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Having made my first million in real estate by my 25th birthday, it's a great pleasure for me to help other people achieve the same.

And do you know what the most common questions is? It's this:

"Robert, I don't have thousands to pay for a deposit or nonpayment on a property."

The thing is, many people are in the same position. They know how great property is as an investment, but they feel that the fact of a large amount in the bank means that they cannot invest in property.

Well today I am going to show you that this is not true at all in fact anyone can buy as much property as they want without a penny of their own money. So here are my insider top tips how I am my team do itweek in week

out!

Method 1-Key Worker Grants

The government starter home initiative is aimed at key workers, such as firefighters, nurses, and teachers, who cannot normally afford to buy houses in the areas that they work. The scheme is administered by community housing associations. who offer interest free loans to top up a mortgage and help with buying property.

Not living in the UK? Well check out your citizen advice bureau and find out if there is a similar program in your country!

Method 2-The Credit Card Secret

It is possible to obtain property with no money down using readily accessible zero interest credit cards.

If you are looking to purchase low cost properties, then this can be done by using credit cards. To do this, you simply apply for a credit card who issues associated cheques, such as Barclaycard or Citibank. There are many of these to choose from.

Remember that anything and everything in life is negotiable. That

means that if you think that that the credit limit on your card is low you can ask your bank to increase it. The thing to remember here is that they want YOUR business and they are a lot of hanks competing for it, so they will probably be more than happy to do this for you.

You can then use these credit cards to wither pay for deposit and then get a mortgage for the rest, or if your balance is high enough, the entire property.

The next step is then to apply for another credit card and then take advantage of their "introductory balance transfer rate" where you pay zero percent for around 6 months.

After about 5 months, you then apply for a third credit card offering this introductory rate.

It seems madness, but this is a very easy thing to do and it does work!. In fact many investors used this

idea to make their first property purchase- I know I did!

Method 3-Borrow Against Your Other Assets

It is normally possible and quite straightforward to borrow money on the strength of assets that you already have. These can be used as security and therefore allow you to obtain a loan for 100% of the value of the property.

Let me give you an example. You can get a 95% mortgage from a bank, but instead of using your own money to pay for the 5% deposit, you borrow it form the bank. Most banks are happy to do this.

The great thing about having property is that you can use it to raise funds by releasing some of the equity in it. This then can top used to pay the deposit of another. It's like a great snowball effect. This is a favourite of many of the Buy-to-Let landlords (though this only really works in

the properties are continuing to increase in value.)

Method 4-Form A Property Buying Syndicate

Here is a way of actually getting a property for nothing. What you do is put together a syndicate of people who will provide the money for an investment, or maybe just the down payment.

Imagine that you are investing in a property that is worth ₤90,000. You only need to find 9 people, each of whom put in ₤10,000. Since all of the money has been paid, you don't have to pay a penny. In fact your contribution as putting everything together. This is because you have gone to the trouble of attracting people to the syndicate and putting the deal together.

Since property investment is such a good investment, and more people are now realizing that, finding and creating a syndicate can be quite easy.

A word of warning though, it is vital that the syndicate is set up properly

and legal help and advise sought.

Method 5-Ask Someone To Act As a Guarantor For Tthe Loan

One option, if you can't afford a deposit, is to take out an unsecured loan. But if the bank finds you unsuitable, then one solution is to find someone who will act as guarantor for the loan. This can be a relative, aren't or friend.

In many occasions, people who use this technique tend to then rent out one of the rooms in their property to help pay the mortgage.

Remember, the UK government allows you to earn ₤4,250 a year tax free from this!

Method 6-Get A 100% Mortgage

These types of mortgages are very useful as you do not need to put down anything at all for a deposit. Although they are becoming more common in the UK, there are some drawbacks with them. First of all, they tend to have quite specific criteria for the people they

are available to. The normal criteria for this is your age or the amount of money you make per year. Furthermore, you might not be able to use them as a buy-to-let property.

These types of mortgages are almost unheard of in overseas property. So if you do find one, then that is an initiator that that investment might be worth checking out.

In Summary

So there you have it. The six methods I teach and practice to buy property without any of your own money.

I am using these methods to buy around 5 properties a month and continue to do so- the people I teach are achieving the same. In fact some of them have overtaken me! It's a great feeling knowing that the student overtakes the teacher- believe me.

The great thing it that by buying with "Other People's Money", you get to maximize your return on investment because as you know the

less of your own money that you put into a property, the higher your return.

And when you invest none, your return could be 500%, 800% even over 1000% in a single year. Try doing that with stocks and shares!

From bankruptcy to Multi Millionaire in 5 short years. Not only is Robert Gavin one of the most ingenious property experts, but he also shares his experience and skills with other people. To get your FREE Millionaire Property Course and find out how Robert Gavin and his team can help YOU become a Property Millionaire, go to: ==> http://www.propertyhorizons.co.uk

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Whether you are checking your email, shopping on a website or just searching for information, online ads are everywhere! A new marketing landscape, the Internet offers a new and cheaper advertising space, as compared to traditional spaces like print, television, radio and outdoor advertising. Its a revolution of sorts and small and home business owners are making the most of it.

For a home based start up, online advertising is a potent tool that can maximize visibility, drive traffic to the companys website, up the sales and build a solid brand in the process. Going to an expensive advertising agency to run your campaign would most definitely burn a hole in your pocket. The good news is you dont have to do that. Just remember the twin mantras of focus on what you want and a strong dose of imagination; and youll be on your way.

Take the guesswork out of online

advertising

Online advertising is not a function of elaborate guesswork and a myriad of hits and misses. Like the traditional offline version, online advertising must also follow some basic rules. Know what you want your advertising to do, where to get it and what to do with it once you have it. Here are some guidelines to get you started.
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1. Define your advertising objective: Shut the door, switch off the lights, take a deep breath and think why you need to advertise. Clearly define the goals you want your advertising program to achieve. Is it generating new leads, increasing the number of hits on your website, making your company visible in the market place or to increase on/off -line sales? Each goal will have a different advertising path. You can only expect your program to maximize returns, if you know for sure what you want your advertising to do.

2. Decide where you

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   want to be seen: It makes a difference to be seen in the right places. Like in offline advertising, the placement of your ad is very crucial to success. Advertising (Co-advertising for higher benefits) on websites that are most relevant to your line of business would be the best place. Also consider top Search Engines, Online Yellow pages, Service Provider directories and large sites or networks. Explore trade specific websites for a more focused audience.

3. Tailor the message for your target audience: when you want the caveman to listen, beat your chest! Craft your message to appeal to the target audience. Your message for a visitor on a trade forums website would be different from what you say to the guy clicking on your ad on a home business site. The trick here is to align your message to the mindset of your audience. Equally important is that the message should

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   convey the promotional goals your advertising desires to accomplish. So if you are selling ice to an Eskimo shopping in an Internet mall, dont forget to mention the discount on your season sale!

4. Be Creative: In a marketplace teeming with new ads you can easily get clobbered on the head with run-of-the-mill ad copy. Your most valuable asset in this crowd is your creativity, which will make your ad stand out. Be creative not only in the copy, but also in the placement of the advertisement. An online contact lens clinic pulls hundreds of people every day to take an eye test with a simple ad. The small 1 X 2 banner says, Think You Dont Need an Eye Test? in the same format as you see on the reading sheet in an optometrists clinic, with alphabets running vertically in a decreasing order. This is a classic example of a simple

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   but creative idea getting the desired results.

   Add more depth to your advertisement by using rich media like HTML, DHTML, Java and layered ads. Use animated messages doubled with pull down menus for better use of space and for expanding possibilities of response.

5. Choose the advertising medium well: They say, Well Begun is Half Done. If you are going to spend a sizeable amount of money on creating and placing ads, they should do more than just wiggle and pop. To maximize response, choose the advertising medium carefully. You have several choices like banner ads, contextual advertising, ezine advertising etc. Research and read on various formats and the factors for each ones success. Then decide on what format works best for your campaign. Once you have decided on the format, it is equally important to choose the vendor. If you have decided on banner advertising, research and list the websites that would give

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   you the maximum exposure to the right kind of audience. Check out the option of using advertising networks and the pay-per-click options as well. http://a1portal.com/

   Once your campaign has been set in motion, take care to monitor response and be ready to change or completely redo your copy and the advertising vehicles you use. Keep a track of the ROI (Return on Investment) for every advertising purchase that you make. This way you can figure out which forms of advertising are working for you and which ones arent.

All online advertising is aimed at inducing action. Every online ad that you see is built to make you act: Register for a free newsletter, buy now and save dollars, get a quote on your requirementsthe list goes on. The thing to remember here is that once the prospect has been pushed into an action, there should be real value for him at the

other end of the pop- up. Unless you can fulfill the promise your brand is making, your online ad has been wasted.

A well-planned and well-executed advertising campaign can fuel the growth of your home business tremendously. Use online advertising following some simple guidelines and see how it impacts your sales, visibility and brand building, all at the same time.

Also see: http://www.web-source.net/internet_advertising.htm

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