes you can have professional looking covers. As always, all products are backed with a rock solid 30-day money back guarantee so even if you aren’t happy you can always get your money back. Generator Software have a fantastic full-time support staff should you ever need assistance.

Order your copy today at:
Generator Software's eCover Generator

Generator Software's eBook Generator

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Quick Description
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Generator Software's eBook Generator is a very useful piece of software. The software not only walks you through the steps to creating your very own eBook, but it compiles everything for you in a very professional finished product.

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What I Like:
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This product has been at the top of it’s category for years and it’s easy to understand why. The layout and structure of this software make creating your eBook a snap. It’s great for anyone looking to create a smart and professional eBook complete with your own graphics (you can customize the whole thing). In addition, you can save your layout as “templates” so that you don’t have to start from scratch the second time around.

Features like internet linking, password protection, eBook search as well as the having the ability to add multimedia files within the eBook, offer free trials, restrict access to certain areas of the eBook and so many others make Armand Morin's eBook Generator the leader when it comes to eBook creation.

It also has an amazing security feature which virtually eliminates the chance of someone stealing your eBook as well as a full tracking system so that you can see when and how often your customers are reading your material.

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Things To Watch For:
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One thing to watch for is the format that it uses after creating your eBook. It turns your ebook into an EXE file which is harder to send through email. However, with all the additional features that are available because it is in a EXE file, Generator Software's eBook Generator becomes a no brainer. My recommendation is to simply create a download page for your customers to retrieve your eBook instead of sending the eBook through email.

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Conclusion:
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If you are looking for a way to compile your information into an eBook format then Armand Morin's Generator Software eBook Generator should be at the top of your list. Dollar for dollar, this is by far the best product on the market and the one thing that I like is they have a full-time support staff. So if you have questions, you can always get answers.

For more information on this product check out:
Generator Software's eBook Generator

Quick trivia question for you...

What sales tool has been around for over 75+
years and has been responsible for billions
of dollars in sales?

Here's a hint...

It was originally used in offline direct
response marketing but now is also being
widely used online?

Have you guessed it yet?

It's called a...

.
.
.
.
.
.
.
.

Salesletter!

A well written salesletter can be one of the
most powerful weapons in any marketers
arsenal.

However, did you catch the key word in that
last sentence?

Not just any salesletter but a "well written"
salesletter.

Those two words are the reason top
copywriters earn between $10,000 - $50,000
for every salesletter they write.

Unfortunately, most of us aren't in a
position to pay that kind of money...
especially for every one of our projects.

But when you are writing it yourself, where
do you even begin?

That's the same question so many marketers
have faced... especially when starring at
that blank white page or blank screen!

Fortunately, I've found one tool that will
really help you get started.

The great thing about this tool is it
eliminates a lot of the guesswork of what is
needed in a powerful salesletter.

It walks you through every step and makes
writing super easy.

Who would have thought... writing made easy!

Now this next sentence may sound like an
exaggeration but I assure it's not...

Generator Salesletter Software is so simple, you just
basically fill in a few blanks, press the
button that says "Generate Sales Letter" and
it automatically creates and formats
everything for you.

Yup, it even formats the whole thing for you
so if you are selling the product online, the
web page is already created for you!

Generator Software's Sales Letter Generator

There are a lot of other powerful features
and I recommend you take a closer look.

The bottom line is this...

There is an enormous amount of evidence that
clearly shows well written salesletters work.

So why wouldn't you want to give your
products the best chance of selling?

Sounds silly doesn't it?

Unfortunately most marketers continue to sit
idle in front of their blank computer screens
"hoping" that their powerful copy will just
come to them.

Save yourself the hassle and do it the easy
way... trust me, you'll thank me afterwards.

Enjoy!

I forgot to mention that this tools also
comes with 7 Audio Training sessions that
guide you through how to write powerful copy.

All the details can be found here:
Generator Software's Sales Letter Generator

Generator Software's Pop Over Generator

Generator Software's Pop Over Generator

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Quick Description:
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Getting the attention of people visiting your website is getting harder and harder – especially if you are trying to direct their attention to something specific. Generator Software's Pop Over Generator solves that problem for you with it’s advanced pop over technology.

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What I Like:
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Traditional “pop up” software can be effective for creating the old style of pop ups but the problem lies in the fact that most browsers come equipped with pop up blockers which means these pop ups are essentially useless.

That’s why Generator Software's Pop Over Generator is a wonderful alternative because it won’t get blocked by most of the pop up blockers. That means your marketing messages get through to your intended audience!

Using the program is fairly straightforward as you simply follow the steps within the program in order to select the options you prefer.

You can embed images, text, audio, video and/or a combination of them all which gives you the ability to customize your message exactly how you want.

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Things To Watch For:
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As with anything, it’s important to match your pop over message to your branding so that the website visitor feels comfortable when the pop over occurrs.

If you decide to use audio or video in your message then it’s advised that you have a ½ -1 second delay before the audio actually begins. This will give your user the chance to adjust any volume levels from an unexpected message.

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Conclusion:
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If you are looking to utilize the “pop up” in your marketing then there is nothing better than Armand Morin's Generator Software Pop Over Generator. With it’s ability to get past the pop up blockers it clearly becomes the top choice for any serious online marketer.

It’s easy to use and as with all products is backed by top notch customer service and support.

For more information on this product check out:
Generator Software's Pop Over Generator

Generator Software's Header Generator

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Quick Description:
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Generator Software's Header Generator is a very useful point-and-click software program designed to create header graphics for your websites.

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What I Like:
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It’s been proven that well designed header graphics draw attention and can boost your website conversion ratios up to 30%.

The problem is most people are not graphic designers so it can get expensive to create these type of graphics every time you create a new website.

Generator Software's Header Generator eliminates this problem making it a very cost effective alternative to hiring a graphic designer.

Since the software program has been built for people with very little technical or design skills, it is impressive just how quick it can be to create a header that matches the layout and design of the rest of your salesletter.

With this program there are no restrictions as to the number of header graphics you can create and with over 300+ templates included in the package, it’s very easy to get started.

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Things To Watch For:
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Keep your designs consistent!

One of the benefits of Generator Software's Header Generator is that it gives you the ability to create a consistent look and feel for all of your websites. It helps you establish your brand and build a more professional prescense on the web. Keep it that way by maintaining some consistency between your header graphics.

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Conclusion:
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If you are tired of paying graphic designers to create simple graphics for you then you’ll want to get yourself a copy of this software. Last time I checked, it also came with lifetime updates and was backed by a 100% 30-Day money back guarantee. When you add those two benefits along with the tremendous support that always comes Armand Morin's Generator Software products, this becomes a no brainer.

Claim your copy here:
Generator Software's Header Generator

Generator Software's PDF Generator

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Quick Description:
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Generator Software's Instant PDF Generator is a piece of software which creates PDF files compatible with Adobe Acrobat and other third party PDF tools. The major difference between this products and many of it’s competitiors is it’s reasonable price and ease of use.

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What I Like:
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The price is the first item that jumps out primarily because many other alternatives (especially Adobe Acrobat) can run upwards of $200+. This however is much more reasonable and yet produces the exact same outcome.

Secondly, the simplicity of this software makes it extremely easy to start using without having to know any other skill sets other than sending something to print.

Once installed, it uses a 4-step process similar to how you would print a regular document. With PDF becoming the standard in electronic distribution, Generator Software's Instant PDF Generator makes it very easy to get started.

Also, the “email function” is extremely handy if you are looking to email someone a PDF document that you are working from. You don’t even have to login to your email client and you can do it straight from the software application.

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Things To Watch For:
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Since Generator Software's Instant PDF Generator uses the print functionality to produce the PDF documents it’s crucial that it be compatible with many other desktop applications. With that said, last time I checked Instant PDF Generator also came with lifetime updates so your assurred to have the latest version available to you when after you purchase.

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Conclusion:
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It always produce high quality products and Generator Software's Instant PDF Generator falls into that category. With it’s simple user interface it makes it very simple for someone to create a PDF document from virtually any application where you would be able to print.

When you add all these features along with Generator Software's full-time support staff we have made available for you, Generator Software's Instant PDF Generator becomes an incredibly cost effective alternative to purchasing Adobe Acrobat helping you create your PDF documents quickly and easily.

For more information on this product check out
Generator Software's PDF Generator

What makes people buy?

It's an interesting question but just imagine
if you had the answers.

How would you market differently?

For starters, you'd save a lot of money
because you'd know exactly where to spend
your advertising dollars.

It instantly puts remarkable power into all
of your marketing communications to inspire
and convince your prospects and customers to
purchase ANY product or service you sell, at
anytime... and as often as you want

There are two words that describe what we are
talking about:

** Psychological Tactics **

Two of the world's top online marketers
narrowed down the list to the Top 21
Psychological Triggers that make people
want to buy.

It's a fascinating analysis of over 89 case
studies of these powerful tactics in action.

You can read all the details here:

What makes people buy?

Enjoy!

Click on the link below and you’ll learn
how to squeeze more cash-profits out of the
customers you attract during any economic
downswing, meltdown, or recession... even if
you're on a shoestring budget!

What makes people buy?

Quick Trivia Question For You...

What's the number one ingredient to a
successful online business?

Did you guess?

Here's the answer...

Traffic!

Without traffic to a website it's impossible
to sell any kind of products.

You absolutely need traffic and more
importantly, a steady stream of traffic.

Here's the downside...

Getting traffic isn't always easy.

In fact, with the number of new entrepreneurs
jumping on the web these days, Pay Per Click
traffic is getting more and more expensive.

So what's the next best solution?

Ideally we'd all love to get natural high
rankings for our top keywords in the search
engines.

The problem is, it hasn't always been so
easy.

Optimizing a website for natural search
engine rankings has always been a cat and
mouse game between the top search engines and
the people so desperately seeking those top
rankings.

Let's face it, the websites listed on the
first page of the search results will get far
more traffic than the websites listed on the
second, third or fourth pages.

Now if this is sounding like a daunting task
then let me turn it around for you...

I recently came across a tool that helps
create optimized pages for your keywords.

That means these pages are exactly what the
search engines are looking for!

The best part is, this tool has been proven
to help regular people get top search engine
rankings within a matter of days.

Yes I said days!

Can you imagine jumping to the number two
listed site for your top keyword within just
a few days?

What would that traffic do for your business?

That's why I got so excited when I found it.

By simply following the steps within Generator
Software's program, you can create your own
"smart page" that the search engines LOVE!

These smart pages are the keys to the high
rankings I was referring to earlier.

I highly recommend you take a look:
Click Here...

Save yourself the frustration of trying to
figure out what the search engines want and
let this software do it for you.

You'll thank me later :)

Enjoy!

Last time I checked, they also had some
dynamite keyword tools that were included as
bonuses. Take a look here:

Click Here...

Generator Software's Focus Generator

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Quick Description:
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Generator Software's Focus Generator is a really neat (and new) technology which will allow you to present an attention getting marketing message on your website without getting blocked by popup blockers.

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What I Like:
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The simplicity of this software is ultimately what makes it extremely attractive for anyone marketing online. Within minutes you can be creating these cutting edge popups and have them running on your website (incidentally they don’t look like standard popups at all – they are much more modern). The visual effects created by this product really draw your eye to the message without it looking cheesy or unprofessional.

Even for someone without any technical experience, the process is very simple as the software walks you through each step.

Once you start using this software it’s inevitable that you’ll start to get a wide variety of ideas on how to use it beyond the traditional “sign up for my newsletter” alternative that most use it for. It’s capable of being used for things like upsells, cross sells, important reminders, contest announcements, affiliate promotions, and so much more.

Unlike some other alternatives, once you buy this piece of software, there are no further costs. The good news is Generator Software's Focus Generator is a one-time investment instead of a monthly reoccurring fee.

With so many different options to choose from (there are over 55 templates to use) it’s very easy to create a look and feel to match your website.

The last feature worth noting is the way this message gets added to your website. With traditional “pop up” type software, you have to manually insert the code into your website. This can get tricky for anyone who’s not technical.

The Generator Software team eliminated this problem by giving you the option of having the software “auto insert” the code for you! Now you don’t have to worry about any of that technical stuff because it’s all handled for you.

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Things To Watch For:
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This may sound like common sense but if you decide to use Generator Software's Focus Generator to create time sensitive marketing messages then you’ll have to remind yourself to remove the message after it expires. Otherwise the message will continue to display even after your promotion is over.

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Conclusion:
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Generator Software's Focus Generator is definitely a marketing weapons that you’ll want in your arsenal. It’s slick, professional and very effective. In addtion, you’ll be able to instantly download the software after your purchase so you can have this running on your site within minutes.

Get your copy today by going to:
Generator Software's Generator Software's Focus Generator

Secret Software Tool Let's Any Average Joe Gain an Unfair Advantage Over Competition!

Start using it in the next 5 minutes and you will be undeniably HOOKED FOR LIFE!

Order in the next 24 hours and receive MASTER RESELL RIGHTS!

I first checked it and it was only mere ranking of 51!

Once I knew of this valuable and priceless information, I was able to make some strategic modifications to my website and increased it to almost 14,000 in only a few short months! You are probably wondering what the heck I am talking about, right?

I am talking about my website's "link popularity".

Unless, you have been in hibernation or maybe not in the know, you should have heard about "link popularity and should be vary aware of what it means to YOU!

What is "link popularity"?

Very simply...Link Popularity is the total number of websites that have a link to your site. The more sites linking back to you, the better your link popularity is. The higher number the better!

Link popularity is a term you need to get to know. Most major search engines don't rely on Meta-Tags anymore and base your search listings based upon your "link popularity.

Now you can right from your very own Desktop.

Check your website's link popularity right from your very own desktop, with Generator Software's LinkCheck Generator!


Don't you think you should know what yours is?

Don't you think you should know what your competitor's is?

Generator Software's LinkCheck Generator

Now you can right from your very own Desktop.

Check your website's link popularity right from your very own desktop, with Generator Software's new LinkCheck Generator!

Generator Software's FlashPal Generator

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Quick Description:
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Generator Software's FlashPal Generator is designed to protect you and your digital products from fraud and theft when using PayPal as your method of collecting sales.

Very few people realize that hackers have been enjoying a “backdoor” way of getting access to paid products from anyone using PayPal as their merchant provider. FlashPal Generator stops that from happening.

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What I Like:
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This software is surprisingly simple to use. There are no complicated scripts to install or tricky adjustments you need to make to your server or PayPal account. It’s a step-by-step, point and click process that instantly turns out encoded PayPal buttons for you to use on your website.

In addition, Generator Software's FlashPal Generator gives you a lot of variety by providing 8 different options for these buttons. It also comes complete with a comprehensive video tutorial showing you exactly how to use the software. If you still have questions after watching the video, they also have a full-time support staff ready to help.

Last time I checked Generator Software was also offering free lifetime upgrades on this product which guarantees you’ll always have the latest version should there be any updates from PayPal.

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Things To Watch For:
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Since the buttons generated by Generator Software's FlashPal look almost identical to the original PayPal buttons, it’s very easy to mistake them. My recommendation is to always make sure you encode your buttons before adding them to your website and that will help prevent you from forgetting to switch the protected FlashPal buttons with the unprotected originals.

Generator Software's FlashPal Generator

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Conclusion:
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If you are selling products online using PayPal then you absolutely must get this product otherwise you are probably losing money to people hacking into your download pages. Armand Morin's product is very affordable (especially when you consider the money it will save you) and it’s very easy to use. With the video tutorials and support desk, getting started is a snap so there will never be anything holding you back.

Get your copy here:
Generator Software's FlashPal Generator

If you've ever tried Pay Per Click (PPC) advertising, then you know this to be true...

The more targeted your keywords, the better
the result.

For example, when you are first creating your
keyword list, you want the list to be as big
as possible. It's important to think like
your customer.

What terms would your customers use to
describe your products or services?

Once you've generated some appropriate
keywords, you then want to get a little
creative by expanding your list to include as
many relevant variations as possible.

Things like alternate spellings (e.g. light,
lite), plurals, and synonyms are all examples
of strategies to expand your keyword list.

Then you want to "scrub" your keyword list
and get rid of any terms that maybe too
generic. Basically you want to get rid of
keywords that are going to bring you
untargeted traffic.

Here's an example...

If we were advertising Harley Davidson parts,
the keyword "bike" would also bring in
searches for bicycles. Obviously that's
useless to us which is why you'll want to get
rid of these generic terms.

There's no sense in paying for keywords that
won't convert into sales!

Once you've scrubbed your list, the third
step is to target your keywords by adding some
matching options.

Using phrase, exact, or negative matches can
help you keep your costs low.

Here's what I mean...

Phrase Match - If you enter your keyword in
quotation marks, as in "tennis shoes," your
ad will appear when a user searches on the
phrase tennis shoes, in this order, and
possibly with other terms in the query. For
example, your ad will appear for the query
red tennis shoes but not for the phrase
"shoes for tennis". Phrase matching is more
targeted than broad matching, but slightly
more flexible than exact matching.

Exact Match - If you surround your keywords
in brackets-such as [tennis shoes]-your ads
will appear when users search for the
specific phrase "tennis shoes", in this
order, and without any other terms in the
query.

For example, your ad won't show for the query
red tennis shoes. Exact matching is the most
targeted option.

Negative Keyword - If your keyword is tennis
shoes and you make it a negative keyword by
adding a minus sign such as "-red", your ad
will not appear when a user searches on "red
tennis shoes". It allows you to eliminate
unwanted keywords.

By applying more focused matching options to
your keywords, you can reach the most
appropriate prospects, reduce your cost-per-
click (CPC), and increase your ROI.

With that in mind, there is also one
extremely powerful piece of software that top
marketers have been desperately trying to
keep under the radar.

It gives you the ability to take one keyword
and turn it into over 65,000 in less than 10
seconds.

Here's the best part...

They are ALL ultra targeted!

Furthermore, you can also use the same
strategies we talked about above with the
phrase, exact and negative keyword matching.
It really gives you tremendous power with
your PPC advertising.

It's called Generator Software's GeoKeyword Generator.

If you are serious about advertising your
products and services online, it really is a
must have tool.

There are a lot of other powerful features
and I recommend you take a look.

Generator Software's GeoKeyword Generator.

Enjoy!

I don't think I mentioned that you can
not only target country and states or
provinces but also things like cities, towns,
populations and so much more. It even
generates the list of cities and states
(including abbreviations) for you so you
don't have to know any of these ahead of
time!

Generator Software's GeoKeyword Generator.

Join Armand Morin and Generator Software's Affiliate Program

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Quick Description
************************************
Armand Morin and Generator Software has one of the longest standing affiliate programs on the web and with best selling products that have stood the test of time, it looks to be one of the premiere affiliate programs to join.

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What I Like
************************************
First and foremost, Generator Software's affiliate program is managed which makes a major difference. That means if you have questions, there is someone there to answer them.

The commissions are great and what's even better is the
retention. They have such a low refund and on average, when a customer buys a product from here for the first time, that same customer will typically purchase 2-3 more within the next 4 months - all of which you receive back end commissions on!

They also provide weekly training covering a wide range of topics such as generating traffic, PPC marketing, building your list, designing review sites as well as some fundamentals like the basics of building a good affiliate business.

The other major piece worth noting is the fact that it’s a 2-tier affiliate program. That means it’s possible to generate a residual income from people you refer to the affiliate program who then make sales.

Finally, if you like the software products then it’s worth being an affiliate as they provide insights and advanced notice on all new products and releases.

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Things To Watch For
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As with any affiliate program, you still need to take
action!

Although Armand Morin's Generator Software team provides lots of
prewritten emails, templates and tools (and they add new material all the time), it’s still worth noting that you won’t generate any sales unless you actually use their information.

Furthermore, it’s probably in your best interest to use the pre-written material as a guideline and then tweak it to fit your own personality or writing style.

The last thing to watch for are their rules and regulations.

You can NOT purchase their products through your own
affiliate link and it’s important to know that otherwise you could be removed from the affiliate program.

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Conclusion
************************************
Generator Software's affiliate program is definitely one of the best programs to join online and it’s stood the test of time.

With 11+ years under Armand Morin and Generator Software's belt, it continues to grow and prove why they are one of the most recognized brands for online entrepreneurs. Armand Morin's products are rock solid and they sell well which are all good signs for affiliates.

For more information on this program go to:
Join Now!

If you sell or deliver digital products, you'll want to read this very carefully.

The other day I was shocked...

$39 billion dollars.

Yes BILLION!

That's the amount that is being lost to
people illegally passing around software and
digital products.

I know what you're probably thinking...

That's probably people stealing from big
companies like Microsoft or Apple, right?

Yes and no.

There are a lot of people who buy a copy of
their software, and then they pass it around
to all their friends and family to install on
their computers.

That does happen, but digital piracy goes WAY
beyond that one example.

In fact, it has become a major problem for
anyone delivering any kind of digital
information such as:

> eBooks
> Videos
> Word Documents
> PDF Files
> MP3's

...and so much more!

That got me thinking...

Is my business susceptible to this kind of
thing as well?

That's when I experienced this ache in the
bottom of my stomach.

In this same article, the author showed a
simple chart outlining the lost sales of a
$97 product over the course of a year.

The amount was staggering...

Over $50,149!

Now I will say this...

The author did assume a couple of variables
for that example but still...

What if it was only half that at $25,000?

...or...

A quarter of that at $12,500?

That's a lot of money being stolen from your
business!

So what can a small business owner do to
protect themselves?

My research led me to this: Generator Software's Padlock Generator

Protect Yourself Now

It's one of the most advanced solutions for
protecting your products and digital files
from people illegally passing them around.

...PLUS...

Generator Software's Padlock Generator is easy
to use, very affordable, and gives
you full control over who has access to your
products.

Now you can finally stop those digital
thieves from stealing your products.

The other major plus is you can also prevent
people who have asked for a refund from ever
using your products!

The power is finally back in your hands (and
it should be since these are your products).

If your business involves selling or
delivering any type of digital product I
suggest you take a close look at this...
it could save you thousands over
the course of the next year.

You'll thank me later :)

Enjoy!

It is also fully guaranteed
for the first 30 days so you have nothing to
lose and everything to gain.

Generator Software's Padlock Generator - Protect Yourself Now

Earning $1000-$3000 A Day Is Easy When You Know How

With this brand new marketing system, even beginners are successful.

People who have never made money on the internet are making thousands of dollars using our secret marketing weapon!

This is Not Jag, Coastal, GRN, LLI, Emerald or some lotion, potion, pill
or miracle formula... keep reading to see why...

Do you want to join a Top Income Earner, who can show you step by step, how to use this system to earn $1000 to $3000 a day?

Do you want to be trained and mentored by a Top Income Earner who is producing many of today's top internet marketing experts?

Stop doing what your doing. Join me now and you could have your first $997 payment in less than 3 days!

Plus, you'll have access to my one of a kind marketing system that that has step-by-step audios and videos to guide you through the entire process and can generate massive income that is paid daily!

Helping Your Clients - CLICK HERE

Your client wants to purchase a business opportunity/commercial building you have listed. He needs $30,000 for the down payment and $25,000 for working capital.

During the pre-qualifying interview, you learn that your client is holding a $125,000 note, secured by a commercial building that he sold along with his auto body business. The note is earning a 10% interest rate payable over 30 years. Although the buyer came in with $50,000 cash, that amount only covered the purchase of the trade fixtures and the business. There was no equity applied toward the building purchase.

Further, his business has been doing well and he has made timely payments ($1,097 per month) for three years now. Today, the remaining balance on the note is $122,690, or 98% Loan-to-Value (LTV). In testing the waters, you learn that $91,832 would be the approximate sales price for your client's note, a discount of $30,858!

High Loan-to-Value

However, because of the high LTV of 98%, the most your client will be able to sell his note for now is $81,250, which is an Investment-to-Value of 65% (ITV). That's an additional $10,600 discount, or a total loss of $41,458. Whew!

Your client does not like the sound of that. He only needs $55,000 for his business opportunity and he was counting on some of the monthly note payments to help pay some of his daughter's college expenses.

Your local note broker suggests a partial purchase arrangement. By selling half of each monthly payment for the next 50 months, your client can get $20,000 cash today. That would leave him with a monthly note income of $547 to help with those college expenses. To get the remaining $35,000 your client needs, your local note broker would sell another 131 full payments, which the investor would begin to receive 50 months from now.

The Solution

From an investor's standpoint, he put up $57,500 ($2,500 to cover the note broker's fee), representing only 46% ITV. Because of the equity cushion and payment history, he accepts a lower return than he would otherwise.

By buying only a part of this note, the investor enjoys a 13% yield on a well-secured 15-year investment. In working the numbers, you show that your client receives the $55,000 he needs right now, plus a $547 monthly income ($27,350 total) for the next 4.17 years, to cover his daughter's college years. He also holds an interest in the note, which will have a balance of $91,460 when he starts receiving the monthly payments again in 15 years.

The three above figures represent $173,810 in cash benefits to your client. Even though your client fully understands the time-value-of-money, the realization that he is receiving $48,810 more than he sold the building for (not counting the $39,490 in monthly payments he has already received) sure sounds a whole lot better than selling the note outright!

No Additional Debt

Another benefit is that your client has avoided taking on any additional debt obligations that would have occurred had he borrowed the money from the bank. In addition, he still has a large asset (the remaining interest in the note, plus the partial monthly income) listed on his balance sheet. This leaves his financial statement much stronger should he have some long-term borrowing needs down the road.

Your client achieves his objectives, you close a sale, and you have created the potential for more business -- both with your client and his referrals!

15% Or More On Your Own Investments

Investing in real estate notes is one of the most profitable and safe investment vehicles that exists. It provides high returns, monthly income and the security and safety of real estate.

If you are interested in being an investor and would like me to contact you with notes that meet your requirements, email me info@oakcreekinvestments.com.

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Get cash now and forget those monthly payments FOREVER! Our investors are ready to pay top dollar for your notes. If you have a trust deed, a mortgage note or one of 48 other cash flows, it's time to find out exactly how much CASH you could be entitled to.

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Our secure network is set up to give you the cash you need... when you need it. There has never been an easier or faster way to cash out of your investment. Whether you need money to pay bills... to buy a home... to fund an education... or even if you just need some spending cash... We'll show you the money!

Foreclosures, Rehabbing, Lease/Option, Land Development

Foreclosures
You have Rights &
you need to Know Your Rights!

Here's what we're offering the Homeowner:

a Restructure Your Mortgage
a Reduce or Delay Payments
a Offset Arrearages & Penalties
a Sell or Buy Your Home
a Avoid Foreclosure Notation on Your Credit Report
a Avoid Public Foreclosure Proceedings
a Help You Find a Place to Live if Necessary
a Help You Re-enter the Housing Market As Soon As Possible

Email us: foreclosurehelp@oakcreekinvestments.com

Rehabbing
Locating, evaluating, and negotiating for properties in any area. To improve our neighborhoods by quickly turning "ugly house" investments into either a rentable or saleable house.

Lease Options
Creating win/win solutions for all involved with a delayed closing.

Many people need to move or sell now and do not have enough equity or time to sell by owner or to list the property with a realtor.

Other people have had rough pasts with credit challenges or available cash and are on the right track to a better life and just need a little bit of help.

Land Investment and Development
Powerful step-by-step system for developing vacant land.
Strategies that will give immediate solutions for platting, permitting, zoning, developing and selling land developments.
Systematic approach to find, create value from, and profit for all involved from land development.

Oak Creek Investments - Click Here

Oak Creek Investments is a Real Estate Solutions Provider specializes in selling and buying real estate notes and paper and business notes and paper. They also specializes in foreclosures, lease options and land development.