How to Get Started in Real Estate Investing Without Cash

So you want to get involved in real estate investing, but you just don’t have any extra money to get started? This is a common situation, but what most people don’t realize, is that you may already have enough resources to get started. If you own your own home, you can leverage this asset and be well on your way in no time.

Unless you purchased your home with an interest-only loan, you are building equity each time you make a mortgage payment. To figure out how much equity you have in your home, subtract the balance on your mortgage, from the value of your home. If you have any other loans attached to your home, or other liabilities, subtract them as well. Most people are surprised to learn how much equity they actually have. In many cases, it’s more than enough for a down payment and improvements on your investment property.

There are several ways to use the equity in your home to raise cash for real estate investing. Here are the basics:

1. Refinance Your House. You can refinance your home in order to get an improved interest rate, but you can also get a cash-out refinance mortgage, and use the cash to purchase an investment property, or you should have least enough for a down payment. Your current lender may have rules about cash-out refinancing, so check with your mortgage advisor before you begin the process. Keep in mind, a cash-out refinance mortgage can have higher interest rates than other mortgages.

2. Take Out a Home Equity Loan. A home equity loan is a loan using the equity in your home as collateral, and is separate from your mortgage. The amount is of the loan is based on a percentage of the equity in your home, you may be able to borrow 90% or more of your homes value; less if you are taking out a home equity loan on a second property that you do not occupy. The advantages of a home equity loan the option to pay the loan back early without penalty, and you may choose to pay off those high interest credit cards.

3. Open a Home Equity Line of Credit. A home equity line of credit has a credit limit just like a credit card. Like a home equity loan, the amount of the limit is based on your credit worthiness and the equity in your home. You can transfer funds from your home equity line of credit, or even write checks directly from the account. Interest rates are generally lower than cash-out refinance mortgages, and there are tax advantages as well. Another advantage is you are only paying interest and making payments on the amount you owe, not the entire amount of the loan. You may also be able to renegotiate in the future for a higher credit line when the equity in your home increases, especially if you have made above-minimum payments on timely basis, or home improvements.

Investing in real estate is not only for the rich; the average homeowner can become a real estate investor even without a lot of money in your bank account. You can use cash-out refinance mortgages, home equity loans, and home equity lines of credit to purchase your first investment property, and many more properties to come.

About the Author

Kevin Kiene is founder of ezLandlordForms.com, a state-of-the-art website dedicated to to providing landlords a complete library of documents for effective property management. Our Lease builder wizard with state assist helps landlords to create a state specific Lease Agreement in minutes. We also offer free articles, landlords question and answers and free landlord forms

Real Estate Investing For Your Future

Everyone wants to be rich, right? Well, actually, everyone says they want to be rich. But few people want to actually take responsibility for taking control of their future. And that’s what you have to do in order to get rich: Take control.

Easier said than done, right? Not really. There is so much literature on the bookshelves about how to do it, anyone can learn how. And that is the key. You have to learn. You have to educate yourself. If you think that there is simply too much material out there and you wouldn’t know where to start, then you can stop worrying, because you’re already making yourself financially smarter. Simply by visiting this site and reading these articles, you are giving yourself an important education that will give you the tools to take control of your financial future. You are one step closer to being rich.

Not only are you one step closer to being rich, but I am going to tell you what you would learn if you were to read every single book in the financial section of the book store. It’s not about complex accounting principles or Wall Street magic. You can hire professionals to take care of those kinds of details for you. What you will gain from truly learning how to get rich is this: You have to change your thinking habits.

That’s it. The fact of the matter is, you only have to get out of the habit of thinking like an employee and start thinking like an investor.

I’ll give you a moment to digest that one. It’s such a simple concept, it can take you by surprise. But it’s true. Just think about the kinds of conversations you and your fellow employees tend to have when you’re talking about your jobs: ?If only the boss would let me do this.? Or how about, ?I can’t do that?I’d lose my 401K!? The employee mindset is a fearful one, dependent on the system to take care of them. Oh sure, they put in the hours so they can have a roof over their head. And that’s exactly what they get?a roof over their head. Maybe a two-week vacation once a year if they’re lucky.

If you want more than that?to be rich, for example?you have to start thinking like the people who control the money. Think like the people who work smart, not hard. With a little thought, you can figure out how to make your money work for you.

Now, who are the people who work like that, who actually control the flow of money in our economy? You might be tempted to say ?corporations,? and you would be right to an extent. But corporations are not people: They are financial entities. Think about the people behind the entities and you are on the right track.

That’s right?the businesspeople. But they are only near the top of the food chain. If you go to the very top, what you find is…investors.

Investors are at the top of the food chain because they know how to make their money work for them, instead of slaving for their money. And they are laughing all the way to the bank because they know what a simple concept it is. They know that anyone could do it. And they know that most people won’t because they are stuck thinking like employees. The sad thing for most people is that they will never break that habit. You don’t have to be one of them.

All you have to do to become one of the big fish is invest. It’s that simple. Investing in real estate is a good bet because it’s a stable investment. It’s so stable, in fact, that the bank will actually lend you money to purchase it. No kidding.

That’s the long and short of what you will learn if you read every book available to you on how to start thinking rich and stop thinking secure. They will tell you how easy it is. They will tell you to change your thinking. And they will tell you to let the experts deal with the details.

About the Author:

Alex Anderson Connects Investors With Florida Investment Properties and Minnesota Real Estate Investment Property in Appreciating Markets.

Single Moms & Home Business Ownership: A Reality Or A Fantasy?

Can a single mother start a home-based business?

Can she make enough money to support her herself and her children?

How difficult is running a home-based business when no spouse is available to help with the childcare or contribute financially?

Women-Owned Home-Based Businesses

After researching and writing about home-based business issues for a while, it seemed that most women-owned home-based businesses involved a husband or significant other in the home. The significant other may help take care of the children after work so that the woman can have a chunk of uninterrupted time to work at her business. In addition, the family is not solely dependent on her business for its survival, since someone in the household has a steady income.

Of course, these women still face—and struggle with—issues facing all home-based business owners, such as financing, marketing, growing their business, customer service problems, as well as personal issues such as isolation and fear. On top of these issues, stay-at-home women with home-based businesses usually must also deal with their “mom” responsibilities, such as laundry, meals, housecleaning, transporting school-age children, baby care, grocery shopping, etc., AND still find time to bathe, sleep, eat, and take care of her business. The amazing fact is that most women home-business owners do all of these things on a daily basis.

The Single Mother

But what about the single mother? Whether divorced, widowed, or never married, she has no one to relieve her of child care for a period of time her so she can sit down and take care of her business. She is the sole source of support for her family. That fact puts her in a “Catch-22″ situation: If she works at her home-based business full-time, it must quickly bring in enough money for food, clothing, and shelter. If she works outside the home to ensure a steady income and runs her business part-time, that leaves little time for her children and for her “mom” responsibilities and an ever-increasing amount of guilt feelings.

I began searching for information about single mother home-based business ownership. My goals were to determine whether or not single mothers could and did own and operate successful home-based businesses. If they did, I wanted information about how they managed to balance children, business, and personal issues by themselves. Furthermore, I wanted to know the WHY—why they took the risk and made the leap to home business ownership.

All Around, But Never There

I expected to readily find information on the Internet about single mothers who own home-based businesses; the particular issues facing them; as well as demographics and other statistics. To my surprise, such information was not readily available.

I found much information and many Websites about work-at-home

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Click Here! TO ENJOY A LUCRATIVE TAX FREE INCOME My mother was a widow and she survived with the help of the earning power of the internet

About the Author

hafiz lecky is an oracle certified associates currently running a home based internet business http://moreinfo247.com/8723322/free , http://webmillionaire.blogspot.com , http://ld.net?lecky

Real Estate Investing - Are You Landlord Or Investor?

When I first started buying real estate, I made a conscious decision to avoid rentals because I had no interest in being a landlord. Like you, I heard all the horror stories of nightmare tenants, late night plumbing problems, lead paint hassles, and evictions. I wasn’t interested in putting a lot of time and effort into screening tenants, dealing with vacancy and repair, and going to court.

In fact, the very first book I bought on real estate was Lonnie Scruggs’ Deals On Wheels, a brilliant treatment of mobile home investing, and a more dedicated "anti-landlord" than Lonnie has never been born. The entire concept of buying and selling mobile homes, as developed by Lonnie, evolved as an answer to his "tired landlord" syndrome.

After reading Lonnie’s book, and others like it, my mind was more set than ever- I would never buy rental property. I would never have a tenant. I would NEVER, EVER be a landlord.

My how times change. Based on the knowledge I have gathered over the last several years as a real estate investor, and conversations with hundreds of experienced investors, I now know that it’s not what you do, but how you do it, that determines the level of frustration you experience with ANY type of investing, rental or otherwise.

In short, it’s the position you choose.

Choose A Position Of Strength

You can be a landlord if you want. I choose to be an investor.

Landlords do many things that investors don’t, unless they choose to. Let’s compare:

Landlords put up "For Rent" signs, place newspaper ads, and hold open houses and showings. Landlords deal face to face with tenants, screen them, and do background checks. Landlords tell tenants they’re approved (or not), explain the rules to tenants, and sign leases with them. Landlords collect deposits and rents.

Investors hire professional property managers.

Landlords take tenant phone calls when there are problems, no matter what time it is. Landlords tell tenants their rent is late, assess late charges, and enforce rules. Landlords apologize to neighbors for unruly tenants, cut grass, and plow snow. Landlords fix appliances and leaking toilets.

Investors hire professional property managers.

Landlords apologize to tenants for problems, fill vacancies, and inform tenants they are not getting their deposit back because of damage done. Landlords evict tenants and go to court with them. Landlords do many, many other things I don’t want to do.

What about investors? Let’s see.

Investors hire a professional property manager to handle all of the things that landlords do themselves. Which is easier, more cost effective, and a more efficient use of your limited time? If you answered, "Hiring a professional property manager," you’re right!

A quality property manager is worth every dollar you pay them. They will make sure that your units are rented to the right tenants, that the property is well cared for, and the tenants are happy. They will fill vacancies and answer trouble calls. They will deal with repairs and evictions. They will handle the bookkeeping, collection of rents, and assessing of late charges. They will form a buffer between you and the headaches of running a rental property. They are experts at all of these things, and much more.

You will get a check at the end of each month.

Get the picture?

It seems so simple, right? Why does it take some investors, including me, so long to see the difference?

Change The Way You See Yourself

It’s all in how you view yourself. When you see yourself as a landlord, you fail to recognize that your time is better spent doing what puts money in your bank account- namely, finding and acquiring property that meets your investing criteria. Unless you are a plumber by trade, or a professional property manager, or landscaper, wouldn’t your time be better spent doing what you have learned to do so well- investing in real estate?

Does that mean that if property management is something you love to do, something you aspire to, you shouldn’t do it? Of course not. If you have a passion for managing your own properties, and you like the idea of being a landlord (with all that entails), by all means go for it. I’m not trying to change what you love- I want you to see that you have a choice.

Maybe you’re like me. I had to teach myself to think differently about who I am- to think like an investor, not a landlord. When you begin to think like an investor, you start approaching real estate like a business rather than a hobby. You realize that you don’t have to do everything yourself just to save money. You come to understand that doing everything yourself is most likely costing you money- maybe a ton of money.

To repeat, the two keys are:

1. Learn to see yourself as an investor.

2. Learn to think like an investor.

Are your strengths really in the areas of landlording I listed above? If so, fine. Keep doing what you’re doing. But if, as I imagine, you are better suited to finding deals and bringing them to the closing table, then hire a pro to manage the properties you decide to hold and rent. Play to your strengths- you will multiply your time and your business will grow like a thoroughbred racehorse bursting from the gate.

Now, go make more offers!

Real Estate Investing Seminars

When you look around, it’s amazing how many people are putting some of their extra cash into a real estate investment. Is it just that as the baby boomers get older, more of them are panicking about having enough money for retirement? Or is it just that all the reality shows on television about remodeling rooms and homes has given people the urge to remodel something?

Either way, there’s no doubt that plenty of people make good money from real estate, and so can you. But although you may have heard some of the stories about Joe Bloggs who bought a house without having a clue what he was doing, only to sell it and make a fortune down the road, chances are that won’t happen to you. As more people get into real estate investing, the harder it’s going to be to make money just through pure luck. You need to know what you’re doing to get the best results.

That’s where a real estate investing seminar can be useful. I’m sure you’ve heard the concept of modeling yourself on someone successful if you want to be successful too, and real estate investing is the same. If you can find someone who’s made a lot of money investing in real estate, learn their methods and then copy them, chances are you’ll be very successful too. Unfortunately, most people making lots of money from real estate aren’t interested in sharing their strategies with anyone. If you can find someone and get them to be your personal mentor, great.

But if you can’t find a personal mentor, then look around and find a real estate investing seminar run by someone who’s made a success of real estate investing. There are plenty of companies that run real estate investing seminars, usually because they’re trying to flog their latest development, and it’s probably a good idea to steer clear of those. Ask around, particularly if you have friends or family who invest in real estate, to see if they can recommend a seminar they’ve been to.

Do some searching on the Internet, and you’ll soon come across a number of real estate investing seminars. You can also search based on a presenter’s name, to see what other people have to say about the presenter’s background and the success of his or her techniques. Most importantly, leave your credit cards at home, so that if the seminar is mostly about selling you lots of expensive resources, you can go home and sleep on it before blowing a stack of money. After all, you want to use most of your money for investing in real estate.

4 Tips on How To Choose the Real Estate Investing Course That’s Right For You

If you are interested in discovering all the insider secrets of real estate investing, the good news is that there is likely a real estate investing course that can teach you all the ins and outs of real estate simply, and in minimum time. To find the right real estate investing course for you, look for something that offers:

1) A knowledgeable expert.
The person teaching the real estate investing course should be a respected expert with years of real estate investing experience.

2) A focus that relates to your interests.
Whether you are interested in foreclosures, commercial real estate, or “fixing and flipping” houses, make sure the real estate investing course you choose offers step-by-step specific information that shows how to quickly generate cash, and also build long-term wealth without taking up too much of your time.

3) An easy to learn format and price.
Truth is, people don?t value free information. And as Ben Franklin is famous for saying, ?if you think education is expensive, then try ignorance.? That said, make sure that the real estate investing course you choose doesn?t cost more than $500.00 A great real estate investing course should give you reading materials, monthly case studies, and ? as a bonus - access to live calls. You can learn about real estate investing by attending workshops, online classes and other methods from the comfort of home. Bottom line, choose a real estate investing course that offers a learning environment that you’re comfortable with.

4) A good track record with others.
Ensure there are testimonials and endorsements about the real estate investing course you’re interested in. Then, invest in a program whose students are having fun, and are profiting.

Now that you know how to choose the right course, it?s time to take action!:-) Yours for Massive Profits & a Rewarding Life!

Cheers,
Mary Wozny
“Helping 100,000 Women & Families Achieve Financial Freedom!”

3 Real Estate Investing Myths

People are very entertaining if you just take time to listen to what they say and observe how they act. After all, that’s why reality television shows are so popular. Now you can watch people from the comfort of your living room chair.

The things they do and say are so highly entertaining because people so often react based on emotion. Often, that emotion is fear. Throw in a little laziness and a willingness to believe whatever they hear that justifies their fear and there you have them?the two most wealth-preventing myths about real estate investing that were ever conceived. And those two are the parents of the third.

Those myths are, of course, fear-based. They are also myths that would not exist if it were human nature to educate themselves about a thing before making up their minds about it.

What are those myths?

1.Real estate is a gamble.
2.Real estate is risky.
3.There is no way I can possibly invest in real estate.

Naturally, Myth No. 2 follows logically from Myth No. 1. Assuming, of course, that logic goes into the thinking at all when someone determines these things.

Robert Kiyosaki, author of the Rich Dad book series, said that there are people out there who honestly believe that real estate investing?or any type of investing at all, really?is all about luck. These types of investors throw their money at anything that looks good to them. But they haven’t taken the time to educate themselves on what is a good investment. So what ?looks good? to them is based on a purely emotional reaction?or worse?a guess.

Real estate investment cannot be accurately compared with, say, Black Jack or Roulette because those games are guessing games. Real estate investment is not a guessing game. Real estate investment involves looking at financial documents and determining from them where you should spend your money. It’s not about guessing?it’s about reading.

And Myth No. 3, well…that’s the biggest myth of all. Anyone at all can invest in real estate, if they are willing to take those first important steps: Make sure you have the capital by increasing your wealth, which is generally done by building a business system, and educate yourself in the process of investing.

There’s the rub. Most people are simply not willing to take those preliminary steps. They think they are wasting time if they attempt to learn something. The extra money they have is burning a hole in their pocket and they can’t wait to throw it away. So that is exactly what they do.

There is risk, of course. Anytime someone sets out to learn a new skill?even investing?they will make a few wrong moves. But that is all part of the process. As time goes on, you will get better at it. So of course, you shouldn’t toss your life savings into the pot. Simply start out small and work your way up, as you would with anything. Kiyosaki compares it to piloting an air plane. It’s not something you would consider doing if you had never been in the cockpit. But with time and lessons and practice, it becomes something you can do with ease and confidence?something you can do safely. But you must invest the time to learn how.

What really is a risk, Kiyosaki said, is neglecting to educate yourself. When you neglect your financial education you are losing more money than you can imagine?not only the money you invest if you choose to leap without looking, but also the money you will never make if you choose not to leap at all.

About the Author:

Alex Anderson Helps Regular-People (Just Like You) To Successfully Invest In Real Estate. Enroll In Her FREE, Educational “Investment Property Program” At: www.GreatInvestmentProperty.com

Starting in Real Estate investing? Six Things to Remember

There is so much written about the huge benefits of real estate investing. If you are considering it for the first time, you may well ask if it is as profitable as it is made out to be. You may also ask if it is as easy as is often claimed, especially for the first-timer.

Well, the answer to the first question is yes ? potentially, at least. The answer to the second is probably no, in the sense that first-timers don?t generally walk straight in and make a killing. But you CAN make it easier for yourself if you remember these pieces of advice.

1. Don?t be scared of making offers to sellers. It is easy when you are just starting out to be so afraid of rejection that it stops you making the offer at all. Especially if it is a ?no money down? offer. If you ask and get a ?no?, you can move on to the next project - it hasn?t cost you anything. You can be pleasantly surprised at how often you DON?T get a ?no?. But if you DON?T ask, you certainly can?t get a ?yes?!

2. Recognize the importance of seller motivation. This can be your prime factor in getting a good deal. So it could be worth making it your number one factor in searching for properties, with the condition of the property being secondary. But beware of seller ads that state ?motivated seller? up front ? this could be just a means of attracting interest. You need to do your own research in finding out the seller?s situation ? for instance if they have already bought a property and urgently need a quick sale.

3. Be careful of ?rehab?. Apparent rehab opportunities can be extremely tempting. Some people in fact find rehab deals an excellent method of cash generation. But these projects do tie up your capital for several months and take a huge amount of your time and energy before the profit comes. So some people feel rehab is not for them. But if you want to try it, do make sure (a) that you don?t over-pay for the property in the first place, and (b) that you factor in ALL the costs. That means, not just the money cost of the physical rehab but the costs in time, energy etc.

4. Never feel trapped into finalizing a deal. If you find a transaction has hidden pitfalls you didn?t know about, don?t feel you ?have to? complete the deal to avoid losing money you have already put in. Always retain control and decision power.

5. Don?t feel uncomfortable about making money from other people. This is not ?ill-gotten gains? or dirty money, it is money you have earned honestly and legally. If you have problems with this, it will prevent you from really profiting from real estate investment.

6. Don?t feel held back from real estate investment because you don?t know it all. You never will ?know it all?, but you must get started and recognize that there are many things you can only learn as you go.

There is nothing magic about successful real estate investing. There is no reason why YOU shouldn?t succeed, any more or less than anyone else. If you remember these bits of advice, it will make it just that much easier.

Real Estate Investing is a Sorting Business

I am about to tell you a partial truth about real estate investing; I will tell you something about investing in real estate to give you specific way of looking at your real estate business, but its actually not 100% true. Afterwords, I will tell why it is not really the truth. So, without further dealy, here it is…

Finding deals as a real estate investor is sorting process, not a sales or convincing process.

Why would I say such a thing? It is to help you understand how to think about the part of your business where you are trying to find deals.

Finding deals is all about sorting prospects… having people contact you, or you contacting them and, through a series of questions, finding out if there is a situation you can solve and get paid for.

It is NOT about selling every homeowner on accepting your offer or otherwise doing business with you.

The first time, you talk to a truly motivated seller (and not just someone with a house for sale), you will understand what I mean by it being a sorting process.

Your are just sorting through all the sellers and houses for sale for the ones that have a unique situation that you can solve.

Now, I will share with you what the untruthful part of what I said earlier is… buying houses is a sales process.

It is about selling yourself and your business to the home owner. Why should they do business with you? What solution and value can you bring to their unique sitation or problem?

The difference I am trying to point out is that you are not trying to convince EVERY seller to sell to you. You are merely trying to find motivated sellers by sorting them out from all other sellers and then selling them on you and your solution.

I hope that helps those getting started in real estate investing with a good big picture concept of what you are really doing when you are out there finding deals.

How you can use Rehab, Refinance and Cash Out as a long term wealth building Real Estate Investing strategy.

Today we are discussing a somewhat advanced strategy for you to use after you have been in the creative real estate investing business for a while. I call this “Rehab, Refinance, and Cash Out”. This strategy can lead to true long term wealth and financial independence. This works very well in a buyers market like Memphis where prices have been quite flat for some time. You need to use this to augment your wholesaling for immediate income and retailing for bigger short term profits. Rehab, Refinance and Cash Out is a long term wealth building strategy and will be something you will be glad you did as it is a long term buy and hold strategy, and those are the strategies that lead to true wealth accumulation and financial independence. Let me explain how this works. You find a good middle to low end 3 bedroom home that you are able to buy from an out of state owner or other motivated seller that needs a little work and you buy at 60% of after repaired value. You buy the house using a hard money lender like http://www.pleaseclose.com/memphistrading and do your fix up and have a property management firm manage the property and put a renter in the house. The hard money lender will typically loan you up to 65% of the after repaired value to purchase the house which you use to buy the house and then repair it. Now that the home is repaired you obtain an investor friendly mortgage and cash out by refinancing at 80-90% of after repaired retail value and you should be doing this with properties where this strategy gives you back at least $10,000 at the refinance that you can use in your business any way you need. Do not use this money to live on, use it solely to grow your real estate business. Once you have done this strategy on 10 homes you should be able to keep finding better and better deals because you can close quickly as you have cash in hand to make things happen. More cash equals better deals and more opportunities.

By the time you repeat this strategy 20 times you should have at least $200,000 cash plus about $200,000 equity and 20 homes giving you at least $2000 per month positive cash flow whether you decide to work this month or not since you have a property management company handling things for you. With average annual rent increases, within five years that $2,000 a month should grow to $4,000 a month. In 30 years you should have $2 to 3 million plus in paid off real estate. It’s a good solid long term strategy to add to your immediate selling from wholesaling, retailing and lease options that the extra $200,000 in cash will help grow tremendously.

The rent minus the management fees and all loan and other costs must leave you with positive cash flow or this strategy should be avoided. If you cannot cash out on the property I don’t recommend holding it long term as you want to be able to use your best mortgages to cash out.

You can purchase using http://www.pleaseclose.com/memphistrading if your Equifax credit score is above 550(which is bad credit) or you have a co-borrower who has an Equifax score over 550. A good investor friendly mortgage company will give you good rates if you are at 660 middle score or above and the very best rates if your middle score is 720 or above. Your first 10 investor mortgages in your name and 10 in your spouses name are the easiest to qualify and get the best deals. After those you really need a good investor mortgage company to work with. Take the time to find the real investor friendly mortgage companies that can help you get loans for 100 properties and not just the first ten and let them have the easy ones and the tougher ones. I do recommend having more than one good lender available though, but stick to the ones that specialize in investor loans. Find out from other investors who the most investor friendly mortgage companies are to use to refinance the repaired home.

I do not advocate becoming a landlord as I do not believe this is a valuable usage of your time and energy. I highly recommend asking around and finding a good property management company that will charge you 10% or less to start out with and gradually lower that % as you add more and more properties.

I feel this is an advanced strategy as you won’t see any cash in your pocket from this strategy for 4-6 months after you find the deal which is a long time to work and not see any pay. If you are wholesaling and making consistent money each month then it shouldn’t matter. This strategy will magnify the profits you make in your investing business in ways you might not have imagined. This strategy is a natural progression from wholesaling as you are already helping others find these kinds of deals, now you will be able to get the cash out typical of probably 2 wholesale deals, just paid slower, and at the same time building a nice future nest egg.

About the Author

David Neese is a real estate investing author who offers a free course for real estate investors delivered by email, audio and teleseminar which you can get for free at: http://www.FreeRealEstateInvestingCourses.com You can find more information about David at http://www.DigitalSuccessCoach.com

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