Thursday, March 27, 2008

How to run a FUNDRAISING CAMPAIGN

How to run a FUNDRAISING CAMPAIGN
What is Your Fundraising Goal?

Many organizations depend on fundraising to get the things
they need. People fundraise to get a new swimming pool for
their town, or to get special facilities for their school.
Sometimes people fundraise to get money for people who need
special health care or to help disabled or disadvantaged
people. Fundraising is always for a good cause and helps
people or organizations in their hour of need.

Once you take on the role of fundraiser, the first thing to
do is set a specific goal. Whether it's a large goal or a
small one, it needs to be phrased in a way that people can
relate to before they will get involved. Naturally the
fundraising is to raise money, but what is the money
actually for? Does the school need 10 new computers? How
would this change the lives of the children attending that
school?

The children won't just learn how to play games on these
computers, but they will learn skills that they will need
all through their working lives. It will benefit them
because they will be more employable if they are computer
literate. They will learn to do things on their school
computers that they would never learn just by having one at
home.

Once people can see exactly how they - or their children -
would benefit from these computers, they will get behind
the project and offer help wherever possible. This goal
will benefit teachers by making their work more interesting
and easier. It will motivate the children to learn since
most children love using a computer.

The next goal - or the sub-goal - will be to find out the
amount of money that is needed to achieve our goal. To do
this, we need to know how many computers are needed and
what sort they will be. Will there be printers and scanners
to go with them? Should they be networked? Who will
install them and see that they are running properly? There
may even need to be blinds installed to reduce the screen
glare. The money raised will need to cover all costs, not
just the purchase price of the computers. Each sub-goal
should be itemized with an approximate cost.

Other questions that need to be addressed for your
fundraising campaign are what specific activities you will
use to will accomplish your goal, and when they will take
place. A timeframe needs to be established, too. If there
is no time frame, the fundraising could drag on until
everyone is sick and tired of hearing about it. To have
specific goal of raising a certain amount of money by a
certain date gives people something to work towards and a
sense of satisfaction when it is accomplished. Does Your
Issue or Organization Look Worthy?

To fundraise successfully, your organization needs to look
worthy. How many times have you heard people say they
bought something they didn't really want simply because it
was for a worthy cause? If your organization looks worthy,
then people will support it; if it doesn't they won't. It's
that simple.

To get your organization to look worthy in people's eyes,
you need firstly to appeal to their emotions. This is done
by the correct marketing campaign and by the right
communication. You can see this by taking note of campaigns
for breast cancer awareness and others that are similar.

Firstly, you need to believe in it yourself. If you are
only half convinced in the worthiness of your organization,
then that will most certainly show in your manner and your
communication. Most people can spot lack of sincerity a
mile away and if you are not sincere or convinced of
worthiness, you won't be able to convince anyone else.

If you can get the support of someone who has the trust of
your community and who also has a high profile, then that
will help in the quest for a worthy 'look'. It may be a
doctor, a businessman, the town mayor or a politician. It
could be the dean of the local college or a well-respected
figure with a wider, national profile such as a politician.

It need not be just an individual who will lend worthiness
to your cause, but an organization. If you can claim that
the local tennis club or Rotary or Lions Club supports you,
then that will give you needed 'worthy' status as well.

If your organization does not look worthy, then prospective
donors will not be likely to donate. You must be
professional at all times by making sure the paperwork is
up-to-date and available should any ask to see it. You need
to have a person available to talk to anyone who should
want information. If all they can get is an answering
machine -though these have their place - then they will be
put off.

If your fundraising is ongoing, then you need to publish an
annual report and have it readily available. Donors need to
know that their money is being used wisely, so
communications with them is of prime importance. This
doesn't mean that they want to be pestered on a daily
basis, but they do need to know what their money was used
for, and that you are really appreciative of their support.
If they can be made to look good through their support,
then you will have a happy donor who is willing to lend
their status to your organization.

What Tools or Skills do You Have Available?

To complete a fundraiser successfully you need to have
access to various tools and skills. Tools you will need
could be a computer and the skills to use it. With a
computer, you can send email to those who are supporting
your cause and to those who are helping you with the job.
This will save you a great deal of time and energy - can
you imagine phoning 20 or so helpers to alert them to the
next meeting? Sure, you can advertise it in the paper, but
maybe they don't all subscribe to the paper.

Besides, with a computer, all the information is written
down and readily available and it didn't cost you anything
more than the time it took to prepare it. A phone is
certainly handy for that personal touch and for setting up
other appointments, so be sure you have access to one. If
you also have an answering machine, you'll find it
beneficial for taking those calls while you are out.

Communication skills are important in fundraising; if you
don't have them, get hold of someone who does. Look for
someone with a bubbly personality, a ready smile and the
gift of the gab. Some people say all you need is the mouth,
but you also need someone who is tactful and polite. If
they are also well liked in the community, then you have a
winning combination.

Logical thinking is also a skill much needed in fundraising
activities. For a person to get the support of a business
or organization they need to be able to verbalize the
details in a logical manner. If they jump from the end to
the beginning and then explain the middle, the person
listening is likely to be confused and consider the
proposal unprofessional. Their next step is a refusal!

Another skill that someone on your committee will need is
the ability to keep meticulous records. You will need to
keep minutes of meetings with a legible record of all the
goals and decisions made. Whether this is done on a laptop
or by hand in a notebook is up to the person doing it.

Bookkeeping skills are also essential. Since the goal is to
raise money, there will naturally be money involved and
you'll certainly need a record of who gave what. Even the
smallest raffle needs to be carefully recorded so that
everyone can see where the money came from and where it
went. This will ensure that everything is open and above
board. Financial records are a must.

...More to come tomorrow...


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For more information on fundraising and how to set-up your
fundraising campaign. Please visit:
http://bigimpactaudio.com/fundraising

Importance of Life Insurance

Importance of Life Insurance
Every year, millions of dollars are being spent on the life
insurance and in present days .More families are likely to
be purchasing more insurance than ever before. Demand for
life insurance has actually made the insurance cost to the
skyrocket. Because the need for life insurance will always
be required by the families the stipulation for insurance
will keep on increasing. Obviously for few individuals life
insurance is a main concern over other insurances such as
property insurance and auto insurance. But one of the most
surprising things is that that there are many people
holding insurance policy is not even aware of its working.
This is may be possible because people who want insurance
are not familiar with the terms that insurance policies
basically use.

There are many people who are aware about the significance
of the life insurance. It is generally unpredictable what
would going to happen next thus, everybody require life
insurance due to the uncertainties of life. The primary
reality concerning life insurance policy is that the policy
cannot insure any person against passing away, but actually
it protects the dependents of deceased person against
certain economic losses that results from death of the
bread winner. Life insurance basically ensures that the
family of deceased person does not suffer from much loss.

Word "life insurance" do not warrants that it will cover
the dependents for lifetime. The term usually known as
policy could be for 10 years or may be 5 years, since it
totally depends upon the alternative of a person. The
policy of life insurance facilitates people with the
payment amount of insurance to members of family on passing
away of the bread earner. In this process there are 3
parties occupied- an insured person, policy holder as well
as a person who insures the policy. In general policy
holder and insured person are identical people.

Before purchasing a life insurance policy it is necessary
for you to consider reputed agent for life insurance. The
major responsibilities of the life insurance agent involve
setting up meeting with people, obtaining essential
information related to the current position as well as
facilitating them information concerning their policy. The
agents generally represent an insurance company that sells
as well as serve their insurance policies. The agents sends
reminder in order to recompense premium or to notify the
clients if there have been any changes in the rates.

It is very important for agent of life insurance to pass
the examination f insurance as well as to acquire license
by the state to sell the life insurance policy to the
clients. A sound agent of life insurance is one who do not
pressurizes the clients in making decisions and understand
the personal as well as financial position of the client.
An agent must be able to make client aware about the life
insurance policy. There are number of companies dealing
with life insurance policies available in the market today
and finding the right one for your personal needs as well
as requirements can be very difficult task to perform.
Thus, it is necessary for individual to carefully take
insurance policy in order to secure his/her life.


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http://www.article-of-insurance.com

Guidelines for the Physical Inspection of Residential Properties

Guidelines for the Physical Inspection of Residential Properties
If there's one unbreakable law in real estate investment,
it's always perform due diligence on any property you're
considering. "Due diligence" is a common term for the
evaluation of a property and its surrounding environment.
This process has two purposes.

One, you want to reduce or eliminate investment risk; in
other words, you want to know exactly what's wrong (or
right!) with a property before you sink any money into it.

Two, you want to find "diamonds in the rough." These are
houses that look like lumps of worthless coal on the
surface, but once you get below that surface you find they
shine like financial diamonds because they're structurally
sound and a great investment bargain. Two Areas of Due
Diligence Generally speaking, due diligence breaks into two
areas—physical inspection of the property and
inspection of all documents and records concerning that
specific property. In this article, I'll consider only
physical inspections. I'll cover inspection of documents
and records in a separate article. Physical Inspection of
Properties You or a selected inspector will always want
visit any property you're considering for investment.
Often, the signs of decay or lack of maintenance will be
obvious—a leaky roof, foundation cracks, cracks in
the walls, plumbing leaks, etc.—and your visit will
prevent you from wasting further time and money on that
house.

Of course, the opposite can also be true; that is, you find
the "diamond in the rough" I mentioned earlier. In that
case, you'll want to jump on the property quickly before it
becomes known to other investors.

When problems are found in a property, you can require that
the seller correct those problems or reduce the price
before you sign any contract. Generally speaking, there are
two general categories of defects:

The obvious defects I mentioned earlier--peeling paint,
broken windows, leaking plumbing, warped floors, etc.
Hidden defects--corroded pipes in the walls, roof or window
leaks that don't show up until it rains or snows, etc.
These are the dangerous and expensive defects because they
can be hazardous and cost a lot to repair. Without due
diligence, you could end up reducing your profit or even
suffering a loss.

Let's get more specific now. Here's what professional
inspectors look at when they examine a property:

Overall structural integrity Property drainage/landscaping
Walks and drives Foundation, footings, crawl space,
basements, sub-flooring, decks Exterior walls, siding, trim
Windows, doors, cabinets, counters Gutters, downspouts
Roof, roof shingles, roof structures. chimneys, attic
Floors, walls, ceilings, etc. HVAC systems Plumbing
systems, (fixtures, supply lines, drains, water heating
devices, etc.) Electrical system (wiring, service panel,
devices, and service capacity Energy conservation/safety
Items Insulation & ventilation Moisture intrusion/mold Pest
Control Inspection Depending on the area of the country in
which you live, insects can cause considerable damage to a
property. These include such critters as termites,
carpenter ants, powder post beetles, and any other bug that
likes to munch on wood. Fungus, in the form of "dry rot,"
can also cause a lot of destruction. You'll need to hire a
specialist (pest control inspector) to examine the property
for any of these problems. If any problems are identified,
the pest control inspector should provide you with a
diagram that indicates the location of any infestations.
Serious problems need to be dealt with right away and are
usually paid for by the seller.

To protect yourself against any of the problems mentioned
above, make sure the purchase contract provides for
cancellation without penalty or loss of earnest money if
the physical condition of the property doesn't meet
standards. A Note on "As-Is" Properties If a seller offers
to sell you a property on an "as-is" basis, run the other
way! He or she may simply be naïve about property
laws, receiving bad advice from an agent, or, worst of all,
a con artist.

Such sellers may think they're not required to correct any
property defects before or after the sale. In most cases,
they're flat out wrong and are in violation of state laws.
In fact, they may well be charged with misrepresentation,
fraud, or negligence. Needless to say, you don't want any
part of a mess like that. One More Word of Advice The
seller should allow you complete access to the property
with no time limits. If he or she tries to restrict access
or specifies only certain hours, be suspicious and demand
complete access. If the seller refuses this request, then
walk away from the deal.

Key Point: Never, ever fall in love with a property! Always
inspect it (or have it inspected) with an objective mind!

Key Point: Choose the strategy that best suits your
situation and your personality.


----------------------------------------------------
Jack Sternberg is a nationally recognized expert on real
estate investment who's been in the business for more than
30 years. Sternberg is the creator of the renowned "Buyers
First" Program. His deals have totaled over $750 million
and he's been to the closing table more than 1,500 times.
For more, visit http://www.askjacksternberg.com

Ten Myths about Wisconsin Reverse Mortgages

Ten Myths about Wisconsin Reverse Mortgages
With the recent wave of Wisconsin Reverse Mortgages
happening there is a lot of misinformation out there. I
have heard of some really bad reasons not to take out a
reverse mortgage and decided it was time to write about
some of them. Please remember reverse mortgages aren't for
everyone but make sure the reason you aren't investigating
them is not on this list. If you haven't even looked at a
Wisconsin reverse mortgage for any of these reasons please
take another look, it might work for you.

1. When taking out a reverse mortgage I no longer own the
house my bank does. This is untrue because you are kept on
the title as owner of the property. As a matter of fact the
bank can't foreclose on you like a forward mortgage. You
live in the house as long as you can and will always own
the property till you decide to sell. like a regular
mortgage the bank will place a lien on the house to insure
it get paid off but you maintain complete control of the
house.

2. My children won't get anything when I pass. Your estate
only owes as much a the mortgage balance is at the time of
payoff. The payoff is however much you have spent plus
interest. Any equity that is left over is passed on to your
heirs. the bank does not get too keep any of this extra
equity. As an easy example if you owe 25,000 on the reverse
mortgage and the house os worth 125,000 and it was sold.
You would get the extra 100,000 not the bank or anyone
else. The lender would get paid there 25,000 they have
given you.

3. I could get forced out of my home by my bank. FHA/HUD
reverse mortgages specifically state that you can not be
forced out of your home.

4. Social Security and Medicare will be affected by the
money I receive from the reverse mortgage. This money is
actually considered a loan and not income. For this reason
a reverse mortgage does not lower Social Security or
Medicare benefits like some want you to think.

5. I must have really good credit and income to qualify for
a reverse mortgage. Actually it is a lot easier to qualify
for a reverse mortgage than a forward mortgage that you
have had in the past. Since there are no payments you don't
need income to qualify. As for credit the only thing that
is looked at is if you are currently going through a
bankruptcy you may not qualify. If you have bad credit you
will still qualify for a reverse mortgage.

6. My home must be free and clear with no mortgages to be
able to get a reverse mortgage. No, you can have a mortgage
and still qualify for a reverse mortgage. You will pay off
the current mortgage with your new reverse mortgage and
will be getting rid of the previous mortgage payment. You
must have enough equity to pay the mortgage off completely
and you will have to use some of your available cash to do
so.

7. There are large out-of-pocket expenses which make it
hard for seniors to get the loan. All of the costs, whether
closing costs or interest, are financed. That means there
are few out-of-pocket expenses at any point in the reverse
mortgage.

8. Reverse mortgage interest rates are higher than a
regular mortgage. This is just not the case. In most cases
the reverse mortgage has a lower rate than the current
conforming fixed rate. The HECM product's interest rate is
set by the Federal government.

9. I might "outlive" the loan (don't we all wish for
that?). FHA/HUD reverse mortgages are designed specifically
so that you can't outlive the loan. When you get the
reverse mortgage, the lender will charge you 2% to purchase
mandatory FHA mortgage insurance. That insurance guarantees
that even if you live to be 100, you can never owe more
than the value of your home and you can never be forced to
leave.

10. A reverse mortgage is like a home equity loan. First,
home equity loans may have many requirements such as high
income, low debt, and good credit that a reverse mortgage
does not. Second, you can "outlive" a home equity loan and
end up being foreclosed on by the bank. This can never
happen with a reverse mortgage. Third, a reverse mortgage
usually has significantly lower interest rates.

Those were ten of the biggest misconceptions out there
about reverse mortgages. I am sure I missed some but the
key is get with a good reverse mortgage expert and they
will be able to answer your questions. There are many
resources that will help educate, I suggest you do some
reading!


----------------------------------------------------
David Forer is an expert on Wisconsin Reverse Mortgages
with over 15 years doing mortgages in the state. He has a
free informational e book on Reverse Mortgages at
http://www.wisconsinreversemortgages.net/ebook.html

this
is not a sales book!