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By David Castellini
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First, the definition of a Promissory Note: (A promissory note is defined as 'A financial instrument containing an express and absolute promise of signer (i.e. maker) to pay a specified person or order, or bearer, a definite sum of money at a specified time.) Usually, a Promissory Note is constructed during a tangible property sale event where the property seller 'takes back' a promise-to-pay (Promissory Note) instead of Cash.
Owning a promissory note, instead of requiring cash, sounded like a good idea at the time you sold your real estate or business or accepted your Structured Settlement because you would have a guaranteed steady stream of monthly payments at a reasonable interest rate. Right?
Then, you soon found out that:
1. The interest rate you charged is now too low,
2. The payor of the note doesn't always make the payments on time so you have to call and demand the payments,[link widoczny dla zalogowanych],
3. You have to pay taxes on the income,
4. You figured out that the value of your note diminishes everyday, and,
5. You could put the lump sum of the note money to better or now-needed use.
So, you decide to sell your promissory note.
1. First you went to your bank and they wouldn't buy it nor did they have any information about how to sell it.
2. Next, you asked your friends and one said 'Find a Note Broker'. So, you searched on the Internet and found a million web sites all purporting to be able to buy your note. You talked with a few but didn't get any satisfaction or few return calls. Now the frustration sets in.
Here's how the Note Buying business works:
1. Notes are purchased by seasoned,[link widoczny dla zalogowanych], reputable investors seeking long term returns on an investment using their own money. Investors can be individuals, groups, companies, pension funds or specialty funds.
2. A note is valued according to the long term yield to the investor. It’s named, ‘Time Value of Money’. Or, a dollar today is worth more than a dollar tomorrow. Therefore, your note can be purchased at a ‘discount’ or less than its current principal amount in order to provide the investor’s needed long-term-yield.
3. The note yield and value is determined by the Note Interest Rate,[link widoczny dla zalogowanych], the credit score of the note payor,[link widoczny dla zalogowanych], the term of the note, the payment schedule, the Loan To Value Ratio (LTV), the payor's equity in the property, the security for the note and the 'terms' of the note.
4. Your note can be purchased by an investor based on his/her required note type, note criteria and required yield.
5. Note investors specialize in different types of notes. Some buy only 1st Deed of Trust Real Estate Notes or Mortgages, some buy only Business Notes or Annuities, etc.
To make a long story short... you don't know if the person you are talking to is a Broker or an Investor or both or what note type, criteria and yield he/she requires. Frustrating. Now you think all note investors and brokers and the whole note buying industry is sleazy,[link widoczny dla zalogowanych], unethical, unprofessional and worthless. Well, I'll admit that part of that is true for many unprofessional brokers but REAL Investors and REAL Brokers are here, honest, professional and provide a valuable service. How do you know? Just ask him or her if he/she is a Broker or Direct Investor, what types of notes they desire and what is their criteria and process. More on this in another article.
1,[link widoczny dla zalogowanych]. This is what you need to know and do regarding your promissory note:
a. The value of your note is determined by when and how you construct it. When constructing your note, assume you will want to sell it within the first year. If constructed properly and professionally, it will have high value. Professionally means using the services of an experienced Business or Real Estate attorney to construct your Note. Never use one of the simplified Note Forms available anywhere. Think about it... why do you think Real Estate Lenders use exquisite, complex, complete Loan Documents that are constructed for their own lending criteria? Next, Real Estate secured notes are valued on the appraised value or sale price of the property minus the payor equity and the credit worthiness of the payor. Business Notes are valued on the note payor credit worthiness and historic business performance.
b. The highest valued notes are those that the current Note principal amount is not more than:
i. 80% of the sales price of the Real Estate if it's a 1st Deed of Trust Note/Mortgage, or 20% if a 2nd Deed of Trust and the total of a 1st and 2nd doesn’t exceed 80% of the sales price or,
ii. If a business note, 67% of business sale price.
c. The payor (the person) responsible for the performance (payments) of the Note credit score must be above 640 (the national average credit score is 678). The lower the credit score, the less your note is worth. Always obtain a current Credit Report on the payor(s) before concluding a note transaction. You have the legal right (by virtue of the Federal Fair Credit Act) to request or obtain one because you are or are going to be their creditor. Go to [link widoczny dla zalogowanych] and click on Consumer Info to obtain a Tri-Merge credit report (it will provide you a payor score and report from each of the three credit reporting agencies). You will need the payor's full name, address,[link widoczny dla zalogowanych], SS# and birth date. You do not need your payor’s approval to obtain their credit report because you are going to be the payor’s creditor.
d. The Note payments should be monthly.
e. The Note terms should be:
i. For Real Estate Notes: 'Amortized Monthly, Payments in Arrears'. Or, Amortized Monthly, Payments in Arrears for 15-30 years with a full Balloon payment due in 5 years. Try not to accept an 'Interest Only, Full Balloon at the end' Terms.
ii. For Business Notes: ‘Amortized Monthly, Payments in Arrears for no more than 5 years’.
f. Your Note should carry an Interest Rate tied to Prime + 2%. Prime at this date is 8.25%.
g. Your Business-Promissory-Note should have a Collateralized Personal Guarantee from the payor equal to the Original Principal Amount of your Note. This Collateral should be tangible, like Real Estate, that is owned by the payor outside this note transaction.
h. The above are the basics. Your accomplished attorney should know how to construct your note correctly and salable. You should also tell him he can contact Dave at Note Funding Center for knowledge and instruction.
Now, Selling your Note:
1. Your first goal is to receive a cash-purchase-quotation. Only Direct Investors can provide this. A broker will take your information, find an investor, obtain a quote then present you with that quote less his fee. Sometimes Brokers have private investors that will pay you more net-cash then you can get from traditional sources, but your note has to be perfect.
2. Gather all the information about your note. You can find the note questions you have to have answers for at [link widoczny dla zalogowanych][link widoczny dla zalogowanych].html . Here you just click on the ‘Type of Note’ and appropriate Note information Worksheet displays asking all the questions needed to provide a cash-purchase-quotation.
3. Find a reputable and professional Note Broker or Direct Investor. Search on the Net with keywords: sell note,[link widoczny dla zalogowanych], note buyers, sell mortgage, mortgage buyer, sell business note, business note buyers, sell annuity, annuity buyer, sell structured settlement, structured settlement buyers. You will find Note Funding Center plus hundreds of others. Contact, by phone or email, the ones you like and ask questions.
4. If you want to use a Broker: (i) A Professional Note Broker will request specific information about your note; (ii) He will package the information and contact us and other Note Buyers he has brokering agreements with; (iii) Some will broadcast your note to everyone on the Net; (iv) Broadcasting will devalue your note to almost $0.00; (v) So, if you want to use a broker, ask him to provide you with the list of his contracted buyers he is sending your note to and agree in writing that he only present your note to those you have agreed.
5. If you want to list your note for sale on the Internet yourself,[link widoczny dla zalogowanych], there are many Note Listing sites to do so and investors will sometimes find your note and contact you. But, we don’t recommend this because your note will be known as ‘Broadcasted’ or ‘Shopped’ which is a RED alert for we investors that there is something wrong with your note.
6. A Note Investor/Buyer like [link widoczny dla zalogowanych] will request detailed information about your note, the note security and the note payor before providing you with a cash-purchase-quotation. Logical, right? We need to know, just like you, what we are investing in.
7. You should receive phone and email communications from your selected Broker or Investor prior to receiving a cash-purchase-quotation. In our case, after 30 years in the business and 50% referral customers, we contact you within 1 day of your note information submission and explain the process, provide you a personal supervisor and ask any additional questions. Then, after note-valuation, provide you a cash-purchase-quotation.
8. Your Note cash-purchase-quotation is usually a Net-Cash-To-You quotation. Sometimes it will be a partial purchase and/or a full purchase; sometimes it will have conditions like you providing Appraisal and Title. It should always state that the quotation, and subsequent purchase, is subject to all due diligence. If it doesn’t, it’s a phony quote. You should always know what your Net-Cash will be after selling and funding. Just ask.
9. After you accept the cash-purchase-quotation,
a. You will be requested to agree to the note-purchase-quotation and provide certain note related agreements and documents. (You already have the majority of the documents.)
b. The note-funding-processing-service will conduct ‘due diligence’ on the note, property,[link widoczny dla zalogowanych], documents, credit and history.
c. Assuming all the Note components pass the due diligence, your note will enter into “Transaction Processing and Funding” and you will receive your cash funds. Normally this process takes up to 30 days.
Bottom Line:
1. Your Promissory Note is your serious financial asset. Treat it with respect. Know everything about your note, its creation, its security and the payor.
2. Construct your note so that it is saleable at the highest possible Cash.
3. Have all the logical Note information readily available if you want to sell it for the most cash. See [link widoczny dla zalogowanych] for the information and documents needed. Or, call me.
4. Select one note buyer/investor/broker/listing service that you feel provides you the best service.
5. Inform your existing Note Payor, after you have accepted a cash-purchase-quotation and due diligence is accepted, that you intend to sell your Promissory Note of which he is the payor. He will have NO negative effects. The only change he will experience is to whom he makes his existing payments.
6. Don't get caught up in the excitement of the deal.
7. Heed all the above.
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List of Supporting Materials: It contains a table of graphs,[link widoczny dla zalogowanych], and charts that are used to give details of the data collected. This a pretext page that has a roman page number on it.
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Appendix or even Appendices: This contains a list of those supporting materials that are not placed in the dissertation but can be accessed to have greater details of the work. This section also has Arabic page numbers on it.
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Glossary: It is a list of technical terms,[link widoczny dla zalogowanych], key phrases, special names and abbreviations that are used in the dissertation. It may also come after the list of content page but has Arabic page number on it.
The tile page: On this page,[link widoczny dla zalogowanych], you put the title of your research with the researcher, supervisor and institute name,[link widoczny dla zalogowanych], and date. It comes in the pretext section without page number.
The table of content Page: It is a list of sections/chapters that are written in the dissertation. It is a part of pretext section with the roman page numbering.
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Copyright Dissertation Page: Put this page in the pretext section; however,[link widoczny dla zalogowanych], do not give any page count to it.
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An acne treatment that is commonly used by many is the Benzoyl Peroxide. Benzoyl Peroxide is an active ingredient that can cause chemical change to our skin when applied. This medication has been used for several years now. This ingredient is found on over-the-counter products like Exposed Acne Treatment and Clerasil.Benzoly Peroxide contains a chemical compound of benzoic acid and oxygen that peels off the upper layer of dead cells of the skin.Benzoyl Peroxide can be found in cleansers,[link widoczny dla zalogowanych], gels,[link widoczny dla zalogowanych], lotions and creams. It is far cheaper compared to other treatments and is noted for its mildness on the skin.
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Consider who/what you are working towards very carefully. Sometimes the best way to figure out what we do want is through a serious examination of what it is that we do not want! Write out lists, pros and cons etc.

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Many new small business owners also sabotage their success by stubbornly refusing to focus. There is a fear of success and it feels safer to stay small. Owning a small business is like taking a full time personal growth workshop. You have to keep peeling off the onionskins and look at the deeper issues that might be holding you back.
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2,[link widoczny dla zalogowanych]. You will get way more referrals because people will know exactly what your specialty is and who to send your way.
For example:
What exactly is niche marketing and what does this term mean?
It’s about developing products or services that are directly fulfilling the needs and wants of a specific and narrow group.
Marketing experts say that the narrower the niche, the stronger your business will be, as long as you choose a niche that is accurate and reflects an authentic need.
5. People will see you as the expert in your area. People would always prefer to work with an expert so you will more likely get asked to speak to groups, write articles and be a presenter at conferences or trade seminars in your area.
I know someone who offers fitness training for women age 50-80, who are either disabled or recovering from an accident or surgery. This is an excellent niche because woman in that category have special needs and want to work with someone they trust will understand their exact situation. They have many emotional concerns that accompany their desire for physical help,[link widoczny dla zalogowanych], and they will be less likely to hire someone who seems like a generalist or works with everyone. They don’t want to end up in a class with young fit people or men.
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Her business would limp along rather than flourish.
The idea that you will leave people out by focusing on a niche is actually incorrect and in fact it is the opposite.
Many years ago I also faced all the above fears. I was afraid to name my niche. It was illogical based on all I knew,[link widoczny dla zalogowanych], so I had to look deeper. My niche is solo-business owners who offer services to help people. I was resistant for all the reasons above. I didn’t want to leave out retail, or people with employees,[link widoczny dla zalogowanych], executives etc. It’s crazy because those people still call me too,[link widoczny dla zalogowanych], but when I finally named my niche, my business began to steadily grow.
Niche marketing is essential because:
Many of the issues above are actually thinking errors. Thinking errors are viewpoints based on inaccurate factual data.
Last year I met a woman who built a multi-million dollar business developing t-shirts and tops for menopausal women. The fabric allowed perspiration to evaporate quickly so it was perfect for women who had night sweats and hot flashes. She was a savvy entrepreneur. If she worried about focusing on a niche, she may have provided a whole clothing line for all age women and men and watered down her message. Instead she stuck with this one product line and her business grew through the roof. Her customers loved that someone had created a business to specifically help them. They felt understood.
I find that women entrepreneurs, especially, have a resistance to this approach. Some of the deeper issues that emerge for people include:
4. You will have a much easier time establishing strategic partners as they will know exactly who to send your way. They will trust your expertise and also see you as the company to connect with around this niche group.
3. Your clients will easily be able to tell their friends about you and refer people to work with you. It will make it easy for them to rave about you being a specialist.
Solo-business owners seem to have such a struggle around the whole idea of niche marketing. Of all the concepts I teach my clients, this is the one that is the most challenging for people. In theory people get it, but in practice, it tends to throw them into full on fear-based reaction.
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3. Say to the person on the stage,[link widoczny dla zalogowanych], "We have had our time together and it's now time to move on. I forgive you for all hurts and set you free. Do you forgive me?" Now, realize that all of this is going on energetically within you. In order to move on, forgiveness is freedom. If you hold on to hurts and injuries,[link widoczny dla zalogowanych], you are only continuing to hurt yourself more. It's affecting you, not the other person. So, by forgiving, you're not freeing the other person as much as you're freeing yourself. If you have trouble with this, ask your Spiritual Self for help with forgiving and move on to the next step, then go over the whole process again another time until it all feels good.
4. Picture all the energetic cords running from you to this other person and from the other person to you. All the cords created over the time of the relationship. Take an imaginary knife, or violet fire sword, and swing it through all the cords. Imagine the sound it makes as you cut the cords...ffffft...ffffft! Just imagine severing all of them,[link widoczny dla zalogowanych], sealing the ends and having all that energy return to you. That is exactly what it happening. All that energy IS returning to you. Claim it. Own it. It's yours.
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2. Now picture pure, loving Light coming in through the top of your head and moving through your heart, streaming down to the heart of the person on the stage.
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1. Picture a stage below you. On that stage, picture the person you want to get over.
9. Now, now, stop looking at the back in time and turn around, look off into the future at all the amazing possibilities that lie before you. Life is good. Choose well.
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Breaking up IS hard to do. Sometimes,[link widoczny dla zalogowanych], after all the decisions are made, the moves taken care of and the lifestyles adjusted,[link widoczny dla zalogowanych], it's still hard to let go of focusing on your 'ex'. Thoughts and feelings can still dominate you despite your best intentions to move on. So, how to do really get over someone and get on with your life?
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5. Now have the stage and person dissolve into the Light and feel all that new energy within you. Energy from the cut cords flooding into you, the Light from above filling you with Love.
One of the most beautiful things about Huna,[link widoczny dla zalogowanych], is ho'oponopono, which means 'making things right'. Huna is a very ancient psycho-spiritual system whose core is harmony and love with yourself and the world. Try this Huna exercise to free you and help you move on.
By Pamela A. Turner, M.Ed., C.Ht.
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The reason why it's so hard to let go is because your energy is still tied up in the old relationship. We all have energy bodies and when we interact with other people we make connections with their energy bodies. The longer the relationship lasts and the more emotional it is,[link widoczny dla zalogowanych], the stronger those bonds. So, the person can be gone,[link widoczny dla zalogowanych], but the bonds are still there. And, since energy follows thought, as long as you keep thinking of the other person,[link widoczny dla zalogowanych], the longer the bonds have a hold on you.
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In the previous age,[link widoczny dla zalogowanych], man was not a social being. Then there was no need of conducting socially. They were barbarous. The ages passed away and the need of society felt. People then established society for their own need. The misbehavior,[link widoczny dla zalogowanych], thus,[link widoczny dla zalogowanych], is reduced to a lower position for the need of society and the fear of getting punishment form the head of the society. The rule of social relationship thus increased and the people grasp it for their own need. Some took it in their heart by birth that what should be done and what should not to be done. Some took the subject as a researching matter how the social relationship may increase and the invisible strings of relation may be sweeter to all members of society.
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