It wasn’t too long ago when I started writing about social media and creating a movement, a paradigm shift in thought and actions of others. It hadn’t dawned how predominate of a social movement is already underway. We see charities, acts for legislation and reform, green communities, niched social platforms.

However the one social movement that I see really taking shape is the act of social lending. What exactly is social lending? It’s simply a group of like minded investors making a positive shift to correct the missing gap in our current financial markets.

Using the power of peer to peer networks and spreading the diversity of risk across small micro loans the investor once again takes the position of the bank. At the very same time the exposure to defaults are reduced since investors pool monies together and diversify across many transactions versus being the entire lender on one transaction.

Most of these networks use unsecured lending as their revenue platform. Short 1 to 3 year terms with interest rates just over 7% and up to 23% being the average. Sure the same restrictions apply, deal structure, credit rating, lender approval, the biggest differences are speed of execution, personalized deal structuring and minimized lending amounts to keep the system stable.

I found a couple of articles on these subjects and I thought that these would appropriately discuss both the positives and negatives of this emerging social culture of investors. The impact on the lending industry as well as the long term evolution of this new and exciting marketplace.

The first article I found is titled “Social Lending Networks, New Alternative to Banks” written by LAURA MARQUEZ

Next we head on over to “Guide to Social Lending Networks” written on the bargain engineering blog.

Lastly we take a look at the impact of social networking to see the disruption of our current lending system.  “Social Networks Disrupting Money Lending”"

After you spend a few minutes learning and understanding all about the topic at hand take a look and see how these social networks diversify their lending courtesy of http://www.sociallending.net/

Social Lending Graph of Diversification

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Selling your home in any market can be challenging if you aren’t properly staged for the sale. However in a market place where people are on uneasy ground due to the global economics and financial markets have led to consumer fear and a lack of confidence. Only those aware of opportunity are staking claims on bargain real estate and they are setting themselves up for great success down the road.

When it comes to you and selling your home you have two very important objectives to make sure you receive especially in a down market place to ensure you benefit during these tough times. These two objective are having the ability to sell your home quickly and to get the maximum dollar in these tough times.

So let’s get started with these tips to help you maximize your value on your real estate as well as the efficiency and speed of the sale for you. With these in mind let’s get these 5 tips out on the table so that you can get your home sold.

First and foremost is the old adage location, location, location. I ‘m not saying to “move your home” this is a crucial factor for many buyers are you on a busy street, bad neighborhood, have your neighbors kept up their properties? Also what does the inside of the property look like? Is it clean does it smell pleasant or is the scents something that may turn off some people? These are some very crucial elements to asses before you decide to sell.

You need to look around for signs of curbside appeal, improvements to be made, anything that can create a sense of value for your home. When you have this covered you know you’ll create a sense of “I want to buy this house” for prospective buyers.

Secondly you are going to have to asses what is going on in your neighborhood, talk with a qualified agent, ask them for a “brokers price opinion or a CMA” which will provide you with comparable sales data for the area so you have an idea of what the market is doing in your area. This way you can price it right for your area.

Next you want to get ready for lot’s of foot traffic. If your house is vacant it’s a n obrainer. If you’re living in the property or you have tenants living in a property they need to be educated, informed of the sale process and they have to be cooperative with the process. You need eyeballs to see your property, if you can’t get people into your house no one will buy it.

You’re also going to want to have maximum visibility and exposure for your listing. This consists of more than a sign in your front yard and hoping that a qualified buyer wants to make time to view it. You need an aggressive real estate agent and supporting agency to move your house from on to off the market in the shortest time possible. This is truly the most important part of your selling equation. No traffic, no viewers no sale.

Lastly constant communication with your real estate agent so that you have real goals and you’re not over expecting and experiencing an awkward situation. When you have these five key ingredients you have a recipe for successful home sale. You are happy with the results and you also are happy with the service you have received.

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