1st person got it right…. if you have the cash pay down difference, keep in mind you have commission, closing cost, title, etc etc…. also, banks/lenders… majority of the time, will not modify your loan… don’t believe the hype.

Plus, if you’re not interested in a short sale… you’re probably not behind on your payment.

Last option…. get creative =)

You become the bank (depending on the loan you have)… owner finance for someone else, who cannot get a conventional loan. Lease it out with an option to buy. They pay higher payments then rent because they “have the option to buy and your the bank” also… you can set the contract to have them do all the maintenance, insurance, and taxes.

Oh, make sure to collect a down payment just like they are buying =)

do your best to fix it up and sell it. i used to live in Baltimore (charles village) and was so lucky to sell my house a couple years ago. everything is going down in value instead of up so you should bail out as best as you can. find a decent realtor and make it look as nice as you can, dont try to sell it yourself and keep on them to take nice pix and promote it. i’m sorry you still live there and hope it works out.

read rich dad, poor dad, by robert kiosaki

If your not interested in a short sale you could pay the difference between your selling price and the current mortgage to your mortgage holder. Another option might be to negotiate with your lender to write of some the mortgage and then to sell it.

TRY MLM ; DONALD TRUMP RECOMENDS IT, SO DOES ROBERT KIYOSAKI;

Quick money !
and a flow of money !

Do you have a PayPal Account? (If not, the set up takes 10-15 minutes.)

You could make up to $50,000 in one month’s time with more money coming in every month thereafter!

$50,000 in PayPal?

That’s Right! $50,000 dollars in your PayPal ACCOUNT, IT WAS
PROVEN ON OPRAH and this system is COMPLETELY LEGAL!!!

You may have heard of this program (or one like it) on 20/20 or even in the Wall Street Journal. $10 that’s all it takes. I’ll try to keep it short and sweet.

To get started just copy this whole page and paste it to edit it. Simply follow the instructions below and in 2 to 3 weeks, you will have as much as $50,000 dollars in your PayPal account or even more.

Most people respond to this program because of the low investment ($10 dollars) and the high profit potential. There is no limit to the income you can generate from this (you can do it over and over). If you follow the instructions, you will reach thousands of people! Honesty, Faith, and Integrity make this system work.

I think everyone has heard of PayPal. Anyone with an e-mail address can join for FREE! If you’re not already a PayPal user, the first thing you need to do is sign up.

Sign-up for paypal here

It’s really easy to set up and it’s FREE!!! Just make sure you have a Business or Premier account or you may be subjected to a monthly income limitation, which may slow this program down.

Send $5 to the first person on the list by using the paypal send money feature, and include in the email: PLEASE ADD ME TO YOUR LIST. This keeps the program legal. Then send another $5 to the 5th person on the list, with an email that says, THANK YOU, I’VE JOINED.

Remove the 1st e-mail address and place your address at the bottom. This moves the 2nd to 1st, 3rd to 2nd, 4th to 3rd, and the 5th place into 4th.

DO NOT TRY TO PLACE YOURSELF IN THE FIRST PLACE. IT WILL ONLY REACH THE PEOPLE YOU SEND IT TO, AND THEN YOUR NAME WILL BE REMOVED FROM THE LIST!

If you do this the way it was designed, it will reach thousands by the time your name gets to the top. REMEMBER TO SEND a $5.00 dollar donation to the 1st e-mail address and the message “PLEASE ADD ME TO YOUR LIST,” and send an email with the words ‘THANK YOU. I’VE JOINED” and the other $5.00 donation to the 5th person. This helps the 5th person keep track of progress of the letter and continue to send out more emails. Here is the list:

1.
2.
3.
4.
5.

(Make sure it’s the same e-mail address that you used to open your PayPal account. This is the way you will receive payment)

Now that you have paid the 1st person and 5th person and sent them both an email, a note, and placed your e-mail address in the 5th place, then what you need to do is post your letter. You can post on craigslist.org, message boards and newsgroups (there are thousands!), and you can even send in an email to your email list. IT IS YOUR JOB AS THE 5TH PERSON ON THE LIST TO ENSURE THERE ARE AT LEAST 20 “THANK YOU. I’VE JOINED” replies. The fifth person is the guardian of the system! If there are not at least 20 replies then the fifth person will keep sending/posting the letter until there is.

MAKE SURE YOU SEND $5 DOLLARS TO THE FIRST PERSON TO THANK THEM FOR WHEN THEY WERE THE GUARDIAN OF THE LETTER AND $5 DOLLARS TO THE FIFTH PERSON SO MORE EMAILS CONTINUE TO GO OUT!

Now the fun happens. We reap what we sow. Other people will see you’re posting and do the exact same thing, bringing you lots and lots of dollars!!
Seriously, it is common sense. You do it and 25 or more people see and do the same thing so on and so forth everyone wins!

You will receive thanks AND THE SAME BLESSING. When your name is on the 1st slot, 8,000 to 15,000 people will send you 5 dollars! Keep in mind the most you spent is $10 DOLLARS! (Remember this: what goes around comes around!)

******************************…

TESTIMONIALS:

Mary Gatters, Columbus, SC:

I only have one thing to say to you: OH MY GOD! I sent out 142 copies total before 20 replied, like the instructions said. Then I went on a short vacation. When I got back my account had over $32,000 dollars in it already and the money was still coming! I’m still floating on air (especially with my new car). I thought the guardian system sounded cheesy, but now I realize it is the formula that makes this letter really work! THANKS!

Richard Barrie, Boulder, CO:

I was shocked when I saw how much money came flooding into my PayPal account. Within 3 weeks my account balance has ballooned to $22,449. At first I thought there had been some sort of error with my account!”

Here are the step-by-step directions again:
Step 1.

Set up your PayPal account, if you don’t already have one, and send the top name (1st person) $5.00 dollars. DON’T FORGET to include “Please add me to your list.” This is important as it keeps the program legal.

Step 2.

Send the other $5.00 dollars and an e-mail stating, “Thank you. I’ve Joined” to the 5th name on the list.

Step 3.

Remove the top name; bump the other 4 names up one place each. Place your name in the bottom slot and you will receive a minimum of $100.00 or more from your efforts.

Step 4.

Keep sending/posting the letter until you get 20 “Thank you. I’ve joined” replies in your mailbox.

That’s it. It’s that simple!

Please give it an honest effort, you will not be disappointed and will be very glad you did when it starts to work. Remember, all you are going to be out of pocket is about the cost of a couple of coffees with the opportunity of banking thousands of dollars into your PayPal account! Take the smallest risk of your life. Take 10-20 minutes to work on this small project and reap the rewards.

This seriously will work if you keep it going, this is a unique system for normal folks to get extra cash through a simple smart program. Just think about it, it makes complete sense. You will see once the money flows in! God bless!!

I can show you the details of my success in the past.

I also handle way more money than whatever you may have. (I suppose you have less than $100,000,000.00 USD)

I don’t do semi decent accounts.

I am a Portfolio Manager with over a decade of experience in the Stock Market.

Drop me a line.

I can fly to wherever you are right now and talk about it in person.

I don’t sell ebooks.
You don’t have to sell anything.
You don’t have to get involved in some money making scheme…

You only need to open a brokerage account at Goldman Sachs, Morgan Stanley, Merrill Lynch, Fidelity or Charles Schwab and I will buy the right stocks at the right time and sell the wrong stocks at the right time while you are playing Golf.

If you need more detailed FREE information just let me know.

Not an easy solution to this question. What is your investment time horizon? Short, middle, long term, or a combination of these. Short being 2-3 years, middle about 10, and long term being retirement goals. Your overall portfolio should work to satisfy goals for different investment lifetimes. In the end most of us save and invest in order to secure our financial well-being and smooth our consumption over the long run.

There is no single solution. There is no such thing as a risk-free investment that will generate returns above that of US T-Bills (which currently yield +/- 4.5% annually). Risk drives return. The key is understanding the types and sources of risk and managing your risk by being exposed to the right kind and the right amount of risk within your personal risk tolerance. The greatest advantage of having a large amount of money is that you can diversify your portfolio enough to mitigate your risk.

Two great resources for understanding the statistical relationship between risk and return, and the science of investing is and

The best way to accumulate wealth over time is by being in the stock market the right way. “Basic”, “boring” Index investing, by using the “plain” principle of the time value of money and compounding returns is the only proven way to make money investing over the long term.

If you are an accredited investor, and it sounds like you are, I would also consider different private equity/debt investments as healthy additions to your portfolio. There are almost unlimited numbers of private deals that have potential for exceptionally high returns. But they also come with a great amount of risk.

I apologize for not being able to give a single answer. But the reality is that there are too many factors to cover with the kind of consiceness expected in such a forum as this.

There are lots of different ways to make money. It all depends on how much risk we’re willing to take.

Good luck.

There are only 4 ways to make money/increase your net worth. You have already stated that you are not going to invest in CA real estate which I agree is a good move at this time. You have also said the stock market is too “volatile” from which I would say, “When is it not volatile?” For stock market info I recommend the book “You Too Can Be a Stock Market Genius” by Joel Greenblatt. I have had great success with the stock market but I am not out to sell my “secret” to anyone. All the books I have read are available now at the local bookstore.

The other ways are to advance your career or W-2 job (if you have one) or to own or partner in business(es).

You can be someone’s angel investor, including to yourself except it sounds like you are not up for starting a business. You can’t fix this omelet without getting your hands on the eggs and doing all the work that comes with it.

So that is all 4. If someone tells you there is another way they are selling something, but it sounds like you are hip to the modern day schemes of poor-minded people pretending to be wealthy and intelligent.

Essentially, you ask an intelligent question but there is no “easy” solution, but I think you already knew that. Everyone wants to make the quick buck. In fact, people will lie, cheat, and steal if they believe it will make them rich. Americans will sacrifice their values, character, and full integrity if it means they can make a family member happy with wealth and provision. Hence the disgusting websites selling made-up “products” and “secrets they don’t want you to know.”

Few at all are willing to work for it with their bare hands. So instead, people scheme.

Be blessed,

Depends on the person. Two items that affect their income is volume (number of loans they close) and how aggressively they price their loans. With the real estate market booming and the rates being so low the last three years, loan officers stood to make quite a bit (everyone was buying and refinancing). Even inexperienced loan officers did well previously. When the market was hot, I saw good loan officers making around the $300,000 mark. But now things have slowed sales wise and rates have risen (not as many refinances). Some who made easy money previously have little to no pipeline now. Its sales - you need to build a referral base and be persistent. A good loan officer can still make over $100,000 per year. It can be a tough business (just like any competitive commission sales career).