| Digg it UP |
Hubs | Hubbers | Topics | Request |
| #1 in Business | Subscribe Email Print |
|
You are here: Home > Writing and Speaking > Book Marketing > How to Self-Publish a Book On a Shoestring Budget |
|
Digg it UP - How to Self-Publish a Book On a Shoestring Budget
Applied Quantum Physics in Business - Part Three don't think the book will sell, they'll reject it.Many things in business and life are just not working the way we thought they would. In business we have processes in place down to the detail making it apparently easy to follow through, and in life we are making agreements with others, clearly talking about what needs to be done. And yet often, actually in most cases, all this is just delivering the expected results and we ask ourselves what went wrong or, even worse, start blaming others.While you might have quite some knowledge about the challenges of communication, understanding the energy, and how it works between people, will provide you with a dramatic new insight. At first glance it looks pretty complicated since we are not used to experience ourselves as energy. But with a little imagination you will easily be able to get the idea. So, what’s going on when people talk to each other on an energy level?Let’s first recall that we all are energy fields operating in a much larger energy field called the universe. This means that we are all connected and part of the same energy, the source energy. You might call it life energy as well, what each of us is The best way to ensure success is to write a beautiful, clever, provocative, inspiring, brilliant book. No, let me take that back. The best way to ensure success is to already be someone popular, well-known, famous, or influential. Think Donald Trump, Bill Clinton, or Paris Hilton (dread the thought). If you're writing a nonfiction book, it's best to be someone important, have a track record in sales, or have excellent credentials. If you're not any of these, then consider co-authoring your book with someone who fits the above criteria. Also, for nonfiction or a memoir, do your marketing research beforehand. If you can go into your book proposal or query letter armed with documented proof that people are buying your type of book AND that yours has a interesting and unique twist on a highly relevant topic, then you'll get their attention. You'll need to write an excellent proposal. I've charged thousands to write nonfiction book proposals (and I have a good track record of success). It takes time to write a compelling lead that draws them into the benefits of publishing your book, and following that with a comprehensive plan for marketing your book. For nonfiction, you should have two solid sample chapters written. But what about writing fiction? The first thing you'll need is a good, well-written, and interesting book. We recently had a novel writing contest at the site, and you'd be amazed at how many books had basic grammatical errors and were poorly written. What are people thinking? Obviously, this isn't you. So, take your great book and write an even better query letter. You Amake Money on eBay - About eBay's Market Research Let's say you want to know how to self-publish a book, and you want to do it in the least expensive and best way possible. Is this contradictory?To make money on eBay requires continually monitoring the marketplace for selling opportunities. It also requires that research and investigation always be done before a new item it purchased and resale efforts begin. It requires that research data be analyzed for key market messages. eBay’s Marketplace Research is one of the tools that helps to make research quick and easy.eBay’s Marketplace Research is there for both buyers and sellers. This great tool provides information about top searches, average start prices and average sales prices and more. This is all critical information for those who want to make money on eBay.Depending on the level of service, sellers who want to make money on eBay can quickly find up to 90-days of data on sold items. They can quickly understand the demand for items. Armed with the right data sellers can then make decisions about the future items that they will be selling on eBay.Sellers who want to make money on eBay can also see what buyers are searching for. This includes being able to view the top searches within a specific sales category or a view of the entire site.< In fact, on my web site at Write and Publish Your Book, the two questions I'm asked the most are how to self-publish a book and how to do it on a shoestring budget. They also, coincidentally, want to know the BEST way to do this. But for now, let's focus on this question of the best and cheapest way to publish a book. In fact, these are two entirely separate questions. The first question is, "What is the best way to publish my book?" Then, the second question should be, "What is the cheapest way to publish my book?" See, most people who ask me this question are really just new to the business. It's a perfectly legitimate question, especially if you've slaved over writing your book for two or three months (again, the timeline for writing a quality book is the subject of another essay). So let's take these two questions apart. What is the best way to publish a book? Write an outstanding, must-read book that is unique, provocative, controversial, a literary masterpiece, or is endorsed by someone like Oprah. No, really. That's the best way to publish a book. Take for example Joseph Finder, author of the best selling corporate espionage book, Paranoia. He'd had moderate success with his previous well-written CIA suspense novels, but didn't hit it big until he inadvertently created an entirely new genre with Paranoia. In his words, "All I was doing was trying something new - a thriller with a fresh setting, a fresh cast of characters." Or, how about Nora Raleigh Baskin, popular author of middle-grade novels such as In the Company of Crazies (HarperCollins). She'd had a knee-high stack of rejection letters until she wrote the book she'd always wanted to write - not because she wanted to be published, but because she wanted to write this particular book. That one book, which she wrote from her heart, got her on the road to a successful writing career. Many people have a great idea for a book, and many of these books are from their life experiences. They have no experience as a writer, but the strange thing is that they almost always ask first about publishing the book before it's even written. Even if they do ask how to self-publish a book, they're still thinking in terms of publishing their best seller before they've even determined if there is a market for the book! For example, remember the story about the guy who had to saw his own arm off with a dull knife in order to save his life? Aron Ralston didn't just come up with the idea to write his book Between a Rock and a Hard Place. His story was popularized well before the book was ever written. Contrast that with the woman who wants to write about her experiences with domestic violence. Unfortunately, this is not an unusual story. As much as I'd like to see an end to this horrible sickness, the story won't necessarily sell books. And selling books is what it comes down to. Will your book sell? That's the ultimate question you need to answer if you want your book published. The question of the salability of your book applies whether you're self-publishing or attempting to sell your book to a publisher. Either way, it's got to sell or it just won't go anywhere. That said, let's get back to the original question: What's the best way to publish my book? Self-Publish or Traditional Publisher? There's no easy answer to this question, and the answer you get will depend on who you ask. I think a lot of it depends on you, the genre of your book, your experience as a writer and in sales, and your intentions for the book. Self-publishing is ideal for a business person who wants to use the book as part of his or her overall business strategy. It's a great way to establish yourself as an expert in your field (assuming the book is well-written and informative). The book can be "repurposed" into E-books, teleclasses (telephone conference-call classes), Webinars (seminars held on the phone and Internet), and eventually advanced courses sold for thousands of dollars. Thus, the book itself is printed at a loss and is generally given away to seminar attendees. Self-publishing is also an option for novelists who really believe in their books, but because they're new can't find a publisher for the book. The key here is that you've at least tried to sell your book to a traditional publisher. Self-publishing with an aim toward eventual publishing with a major publishing house will require a tremendous amount of energy and perseverance to market and sell your book. If you can show that the book sells, you'll find a publisher. Just putting it on Amazon won't do a thing. You absolutely must work at marketing your book. There are many self-publishing options, ranging from "free" (Lulu) to several thousand dollars. Perhaps the worst option is to go with what's called "Vanity" press. These are companies who will publish your book for two to ten thousand dollars, print 2500 or more copies, and do a minimal amount of marketing. You're stuck with a garage full of books and an empty wallet. Beware those companies who want to print your book in bulk. Lulu is the most popular, but has its own costs. Most of the books published on Lulu sell no more than 10 copies - total. The books are amateurish, with home-made covers that look like something the dog chewed. The book print quality is good, but the printing prices are steep. For a fee you can have an ISBN number assigned and the book listed on Amazon. On the other hand, for just a little more money you can buy your own ISBN number and have your book printed at Lightning Source for far less money per book. You'll make your investment back with less than 100 books printed. Then, there's everything in-between, including "Print on Demand" book publishers who will create the cover, edit your book, and format the interior of the book so that it looks professional. Some POD publishers simply publish your book as-is. You provide the cover and the interior formatting. Just consider that you generally get what you pay for, although some POD publishers will charge you high fees for what loosely resembles a marketing plan. Make sure you compare the options closely. Traditional Publishing Expect rejection. Seriously, the vast majority of books submitted to both big and small traditional publishers (publishers who either pay you up front or don't ask for any up-front money from you) are rejected. It's a fact of life simply because they're in it to make money. If they don't think the book will sell, they'll reject it. The best way to ensure success is to write a beautiful, clever, provocative, inspiring, brilliant book. No, let me take that back. The best way to ensure success is to already be someone popular, well-known, famous, or influential. Think Donald Trump, Bill Clinton, or Paris Hilton (dread the thought). If you're writing a nonfiction book, it's best to be someone important, have a track record in sales, or have excellent credentials. If you're not any of these, then consider co-authoring your book with someone who fits the above criteria. Also, for nonfiction or a memoir, do your marketing research beforehand. If you can go into your book proposal or query letter armed with documented proof that people are buying your type of book AND that yours has a interesting and unique twist on a highly relevant topic, then you'll get their attention. You'll need to write an excellent proposal. I've charged thousands to write nonfiction book proposals (and I have a good track record of success). It takes time to write a compelling lead that draws them into the benefits of publishing your book, and following that with a comprehensive plan for marketing your book. For nonfiction, you should have two solid sample chapters written. But what about writing fiction? The first thing you'll need is a good, well-written, and interesting book. We recently had a novel writing contest at the site, and you'd be amazed at how many books had basic grammatical errors and were poorly written. What are people thinking? Obviously, this isn't you. So, take your great book and write an even better query letter. You' Don't Get Attached To A Loser! ar author of middle-grade novels such as In the Company of Crazies (HarperCollins). She'd had a knee-high stack of rejection letters until she wrote the book she'd always wanted to write - not because she wanted to be published, but because she wanted to write this particular book. That one book, which she wrote from her heart, got her on the road to a successful writing career.Why do totally overvalued and overrated stocks go up and up while cheap high quality stocks often come to a standstill?At the stock markets, more often than not, the brain is being switched off and the rational thinking stops – which is risky and can cost a lot of money!It’s the same over and over again. If a stock makes a lot of profit investors tend to fall hopelessly in love with a security. But when it drops, many of us just look at the bad news and just tend to see dark clouds in the sky and act accordingly by selling instead of scrutinizing the fundamental data and the perspective of such corporation.They are being led by emotions i.e. psychology. Where proper action is required, hunches and gut feelings take over instead of switching the brain back on!Science and research has scrutinized what is called “Behavioral Finance” to find answers to why and how investors come to such irrational behavior. They try to find out what makes investors “tick” and why a lot of them throw their money at high risk securities like OTC (over the counter) stocks.Rational thinking was also highly negle Many people have a great idea for a book, and many of these books are from their life experiences. They have no experience as a writer, but the strange thing is that they almost always ask first about publishing the book before it's even written. Even if they do ask how to self-publish a book, they're still thinking in terms of publishing their best seller before they've even determined if there is a market for the book! For example, remember the story about the guy who had to saw his own arm off with a dull knife in order to save his life? Aron Ralston didn't just come up with the idea to write his book Between a Rock and a Hard Place. His story was popularized well before the book was ever written. Contrast that with the woman who wants to write about her experiences with domestic violence. Unfortunately, this is not an unusual story. As much as I'd like to see an end to this horrible sickness, the story won't necessarily sell books. And selling books is what it comes down to. Will your book sell? That's the ultimate question you need to answer if you want your book published. The question of the salability of your book applies whether you're self-publishing or attempting to sell your book to a publisher. Either way, it's got to sell or it just won't go anywhere. That said, let's get back to the original question: What's the best way to publish my book? Self-Publish or Traditional Publisher? There's no easy answer to this question, and the answer you get will depend on who you ask. I think a lot of it depends on you, the genre of your book, your experience as a writer and in sales, and your intentions for the book. Self-publishing is ideal for a business person who wants to use the book as part of his or her overall business strategy. It's a great way to establish yourself as an expert in your field (assuming the book is well-written and informative). The book can be "repurposed" into E-books, teleclasses (telephone conference-call classes), Webinars (seminars held on the phone and Internet), and eventually advanced courses sold for thousands of dollars. Thus, the book itself is printed at a loss and is generally given away to seminar attendees. Self-publishing is also an option for novelists who really believe in their books, but because they're new can't find a publisher for the book. The key here is that you've at least tried to sell your book to a traditional publisher. Self-publishing with an aim toward eventual publishing with a major publishing house will require a tremendous amount of energy and perseverance to market and sell your book. If you can show that the book sells, you'll find a publisher. Just putting it on Amazon won't do a thing. You absolutely must work at marketing your book. There are many self-publishing options, ranging from "free" (Lulu) to several thousand dollars. Perhaps the worst option is to go with what's called "Vanity" press. These are companies who will publish your book for two to ten thousand dollars, print 2500 or more copies, and do a minimal amount of marketing. You're stuck with a garage full of books and an empty wallet. Beware those companies who want to print your book in bulk. Lulu is the most popular, but has its own costs. Most of the books published on Lulu sell no more than 10 copies - total. The books are amateurish, with home-made covers that look like something the dog chewed. The book print quality is good, but the printing prices are steep. For a fee you can have an ISBN number assigned and the book listed on Amazon. On the other hand, for just a little more money you can buy your own ISBN number and have your book printed at Lightning Source for far less money per book. You'll make your investment back with less than 100 books printed. Then, there's everything in-between, including "Print on Demand" book publishers who will create the cover, edit your book, and format the interior of the book so that it looks professional. Some POD publishers simply publish your book as-is. You provide the cover and the interior formatting. Just consider that you generally get what you pay for, although some POD publishers will charge you high fees for what loosely resembles a marketing plan. Make sure you compare the options closely. Traditional Publishing Expect rejection. Seriously, the vast majority of books submitted to both big and small traditional publishers (publishers who either pay you up front or don't ask for any up-front money from you) are rejected. It's a fact of life simply because they're in it to make money. If they don't think the book will sell, they'll reject it. The best way to ensure success is to write a beautiful, clever, provocative, inspiring, brilliant book. No, let me take that back. The best way to ensure success is to already be someone popular, well-known, famous, or influential. Think Donald Trump, Bill Clinton, or Paris Hilton (dread the thought). If you're writing a nonfiction book, it's best to be someone important, have a track record in sales, or have excellent credentials. If you're not any of these, then consider co-authoring your book with someone who fits the above criteria. Also, for nonfiction or a memoir, do your marketing research beforehand. If you can go into your book proposal or query letter armed with documented proof that people are buying your type of book AND that yours has a interesting and unique twist on a highly relevant topic, then you'll get their attention. You'll need to write an excellent proposal. I've charged thousands to write nonfiction book proposals (and I have a good track record of success). It takes time to write a compelling lead that draws them into the benefits of publishing your book, and following that with a comprehensive plan for marketing your book. For nonfiction, you should have two solid sample chapters written. But what about writing fiction? The first thing you'll need is a good, well-written, and interesting book. We recently had a novel writing contest at the site, and you'd be amazed at how many books had basic grammatical errors and were poorly written. What are people thinking? Obviously, this isn't you. So, take your great book and write an even better query letter. You Series EE Savings Bond 't go anywhere.U.S. Savings Bonds are the original zero-coupon bonds. Buy them at a deep discount from their face value and, upon maturity, the government will pay you the full face amount.In 1982, Congress raised the minimum return on Series EE bonds, linking it to that of five-year Treasury securities. Now new Series EE bonds earn 90 percent of the average yield on five-year Treasury notes during the preceding six months. Another advantage is that EE bonds are not subject to state and local taxes. Additionally federal taxes are deferred until the money is actually withdrawn.If you are saving for college tuition, EE bonds can be particularly attractive because with certain limitations, interest on the proceeds from EE bonds used to pay for college tuition may be free of all federal income taxes.An important differences between EE bonds and zero-coupon bonds. Investors in a regular zero-coupon bond must pay taxes on the imputed interest, even though it’s not actually paid to the investor until the bond matures.EE bonds are sold in denominations as low as $50, making them very attractive for first-time investor That said, let's get back to the original question: What's the best way to publish my book? Self-Publish or Traditional Publisher? There's no easy answer to this question, and the answer you get will depend on who you ask. I think a lot of it depends on you, the genre of your book, your experience as a writer and in sales, and your intentions for the book. Self-publishing is ideal for a business person who wants to use the book as part of his or her overall business strategy. It's a great way to establish yourself as an expert in your field (assuming the book is well-written and informative). The book can be "repurposed" into E-books, teleclasses (telephone conference-call classes), Webinars (seminars held on the phone and Internet), and eventually advanced courses sold for thousands of dollars. Thus, the book itself is printed at a loss and is generally given away to seminar attendees. Self-publishing is also an option for novelists who really believe in their books, but because they're new can't find a publisher for the book. The key here is that you've at least tried to sell your book to a traditional publisher. Self-publishing with an aim toward eventual publishing with a major publishing house will require a tremendous amount of energy and perseverance to market and sell your book. If you can show that the book sells, you'll find a publisher. Just putting it on Amazon won't do a thing. You absolutely must work at marketing your book. There are many self-publishing options, ranging from "free" (Lulu) to several thousand dollars. Perhaps the worst option is to go with what's called "Vanity" press. These are companies who will publish your book for two to ten thousand dollars, print 2500 or more copies, and do a minimal amount of marketing. You're stuck with a garage full of books and an empty wallet. Beware those companies who want to print your book in bulk. Lulu is the most popular, but has its own costs. Most of the books published on Lulu sell no more than 10 copies - total. The books are amateurish, with home-made covers that look like something the dog chewed. The book print quality is good, but the printing prices are steep. For a fee you can have an ISBN number assigned and the book listed on Amazon. On the other hand, for just a little more money you can buy your own ISBN number and have your book printed at Lightning Source for far less money per book. You'll make your investment back with less than 100 books printed. Then, there's everything in-between, including "Print on Demand" book publishers who will create the cover, edit your book, and format the interior of the book so that it looks professional. Some POD publishers simply publish your book as-is. You provide the cover and the interior formatting. Just consider that you generally get what you pay for, although some POD publishers will charge you high fees for what loosely resembles a marketing plan. Make sure you compare the options closely. Traditional Publishing Expect rejection. Seriously, the vast majority of books submitted to both big and small traditional publishers (publishers who either pay you up front or don't ask for any up-front money from you) are rejected. It's a fact of life simply because they're in it to make money. If they don't think the book will sell, they'll reject it. The best way to ensure success is to write a beautiful, clever, provocative, inspiring, brilliant book. No, let me take that back. The best way to ensure success is to already be someone popular, well-known, famous, or influential. Think Donald Trump, Bill Clinton, or Paris Hilton (dread the thought). If you're writing a nonfiction book, it's best to be someone important, have a track record in sales, or have excellent credentials. If you're not any of these, then consider co-authoring your book with someone who fits the above criteria. Also, for nonfiction or a memoir, do your marketing research beforehand. If you can go into your book proposal or query letter armed with documented proof that people are buying your type of book AND that yours has a interesting and unique twist on a highly relevant topic, then you'll get their attention. You'll need to write an excellent proposal. I've charged thousands to write nonfiction book proposals (and I have a good track record of success). It takes time to write a compelling lead that draws them into the benefits of publishing your book, and following that with a comprehensive plan for marketing your book. For nonfiction, you should have two solid sample chapters written. But what about writing fiction? The first thing you'll need is a good, well-written, and interesting book. We recently had a novel writing contest at the site, and you'd be amazed at how many books had basic grammatical errors and were poorly written. What are people thinking? Obviously, this isn't you. So, take your great book and write an even better query letter. You Relocating to Rhode Island led "Vanity" press. These are companies who will publish your book for two to ten thousand dollars, print 2500 or more copies, and do a minimal amount of marketing. You're stuck with a garage full of books and an empty wallet. Beware those companies who want to print your book in bulk.When it comes time to make a new start, many look for an entirely new lifestyle. Relocating to Rhode Island is one way to find a distinct New England lifestyle.Rhode Island has the distinction of being the smallest state in the Union in terms of size. This small state is not actually an island at all. It was the first state to declare its independence from England, and one of the original states to ratify the constitution.If you are considering relocating to Rhode Island, the culture is something you need to consider. The state has a very unique culture based on its widely diverse ethnic populations which include large numbers of citizens of Italian and Portuguese descent. The accent of the locals is a curious mixture of New England and Brooklyn. One of these unique cultural areas is cuisine. Rhode Island has several local dishes that are not found anywhere else, and seafood is extremely popular. Coffee is the state drink, and the state has the largest concentration of Dunkin Donuts shops in the country.Rhode Island also has the largest ocean front per capita of any state, and no part of the state is v Lulu is the most popular, but has its own costs. Most of the books published on Lulu sell no more than 10 copies - total. The books are amateurish, with home-made covers that look like something the dog chewed. The book print quality is good, but the printing prices are steep. For a fee you can have an ISBN number assigned and the book listed on Amazon. On the other hand, for just a little more money you can buy your own ISBN number and have your book printed at Lightning Source for far less money per book. You'll make your investment back with less than 100 books printed. Then, there's everything in-between, including "Print on Demand" book publishers who will create the cover, edit your book, and format the interior of the book so that it looks professional. Some POD publishers simply publish your book as-is. You provide the cover and the interior formatting. Just consider that you generally get what you pay for, although some POD publishers will charge you high fees for what loosely resembles a marketing plan. Make sure you compare the options closely. Traditional Publishing Expect rejection. Seriously, the vast majority of books submitted to both big and small traditional publishers (publishers who either pay you up front or don't ask for any up-front money from you) are rejected. It's a fact of life simply because they're in it to make money. If they don't think the book will sell, they'll reject it. The best way to ensure success is to write a beautiful, clever, provocative, inspiring, brilliant book. No, let me take that back. The best way to ensure success is to already be someone popular, well-known, famous, or influential. Think Donald Trump, Bill Clinton, or Paris Hilton (dread the thought). If you're writing a nonfiction book, it's best to be someone important, have a track record in sales, or have excellent credentials. If you're not any of these, then consider co-authoring your book with someone who fits the above criteria. Also, for nonfiction or a memoir, do your marketing research beforehand. If you can go into your book proposal or query letter armed with documented proof that people are buying your type of book AND that yours has a interesting and unique twist on a highly relevant topic, then you'll get their attention. You'll need to write an excellent proposal. I've charged thousands to write nonfiction book proposals (and I have a good track record of success). It takes time to write a compelling lead that draws them into the benefits of publishing your book, and following that with a comprehensive plan for marketing your book. For nonfiction, you should have two solid sample chapters written. But what about writing fiction? The first thing you'll need is a good, well-written, and interesting book. We recently had a novel writing contest at the site, and you'd be amazed at how many books had basic grammatical errors and were poorly written. What are people thinking? Obviously, this isn't you. So, take your great book and write an even better query letter. You Guide to Finding the Best Auto Insurance don't think the book will sell, they'll reject it.Auto insurance policy is the primary need of all automobile owners and/or drivers. In some countries it is compulsory buy auto insurance just after a trial ride.Finding the best auto insurance involves finding someone who will offer you good price as well as treat you fairly when you need them most “at the time of filing a claim.” Usually, it is easier to collect data and auto insurance quote but the toughest part is to find a counterpart who will treat you fairly when you will be in the need of help – after accident. Best auto insurance policy should be insurer friendly and cheap.To find best auto insurance policy make a search in local markets, compare the provided quotes and ask them questions as much as you can. Provide them with full and detailed information about you and your vehicle and make them feel that your automobile is accessorized with anti-theft device and car alarm. If the company is fully satisfied they will surely offer you the best auto insurance policy with cheap quotes.Internet would be helpful for you in both these regards. Information below will help you buying best auto insuranc The best way to ensure success is to write a beautiful, clever, provocative, inspiring, brilliant book. No, let me take that back. The best way to ensure success is to already be someone popular, well-known, famous, or influential. Think Donald Trump, Bill Clinton, or Paris Hilton (dread the thought). If you're writing a nonfiction book, it's best to be someone important, have a track record in sales, or have excellent credentials. If you're not any of these, then consider co-authoring your book with someone who fits the above criteria. Also, for nonfiction or a memoir, do your marketing research beforehand. If you can go into your book proposal or query letter armed with documented proof that people are buying your type of book AND that yours has a interesting and unique twist on a highly relevant topic, then you'll get their attention. You'll need to write an excellent proposal. I've charged thousands to write nonfiction book proposals (and I have a good track record of success). It takes time to write a compelling lead that draws them into the benefits of publishing your book, and following that with a comprehensive plan for marketing your book. For nonfiction, you should have two solid sample chapters written. But what about writing fiction? The first thing you'll need is a good, well-written, and interesting book. We recently had a novel writing contest at the site, and you'd be amazed at how many books had basic grammatical errors and were poorly written. What are people thinking? Obviously, this isn't you. So, take your great book and write an even better query letter. You'll need to have your book written. Don't say that "it's almost done," or that "I'm thinking about writing..." Ideally you will have gone through about a dozen drafts of your book before you send it to anyone. It's far easier to get your book published if you've already been published. But if you're new, don't worry. There are ways... and there are certainly ways to do it on a shoestring budget. You can have cheapest, and you can have best, but you're going to have to work at it to have both! Good luck and good writing!
HTTP = HTML link (for blogs, profiles,phorums):
Related Articles:He Who Hesitates Waits... and Waits... and Waits... and Waits How to Handle Decreasing Home Value
|