Announcing #IWriteBecause - A Campaign For Writers

Reporting #IWriteBecause - A Campaign For Writers Reporting #IWriteBecause: A Campaign For Writers, By Writers The zenith of a writer’s life may not ever be a sad discourse at the Oscars. (â€Å"I need to thank my ergonomic console for not giving me carpal tunnel.†) However,â though it probably won't appear as a little brilliant sculpture, all authors have motivations that drive them to put pen to paper. So what's yours?We realize that words are amazing - and now like never before, we can utilize our words to get the message of working out and do great. Maybe one day a kid who watches your video will have the option to state that #TheyAlsoWriteBecause.How can you add to #IWriteBecause?Submit your short, one-minute video by means of the battle site, and reveal to us your explanations behind composition. In doing as such, you’ll be joining scholars of all stripes who previously sent in recordings, including smash hit writer Mark Dawson, grant winning food and travel essayist Joanna Pruess, USA Today top of the line writer Carter Wilson, New York Times success David Heine meier Hansson, and well known BookTuber Hailey LeBlanc.We’re highlighting a few recordings consistently on the site, so don't hesitate to peruse through other writers’ stories! The entire is more prominent than the aggregate of its parts, or so they say.Here are a couple of inquiries to get you started:Why do you write?What do you love the most about writing?What do you escape writing?What would you like to accomplish before the finish of your profession as a writer?So get your telephone or a camera now. You can improve a kid's life. Everything necessary is a moment to fill in the clear and state by means of video: I compose, on the grounds that ___________.Why do you compose? This is your opportunity to let us know. Send us a video through the crusade siteâ and add to the development.

Data Security Policy Analysis

Information Security Policy Analysis Dylan Mc Grathâ The explanation behind having a strategy: The explanation behind having the strategy is so the laborers at ACME LEARNING Ltd recognize what to do when they are surveying the individual information of the clients and how they will utilize the information. A Brief clarification of the companys commitments under the law: There is one fundamental enactment which the organization needs to commit by it is known as the Data Protection Act 1998 which was additionally changed in 2003. It was made for when individual subtleties are given to an organization they need to keep the subtleties and they can't be given to anybody outside of the organization. Each individual who has given their subtleties to the organization can demand a duplicate of their data that the organization has. The organization must send the individual their subtleties inside 40 days. They can likewise have their name expelled from any showcasing list. They could likewise submit a question to the information official if the organization isn't holding fast to the Protection Acts rules. An individual can guarantee pay on the off chance that they endure when the organization utilizes their information in an incorrect manner. Who is affected by how the organization uses and stores information? The individuals that are affected by this are: Instructors and Staff who work for ACME LEARNING Ltd The board Understudies The Data that is put away about them is: Charge card/Bank Details Birth Dates Contact subtleties Name Address Email Sex PPS Numbers Providers data Why the information is utilized by ACME LEARNING Ltd: For publicizing and advertising purposes. To have a database of a people data. For finance and annuity organization To make the names and addresses of individuals are right. To stop misrepresentation and tax evasion For record keeping What Specific Threats does AMCEs information have? Malware: Malware is programming that can hurt a PC and can hinder execution. Hacking: Getting into a PC approved or unapproved without needing to bring about any harm. Climate Conditons and Fires: information can lost by tempests, seismic tremors and floods.â Fires can likewise be begun coincidentally when the server room is excessively hot. At the point when these climate conditions and flames happen the server rooms can be totally demolished. Adware: Software that can screen the clients online exercises so the individual can be focused by notices. Disappointed workers Spyware Mishaps Robbery Human Error Replicating information onto capacity gadgets. Trojans Jobs and Responsibilities: Information Controller Summit LEARNING Ltd must name a Data Controller who is there to manage the information which is about their clients on a PC and furthermore in a file organizer. The Data Controller must: 1: Obtain and procedure the data reasonably. 2: Keep it just for what is it was required for. 3: Use it for and it should just be given out for a predefined reason. 4: It must be remained careful and made sure about. 5: The data must be stayed up with the latest and right. 6: Make sure the information is satisfactory, applicable and not over the top. 7: It must not be saved for any more drawn out than it is required for. 8: Give a duplicate of his/her own information on their solicitation. Each Employee that works for ACME LEARNING LTD must be given preparing on the best way to utilize and deal with the information. Rules for:1. Information stockpiling: Information on hard drives can't be erased. The information must be put away on the system drive where the I.T office can back it up when they have to. Information that is on paper must be kept in a protected spot. Information must be secured by solid passwords. All information must be put away on the server and information needs to in a protected area. The Data Controller and just the individuals who need to get to the information are permitted to take a gander at it. Servers and PCs that have information must be ensured by a firewall and security programming. Information on CDs or DVDs must be bolted away. The servers must have various locales in the event that one site goes disconnected. Information ought not be saved money on workstations or other cell phones. There will be two distinct databases for both staff and understudies data. The information can't be put away locally have it in a spot where it very well may be upheld up each night. Information must be upheld up each night. The usb ports on all the machines must be impaired. Each PC in the structure must be rebooted each night at a specific time. There are two databases one for staff and the other for understudies data. Clients need to logout of their PC to make the information remains safe. The individual that takes a gander at the information ought to have the option to see the amount of the information and the duplication. 2. Information use When taking a gander at information on a PC all workers must have their PC bolted when they are away from their work area. Representatives can't make a copy of any information on a record. At the point when information is being moved electronically it must be scrambled. 3. Information precision: Summit Learning LTD must stay up with the latest and precise. Information that is incorrect ought to be refreshed to the right information by somebody that is permitted to alter the information. There are staff that are permitted to alter the information and other staff who are just permitted to peruse the information. 4. Information get to asks for: The Data Protection Act lets an individual see whether ACME LEARNING Ltd has any data that identifies with them. The individual needs to either round out a shape or compose a letter to the organization requesting their data. The individual needs to incorporate distinguishing proof so the organization realizes that they are giving the information to the opportune individual. The individual is qualified for: A duplicate of the information. A depiction of the utilization for which it is held. A depiction of those to whom the information might be appeared to. The wellspring of the information. The individual may need to pay an expense to get to their data which can't surpass â‚ ¬6.35. The individual must be reached inside 40 days with their information or be informed that the organization doesn't have any information about them. 5. Information Disposal: Zenith LEARENING LTD will keep the information it has for representatives for a long time just in the event that it is monetary. Summit LEARENING will save the understudies information for a long time. In the event that an understudy has checked a crate to state that they need ACME LEARENING LTD to keep their test results then ACME LEARENING LTD needs to keep the understudies test results for a specific number of years. On the off chance that information is on paper it must be tossed into a waste canister. It should likewise be reused. The paper can likewise be destroyed with the goal that the information on the paper will be wrecked. An incinerator can be utilized to consume the paper to decimate it so nobody can recuperate any of the information on the sheets. Hard Drive Disposal: At the time the hard drives need supplanting a representative must do the methodology that should be finished. The techniques are to overwrite a hard drive, get the hard drive decimated by paying an organization that manages obliterating hard drives the correct way so the information is protected from being seen by an individual that needs to utilize it for picking up cash. The hard drive can likewise be degaussed. This expels all the information from the hard drive. Degaussing obliterates the attractive fields on the hard drive. It totally makes the hard drive in minuscule pieces with the goal that it can't ever be utilized again. Overwriting the information utilizing a program puts parallel numbers onto the hard drive. It ought to be done in any event multiple times to be effective. Tape Media Disposal: The information on the tapes can be overwritten. They can likewise be burned this technique will totally decimate the tape. This technique will contaminate the air.â The information on the tapes can be degaussed. The organization can get somebody to come in and do it to observe that the tape has been degaussed appropriately.

Respiratory System Multiple Choice Questions Essay Example

Respiratory System: Multiple Choice Questions Paper Silvestri: Saunders Comprehensive Review for the [emailprotected] Examination, fourth Edition Section 48: Respiratory System Test Bank Various CHOICE 1. A postoperative customer with incisional torment grumbles to the medical attendant about finishing respiratory activities. The customer is eager to do the profound breathing activities however expresses that it damages to hack. The medical caretaker gives delicate consolation and suitable agony the executives to the customer, realizing that hacking is expected to: Expel bodily fluid from the aviation routes. 2. Widen the terminal bronchioles. 3. Accommodate expanded oxygen strain in the alveoli. We will compose a custom article test on Respiratory System: Multiple Choice Questions explicitly for you for just $16.38 $13.9/page Request now We will compose a custom article test on Respiratory System: Multiple Choice Questions explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer We will compose a custom article test on Respiratory System: Multiple Choice Questions explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer 4. Exercise the muscles of breath. ANS: 1 Rationale: Coughing is one of the defensive reflexes. Its motivation is to move bodily fluid that is in the aviation routes upward toward the mouth and nose. Hacking is required in the postoperative customer to activate discharges and oust them from the aviation routes. Different alternatives don't precisely address the reason for hacking in the postoperative customer. Test-Taking Strategy: Focus regarding the matter, the reason for hacking in a postoperative customer. Reviewing the impacts of sedation on the respiratory framework and the respiratory entanglements that can happen will guide you to alternative 1. Audit the reasons for hacking on the off chance that you experienced issues with this inquiry. DIF: Level of Cognitive Ability: Application REF: Linton, A. , Maebius, N. (2007). Prologue to clinical careful nursing (fourth ed. ). Philadelphia: Saunders. 0B]: Client Needs: Physiological Integrity TOP: Content Area: Adult Health/Respiratory MSC: Integrated Process: Nursing Process/lmplementation 2. A customer with incessant obstructive pneumonic sickness (COPD) who is starting oxygen treatment asks the medical caretaker for what good reason the stream rate can't be expanded to more than 2 uminute. The medical caretaker reacts this would be hurtful in light of the fact that it could: 1 . lncrease the danger of pneumonia from drier air sections. 2. Be drying to nasal assages. 3. Reduction the customers oxygen-based respiratory drive. 4. Reduction the customers carbon dioxide-based respiratory drive. Method of reasoning: Normally respiratory rate differs with the measure of carbon dioxide present in the blood. In customers with COPD this normal place gets ineffectual after introduction to high carbon dioxide levels for delayed periods. Rather, the degree of oxygen gives the respiratory boost. The customer with COPD can't expand oxygen levels autonomously in light of the fact that it could drain the respiratory drive, prompting respiratory disappointment. Test-Taking Strategy: Focus on the customers determination and review cap in customers with COPD, the degree of oxygen gives the respiratory boost. This will guide you to choice 3. Audit the significance of oxygen and carbon dioxide pressures in the circulatory system on the off chance that you experienced issues with this inquiry. MSC: Integrated Process: Teaching and Learning 3. The chest x-beam report for a customer expresses that the customer has a left apical pneumothorax. The medical caretaker would screen the status of breath sounds around there by setting the stethoscope: 1 . Posteriorly under the left scapula. 2. Simply under the left clavicle. 3. ln the fifth intercostal space. 4. Close to the parallel twelfth rib ANS: 2 Rationale: The pinnacle of the lung is the adjusted, highest piece of the lung. To check breath sounds in a customer with a left apical pneumothorax, the medical caretaker would put the stethoscope Just under the left clavicle. Different choices are off base. Test-Taking Strategy: Focus on the key words left apical pneumothorax. This will help with taking out choices 3 and 4. Next, utilize anatomical tourist spots of the lungs to guide you to alternative 2 from the rest of the choices. Survey information assortment methods for the respiratory framework in the event that you experienced issues with this inquiry. MSC: Integrated Process: Nursing Process/Data Collection . A medical caretaker is watching a nursing understudy tuning in to the breath sounds ofa customer. The medical caretaker intercedes if the understudy performs which mistaken method? 1 . Requests that the customer sit upstanding. 2. Requests that the customer inhale gradually and profoundly through the mouth 3. Spots the stethoscope on the customers outfit 4. Utilizations the stomach of the stethoscope ANS: 3. Method of reasoning: To tune in to breath sounds, the stethoscope is constantly positioned straightforwardly on the customers skin, and not over an outfit or dress. The medical attendant requests that the customer sit up and inhale gradually and profoundly through the mouth. Breath sounds are auscultated utilizing he stomach of the stethoscope, which is warmed preceding use. Test-Taking Strategy: Note the vital words wrong technique. Contemplating this information assortment system and taking note of the words on the customers outfit in alternative 3 will guide you to this choice. Audit the right strategy for tuning in to breath sounds on the off chance that you experienced issues with this inquiry. DIF: Level of Cognitive Ability: Analysis ed. ). Philadelphia: Saunders. 0B]: Client Needs: Health Promotion and Maintenance TOP: Content Area: Adult Health/Respiratory 5. A nursing understudy gets ready to educate a customer to expectorate an example of putum that will be sent to the research facility for Gram stain, culture, and affectability and portrays the method to the authorized down to earth nurture (LPN), who is the essential medical caretaker. The LPN remedies the understudy if which off base depiction is given? will utilize a sterile holder from the flexibly region. 2. l will send the example promptly to the research facility. 3. l will request that the customer brush the teeth and flush the mouth before expectorating. 4. I will have the customer take a shallow breath before hacking. ANS: 4 Rationale: Because of the idea of the test, the sputum must be gathered in a sterile not a spotless) compartment. The customer should brush the teeth and wash the mouth to diminish the quantity of tainting living beings. The customer should take a couple of full breaths, and afterward hack strongly (not spit) into the holder. The example ought to be sent legitimately to the research facility. It ought not be permitted to represent extensive stretches at room temperature to forestall excess of defiling living beings. Test-Taking Strategy: Note the key words erroneous depiction. These words demonstrate a negative occasion inquiry and request that you select the inaccurate technique for gathering the sputum test. Noticing the words shallow breath in alternative 4 will guide you to this choice. Survey the technique for gathering a sputum test in the event that you experienced issues with this inquiry. DIF: Level of Cognitive Ability: Comprehension 6. A medical caretaker is thinking about the customer who is in danger for lung malignancy because of a very long history of overwhelming cigarette smoking. The medical attendant advises the customer to report which most trequent early indication ot lung malignant growth? 1. Dryness. 2. Pleuritic torment. 3. Hemoptysis. 4. Useless hacking hack. Method of reasoning: Cough is the most continuous early side effect of lung disease, which starts as onproductive and hacking, and advances to profitable. In the smoker who as of now has a hack, an adjustment in the character and recurrence of the hack typically happens. Raspiness and blood-streaked sputum are later signs. Torment is an exceptionally late sign and is generally pleuritic in nature. Test-Taking Strategy: Focus on the key words most continuous early indication. This will help with taking out alternatives 2 and 3, which clearly are later signs. To choose among hack and roughness, recall that raspiness would demonstrate an issue with the larynx, though hack would show a lower aviation route issue. Audit the regular early indications of lung malignant growth on the off chance that you experienced issues with this inquiry. 7. A medical caretaker is helping with thinking about a customer with an endotracheal tube joined to a ventilator when the high-pressure caution sounds. The attendant checks the customer and framework for which in all probability cause? 1 . Detachment from the ventilator. 2. Endotracheal tube sleeve spill. 3. Free association in the framework. 4. Collection of discharges in the customers lungs Basis: When the high-pressure caution sounds on a ventilator, it is in all likelihood because of a check. The check can be brought about by the customer gnawing on the cylinder, inking of the tubing, or bodily fluid in the lungs that requires suctioning. It is likewise imperative to survey the tubing for the nearness of any water and decide whether the customer is out of cadence with breathing with the ventilator. The mistaken choices list things that might be liable for a low-pressure caution on the ventilator. Test-Taking Strategy: Note the key words high-pressure alert in the inquiry. Review that the high-pressure caution shows a potential block to help manage you to the right alternative. Survey the reasons for the high-pressure caution on a ventilator on the off chance that you experienced issues with this inquiry. A medical attendant is suctioning a customer through an endotracheal tube. During the suctioning method, the medical caretaker notes on the cardiovascular screen that the pulse has dropped 10 beats. The medical attendant should: 1. Stop the technique and oxygenate the customer. 2. Inform the enlisted nurture right away. 3. Keep on suctioning the customer at a speedier pace. 4. Guarantee that the pull is restricted to 15 seconds. Justification: During suctioning the attendant should screen the customer intently for difficulties including hypoxemia, drop in pulse because of vagal incitement, mucosal injury, hypotension, and paroxysmal hacking. On the off chance that intricacies grow (particularly cardiovascular anomalies), the medical attendant should stop the system and oxygenate the customer. Test-Taking Strategy: Use the procedure of end, recalli

How Teachers Can Achieve Happiness

How Teachers Can Achieve Happiness The generalization around grade teachers is that they are constantly enthusiastic and glad and loaded with life. While this may remain constant for some grade teachers, it sure doesn't for all educators. As you most likely are aware, having a vocation in the training calling can be very testing. Educators have a great deal of weight on them. In addition to the fact that they have to learn and show the normal center principles to understudies, however they likewise have the difficult activity of ensuring that their understudies are prepared to be beneficial residents once they escape school. With the entirety of this weight, alongside the obligations ofâ lesson arranging, reviewing, and discipline, the activity can once in a while negatively affect any instructor, regardless of how enthusiastic their inclination. To help mitigate a portion of these weights, utilize these tips consistently to assist you with managing and, ideally, carry some delight to your life.â 1. Set aside Effort for Yourself Perhaps the most ideal ways that you can accomplish bliss is to set aside effort for yourself. Educating is an extremely sacrificial calling and some of the time you simply need to accomplish something for yourself. Instructors spend such a large amount of their leisure time scouring the web searching for compelling exercise plans or evaluating papers, that they once in a while wind up disregarding their own needs. Put in a safe spot one day of the week for exercise arranging or reviewing, and put in a safe spot one more day for yourself. Take a workmanship class, go out to shop with a companion, or attempt that yoga class that your companions are continually attempting to get you to go to.â 2. Settle on Your Choices Wisely As indicated by Harry K. Wong in the book â€Å"How to Be an Effective Teacher† the manner in which an individual decides to carry on (just as their responses) will direct what their life will resemble. He says that their are three classes of conduct that individuals can display, they are defensive practices, upkeep practices, and upgrade practices. Here are instances of every conduct. Defensive Behavior â€These are individuals who are brimming with pardons, who whine a great deal, and are acceptable at advocating their conduct. You most likely consistently observe them in the teachers’ relax whining about everything and anything that is going on in their homeroom just as at the school. Support Behavior †These are the individuals who are exceptionally persevering and who invest a ton of energy wishing (I wish I won the lottery, I wish I had a greater study hall). They will in general coexist well with others, and don’t gripe or put individuals down in the teachers’ relax. They are worried about their own individual endurance, wellbeing, and security. Upgrade Behavior â€These people appreciate dynamic learning and partaking in gatherings. They go to each instructor gathering and meeting, and are referred to around the school as a pioneer. Since you know the three kinds of conduct, which classification do you fall into? Which sort of educator would you like to be? The way that you choose to act can enormously increment or abatement your general satisfaction and prosperity. 3. Lower Your Expectations Relinquish the desire that each exercise needs to go precisely as arranged. As an instructor, you will consistently have misses alongside the hits. In the event that your exercise was a lemon, attempt to consider it a learning experience. Just as you show your understudies that they can gain from their errors, so can you. Lower your desires and you will find that you will be a lot more joyful. 4. Try not to Compare Yourself to Anyone One of the numerous issues with web based life is the straightforwardness with which individuals can introduce their lives in any capacity they wish. Subsequently, individuals watch out for just depict the variant of themselves and their life that they need othersâ to see. On the off chance that you are looking down your Facebook news source you may see numerous instructors that seem as though they have everything in perfect order, which can be very scary and result in sentiments of deficiency. Contrast yourself with nobody. It’s hard not to contrast yourself with others when we have Facebook, Twitter and Pinterest in our lives. Be that as it may, simply recollect that it likely takes a portion of these instructors hours to make the ideal looking exercise. Put forth a valiant effort and attempt to be happy with the results.â 5. Dress for Success Keep in mind the intensity of a decent outfit.  While sprucing up to train a lot of rudimentary understudies may appear to be an impractical notion, explore shows that it can really cause you to feel more joyful. So the following morning that you need a moment shot in the arm, have a go at wearing your preferred outfit to class. 6. Counterfeit it Weve all heard the articulation, Fake it until you make it. Turns out, it may really work. A few examinations that appear on the off chance that you grin when you are despondent, you can fool your mind into feeling like you are upbeat. Whenever your understudies are making you insane, take a stab at grinning it may very well turn your state of mind around. 7. Associate with Friends and Colleagues Do you see that you tend as alone a ton when you are feeling despondent? Studies found that the additional time troubled individuals went through associating with others, the better that they felt. In the event that you’re investing a great deal of energy without anyone else, take a stab at getting out and associating with your companions or partners. Go have lunch in the personnel relax rather than your study hall, or go for that drink after school with your friends.â 8. Show proactive kindness There have been such a large number of studies led that show that the more that you accomplish for other people, the better you feel about yourself. The sheer demonstration of carrying out something to be thankful for can have a colossal effect on your confidence, just as your joy. Whenever that you are feeling down, take a stab at accomplishing something decent for another person. Regardless of whether its simply holding the entryway open for an outsider or making additional copies for your associate, showing proactive kindness can truly improve your temperament. 9. Tune in to Musicâ Studies locate that engaged tuning in to music that is playful, or even simply perusing verses that are sure, can improve your mood.â Old style music is likewise said to have a mind-set boosting impact on individuals. So whenever you’re sitting in your study hall and are needing a shot in the arm, turn on some cheery or old style music. Not exclusively will it help to support your mind-set, it will help your understudies dispositions too.  â 10. Offer Thanks A ton of us invest a ton of our energy concentrating on what we dont have, as opposed to concentrating our time on what we do have. At the point when we do this, it can cause you to feel miserable and despondent. Have a go at offering thanks and concentrating the entirety of your consideration on the positive things that you have in your life. Consider what is going right in your life, and all of things that you are appreciative for. Every morning before your toes even hit the ground, express three things that you are thankful for. Here are a couple of instances of what you can do every morning to offer thanks. Today I am appreciative for: My wellbeing and the strength of my familyThat I have food, garments and a rooftop over my headThat I have a great activity that encourages me accommodate my family You can control how you feel. On the off chance that you wake up feeling troubled, at that point you can change that. Utilize these ten hints and practice them every day. With training, you can frame deep rooted propensities that can expand your general joy.

Becoming A Real Estate Entrepreneur Everything You Need To Know

Becoming A Real Estate Entrepreneur Everything You Need To Know Traditionally, there are a few ways to make serious money as an entrepreneur. They include business ownership; securities investment and speculation; and, perhaps the most personally rewarding, real estate entrepreneurship. Not for the faint of heart, making money in real estate is filled with potential challenges and pitfalls. But with an understanding of the various real estate entrepreneurship strategies, proper implementation, assessment, and adjustment where necessary, one can make substantial profits. The first step is understanding how to make money in real estate. © Shutterstock.com | Sergey NivensIn this article, we will cover, 1) strategies for making money with real estate, 2) determining return on investment (ROI), 3) making money with residential real estate,  4) building a business based on commercial real estate, 5) real estate financing, 6) economic trends affecting the real estate market, 7) keys to success to become a real estate entrepreneur, 8) challenges of being a real estate entrepreneur, and 9) examples of real estate entrepreneurs.STRATEGIES FOR MAKING MONEY WITH REAL ESTATEThere are a number of ways to make money in real estate, including, but not limited to:owning and renting residential property;buying and selling residential property;improving residential property to increase its value;investing in mortgage notes;owning and renting commercial property;buying and selling commercial property;investing in commercial real estate;and investing in real estate securities, such as real estate investment trusts (REITs) and municip al bonds.Broadly speaking, each strategy involves determining your goals, researching your market, finding the proper asset(s), financing the purchase of the asset(s), receiving income from the asset(s) and/or selling the asset(s) at a higher price than what you have paid for it. Real estate entrepreneurs typically estimate ROI â€" the return on investment of the asset in question, as a way of evaluating whether it is worth purchasing.DETERMINING ROIROI, in a real estate context, can be calculated in a couple of ways. The basic ROI formula for any investment is:ROI = (Gain from investment â€" Cost investment)/Cost of investmentBut this method does not fully incorporate costs or changes in equity. Two alternate methods are the Cost Method:Cost Method of ROI = Equity/Costs of purchase and improvementswhich incorporates any anticipated changes in equity, and the Out-of-Pocket Method:Out-of-Pocket Method = Equity/Costs of purchase and improvements + loan-related costsMost real estate in vestors prefer the Out-of-Pocket Method. These formulas should be taken as a starting point, as they do not take into account factors like time spent on repairs, tenant management, sudden falling real estate prices, difficulties selling the property, or other unforeseen occurrences that can affect the success of failure of a real estate investment.MAKING MONEY WITH RESIDENTIAL REAL ESTATEThere are a number of ways to make money in the residential real estate market, including making home improvements, flipping houses, owning and renting property, investing in residential real estate, and investing in mortgage notes.Home ImprovementsReal estate entrepreneurs often make improvements to residential properties to increase their value. They use this increased value to justify selling the property for more than they paid for it. This strategy is commonly employed when flipping houses. Sometimes, entrepreneurs will look for distressed properties â€" properties with liens on them, or in nee d of substantial repair in order to be issued a Certificate of Occupancy. The latter are known as fixer-uppers, and should be carefully assessed prior to purchase to ensure profitability.Buying and Selling (Flipping) HousesOne of the most common ways to make money with residential property is by flipping it. this involves buying property, often at a discount to its market value, and selling it for a higher price. Frequently, once residential property has been purchased, the new owner will make improvements, designed to drive up the value. Once the entrepreneur is able to obtain an appraisal for the property substantially higher than what they paid for it (minus expenses), then they will sell it for a profit. The typical time frame is 30 to 60 days. The difficulties of obtaining a mortgage for a property other than one’s primary residence can make this a high-risk strategy.Often entrepreneurs will flock to areas in which real estate prices are rising. They may buy a residential pro perty at or above market price, and/or at a premium to its underlying value, with the expectation that they can sell it at an even higher price. This can be a dangerous game however, as rising asset prices often are a part of an asset bubble â€" in this case, a real estate bubble. When the bubble bursts, it’s not uncommon for investors to lose more than they paid for the property.Owning and Renting PropertyMany real estate entrepreneurs buy residential property to rent to others. Expenses can be considerable, including closing costs, maintenance and upkeep, property taxes, any existing debt, and problem tenants, among others. Because of this, this strategy makes sense when the rental income minus expenses is a net positive. This is known as a cashâ€"flow positive property.Once you purchase one property and build up some equity, lenders typically will lend you money for additional investment purchases (usually no more than 80% of your accrued equity).Investing in Residential Real E stateOther entrepreneurs buy and hold several residential real estate properties for property appreciation and rental income. Historically, in the U.S., home prices have appreciated over the long-term, and some analysts, such as Bespoke Investment Group, predict that globally, home prices will continue to appreciate over time. Some entrepreneurs purchase a property or multiple properties they feel will be appraised at a much higher value over a long time horizon (15 to 30 years or more). They may then sell those properties for a profit, keep them as a store of value, or hold onto them in the hopes of further appreciation. Long-term buy and hold strategies often involve improvements on the properties in question. Additionally, they often employ a property manager or the services of a property management firms to manage their holdings, uninterested in the day-to-day work of being a landlord. Again, these entrepreneurs look to build portfolios of properties for which the rental income minus expenses (including the services of a property manager/property management firm) is a net positive.Investing in Mortgage Notes Some real estate entrepreneurs buy and sell mortgage notes, to and from other investors, banks, and financial entities. The entrepreneur who owns a mortgage note owns a homeowner’s mortgage debt and is entitled to the mortgage payments the homeowner might otherwise pay a bank or other mortgage originator.Zhang Xin, Chinas Self-Made Real Estate Billionaire BUILDING A BUSINESS BASED ON COMMERCIAL REAL ESTATEAnother way to make money in real estate is building a business based on commercial real estate. The most common is a holding company â€" a business entity designated as the “owner” of residential or commercial real estate property. Such an entity often provides the true owner certain tax advantages and insulates them, to a certain extent, from some forms of personal liability relating to property ownership. One can, and should, set up such an e ntity to buy; own and rent; and invest in commercial property.Buying Commercial PropertySome real estate entrepreneurs seek to make their fortunes buying commercial property. Much like with residential real estate, they can do this with the intentions of making improvements on the property, driving up the value, and selling it; renting the property to commercial tenants; or holding it for price appreciation, in addition to rental income. Commercial real estate is often thought of, but is not limited to “office space”; it also can include retail storefronts; industrial buildings; multifamily apartments (usually four units or more); hotels; land; entertainment venues, such as casinos or concert halls; or sporting venues, such as stadiums or golf courses.Owning and Renting PropertyCommercial property rental income can be extremely lucrative, depending on the property, location, and tenants. A long-term lease of a retail space in a centrally located building could be worth anywhere from tens of thousands of dollars to millions of dollars per year depending on the location and size of the space.Investing in Commercial Real EstateReal estate entrepreneurs often invest in commercial real estate, developing portfolios of properties that not just provide lucrative rental income, but are also expected to appreciate in value over time. Many of these investors roll over the profits from their successful properties into new ones, leaving the daily management of the properties to property management firms.Investing in Real Estate SecuritiesReal estate entrepreneurs can also invest in real estate securities, including, but not limited to REITs and municipal bonds. REITs are a form of limited partnership that is securitized. The limited partnership invested the monies raised from the sale of its securities on the capital markets in real estate, usually commercial. The limited partnership handles the day-to-day management of the portfolio of properties, including buying an d selling them. The securities trade on the capital markets based on the market assessment of the limited partnership’s value.Municipal bonds are issued by cities and states to raise funds for a number of different municipal initiatives, including capital construction projects. By investing in the debt issued to finance the securities, you are, in essence, investing in public property. Municipal bonds often come with certain tax exemptions, which can be advantageous to bondholders.REAL ESTATE FINANCINGReal estate purchases can be financed in any number of ways. The easiest is an outright cash purchase, for those who can afford to do so. However, ­many real estate transactions are debt financed. Some entrepreneurs use home equity lines of credit, buy new homes while renting out their existing ones, or purchase duplexes or multifamily homes. It’s critical to know the keys to obtain favorable loan terms, such as having a sizable down payment and a strong borrowing profile, and loo king at neighborhood banking institutions and alternative lenders, such as peer-to-peer lending institutions for options and flexibility. Sometimes the property owner will even assume the note for your purchase, meaning you pay them directly, a method known as seller carry-back. A thorough understanding of real estate financing methods is critical to your success.ECONOMIC TRENDS AFFECTING THE REAL ESTATE MARKETReal estate entrepreneurs should be aware of a number of key trends affecting the real estate market. They include, but are not limited to:interest rates â€" how expensive it is to borrow money;homeownership rates â€" a gauge of demand for primary residences;rental vacancy rates â€" a gauge of demand for residential rental properties; andgeo-demographic shifts â€" where people are moving to or from.There may be more or fewer factors at play with your planned investment, but it is critical that you know how all the key trends affect your market(s) of interest.KEYS TO SUCCESS TO BECOME A REAL ESTATE ENTREPRENEUREach successful entrepreneur’s path is different, but there are some commonalities. Successful real estate entrepreneurs are clear about their real estate goals, often writing them down before taking any other step. They understand their market(s), because they do thorough and rigorous research. They determine their time horizon and exit strategy before entry. They put together a team of professionals to compensate for their knowledge deficiencies, including but not limited to: real estate agents, contractors, lawyers, appraisers, lenders, marketers, and accountants. And they do their due diligence.Real estate entrepreneurs need to be tenacious. Real estate investing is not an easy thing to do and there are many people trying to do it. Successful entrepreneurs stick with their plan, adjusting it to address challenges, often setting aside a set time per week to pursue their real estate goals. It is also critical to study trends and use them to find opportunities.Barbara Corcoran on Risk-Taking, Failure and How to Get Back Up CHALLENGES OF BEING A REAL ESTATE ENTREPRENEURIn addition to the aforementioned asset bubbles, financing is one of the biggest challenges in real estate entrepreneurship. It is challenging to be successful with a less than stellar credit history, or during periods where regionally or nationally, lenders are making fewer loans.Another challenge is finding properties that provide the proper return on investment. For one, there are many real estate investors and aspiring real estate investors. Further, many properties require substantial work, rather improvements, payment of liens, or other investments of time and money. The time required in particular may not make particular properties worth it to investors. Finding those ideal properties that, after the time and cost, provide a lucrative return requires tenacity.Other challenges include the many variables at play. With a typical rental property â€" commerc ial or residential, a hundred things could go wrong over which the investor has little control, from inclement weather to nightmare tenants. Proper contingency planning is essential. In fact, contingency planning is one of the only things in real estate entrepreneurship over which an investor does have control.EXAMPLES OF REAL ESTATE ENTREPRENEURS Donald Trump © Flickr | Gage SkidmoreThere are many examples of successful real estate entrepreneurs, but perhaps none more visible and vocal than Donald Trump. Trump has amassed a multi-billion dollar portfolio of commercial real estate across the globe. Another is Steve Wynn, who helped revitalize the Vegas Strip, through the development and refurbishment of popular Vegas resorts, such as the Bellagio, which his company owns.On a smaller scale, real estate entrepreneurs like Janet French, owner of SilverMoon Entities, rehab, flip, and acquire income generating properties. But not every entrepreneur makes their money through property ownership. There are a lot of steps in the process of acquisition and opportunities to make money along the way. For example, take Ankit Duggal, the founder and owner of RER, LLC, which started as a firm focused on structure short sales for homeowners facing foreclosure, and now makes money by flipping these properties. While their paths may have been different, each of these real estate entrepreneurs set goals, researched opportunities, implemented their plan, and made adjustments to overcome the challenges they encountered. Image credit:  Flickr | Gage Skidmore under Attribution-ShareAlike 2.0 Generic.

Becoming A Real Estate Entrepreneur Everything You Need To Know

Becoming A Real Estate Entrepreneur Everything You Need To Know Traditionally, there are a few ways to make serious money as an entrepreneur. They include business ownership; securities investment and speculation; and, perhaps the most personally rewarding, real estate entrepreneurship. Not for the faint of heart, making money in real estate is filled with potential challenges and pitfalls. But with an understanding of the various real estate entrepreneurship strategies, proper implementation, assessment, and adjustment where necessary, one can make substantial profits. The first step is understanding how to make money in real estate. © Shutterstock.com | Sergey NivensIn this article, we will cover, 1) strategies for making money with real estate, 2) determining return on investment (ROI), 3) making money with residential real estate,  4) building a business based on commercial real estate, 5) real estate financing, 6) economic trends affecting the real estate market, 7) keys to success to become a real estate entrepreneur, 8) challenges of being a real estate entrepreneur, and 9) examples of real estate entrepreneurs.STRATEGIES FOR MAKING MONEY WITH REAL ESTATEThere are a number of ways to make money in real estate, including, but not limited to:owning and renting residential property;buying and selling residential property;improving residential property to increase its value;investing in mortgage notes;owning and renting commercial property;buying and selling commercial property;investing in commercial real estate;and investing in real estate securities, such as real estate investment trusts (REITs) and municip al bonds.Broadly speaking, each strategy involves determining your goals, researching your market, finding the proper asset(s), financing the purchase of the asset(s), receiving income from the asset(s) and/or selling the asset(s) at a higher price than what you have paid for it. Real estate entrepreneurs typically estimate ROI â€" the return on investment of the asset in question, as a way of evaluating whether it is worth purchasing.DETERMINING ROIROI, in a real estate context, can be calculated in a couple of ways. The basic ROI formula for any investment is:ROI = (Gain from investment â€" Cost investment)/Cost of investmentBut this method does not fully incorporate costs or changes in equity. Two alternate methods are the Cost Method:Cost Method of ROI = Equity/Costs of purchase and improvementswhich incorporates any anticipated changes in equity, and the Out-of-Pocket Method:Out-of-Pocket Method = Equity/Costs of purchase and improvements + loan-related costsMost real estate in vestors prefer the Out-of-Pocket Method. These formulas should be taken as a starting point, as they do not take into account factors like time spent on repairs, tenant management, sudden falling real estate prices, difficulties selling the property, or other unforeseen occurrences that can affect the success of failure of a real estate investment.MAKING MONEY WITH RESIDENTIAL REAL ESTATEThere are a number of ways to make money in the residential real estate market, including making home improvements, flipping houses, owning and renting property, investing in residential real estate, and investing in mortgage notes.Home ImprovementsReal estate entrepreneurs often make improvements to residential properties to increase their value. They use this increased value to justify selling the property for more than they paid for it. This strategy is commonly employed when flipping houses. Sometimes, entrepreneurs will look for distressed properties â€" properties with liens on them, or in nee d of substantial repair in order to be issued a Certificate of Occupancy. The latter are known as fixer-uppers, and should be carefully assessed prior to purchase to ensure profitability.Buying and Selling (Flipping) HousesOne of the most common ways to make money with residential property is by flipping it. this involves buying property, often at a discount to its market value, and selling it for a higher price. Frequently, once residential property has been purchased, the new owner will make improvements, designed to drive up the value. Once the entrepreneur is able to obtain an appraisal for the property substantially higher than what they paid for it (minus expenses), then they will sell it for a profit. The typical time frame is 30 to 60 days. The difficulties of obtaining a mortgage for a property other than one’s primary residence can make this a high-risk strategy.Often entrepreneurs will flock to areas in which real estate prices are rising. They may buy a residential pro perty at or above market price, and/or at a premium to its underlying value, with the expectation that they can sell it at an even higher price. This can be a dangerous game however, as rising asset prices often are a part of an asset bubble â€" in this case, a real estate bubble. When the bubble bursts, it’s not uncommon for investors to lose more than they paid for the property.Owning and Renting PropertyMany real estate entrepreneurs buy residential property to rent to others. Expenses can be considerable, including closing costs, maintenance and upkeep, property taxes, any existing debt, and problem tenants, among others. Because of this, this strategy makes sense when the rental income minus expenses is a net positive. This is known as a cashâ€"flow positive property.Once you purchase one property and build up some equity, lenders typically will lend you money for additional investment purchases (usually no more than 80% of your accrued equity).Investing in Residential Real E stateOther entrepreneurs buy and hold several residential real estate properties for property appreciation and rental income. Historically, in the U.S., home prices have appreciated over the long-term, and some analysts, such as Bespoke Investment Group, predict that globally, home prices will continue to appreciate over time. Some entrepreneurs purchase a property or multiple properties they feel will be appraised at a much higher value over a long time horizon (15 to 30 years or more). They may then sell those properties for a profit, keep them as a store of value, or hold onto them in the hopes of further appreciation. Long-term buy and hold strategies often involve improvements on the properties in question. Additionally, they often employ a property manager or the services of a property management firms to manage their holdings, uninterested in the day-to-day work of being a landlord. Again, these entrepreneurs look to build portfolios of properties for which the rental income minus expenses (including the services of a property manager/property management firm) is a net positive.Investing in Mortgage Notes Some real estate entrepreneurs buy and sell mortgage notes, to and from other investors, banks, and financial entities. The entrepreneur who owns a mortgage note owns a homeowner’s mortgage debt and is entitled to the mortgage payments the homeowner might otherwise pay a bank or other mortgage originator.Zhang Xin, Chinas Self-Made Real Estate Billionaire BUILDING A BUSINESS BASED ON COMMERCIAL REAL ESTATEAnother way to make money in real estate is building a business based on commercial real estate. The most common is a holding company â€" a business entity designated as the “owner” of residential or commercial real estate property. Such an entity often provides the true owner certain tax advantages and insulates them, to a certain extent, from some forms of personal liability relating to property ownership. One can, and should, set up such an e ntity to buy; own and rent; and invest in commercial property.Buying Commercial PropertySome real estate entrepreneurs seek to make their fortunes buying commercial property. Much like with residential real estate, they can do this with the intentions of making improvements on the property, driving up the value, and selling it; renting the property to commercial tenants; or holding it for price appreciation, in addition to rental income. Commercial real estate is often thought of, but is not limited to “office space”; it also can include retail storefronts; industrial buildings; multifamily apartments (usually four units or more); hotels; land; entertainment venues, such as casinos or concert halls; or sporting venues, such as stadiums or golf courses.Owning and Renting PropertyCommercial property rental income can be extremely lucrative, depending on the property, location, and tenants. A long-term lease of a retail space in a centrally located building could be worth anywhere from tens of thousands of dollars to millions of dollars per year depending on the location and size of the space.Investing in Commercial Real EstateReal estate entrepreneurs often invest in commercial real estate, developing portfolios of properties that not just provide lucrative rental income, but are also expected to appreciate in value over time. Many of these investors roll over the profits from their successful properties into new ones, leaving the daily management of the properties to property management firms.Investing in Real Estate SecuritiesReal estate entrepreneurs can also invest in real estate securities, including, but not limited to REITs and municipal bonds. REITs are a form of limited partnership that is securitized. The limited partnership invested the monies raised from the sale of its securities on the capital markets in real estate, usually commercial. The limited partnership handles the day-to-day management of the portfolio of properties, including buying an d selling them. The securities trade on the capital markets based on the market assessment of the limited partnership’s value.Municipal bonds are issued by cities and states to raise funds for a number of different municipal initiatives, including capital construction projects. By investing in the debt issued to finance the securities, you are, in essence, investing in public property. Municipal bonds often come with certain tax exemptions, which can be advantageous to bondholders.REAL ESTATE FINANCINGReal estate purchases can be financed in any number of ways. The easiest is an outright cash purchase, for those who can afford to do so. However, ­many real estate transactions are debt financed. Some entrepreneurs use home equity lines of credit, buy new homes while renting out their existing ones, or purchase duplexes or multifamily homes. It’s critical to know the keys to obtain favorable loan terms, such as having a sizable down payment and a strong borrowing profile, and loo king at neighborhood banking institutions and alternative lenders, such as peer-to-peer lending institutions for options and flexibility. Sometimes the property owner will even assume the note for your purchase, meaning you pay them directly, a method known as seller carry-back. A thorough understanding of real estate financing methods is critical to your success.ECONOMIC TRENDS AFFECTING THE REAL ESTATE MARKETReal estate entrepreneurs should be aware of a number of key trends affecting the real estate market. They include, but are not limited to:interest rates â€" how expensive it is to borrow money;homeownership rates â€" a gauge of demand for primary residences;rental vacancy rates â€" a gauge of demand for residential rental properties; andgeo-demographic shifts â€" where people are moving to or from.There may be more or fewer factors at play with your planned investment, but it is critical that you know how all the key trends affect your market(s) of interest.KEYS TO SUCCESS TO BECOME A REAL ESTATE ENTREPRENEUREach successful entrepreneur’s path is different, but there are some commonalities. Successful real estate entrepreneurs are clear about their real estate goals, often writing them down before taking any other step. They understand their market(s), because they do thorough and rigorous research. They determine their time horizon and exit strategy before entry. They put together a team of professionals to compensate for their knowledge deficiencies, including but not limited to: real estate agents, contractors, lawyers, appraisers, lenders, marketers, and accountants. And they do their due diligence.Real estate entrepreneurs need to be tenacious. Real estate investing is not an easy thing to do and there are many people trying to do it. Successful entrepreneurs stick with their plan, adjusting it to address challenges, often setting aside a set time per week to pursue their real estate goals. It is also critical to study trends and use them to find opportunities.Barbara Corcoran on Risk-Taking, Failure and How to Get Back Up CHALLENGES OF BEING A REAL ESTATE ENTREPRENEURIn addition to the aforementioned asset bubbles, financing is one of the biggest challenges in real estate entrepreneurship. It is challenging to be successful with a less than stellar credit history, or during periods where regionally or nationally, lenders are making fewer loans.Another challenge is finding properties that provide the proper return on investment. For one, there are many real estate investors and aspiring real estate investors. Further, many properties require substantial work, rather improvements, payment of liens, or other investments of time and money. The time required in particular may not make particular properties worth it to investors. Finding those ideal properties that, after the time and cost, provide a lucrative return requires tenacity.Other challenges include the many variables at play. With a typical rental property â€" commerc ial or residential, a hundred things could go wrong over which the investor has little control, from inclement weather to nightmare tenants. Proper contingency planning is essential. In fact, contingency planning is one of the only things in real estate entrepreneurship over which an investor does have control.EXAMPLES OF REAL ESTATE ENTREPRENEURS Donald Trump © Flickr | Gage SkidmoreThere are many examples of successful real estate entrepreneurs, but perhaps none more visible and vocal than Donald Trump. Trump has amassed a multi-billion dollar portfolio of commercial real estate across the globe. Another is Steve Wynn, who helped revitalize the Vegas Strip, through the development and refurbishment of popular Vegas resorts, such as the Bellagio, which his company owns.On a smaller scale, real estate entrepreneurs like Janet French, owner of SilverMoon Entities, rehab, flip, and acquire income generating properties. But not every entrepreneur makes their money through property ownership. There are a lot of steps in the process of acquisition and opportunities to make money along the way. For example, take Ankit Duggal, the founder and owner of RER, LLC, which started as a firm focused on structure short sales for homeowners facing foreclosure, and now makes money by flipping these properties. While their paths may have been different, each of these real estate entrepreneurs set goals, researched opportunities, implemented their plan, and made adjustments to overcome the challenges they encountered. Image credit:  Flickr | Gage Skidmore under Attribution-ShareAlike 2.0 Generic.