Content was, is and will be king

It’s what can make or break it. It’s what matters at the end of the day. You can pack anything in fancy wrappers and present it with a taste like no one has seen before. You can surprise people to open the elegant package and anticipate wonders. but if the content is not up to par, it will leave a bad taste in consumers’ mouths and you will lose them forever. This is exactly why content matters. Let me rephrase it. This is why unique, exciting, original and thoughtful content is important. It can be in any form; be it a video, a solitary social media post, a Gif, an article, an infographic or an Instagram story; But the heart of the matter is the content. Here’s why content is, was, and always will be king. And especially when it comes to the digital space. Everything and nothing; be it branding, marketing or advertising; the content is the most important. Here’s why content was, is, and always will be king.

Engagement Catalysts:

Good content stimulates the user to talk, act on the form of the content and interact with it. In the social media driven world, a single like or thumbs up is no longer enough. The old five-step process of pause-read-like-share-follow is all about authentic, high-quality content. Otherwise, you are just one of the posts or content that people scroll through and get lost in the crazy social media scene. Make them care. That’s what content is for.

Want to sell? Use good content.

Being in a branding agency, we understand the impact that good content has on brand awareness and the stamp of authority it imposes. Even when trying to sell a product, try to make the content not sound like a pitch a salesperson would give. If you want the user to genuinely care about and engage with your brand, your content needs to make them feel comfortable and make them feel like the brand cares “more than just wanting us to buy their product.” Try too hard to sell and the corner will back down. Turn them into brand advocates and fans of your product with good content, consistently.

Great content doesn’t describe the product, it adds to it.

What else can you do? The product has been created and has a specific purpose, whatever the field. Now, the customer-facing aspect is the product and ‘how you present it to them’, and that’s where good content can make or break. And the customer will always look for what adds the most value to their current situation, or solves a problem, nothing else will. The intangible value is considered more important than a merely functional one. There’s a reason the DIY videos, how-to videos, and small cooking videos on Tasty work like magic.

Enables higher engagement and drives more traffic

Good content is a gift that keeps on giving. And if you consistently deliver it, it adds more traffic to your website. The period of stay on the website, recurring customers, advertisements and referrals; it’s all based on how good the content is and it has the power to capture and then hold the customer’s interest. Engaging content leaves a certain impression, and that’s hard to remove, be it positive or negative.

It is a boon for search engine optimization.

Nowadays it’s all about search engine rankings. As a social media agency/brand agency that ventures into digital every day, we receive many requests from clients that start with “How can I be seen on the first page of Google?”. Our answer is great content. Add to that internal inks, relevant keywords, and links to other websites, etc. it helps in how the product will be perceived. Also, don’t forget how it works wonders for a backlink profile.

We could go on and on, but that would be overdoing it. Let us know your thoughts on why content is king.

Stock market investment: reliable or bet

There is an old metaphor that says, “Money makes money.” This can literally be applied today to the generation of capital through investment in the stock market. Generally, people have savings in the form of cash or jewelry. But it won’t do any good if the economy suffers from inflation or if the value of the currency falls. So what can be a safe investment that is reliable and productive? Well, the answer is investing in the stock market. The stock market is part of a system in which companies or shares of listed companies are bought, issued and sold. But for some people it’s no better than a dark abyss and a hazy casino of gambling savings. Contrary to common thinking, the stock market is a much better investment option than classic investment areas such as time deposits and gold bonds.

Basic concepts that one must learn before starting the investments in the stock market

It is such a pain to lose money and that is why no one wants to lose their savings accumulated through hard work. Also, some people have a higher investment threshold than others. If a person is considering diverting their savings as a stock investment and is upset about the loss that could occur, they should not have invested in the first place. However, before investing one must have a clear mind on a few things.

Here an investor sells any particular value of his property as well, another who is interested in buying it. Since both investors cannot be absolutely correct, it can be called an adversarial system. For a better understanding, we can assume that one investor will make a profit and the other will definitely suffer a loss.

The opinion of the main investors, natural calamities, political and social instability, supply and demand, risk and the abundance or lack of alternatives. These factors are compiled with the relevant published information, which creates an overall sentiment (ie bearish and bullish) thus influencing the corresponding buyers and sellers.

The real profit is found in the gradient of buying and selling prices of a stock. The best time to buy is when other investors are bearish. At the same time, the best time to sell is when other investors are bullish.

Pros and cons of investing in the stock market

Just like any other investment option, the stock market also has its advantages and disadvantages.


1. Great opportunity for extremely good returns in a short period of time.

2. Minority ownership. It may seem like an exaggeration, but putting money into the shares of a reputable company also makes the person part owner of the company. It doesn’t matter if the investment was big or small.


1. Brokerage of commissions. Every time a person trades his stock, he becomes responsible for paying a certain amount to the broker’s commission and kills the profit margin.

2. It is very time consuming. Investing in the market is not the same as putting money to win a lottery. Here one has to comply with multiple paperwork, so it becomes slow.

Tips to make bathroom cabinets last longer


Selecting a material that is capable of handling the humidity in this room is vital to making sure they last a long time. If a material is chosen that is not made to withstand moisture, it can expand and warp, resulting in a room that looks less than new. Bamboo is one of the few materials that can withstand a bit of moisture for a long period of time without changing size.


Making sure cabinets are made of a durable material is also key to long-lasting good looks, especially in homes with younger children. Softer woods, like pine, make a beautiful cabinet, but they also tend to dent and scratch easily. Younger children tend to be a bit rougher about everything, and can leave a new bathroom cabinet looking less than new in a matter of weeks.

Harder woods, like oak, are less likely to dent as easily and are more likely to leave a lasting impression on guests. Bamboo is another great choice for cabinets in homes with young children.


Ensuring that bamboo cabinets, as well as cabinets made from other materials, stay clean will help them last. The cleaning process will often vary depending on the type of material used. For example, a bamboo cabinet can be cleaned with just a cloth and water. Sometimes stronger chemicals can be used on other materials. It’s important to know what cleaning solutions to use and to clean bamboo cabinets as often as necessary for long-lasting good looks.

preventive check

From time to time, homeowners are advised to simply check bamboo cabinets to ensure all hinges are still working properly, all screws are tight, etc. This can make them durable. For example, if the screws in a hinge are loose and the owners don’t know it, they will never be tightened. The hinge can then fall off, causing the door to crash to the ground and damaging the wood. A quick look at the screws and hinges can easily prevent this problem.

Clean up spills immediately

Kitchens and bathrooms are the most common places for spills. Allowing any liquid to sit in a pool on a cabinet can and will eventually damage the wood. If this happens more than once, it will result in various spots on the wood being worn and damaged, and the cabinets will look awful. They will last if homeowners clean up spills as soon as they happen instead of letting them sit until the room is cleaned later in the day.

check weight

Drawers and shelves often have a weight limit. Homeowners should always check the weight limit and make sure they’re not packing too much on shelves or in drawers. This will cause the shelves to break or the bottom of the drawer to fall off.

Cabinets have the power to make a home look beautiful and brand new, or the potential to make it look like it’s slowly falling apart and in desperate need of a makeover. These simple tips will help all homeowners help keep their home looking great and new for years to come.

Automotive Safety & Warning System – Freightliner Alarm

After spending money on a Freightliner truck you probably won’t sit back and relax because the next thing on your mind is how safe it is. Installing an alarm in your car is one of the best and cheapest ways to protect your car from thieves. A car alarm is a device that is installed in the car as a security measure with the ability to produce a loud sound when triggered. The sound can be in the form of pre-recorded sound or information, a siren, or flashing lights.

Investing in a car alarm will give you peace of mind knowing your car is secure. Installation of these car alarms is simple and will not take much time. They can be installed at the factory while the car is being built, or you can install them yourself by purchasing the alarm accessories and following the instructions provided. Your car dealer can also install them for you.

Car alarms are available in the market with a variety of features. Some of these features include a keyless entry system that allows you to lock and unlock the doors without inserting the key, another feature is the shock sensor that makes a loud sound when activated to alert you in case of any security issues. A remote start is another feature of these alarm systems. This allows you to start your car even when you are not yet seated. It also allows you to set your vehicle’s temperatures to provide a cooling or heating effect depending on what makes you comfortable. A camera can also be included to allow you to see images of your car’s surroundings, allowing you to be aware of what is happening.

You can include any or all of these features on your Freightliner truck. Having more features provides more security than having fewer features. The internet also offers a wide variety of car alarms that you can choose from. Their prices are also included to allow you to choose the best alarm at the most affordable price.

You could be using your Freightliner truck to transport valuable bulky items, or to transport business products for your customers, losing these valuables to thieves would be an absolute nightmare because you will incur a huge loss. Installing a car alarm system won’t cost much, but it will keep your truck safe and protect your customers’ items.

Mom blog for fun

If you are a mother looking to help your family financially, while also finding a new hobby, then you should consider blogging. Starting a mom blog offers a variety of different benefits, many of which most moms don’t realize or fully understand until they get a foothold in the world of online blogging. Luckily, starting a blog is not very difficult and is something you can do at your own pace. So if you have a lot of downtime between afternoon naps and playdates, then starting a blog is something you can easily do. Here are some other reasons why you should consider starting a blog as a stay at home mom.

Help the family financially
Most of the reasons moms decide to stay home is because their spouse makes more money and it makes sense for mom to keep things tidy in the home. However, being a single-income household can be difficult, and a mother can certainly feel the stress that comes from not having a full-time job. Well, stress no more! Blogging is a great option when it comes to jobs for stay at home moms as it is a way to earn extra money. It may only start with a few hundred dollars a month, but it can certainly grow to be more with enough love, care, and attention. If you want to be a contributing member of your family’s finances, blogging is a great way to do it.

You can choose what you write about
Another great reason to start a mommy blog is because you have the opportunity to write about anything you choose. If you want, you can write about your experience as a mother and what you have to deal with on a daily basis. But if that’s not your thing, you can also write about countless other options and whatever you think is specific to the things you enjoy. There is no limit in terms of what you can write as there are many markets that may be interested in the content you create.

Blogging can be done anytime, anywhere
If you have an active child who is always going to soccer practice or piano recitals, it can be hard to keep a steady job. But with blogging jobs for stay at home moms, you can choose when he will work and where he will work from. If you have a laptop, you can take it with you and jot down some new content while you wait for soccer practice to end. Or if you have time while your child is doing something active, this is another great opportunity too. But what may be the best part is that if you start earning enough money for yourself and your family, you may even be able to take a vacation. And unlike most jobs, you can still write while on vacation and still earn money while enjoying your experience.

Blogging is a very popular platform in today’s online world. So if you’re looking for a job that allows you to stay home and take care of your kids, consider how starting a blog might be just what you need to keep yourself busy and help your family too.

Non-surgical body contouring, which method works best?

Alternatives to non-surgical liposuction are big business. Perhaps you have undergone one of these treatments or you are thinking about it. There is a lot of expectation, so it is important to know what each treatment can achieve before taking the plunge and paying a not insignificant sum of money for a treatment.

There are several methods of body contouring. Most work with the idea of ​​removing subcutaneous fat cells (fat just under the skin instead of inside the body). However, one method, the Contours Body Wrap, works by stimulating the muscles to give a temporary tightening effect and using mineral clays applied to the body to supposedly remove toxins from cellulite problem areas. (Cellulite according to some people has a dimpled appearance due to the toxins it contains). In fact, the treatment provides a loss of inches that can last around 30 days. In fact, it guarantees inch loss or your money back. Beware though, the company claims that you will lose six inches and this is a point that many treatment professionals are guilty of; because the given measurements are cumulative. In other words, the practitioner will measure you in several different areas and add them all up! The treatment consists of the application of electrodes to the skin for muscle stimulation and also the application of a clay body treatment. can be a bit messy! A loss of 1 or 2 cm can usually be measured immediately after treatment for a single measurement.

Of the localized fat reduction techniques there are three contenders. Laser Lipolysis, Ultrasonic Cavitation and Cryolipolysis or ‘Coolsculpting’ as it is sometimes called. (Coolsculpting is actually a registered trademark of Zeltiq but it describes very well what the procedure does.)

Laser Lipolysis or Laser Lipo for short has been a popular salon treatment for a while now. The treatment works by using a particular frequency of laser light that penetrates about 6cm into the subcutaneous fat layer and causes the fat cells to release their stored content, deflating them and causing inch loss.

How it actually works is a bit more complicated. Each fat cell contains a mixture of fat, sugar and water, this mixture is called triglycerides. In every cell there are basic structures called mitochondria that are the powerhouse of the cell. When the body exercises and has run out of available food-derived fuel, the mitochondria in the fat cells signal the cells to start releasing their fat content for the body to use as fuel. Changes then occur in the cell membrane; it becomes more permeable and this allows the fat to be released. This fat is absorbed by the lymphatic system and transported to where it is needed. The frequency of laser light used in Laser Lipo mimics this signal and activates the mitochondria to release fat from the cells. This fat is then absorbed by the lymphatic system and slowly used by the body for fuel.

The desired area is treated by applying paddles that are embedded with cold laser diodes, the light of which penetrates the skin to the subcutaneous fat layer and causes the fat cells to release their content. With Laser Lipo, it is important to exercise after the treatment to ensure that the fat is burned, as the fat cells can reabsorb it. You will need eight to ten sessions to achieve good results. Session prices typically range from £40 to £60 for a single treatment on a single area. I would not have more than two areas treated at a time. Treatments can be done twice a week. It can be used on any area of ​​the body except the breasts. Vigorous exercise is required after treatment for up to an hour to minimize the risk of plumping fat cells. Small results, usually 1 or 2 cm of loss, can be measured immediately after treatment.

Ultrasonic cavitation is a completely different treatment than laser lipolysis. As its name suggests, it uses ultrasound. Cavitation is the term given to the spontaneous formation, expansion and contraction of small microbubbles within a liquid. In fact, cavitation is a phenomenon that in most cases we seek to avoid because it is destructive. The phenomenon is known in engineering, where it can cause serious structural damage to moving parts, such as ship propellers. However, in a medical setting where it is applied in a very controlled way, it can be used to selectively destroy fatty tissue. What makes this treatment so different from laser lipolysis is the fact that it not only empties fat cells, it destroys them, meaning those cells can’t just refill with fat. The body will have to make new fat cells, and as long as your weight is stable, this is something you don’t want to do. The body only makes new fat cells when the old fat cells have reached a certain capacity. The area is treated by massaging it with an ultrasound transducer. Ultrasound waves penetrate the targeted areas and cause the destruction of fat cells.

You will need about five to eight treatments to achieve good results. Treatment prices range from £80 to £100 per treatment per area, but you should be aware that this may offer you a more permanent fat loss treatment than laser lipolysis. You will not have more than two areas treated at one time. One treatment every week to ten days to allow the body to properly eliminate fatty tissue as metabolic waste. It can be used on any area of ​​the body except the breasts. Post-treatment exercise is not required. Small results, usually 1 or 2 cm of loss, can be measured immediately after treatment with further reductions for up to a week as the body breaks down the cells.

Cryolipolysis again works differently than laser lipolysis or ultrasound cavitation, but like cavitation, the fat cells are destroyed rather than simply emptied. Cryolipolysis uses extreme cold to selectively kill fat cells. The method was developed by Harvard University after scientists analyzed old data from the 1960s that pertained to studies done on a condition called popsicle panniculitis. Popsicle panniculitis developed in children who ate a lot of popsicles. They lost some of the fat in their cheeks and the link between cold and fat cell death was established. This phenomenon has been refined and perfected to become one of the most innovative treatments in recent years. The area is treated by suctioning the fatty tissue into an applicator where it is cooled to a point that causes the fat cells to die but does not damage the skin or other tissues. The treatment can reduce fat cells by up to 25% in a single treatment session. However, the downside is that it can only be used on loose grease that can be absorbed by the applicator. Therefore, a sagging tummy is an ideal treatment area, while firmer fat in the thighs, for example, is not.

You will need only one treatment per area and you may have up to six areas treated at one time. Prices range from £600 to £1000 per area. Only suitable for softer fatty tissues such as the stomach, flanks (love handles), upper arms, and possibly inner thighs or inner knees. Post-treatment exercise is not required. results take about eight weeks to develop, but the wait is well worth it.

Radio frequency. Although not specifically a fat reduction treatment, it deserves a mention here because it can treat and improve the appearance of cellulite. It works on the fat layer and reduces it, but not enough to be used alone as an inch loss method. However, because it works so superficially, it is ideal for treating cellulite. Cellulite is the firm but dimpled fatty areas typically found on the thighs and buttocks of women. Radiofrequency waves penetrate this layer and cause micro-trauma to the connective tissues (collagen) embedded within the fatty tissues, causing new collagen to be produced. This new collagen replaces the old damaged collagen structures, giving the area a much more uniform appearance. The radiofrequency will also act to a small degree on the fat cells, causing them to release their contents, helping to soften and smooth the area. Radio frequency will also help tighten loose skin after weight loss. Post-exercise treatment is not required. Results, not loss of inches but a smoother contour as cellulite is reduced.

So which method is best for body contouring? Well, it very much depends on what you’re trying to accomplish. If you just want a temporary fix to look great for a special occasion, a contouring body wrap works well.

If you are a very active person who just wants a little adjustment to your waist circumference, laser lipolysis will work just fine. Your activity levels should prevent the fat cells from refilling and the treatment is now quite inexpensive compared to the other methods.

For general reduction in the size of an area, for example, waist circumference, thigh circumference, etc., ultrasonic cavitation is a good option, especially if you don’t like to exercise.

To target pockets of fat like the tummy bulge, cryolipolysis works better than any other non-surgical treatment available today, delivering significant fat reduction in a single treatment. Although not cheap, the cumulative costs of the other treatments can add up to as much as a cryogenic treatment and remember that you only need one treatment to get the results you want.

Radiofrequency is excellent for targeting cellulite areas and also for loose skin after weight loss.

Music – The Lost Industry?

This may be a very bold statement, but online session singers and online music created in online studios are the future!

If you look at the way the music industry and all of its offshoots are going over the last 10 years, it’s clear that there are a lot of big studios that can’t afford to operate the same way they used to. Combine that with the fact that technology is advancing faster than ever in the past and you have a perfect storm for creating great music in the smallest of settings. The era of the session musician agency has arrived!

Many may feel that the great days of the music industry are now lost, but it’s also easy to believe that a new era of even better things can happen. The playground has now been leveled, and thanks to plug-ins and digital audio workstation programs, all kinds of people can now create music and express themselves musically.

Fortunately, there is still no plugin that can get you a great singer! Now when you find a brilliant and unique singer, you can have them on your project by going to the online music production company of your choice and have the singers put their voice on your project without even knowing them. The technology is really brilliant.

The music industry is at a point of renaissance. Some say all is lost, but there are still plenty of ways to enjoy the process and creativity that goes into making great music. People who are new to the music industry and are actually making a record can, with a little imagination, end up co-producing or even producing a great record. Maybe that’s why music download and streaming sites have millions of songs in their databases. There are also many success stories of lesser artists who have been making their music at home, posting their homemade songs and videos on the internet and gaining massive recognition and eventually securing huge record deals due to the following they have created.

Before looking back, look forward to all the wonderful things that are happening, and it’s just the beginning! There are acts all over the world that can now communicate with each other, collaborate online and create great music to entertain the masses. This begs the question: did the record company artists and repertory people always get it right? Maybe we’ll all know in another 50-100 years when future generations listen to the music of the last 500 years and judge for themselves what the biggest era/mistake in music was.

The best cream for firming facial skin: Cynergy TK and Phytessence Wakame are the answers

If you want your face to look well-toned, smooth and flawless, then you must use the best facial skin firming cream. There are so many brands out there claiming to be the best; however, most of them don’t get the job done because they don’t contain the right ingredients. Therefore, this article will tell you the effective ingredients to look for when choosing the best face cream for skin firming.

As you age, your body produces less collagen and elastin; these are the two proteins that literally hold your skin together. The shortage of collagen and elastin leads to the appearance of lines, wrinkles and sagging. Therefore, the best facial skin tightening cream should help increase the amounts of these two vital substances in your body.

You would think that collagen creams are the best options; however, they do not work. First, the collagen and elastin molecules are very large; therefore, they do not penetrate inside when applied to the skin. Second, the keratin in those creams has been denatured due to the high temperature associated with the widely used hydrolyzing method during production.

The best face cream for firming skin should contain Cynergy TK because it is a functional keratin; the gentle solubilization method used in its extraction helps preserve the natural state, making it bioavailable to your skin. It has also been proven to prompt your body to make collagen and elastin naturally. Therefore, Cynergy TK helps make your skin firm and smooth; It also helps remove wrinkles, lines, and age spots, leaving your skin looking youthful, radiant, and flawless.

Another effective ingredient to look for in the best facial skin firming cream is Phytessence Wakame; this helps to strengthen the collagen and elastin fibers, thus restoring the elasticity of the skin. It does this by preventing the harmful enzyme called hyaluronidase from destroying hyaluronic acid in your body.

You should not use products that contain harsh chemicals such as parabens, alcohols, fragrances, dioxane, and mineral oil because they are harmful to your body; they also damage the skin and make it age faster. Therefore, the best skin firming face cream should contain all natural ingredients; the natural ingredients are compatible with the human body and have no negative side effects.

Now that you know the effective ingredients to look for in the best facial skin tightening cream, I hope that you will make the right purchasing decisions from now on. For more information on how to make your skin look younger and more beautiful, please visit my website.

Companion animals: three legal issues to consider before adopting

Companion animals can be wonderful additions to a home or family. They can provide everything from companionship and cuddles to protection and play. In fact, three out of five American households have at least one companion animal, according to the American Pet Products Manufacturers Association. If you find yourself among them or want to join their ranks, you’ll want to make sure you’re really prepared.

Most people understand that having pets is a big responsibility, one that begins when you start looking for that special animal and lasts your entire life. They understand that there will be feeding, training and visits to the vet. Often, however, people overlook the legal aspects of keeping pets.

If you live in Wisconsin, these are the main legal issues to consider.

First, when looking for an animal to purchase and/or adopt, you should be aware of two laws related to animal care. The first is found in Chapter 951 and sets minimum standards for animal care, such as providing a certain level of shelter, food and drink, and prohibiting abuse and harassment. It applies to owners, outside caregivers, shelters, breeders, pet stores, and daycare centers. (Note that it will also apply to you once you have a pet.) It’s a sweeping law that guarantees basic care for animals of all kinds, from cats, dogs, and hamsters to horses and even snakes.

The second animal care standards law you should be aware of is ATCP Chapter 16 (sometimes referred to as the puppy mill law), it increases the standards of care for certain specific dog breeders and shelters, including

  • Dog breeders who sell at least 25 dogs a year, from more than 3 litters they have bred
  • Dog breeders from which at least 25 dogs are sold per year, from more than 3 litters
  • Dog dealers in the state who sell at least 25 dogs a year that are not bred or bred
  • Out-of-state dog dealers who import at least 25 dogs a year into Wisconsin, regardless of whether they were bred and bred.
  • Non-profit animal shelters and rescue groups that house/harbor at least 25 dogs a year
  • Animal control facilities that have a contract with a city, town, village, or county.

Under Chapter 16 of the ATCP, these entities must now be licensed, thereby ensuring satisfactory conditions in their facilities, and must have each animal certified by a veterinarian, provide vaccination records, and wait until the animal is seven weeks old to sell it. Consumers should be sure they are purchasing from a compliant party.

No license or inspection is required for pet owners, dog trainers, dog groomers, kennels, or anyone else outside of the above list.

Second, you must know the rules and laws that apply to your municipality and your community. Some developments have restrictive covenants that prohibit certain types of animals as pets, and rental and multi-family properties often prohibit all types of animals. Additionally, you must be aware of and comply with the animal licensing requirements in your city. It is better to know all that before taking the leap. Imagine coming home with your new Labrador retriever to discover that he is not allowed on your property.

Finally, make sure you understand your legal responsibility when it comes to your animal’s interactions with others. A dog that barks incessantly or bites your neighbor’s children or a snake that slithers through your pipes into another residence could spell big legal trouble for you. You’ll want to understand the risks and take steps to avoid problems before you bring your animal home.

When you consider that it’s not uncommon for dogs to live 12 to 15 years (cats often live even longer), it’s clear that this is a decision that requires careful thought. Weighing all the factors, from care to legal liability, can help you prepare and give you peace of mind when bringing your new partner home.

Sell ​​Your Property FAST: With an Owner Financed Mortgage Note

It is well known that homeowner financing sells properties quickly, especially in cases where the properties or prospective buyers do not fit the traditional loan/mortgage requirements. Seller offers to hold the mortgage note (owner financed mortgage) and receive monthly payments from Buyer as a bank would.

The problem with this approach has been that sellers sometimes don’t want to collect small monthly payments, but instead want to collect soon after closing to purchase another property, or for many other reasons. The benefits of owner financing are many, but sometimes they are not enough to help close a deal.

Basically, this is how an owner-financed real estate mortgage note works:

1. The seller sets the sale price exactly at appraised value and announces “Owner will finance…No bank qualification!”

Interested buyers go through a prequalification process to determine the best prospect.

2. Seller and Buyer agree on the structure and terms of the note to be created (the buyer of the note may provide some suggestions) and sign a Real Estate Purchase Agreement.

3. At closing, the Seller creates a first mortgage and shortly thereafter sells/assigns the mortgage note to the buyer of the note.

4. The Seller receives the initial payment from the Buyer plus the proceeds from the sale of the promissory note. In a seller-financed note purchase, the note buyer typically covers all closing costs and the cost of their own property appraisal.


Let’s say the seller owns a property that has been appraised at $100,000, but because it is not a conforming lot, they are having trouble finding qualified buyers. Buyers do not seem to commit to the purchase and those who do, do not get their mortgage approved by the Bank.

Seller has the house listed for $90,000, expecting to get $80,000-$85,000 after incentives and costs are paid. But even this price does not attract real buyers.

This is where a note buyer can step in. The seller would be advised to create a promissory note for $90,000, the rest ($10,000) would be the down payment. The interest can be 8%, term 360 months, paying $660.39 per month (Principal + Interest).

The note buyer would purchase this note for approximately $80,000 in cash shortly after the real estate closing. Add to this the down payment and the seller gets a total of $91,000 (less the closing costs of the real estate transaction).

Shortly after the real estate closing and after the new note is posted, the buyer of the note makes the purchase of the note and the Seller gets their money. A perfect example of how an owner financed mortgage makes a property sale possible. And there are no hidden fees or costs other than regular real estate closing costs that need to be paid anyway. The purchaser of the Note generally covers all closing costs for the purchase of the Note.

This approach attracts a good number of buyers and within a few days, the Seller can have their cash in hand.