Steve Gillman Profile and Articles
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151). Creative Financing - Ten Ways
Do all the creative financing techniques you hear about really work? Yes, actually. They probably have all worked somewhere for someone at least once. The point isn't if they will all work for you. The point is to know what is possible, so you can find your own creative ways to invest in real estate. Here are ten methods to get you thinking.
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152). Four Reasons To Offer Seller Financing
An example of seller financing: Years ago I bought a rental property, and nine months later sold it for 15% more, without fixing or improving a thing. The easy terms are what sold it. I took $1000 down, and I still get a payment every month, with 9% interest.
Four Reasons To Offer Seller Financing
1. To get a higher price....
153). Real Estate Negotiation Secrets
When you bought your home, you offered less than you were willing to pay, right? That's the most common negotiation technique. For experienced investors, however, that's just one technique among the many more powerful ones. What else can you do?
How To Make An Offer
1. Offer an odd amount, like $161,793. This gives the imp...
154). Cheap Carpet - Carpeting A Room For $20
Do you want cheap carpet that you can easily install yourself? Well, I once carpeted a large bedroom for a total cost of about $12. You read that right, and no, the carpet was not used carpet. I did it with carpet samples.
I bought them for 25 cent apiece at a closeout sale, and it took 36 squares of carpet to finish the room. The only...
155). Cheap Family Vacations - Some Suggestions
The real secret to cheap family vacations is to be opportunistic. When a friend offers you their cabin on the lake, say yes. Can you have as much fun
156). Ask "What If?" To Solve Problems
To creatively solve problems you need to get your mind looking in new directions. You can systematically do this by using a list of words, primarily
157). How To Speak Spanish
Want to know how to speak Spanish quickly? Of course it can help to learn how to ask for the bathroom, and to say hello. Here are a few of those basic phrases, with the phonetic pronunciations:
Hola. (oh-la) Hello or hi.
Buenos dias. (bway-nos dee-ahs) Good day.
Cuál es su nombre? (kwahl ays soo nohm-bray) Wha...
158). Lightweight Backpacking Techniques
These lightweight backpacking tips and techniques are options or ideas, not recommendations. I tend towards the extreme side of ultralight backpacking, and if you don't know yourself or your skills, some of these techniques will get you into trouble.
A good example of this is the "natural mattress" that allows you to leave your sleepin...
159). Ten Best Backpacking Foods
Maybe your favorite backpacking food is a freeze-dried turkey dinner. There really is no "best" backpacking food. There are reasons to bring certain f
160). How To Write Poetry
If you want to know how to write poetry, the first thing you have to do is write some. It doesn't matter how it turns out. Your own mistakes will become your teachers. Your own writing will motivate you to greater creativity. Now, once you start the process, how do you improve it? Here are three tips.
1. Use nouns and verbs more than a...
161). How To Relax Fast
Why should you learn how to relax fast? Because stress is more than just unpleasant. It's also dangerous. Many diseases are now known to be caused by or made worse by stress, but you can do something about it. Just try these relaxation techniques today, and use them whenever you feel that tension coming on.
1. Have a hot shower. The h...
162). Little Secrets
Little secrets can be useful. An example is knowing that hotel mattresses are less worn and more comfortable on the side away from the phone. Or knowing that listening to Mozart's sonata for Two Pianos in D Major, K. 448 for ten minutes can raise your IQ 9 points.
They can also be just interesting. Did you know that the furthest point...
163). Free Traffic - Seven Ways
Free traffic? The other day I saw that someone had been putting post-it stickers with the name of their website on bus stop benches and telephone poles. How many ways can you get free web site traffic? Who knows, but here are seven ways to get you started.
1. Online classified advertisements. Search "free advertising" or "free ads", a...
164). Clear Thinking 101
Want clear thinking? Resolve your "mind irritations," by watching what's going on in your head. It takes practice, but you can start right now. Sometimes a phone call you need to make quietly bothers you all day, just below consciousness. Maybe you're worried about an upcoming meeting. How do you find and resolve these things?
Take a d...
165). Hiking Shoes Versus Hiking Boots
Hiking shoes versus hiking boots? Hiking shoes win. Okay, next issue? No, really. Hiking or running shoes are better for most backpacking trips, at l
166). New Invention Ideas
A few more new invention ideas. Read about them, laugh at them if you must, modify them, use them and call them your own if you want.
Air conditioning shirt. Backpacking in hot weather, I often stop to wet my shirt in a stream. The evaporative cooling as it dries is wonderful. Now if a shirt had little water "tanks" on the shoulders, a...
167). Renting A Room For Extra Income
Renting a room? I wish I had thought of it sooner, but one day many years ago I finally gave it a try. I had a thee-bedroom mobile home on small piece of property, and I soon found that it was easy to rent out not one, but both other bedrooms. I suddenly had thousands of dollars extra each year.
Many towns with high rent have a high de...
168). Ideas For New Products And Inventions
How many new products and inventions can you dream up with in thirty minutes? At least a few if you know the techniques of innovation and creative problem solving. The following are thirty minute's worth, with some notes at how they were arrived at.
New Products and Inventions From Old
A fast way to invent new thing...
169). Article Writing
When I learned about article writing as a way to generate web site traffic, I was intrigued. Unfortunately, it took me several hours to write that first article for my backpacking web site, and another two hours to submit it to several article directories. I still liked the idea, but it seemed like a lot of work for the results. There had to be a b...
170). Do You Have This Bad Habit?
It's likely that all of us have this bad habit to some extent, and I nominate it for the title of the worst habit one can have. What is it? Fighting reality rather than accepting and dealing with things the way they are. Here are some examples, and a few suggestions as to how to break this habit.
Are You Fighting Reality?
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171). Ten Real Estate Investing Tips
Real estate investing tips tend to be a bit vague, like "invest in the right location," or "make sure the numbers work." Actually, tips like these are important principles to remember. However, since they have been well represented in other articles, I want to share a few more specific tips with you.
1. Listen to the market. The cabine...
172). Two Mindfulness Exercises
Mindfulness exercises let you "tune in" to yourself. Distractions are let go, and your brain power is increased. The exercises help you think more clearly and concentrate better. The best news is that they are easier than you might think to learn.
Easy Mindfulness Exercises
Anytime you are stressed, stop, and carefu...
173). Six New Debate Topics
The same debate topics are used again and again. Why not liven up your next debate with some new ideas? Here are some more unusual and fundamental questions to debate.
Happiness shouldn't be pursued. The pro side of this could start with the obvious pain that people face when their expectations are not met. Maybe it is better to just r...
174). Intelligence Quotient - Increase Yours Today
Would you like to increase your intelligence quotient or IQ? You can use brain power exercises and techniques designed to help you long-term, but what if you want a quick brain fix right now? Maybe you have an important meeting coming up, or a crucial test, or just a chess game you don't want to lose. If you want fast results, and not an argument a...
175). How To Have Great Ideas
Want to have great ideas? You could try waiting to see if they pop into your head someday, and they honestly might. However, if you want a more systematic method you can use today, here it is in three simple steps:
1. Get knowledge in the area in which you want the ideas.
2. Use idea-generating techniques.
3. ...
176). Why Buy Mobile Homes?
You can buy mobile homes for much less than stick-built houses in most areas of the country. Despite the common predjudice against them, mobile homes are the cheap housing choice of millions. While the advantages are not always obvious, they are real.
One of the advantages is fast equity buiding. You see, the myth about mobile homes de...
177). How To Improve Brain Function
How to improve brain function? Start with a few questions.
Is problem solving easy for you? Do you learn new things quickly? Can you improve your brain function? Your answers to these questions will have an effect on your brain function, because brainpower and psychology are intimately connected.
Brain Function and Ex...
178). Solve Problems With A Word List
To creatively solve problems you need to get your mind looking in new directions. You can systematically do this by using a list of words, primarily adjectives, to create "what if?" scenarios. You start with the question, "what if it was..." and then insert a word from the list. The "it" in the question is the problem you're trying to solve, or the...
179). Thinking Games
Classic thinking games are a great way to tune up your brain. You can use these mind games to help you increase your brain power and to get you out of your thinking "ruts." Play them enough, and they'll habituate you to using creative problem solving as a normal part of thinking about things.
Thinking Games For Groups
180). Lightweight Backpacks - How Light?
How light is light? Lightweight backpacks weigh less than three pounds, a standard I just invented. There are good packs under three pounds for almost
181). New And Unusual Fundraising Ideas
Need some new fundraising ideas? When your organization or group needs to raise money for a trip or project, there's nothing wrong with another bake sale. Do something a little different, though, and you may get more volunteers for the event. You might also get more media exposure, meaning more people will participate, which means more money raised...
182). Lightweight Backpacking
You aren't lightweight backpacking if you are carrying twenty-five pounds for a summer weekend. I invent these standards, but I try to be reasonable.
183). Best Investment Real Estate Locations
Where are the best investment real estate locations? If you have enough experience investing in real estate, you can make money almost anywhere, but there are always places that are better or worse for real estate investments. For maximum profits, you want places that have a better demand/supply ratio. You can use the questions below to find them.
184). Sleeping Bag Pads
Sleeping bag pads are not one of the things you should cut from your list. Backpackers want to reduce their weight, but not even ultralight backpackers want to reduce their comfort. Still, who wants to carry those monstrous old inflatables down the trail? Try some of these lightweight options instead.
Make four-ounce sleeping bag pads...
185). Mobile Home Rentals - A Great Investment
Why mobile home rentals? Get past the prejudice and look at the numbers. In our town, for example, a two bedroom house costs $130,000 and rents for $800/month. A $50,000 mobile home on real estate gets $500/month. Cash-on-cash return on investment is obviously higher with mobile homes.
Don't let the half-truth that mobiles depreciate i...
186). Ten Tips For Selling Your House
One of the biggest mistakes people make when selling a house, is not understanding real estate value. It doesn't matter at all what you think your home is worth. The value of your home, and any improvements you made, is determined by buyers. What you enjoyed about your house is irrelevant when it's time to sell it. Think in terms of what other peop...
187). How To Be A Lucky Guy
Want to be a lucky guy or gal? There are things you can do to become one. In fact, there are at least a dozen luck "techniques" that you can use. I have been using them for years, and yes, they say I'm a lucky guy. Here are two of the most important things you can do.
Lucky Guy Tip - Get Ready For Luck
When we bough...
188). Learn Spanish - Ten Reasons Why
Why learn Spanish? Almost five years ago I met the most wonderful woman in my life in Ecuador. I'm not sure we'd be married today if I hadn't learned
189). The Blame Game - To Play Is To Lose
What do you win when you play the blame game? If you could convince others that your parents are to blame for the way you are, what good would it do? If your business failure could be blamed on something that really wasn't your fault, would that help? Can blaming our personal problems on outside factors ever be helpful?
Possibly. There...
190). How To Have Stronger Willpower
Have you ever wished you had stronger willpower? How can you make yourself stop doing things you don't want to do? There are ways, and the first thing to do is to redefine the concept of willpower.
Self Awareness Instead Of Willpower
It's hard to resist temptation sometimes, isn't it? That piece of cake calls to you. What'...
191). Secrets To Solving Problems
Learning a few good problem solving techniques can improve your bottom line and your life.
Do you ever run out of good ideas, or go around in c
192). Creative Real Estate Financing
Do the creative real estate financing techniques you hear about really work? Yes and no. They likely have all worked somewhere for someone at least once. The important point is to understand the principles involved, so you can find your own creative ways to invest in real estate. Here are ten methods to get you thinking.
1. Use hard mo...
193). Eat Plants While You Hike
Knowing a few edible wild plants can make your next backpacking trip, or any trip into the wilderness, a lot more enjoyable. You can
194). How To Quit Your Job
Why should you take my advice on how to quit your job? Because I'm a job-quitting expert, and my expertise has been gained through experience. I've quit many jobs in many industries. In fact, I can think of fifteen jobs that I've quit off the top of my head.
The most recent job I quit was at the Post Office. Don't let anyone tell you t...
195). What Is Lateral Thinking?
What exactly is Lateral thinking? For starters, it's a word invented by Edward DeBono in 1967. At some point since then it became a part of the English language (it is in the Oxford English Dictionary and most others now). DeBono, on his official web site, says there are several ways to define it.
Lateral thinking is a way of attacking...
196). The Joy Of Solo Backpacking
Have you ever gone solo backpacking? If you have, you'll probably agree that it isn't a matter of it being better or worse than backpacking with frien
197). Stress And Anxiety
Stress and anxiety put people in the hospital every day. It may not be common to go to the doctor to say "I think I have stress," but the National Institutes of Health say that 80% of illnesses are caused by stress, directly or indirectly.
Powerful hormones, including adrenalin, are released into your blood when you're stressed and an...
198). How To Have An Above Average IQ Score
What is the average IQ score? In theory the tests are designed so that half the population will score below 100 and half above, and are scored according to age of the test taker. Here is a breakdown of IQ scores in the typical population:
130 or higher: 2.2% of the population.
120-129: 6.7% of the population.
...
199). Cheap Vacations - Ten Ideas
Cheap vacations can still be relaxing, fun and whatever else you want them to be. Unlike cars and shoes, vacations don't get better according to price
200). Self Control
Self control means the ability to motivate ourselves to do the things we need to do. It also means stopping ourselves from doing things that we see are bad for us. It may seem that it is a problem of willpower, but pushing ourselves to do things when we feel miserable, or fighting temtation may just be a recipe for stress. There are better ways.
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