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Frank Holes Jr. Profile and Articles


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1). Owner Builders: 43 Interview Questions You Need to Ask When Choosing the Right Sub-Contractors
Owner builders oversee the construction of their new homes, cutting out the costs of a general contractor. To do this, though, owner builders hire and manage their own sub-contractors. Choosing the right subs will make the difference between a successful owner builder construction project and a disaster. Owner builders need to ask these 43 questions when choosing their sub-contractors.

2). Owner Builder Construction Loans: The Three Imperatives
Owner Builder construction is a great way to build instant equity into your new home by eliminating the costs of a general contractor. However, owner builder construction loans can be complicated and difficult to find. Here are the three owner builder loan features that you absolutely must have to be a successful owner builder.

3). The 8 Benefits of Modular Construction that Every Owner Builder Needs to Know
Owner builder construction is growing in popularity at a tremendous pace around the country as more and more people look to save money by building their own home. If you are considering being an owner builder to build your next house, then you need to know these 8 benefits of modular construction before you begin.

4). What Prevents Most Businesses from Using Ezine Marketing
Who should be using ezines to market their products or services? Every single business owner in America. So, why do so few do it? The short answer is fear. But, if we can take a deeper look into the problem, we can come up with some easy solutions that will jump start your marketing system.

5). Emergency Lesson Plans, Real Lifesaving Tools for Teachers
Everyone gets those situations in life where an emergency has come up, and you don't have the time (or sometimes the ability) to get a good lesson plan in to school for your students. Maybe you have a family emergency or a disrupted travel plan and you just cannot get into school to leave detailed lessons. That is why it is essential for you to have an emergency lesson plan available and handy.

6). What Makes You Different? Hone Your Unique Selling Proposition (USP) or Perish
My office works in a very crowded industry. However, we make a lot of money, because we have found a better way to market our services. We stand out from our competitors thanks to our Unique Selling Proposition (USP) within our industry. Without a strong USP, your business will not succeed.

7). Modeling Student Behavior
Whether you as a teacher realize it or not, you are the best model of behavior in your classroom. A large part of your proactive behavior plans should include your own behavior you demonstrate to the students every day.

You must set expectations for your students, demonstrate the behaviors, and be vigilant to correct the kids. Don't waver on your expectations; inconsistencies will only confuse the students and cause you more problems.

8). Building Permits: What Every Owner Builder Needs to Know Immediately
Your local building department is dedicated to reviewing house plans and issuing permits to build. If you are hiring a general contractor, he or she should be intimately familiar with the local codes and procedures. But, if you are an owner builder, you need to learn all you can from your local permit office as soon as possible. It could change your mind about the land and blueprints you want.

9). How to Botch a Home Loan Application: An Example from Owner Builder Construction Loans
Home loan pre-approvals are supposed to be quick and easy, yet people constantly shoot themselves in the foot and cost themselves a lot of time and money. Learn from these examples from owner builder construction loans and apply the lessons to your mortgage loan application.

10). The Nine Basic Steps of the Owner Builder Construction Loan
Owner builder construction gives you the chance to build your own home and earn a lot of instant sweat equity in the process. However, the loan process is more involved and time consuming than a simple purchase or refinance loan. If you are considering being an owner builder, understanding these nine basic steps will make the project financing and planning much smoother.

11). Owner Builder Credit Scores and the Effect On Financing Fees
Owner builder construction loans have become harder to find as the mortgage industry has all but done away with these highly specialized products. The owner builder programs that remain strong are using the industry titan, Fannie Mae, for rates and pricing. How does this affect you? Your loan will have higher financing fees (discount points) wrapped into it if your credit score is not strong.

12). Building Positive Relationships with your Custodial Staff
The custodial and maintenance staff isnít just around to sweep the floors, empty the wastebaskets, and clean up messes. They play an important role in the school environment. These people are not only essential to keeping the building and grounds in top shape and presentable to the public, but also keep the various physical systems in the school in working order.

13). Creating an In-class Cable TV Network
Ever wonder if you and your students could create your own TV news show? Would you like to have announcements and school/class information available to students all class long? Would you like to avoid those students who were absent constantly asking you, "What did we do in class yesterday?" It isn't only possible to do, but with a few pieces of equipment, it's easy to set up and run.

14). Randomizing Class Choices: Breaking Up the Monotony
Much has been said and written lately about providing students with choices. I'm all about any methods which will improve student involvement in class, giving them ownership in their learning. There are many ways to give students choices, options, or just to provide random results and change up the monotony. This article will discuss how to use random results in typical class situations.

15). Positive Parent Conferences
It's parent-teacher conference time! Some are positive experiences where teachers are able to make great connections with parents. And yet other meetings are foretold by apprehension and met with strife. Over the years, you will encounter the gamut of positive and negative experiences, and everything in between. However, there are strategies you can use to make the best of any situation.

16). Daily Points in Class
Starting your class on the right foot each day is very important to both you and the students. There are certain expectations you will have, be they required materials (texts, folders, gym clothes), basic supplies (pencils/paper), or behaviors (on time, in seats, working on opening activities). You are going to want these expectations met every day.

17). Are You Pre-Qualified or Pre-Approved? Knowing the Difference Can Save You a Lot of Time and Money
Nearly everyone who has wanted to buy or build a home has been told that they need to obtain a "pre-qualification" or a "pre-approval" before making an offer on a property. The problem is that these terms are used interchangeably. This is a big mistake, and understanding the difference could save you a lot of time and money.

18). The Inner Workings of Interest Rates for Owner Builder Loans
A good owner builder construction loan will have only one closing to cover the land purchase, construction phase, and conversion to your permanent financing. Therefore, the owner builder loan will have two sets of interest rates: one while you build, and one rate for when you move into your new home. Every owner builder should understand the inner workings of these rates when planning to build.

19). The Smart Way to Use Joint Venture Marketing in an Online World
Will joint venture marketing work for online marketing? Can you use joint venture practices even if you focus on online marketing? If you do it correctly, you absolutely can. And should. Here are a few tips for joint venture marketing that will drive increased traffic to your websites and generate more online leads.

20). Understanding the Difference Between a Simple Purchase Loan and an Owner Builder Construction Loan
An owner builder must understand that his construction loan will be different than a simple purchase or refinance mortgage. Understanding these differences allows you to plan for a very profitable project. However, an owner builder who does not account for the nuances of an owner builder construction loan as compared to a simpler mortgage is going to set himself up for failure from the start.

21). What Should an Owner Builder Expect to Pay in Closing Costs for His Loan?
When looking to build your home as an owner builder, you will undoubtedly want to compare loan programs and closing costs. If you want an owner builder construction loan, you will need to make sure you are comparing apples to apples when looking at overall loan fees. A specialized owner builder loan will have more fees than simpler mortgages, but it should be worth it in the long run.

22). Preparing for Emergency Situations at School
We know emergency situations can (and will at some point) happen in your class. It may be minor, such as a student becoming sick in your room, or even a practice event like a fire drill or tornado drill. Hopefully you won't encounter a real life-threatening emergency. But you should always be prepared for such instances.

Fire drills are probably the most common situations you will encounter.

23). Shopping for an Owner Builder Construction Loan: The Features You Need to Look For Before Building
It is hard to find construction financing when you want to build your own home as an owner-builder. When looking for the loan that is right for your scenario, make sure you see the big picture and look for the right features in your loan. Otherwise, suffer the consequences.

24). An Almost Free Way to Generate New Business - A Creative Twist on the Joint Venture
Almost any marketer already knows how a joint venture basically works. However, very few people apply it properly to their business. If you do it creatively, you will build a strong list of new leads. Best of all, it will cost you next to nothing.

25). Multiple Appraisals for a Construction Loan? The Details an Owner Builder Needs to Know
If you want a mortgage, you need a real estate appraisal. If you want to be an owner builder and need a construction loan, you will need two appraisals wrapped into one. An owner builder construction loan will require an appraisal prior to construction and one follow-up appraisal upon completion. Knowing the details of this system will help you get the construction loan you want.

26). Who Are the People Involved in Your Construction Loan Process?
Whether you are going to be an Owner Builder or hire a General Contractor, there are several people that will be involved with your loan process in addition to the loan officer with whom you choose to work. Knowing the roles of each of these people will make your loan process flow smoothly and quickly.

27). The Construction Loan Timeline and the Number One Mistake Most People Make
The number one mistake, hands down, that people make when building a new home is not allowing enough time to get through the process. Building a custom home, and obtaining a loan to do so, is not as simple as getting a mortgage to buy an existing home. You CANNOT do it all in 30 days. So, before you sign a contract to buy a piece of land, take a moment to learn how to avoid potential disaster.

28). What You Need to Know About How Construction Loans Really Work
A construction loan has some similarities to a regular purchase or refinance mortgage. You will still be judged on your income, credit, savings and monthly debts. However, with a construction-to-permanent loan, there are a additional factors that lenders consider - you need to know them if you want to build a new home.

29). A Common Owner Builder Construction Mistake: Losing Sight of the Big Picture
People building a custom home, whether acting as an owner builder or hiring a general contractor, often have to be reminded of one simple, vital point: look at the big picture. Owner builders who lose sight of the big picture are the ones who end up using cheap materials, low quality labor, and low quality financing. When this happens, it is the owner builder who loses both time and money.

30). Building a New Home? Should an Owner Builder Buy a Home Kit to Save Money?
Home kits or material packages can be great tools to help owner builders construct a home, because they bundle the materials together for you and send it as one package. There is a myth, though, that these home kits are always a way to save money. But, an owner builder needs to take the time to break down the numbers.

31). Home Improvement - Owner Builder Style
Many families who fix up their homes save money by doing some of the labor themselves. In many cases, it would be a waste to hire a general contractor for simple home improvements that you can do yourself. Therefore, people often get this DIY version of home improvement confused with full scale owner builder construction. Knowing the difference will make finding the right financing much easier.

32). Using Random Student Cards in Class
Ever wonder if you choose certain students more (or less) often in class than others? Or would you like to be able to completely call on students at random?

A great technique is to make and use an index card deck with your students' names on the cards. On the first day of any of my classes, I pass out blank lined index cards (we use the 3 x 5 size) to all the students.

33). Ten Common Mistakes to Avoid with Your Credit
How many of these ten common credit mistakes do you make? How many of them are currently keeping your credit score lower than it should be? Knowing the answers to these questions could boost your credit score and provide opportunities for better financing terms.



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