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Many Apple lovers are curious as to when Apple products will be manufactured in the US. While speculation is growing surrounding this issue, there are several challenges that could make this change difficult. A lot of people are concerned that there aren’t enough qualified engineers in the US to be able to manufacture the product correctly. Other concerns include possible increase in costs to manufacture Apple products since US workers will require a higher wage, the importance of keeping investors happy, and the ability to meet the massive demand for Apple products. All of these concerns are legitimate and help to explain why Apple has yet to manufacture products in the US. However, there are many possible, positive advantages of making this product in the US.

An obvious advantage of manufacturing Apple products in the US is the increasing number of jobs the change would provide. Thousands of jobs would become available to citizens, which could greatly reduce the number of unemployment in areas where Apple would manufacture. Apple has the potential to become one of America’s most popular companies to work for as the benefits could be incredible.

There is a possibility that manufacturers of Apple products would be able to respond to the demand faster if they were manufacturing out of the US. Many Apple enthusiasts look for ways to customize their products. While final assembly of certain products are finished in the US, they are made overseas which means that stores have to wait to get a shipment before they can finish customizing your gadget.

Quality assurance is an important part of any manufacturing business, but the costs to run quality assurance is much higher when the manufacturer is overseas. If Apple began to manufacture products in the US, they could eliminate some of the costly fees associated with running quality assurance checks overseas.

Knock-off brands of Apple products are found all over China, because the people have the materials and know-how to manufacture the products. If Apple were manufactured in the US, it would be easier to protect the intellectual property of the company. There may still be some people that try to get away with reproducing a product, but Apple manufacturers would be able to keep a closer eye on these copycats.

Another advantage of selling Apple products in the US is the major amount of money that could be saved on transporting goods overseas and storing products elsewhere. If transportation was merely from state-to-state and warehouses were all in the US, there would be a large amount of money saved each year on transporting and storing goods.

There are other advantages to manufacturing Apple products in the US and once certain hurdles can be overcome, Apple may be able to gain even more fame in the US.

1. Select the Right Bank

The first step in the process is to select a bank that you will be buying foreclosures from.

Talk to a loan officer, explain your interest in their bank, and ask for a list of foreclosed properties and the bank’s asking prices. Do this with several banks. Unless you have additional information, select the bank with the most foreclosures.

2. View Properties

Next, review the list for the type of property you are interested in(condo, single family residential, apartment, etc.)

Drive to each of the properties that interest you, check location, number of units for sale nearby, and if there is any damage.

Remember, this is investment property; not something you will live in. Look at the property as an investment. If none of the properties appeal to you, go to the next bank’s list of properties. When you select a property proceed to negotiation.

3. Negotiate Price with the Bank

This is the most important step in the foreclosure procurement process. Remember, the bank currently has to pay for insurance, maintenance, taxes, etc. They also have to be concerned about vandalism; all of these factors work in your favor. Make sure the banker knows that you are an investor and will only purchase properties that will provide positive cash flow. Do a quick analysis of what price will provide you with cash flow. Compare that to the bank’s asking price and make sure your first offer is LOW (you can always increase your bid later on in the process). The bank’s asking price is most likely based on the amount they have invested in the property(or even higher). If you do not have much experience in negotiating I suggest that you pick a property that you have no interest in for your first negotiation. Thus, you can try many negotiation techniques to see how the bank responds; you are not concerned with being turned down. This experience will be very helpful in future negotiations.

4. Negotiating the rest of the Deal

There are still things to settle on after a price has been negotiated. Closing costs and interest rates need to be determined. Try to get the lowest interest rate possible (suggest a rate that the bank is charging for owner occupied property). Once you have settled on a fixed rate, try to get a lower rate for the first two or three years of the term. Example: say a 5% rate was agreed on, try to get the bank to agree on 4% for the first two years and then go to 5%. That amounts to 20% less interest for the first two years, money that will flow into your pocket!

Also, negotiate closing costs; start out with zero(you are taking a non-performing asset of of the bank’s books).

5 Important Tips

A. You are an investor, do not fall in love with a property. View this as similar to negotiating the purchase of a car.

B. Remember, you are negotiating as soon as you first step in to the bank!

C. I cannot stress strongly enough going through your first negotiation with a property that you have no interest in. if you are inexperienced. What you learn will be invaluable in future negotiations.