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If your financial problems have reached the point where you do not see a way out and you feel as though you are drowning in debt, your best way out is through declaring bankruptcy. Filing may well allow you to get your finances back on track Thankfully, there are now several web sites that are there to help people like you with bad credit to find the fast personal loans that you need. When you have bad credit, the first thing that you should be looking for is a loan company that

by Steve Groom If you have CD’s, money markets, stocks or IRA money that are not currently earning a high rate of return safely and predictably, perhaps it’s time to look at a unique opportunity that you’ve been missing out on! Many investment advisors recommend a mix of investments to increase overall investment returns, while lowering risk. Stocks and mutual funds can offer a high return, but also have high risk. On the other hand, fixed investments like bonds and CD’s have lower risk but also lower returns. An alternative is private mortgage lending, which has higher returns than many other fixed rate investments, and less risk than stocks. Have you ever thought what it would be like to be the Bank?  Banks tend to stay with secured investments such as mortgage loans or auto loans. Just think about it…has your bank ever offered you a loan to purchase stocks, bonds or mutual funds? Hardly! Yet they will gladly loan you money to buy real estate. Private lending is a great way for individuals like you and me, to be the bank and enjoy high returns at a relatively low risk. Mortgage lending is not a new concept. In fact, mortgages have been the security for banks ever since people started taking out loans to buy real estate. What’s exciting is that individual investors are now realizing what a safe and rewarding opportunity mortgage lending can be. Smart investors have been profiting from this investment for years. Do you know what $25,000 is worth in two years at a 5% yield?  It’s worth $27,500.  But now let’s take that same $25,000 and invest it for the same two years at 10% interest. Now it’s grown to $30,000!  That’s a $2,500 Difference Simply by Upping the Yield from 5% to 10% …… That’s An Extra $1,250 per year. Take a look at the following comparison chart…                 2 Year Term Your Investment Money Market 3.0% CD 5.0% Mortgage Loan 10% Net Increase (Mortgage vs. CD) $25,000 $1,500 $2,500 $5,000 + $2,500 $50,000 $3,000 $5,000 $10,000 + $5,000 $100,000 $6,000 $10,000 $20,000 + $10,000 $200,000 $12,000 $20,000 $40,000 + $20,000 You can see that these numbers are quite compelling.  By utilizing Private Mortgage Lending you can grow your money 2-3 times faster than a CD or money market account.  As Robert Kiyosaki states in his book “Rich Dad Poor Dad,” the goal is to make your money work hard for you instead of you working hard for your money! Today private lenders earn between 8-12% net annual return. These short-term mortgage investments are fully secured by the real estate for which the loan is funded. In other words, the borrower’s property is the collateral for the loan and the debt is evidenced and secured by a first mortgage on the property being purchased. Is Private Mortgage Lending Safe? Well, no investment is guaranteed. But with the proper paperwork, private lending provides a safe, secure and predictable rate of return. You will have a real asset backing up your loan, unlike stocks or mutual funds which are only protected with paper assets. And let’s clarify something- these are not high loan-to-value (LTV) loans that got some lenders in trouble recently. LTV is the amount of the loan divided by the value of the real estate. These are low LTV loans that don’t exceed 70% of the value of the property securing the loan. This means that you as the lender will loan no more than $70,000 on a property worth $100,000.  That provides you with additional security. Banks have gotten in trouble because they make loans at a 90%, 95% or even 100% LTV or more. Banks just don’t leave themselves with any cushion. It’s obvious why Private Lending is a much safer approach than that taken by most lending institutions. In addition to having a low LTV, you receive the following documents to secure and protect your investment: ü      A promissory note personally guaranteed by the borrower. ü      A mortgage which will make the property the collateral for your loan. ü      Title Insurance that protects you against any title problems. ü      Fire/ Hazard Insurance that protects you in case of a catastrophe. The transaction is closed with a professional real estate attorney or title company and your funds go directly to the closing attorney. All of this costs you nothing. The borrower pays all the costs and handles all the details. This can and should be a hassle-free investment. Want to earn 10% in your IRA or pension plan? Making real estate loans is now a widely accepted use for IRA and retirement funds. By setting up a “Self Directed IRA” you can lend funds from your IRA. Then the interest that you earn is not taxed until you take it out (traditional IRA), or is completely tax-free (Roth IRA). While the IRS imposes limits on how much you can contribute to an IRA each year, there are no limits to how much your IRA can earn!  To learn more about self-directed IRA’s, visit www.trustetc.com. Private mortgage lending is not for everyone. But for many private individuals, it can be a great way to build wealth. Now you can take control of your IRA funds, pension plans, savings accounts and CD’s and earn high yields safely and securely. Private mortgage lending requires very little time and energy after making the initial decision to invest. It offers security as well as returns that are 2-3 times higher than other investment plans. To see if Private Mortgage Lending is right for you or just to learn more, get your free special report now and find out what you’ve been missing!