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CashFlow Express - Your Guide to Wealth TODAY
 

CashFlow Express - Your Guide to Wealth TODAY

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Cashflow Express is a financial newspaper covering real estate, stocks, bonds and alternative investments. Your guide to wealth starts here!

Cashflow Express is a financial newspaper covering real estate, stocks, bonds and alternative investments. Your guide to wealth starts here!

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    CashFlow Express - Your Guide to Wealth TODAY CashFlow Express - Your Guide to Wealth TODAY Document Transcript

    • Ca$hFlow EXPRESS No. 1 / Vol. 2 2012 Passive Income for Today & Tomorrow FREE Chris & Ruth California Property Flipping Experts Share their Secrets on how to rehab and flip properties for Big Profits in this great Foreclosure Market in the Southern California Area. BEFORE AFTERRehab Tips by the Southern Find MoneyCalifornia ‘Property Flip Pros’ for Deals... By Ginger MaciasBy Linda Pliagas nars and bootcamps together since www.OCWholesalers.comwww.Realty411Guide.com 2005). They also acknowledge their H team consisting of personal and vir-I ow would you like create t’s not easy to be a flipper in tual assistants, private investors, hard your own “Money List”? I Southern California. The prices money lenders, and other real estate have one, and every success- are steep, the competition fierce, brokers. ful real estate entrepreneur I knowand the deals are few and far between. “We have a lot of real estate agents has one. Your money list is simplyYet, professional rehabbers Christian and brokers who bring the deals to your list of customers who will doYepez and Ruth Ortiz not only find a us because they know we are serious business with you on a consistentway to make it work, but they profit all-cash buyers,” Ortiz says. “We also and profitable basis. This list is yourhandsomely month after month. have personal and virtual assistants most valuable asset in your real estate Known as the “Property Flip Pros,” who are looking for deals and submit- business. Without it, your businessYepez and Ortiz credit their success on ting offer after offer.” will not flourish; with it your busi-their many years of real estate educa- So many offers are made, that theytion (they have been attending semi- Continued on pg. 9 Continued on pg. 4 INSIDE: How to Turbo-Charge Your Portfolio • PLUS: What Type of Investor are You?
    • Funding Available What Type for real estate investors of Investor ARE YOU? Pacific Private Money makes lending easy. We fund loans on non-owner By Deborah Gordon is a Real Estate Investor. An active investor isn’t intimi- occupied single family, multifamily, mixed-use residences, and challenged Investment Specialist at Invest Arizona dated by much. What the average person townhome or condo projects. S might see as a dilapidated money-pit, the We’re fast. We’re friendly. And, we’re ready to help you get the funding you o you are looking for investment active investor sees an opportunity to turn real estate? If you haven’t already a little cash and some elbow-grease into a need right now. discovered, you are about to find mini “Taj Mahal”. Let us fill you in on all the details out that there is no shortage of ways to in- vest in real estate. There is no shortage of The active investor sees something sexy in turning that fixer-upper into a quick methods to use. Should I go about invest- 10%, 20% or even 30 % return. But the (415) 883-2150 ing this way? Should I use this person’s system, or should I hire someone to do the truth is, being an active investor isn’t easy. On top of the money it takes to buy the PacificPrivateMoney.com PRIVATE MONEY LOANS work for me? right property, it takes a great deal of time, The laundry list of factors energy and expertise to be success- 1604 Grant Ave., Novato, CA 94945 California Department of Real Estate Brokers #1897444 to consider when invest- ful. Knowing what to buy, when ing in real estate seems to buy, and how much to pay endless. But one of the is only the beginning. You Cae$thFlow ways you can cut this list still have to choose what and EXPRESS down to size is to iden- how to rehab. How much tify the type of investor you will do on your you are. Each of own. What con- us have a tractors will be different hired to do Passive Income for Today & Tomorrow FREE tempera- what you No. 1 / Vol. 1 2012 cont n s Learn How to Create Stock Market Wealth Today 5 Jump Start Success Investors Manifest a “Cashflow” Mindset 6 Cash Versus Cashflow ment and a style won’t can’t. or of decision This takes an aw- 1 Create Stock Market Wealth 7 Calculate Your ROI By Doug Carver Organizer Pasadena and Burbank estate investing, trading stocks, building a strong MLM business, etc. You will not making. Often times this is the ful lot of effort. The streets to I Cashflow Meetup Groups succeed. It’s like trying to grow corn in prosperity are littered with the remains a field of sand. The seeds will not germi- 1 Have a Cashflow Mindset 8 The Nested Action Cycle can remember my first time play- ing Robert Kiyosaki’s Cashflow nate and you’ll end up with next to noth- ing to harvest in the fall. difference between a successful invest- board game about eight years ago and how it How, you ask, does this relate to the Cashflow game? ment and a complete disaster. of those who bit off more than they could 2 Will Big Money Run Away? started a chain Well, after playing 9 of events that continues to this day. What stuck Investor Spotlight the game a bunch of times, I learned One of the first things you should iden- chew. If you don’t believe me, just take a tify about yourself and your personality is look at how many books, videos or educa- with me most was not the the “how to” of getting out of the 3 Six Tips for Faster Wealth “how to” of playing the 10 Resource Directory game but the people that I met at the event. These were not like the normal rat race, but I still was not able to take what I learned whether or not you are a “passive” or an tional products you can buy all designed from the game and to teach you how to flip houses, perform people in my life that 4 Focus VS. Diversification By Tyrone Jackson TheWealthyInvestor.net companies and products with which you are familiar. 11 Inside Our Expos would tell me I was crazy Dougthe Cashflow gameChris Hanson dis- for trying to start my own play Carver (left) and to group members. apply it to my real- life financial situ- “active” investor. Knowing the answer to Yes! this will help you sort out the opportuni- renovations or market your property. If you’ve ever opened a can of real estate business or ation. However, I You can be Coca Cola on a hot summer day and that financial freedom was impossible realized that the time I was spending with without a steady well-paying job. The my new Cashflow friends was changing Being an active investor is definitely a rich from ties best suited for you. felt refreshed and invigorated, why owning real not own the stock? It’s a product you people I met were excited about learn- the way I thought about money and my estate and trading stocks. know with a story you understand. ing and expanding their knowledge on financial future. I no longer viewed the Our Goal is to Educate, Motivate & Inspire New Investors I’ve provided a little quiz to help you worthwhile pursuit if you have the time, We’ve all heard the story of the When I say “a story you understand,” how to achieve financial freedom. They stock market as a giant rigged system for little old lady who lived modestly I mean to say that you understand were active investors in real estate and losing money. I began to see the tremen- and worked as a school teach- how the Coca Cola the stock market. They were small busi- dous opportunities in the sinking real es- er for 40 years. She never earned more than $35,000 per Corporation makes money, or to ex- ness owners with a passion and vision for creating more financial success in tate market even as many people I knew were losing money on deals that had gone identify the type of investor you are and energy and resources to develop the prop- their lives. Overall, they had a mindset bad. Overall, I saw for the first time op- what type of investment opportunities er expertise. year, owned a modest home, press it in Wall and shared her life with two Street terms, you for prosperity that I like to call a “Cash- portunities all around me to create wealth FOUNDER cats. Once she died, her rela- understand PUBLISHED BY how flow” mindset. even as the newspapers talked constantly you should be looking for. Back to our quiz. If you consistently tives discovered a $150,000 the company earns A lot of people complain that Kiyosaki of the “Great Recession.” Linda Pliagas Today as a result of my ongoing in- life insurance policy and $1.5 million in stocks that she left Manifest Media Partners revenue. The more does not provide the specific details on how people should implement his strat- volvement playing and organizing local chose the letter A, you are probably what bottles and cans of pliagas@msn.com to the elementary school’s scholarship fund. Coke that Coca ADVERTISING Cola sells around egies to create financial freedom in his books and programs. Truth is he never Cashflow events in Southern California, I have a thriving real estate investing How do you change the oil in your car? business. It was after speaking with one Do you A) do it yourself, or B) take it to we would call a passive investor. A pas- spells out a step-by-step “how to” for EDITORIAL STAFF The national media loves to air these stories. It seems Manifest Media Partners the world each day, the larger the com- building long-term financial freedom. of my Cashflow friends who was a real What he does teach is far more impor- estate investor that I was encouraged to Lori Peebles there are several old ladies 310.994.1962 pany’s profit. Over sive investor is motivated by a completely who fit this seemly unique profile year after year. How could the past ten years Coke stock (symbol tant, and that is how to create a “Cash- flow” mindset. Kiyosaki describes it in start wholesaling distressed properties. It turned out to be a great decision. More a shop? Isaac Newkirk III EVENTS & EXPOS KO) has risen from around $40 per his book Cashflow Quadrant moving recently, I’ve begun to learn how to suc- If you were to play the stock market different set of values. The passive inves- that be? share to a high of $71 — $1000 in- Investing in stocks is not the vested in Coca Cola stock ten years your mindset from the E (employee) and cessfully trade in the stock market using Stephanie Mojica world’s most challenging task. In ago would be worth $4,100 today; Lawrence Ruano S (self-employed) side of his Cashflow options. As a self-proclaimed real estate would you A) look for a strong mutual tor may see the opportunities in real es- fact, at its core, it’s very simple. The $10,000 invested in Coca Cola stock quadrant to the B (business owner) and “zealot”, I never would have dreamed of COPY EDITOR truth is that the stock market creates would be worth $41,000 today. Wendy Pineda I (investor) side of the quadrant. In lay- man’s terms, it’s the mental shift from investing in the equity markets. Howev- er, after playing Cashflow 202 with my millionaires every year. Investing in If you spend more than $100 per than you think. Anita Cooper stocks, with wealth in mind, is easier year eating fast food, why not own someone who seeks financial security at TO REACH US, CALL: the stock? Over the past ten years all costs to someone who can confidently Cashflow friend ,who is an active trader, and learning about his trading system, I fund, or B) look for and individual stock tate, but prefers to leverage the time, ex- PHOTOGRAPHERS and knowledgeably take measured risks. was able to see the opportunity before pertise, and resources of a professional that you think has the potential to sky- McDonalds stock (symbol MCD) has 310.499.9545 Invest In What You Know risen from a low of $15 per share to a This is a simplistic definition but a very me. I now fully expect that investing in Sam Green high of $95 per share. important one to understand. Without the the markets will be a huge part of my fu- Wanna be a good stock market in- John DeCindis vestor? Keep it simple and start with Continued on pg. 12 correct mindset, it really doesn’t matter how much you learn the “how to” of real Continued on pg. 2 ture financial success in addition to my rocket? team/organization. PRODUCTION DISTRIBUTION What are your investment goals? Do It isn’t that the passive investor is not Personal Finance News from the Publishers of Realty411 Magazine - www.Realty411Guide.com Lori Peebles Professional Distribution Solutions you want to A) slowly build a strong capable of flipping houses, or hiring con- Augusto Meneses and KJ Banks: 805.377.6328 long-term investment, or are looking to tractors or marketing properties.CashFlow Express is published in Santa Barbara County by Manifest Media Partners. ©Copyright 2012. All B) maximize your return as soon as pos- Let me be clear. It’s not my intentionRights Reserved. Reproduction without permission is strictly prohibited. The opinions expressed by writers and sible? to paint one type of investor as more idealcolumnists are not endorsed by the publishers and/or editorial staff. Before investing in stocks, bonds, mutual Do you A) enjoy learning and becom- than the other. Rather, the passive inves-funds, gold, other securities and commodities and/or real estate, seek the advisement of a trusted financial ad-viser, attorney or tax consultant. Investing in any asset and market sector is risky business and may result in loss ing an expert, or do you B) prefer to find tor has a different perception of the valueof capital. Please invest responsibly. PRINTED IN THE USA ~ GOD BLESS AMERICA professionals and rely on their advice? of their time. He or she may not have the Connect to our virtual network ~ Search for us here: What type of property are you looking time to devote to the process. Or, they for? A) One that needs a lot of work, or may have the time, but feel that being a B) one with that needs little attention at decision maker about the investment is a all? much more valuable use of their time than If you consistently chose the letter B, actually participating in the process. you might be what we consider an Active Continued on pg. 5 CashFlow Express • Page 2
    • Decrease Your Tax Liability Tips from Robert Hall & Associates By Stephen Hall, E.A.E veryone needs to file a tax return. However, however we are not attorneys and recommend advis- tors who do rent- are you maximizing your deductions while ing a reputable attorney to plan a strategy unique to als, management, limiting your tax liability? Throughout the your situation. rehabbing, whole- year, we find that some of the same ques- Question 3: What are the most audited deduc- saling, retailing,tions get asked over and over, especially by those in tions? foreclosures, shortthe real estate industry. A: For landlords, the most audited deductions are sales, commercial, repairs on a property. The IRS verifies the expenses brokerage and manyQuestion 1: What can I do with an investment that that are deducted under repairs that fall within the cat- other types of realwent bad? egory of “wear and tear” on the property, not capital estate activities. InA: In the current economical climate, many investors improvements. Capital improvements are deductible order to qualify asare facing this issue. It is important to plan strategi- over a period of 27 ½ years for residential rental prop- a real estate pro-cally to deduct the losses from your current tax re- erties. fessional there areturn on either future income or from previous years. Question 4: Am I a real estate professional? many activities thatThis is called a Net Operating Loss (NOL) carry back. A: The requirements are as follows: fulfill the IRS hour-This strategy can generate additional refunds to get 1. More than 50% of the individual’s personal servic- ly  requirements and can be easily documented.you back on your feet quickly. For example, if you es during the tax year are performed in real propertylost $500,000 on investments, the IRS may create a trade or businesses in which the taxpayer materially Some examples of these activities are:Net Operating Loss of $350,000. participates. The taxpayer has the right to carry the losses for- 2. The individual spends more than 750 hours of ser- Finding Property:ward or elect to carry the losses back two or three vice during the year in real property trades or busi- 1. Check and review sources for finding investmentyears. By tax planning, the taxpayer can get refunds nesses in which the taxpayer materially participates. propertiesfrom prior year taxes or offset future income. With 3. Real estate has to be over 50% of your time and 2. Develop a list of bird dogs as sources of good buysproper planning, taxpayers can turn a bad investment income. and motivated sellersinto an opportunity to increase cash flow or reduce One tax benefit is the ability to deduct 100% of your 3. Meet with bird dogs as sources of good buys andfuture income. rental property losses against other sources of income. motivated sellers.Question 2: Should I have my rentals in an LLC? The real estate professional classification can be usedA: From a tax standpoint, Limited Liability Compa- as a power tool to offset income and minimize your Due Diligence:nies (LLC) is a versatile tax entity with many tax ben- tax liability. 4. Do a market/location analysis including emergingefits. Based on the tax scenario of the taxpayer, the Question 5: What activities count towards my or reemerging locationsLLC can be a single member, multi-member, or even hours to be classified as a real estate professional? 5. Checkout specific neighborhoods performing aelect to be taxed as a Corporation. A: Well, a real property business is defined as a real neighborhood analysis Each option provides a unique set of advantages property development, redevelopment, construction, 6. Physically go out and search for investment proper-and disadvantages. Furthermore, LLCs are statisti- reconstruction, acquisition, conversion, rental, op- tiescally less audited than a Schedule E on an individual eration, management, leasing or brokerage trade orreturn. LLCs also provide a layer of asset protection; business IRS 469(c). This includes real estate inves- Continued on pg. 5 CashFlow Express • Page 3
    • Find More Money for Deals, cover storyness will grow by leaps and bounds. Let’s go over a quick scenario you maybe familiar with: You’ve spent hundreds,maybe thousands, of dollars on marketingto find sellers, you find that perfect sell-er who is begging you to help them getout of their real estate woes, you get theproperty under contract and are ready toassign that contract for a nice fee—that’swhen you realize you can’t find anyoneto sell the contract to, you don’t have themoney to close on it yourself, and you endup telling the seller you can’t help them.Sound familiar? Now let’s change that scenario: You getthat property under contract and you havehundreds of hungry cash buyers ready tobuy that property from you! Nice, right? I always tell my students that if theywant a successful and thriving businessthey absolutely must have a cash buyer’slist. By having cash buyers who are ac-tively purchasing property in your area,you will be able to sell your properties It’s called Find Cash Buy- and stream- are also included: They have a template ofquickly and you will not have to worry if ers Now created by Kent l i n e  e f f i - a variety of letters you can send to thesethey (or the property) will need to qualify Clothier of the well-known c i e n c y  s o buyers — they’ll even mail merge it withfor a loan. These cash buyers can close MemphisInvest.com and t h a t  y o u the list you just created. Or if you don’teasily, which means more money in your 1-800-SELL-NOW compa- can extract like mailing it out yourself you can havepocket! nies. (The website is: www. yourself them do that for you! Talk about automat- So how can you find these cash buyers? FindCashBuyersNow.com) from daily ing your business.You can go the traditional route by attend- I had a chance to ask Kent tasks  that What I really liked about the Find Cashing investment club meetings, network- some questions about his no longer Buyers Now system is that it’s easy to useing, maybe even blogging and drawing a business and his Find Cash require your and investors can easily start finding cashfollowing of cash buyers. I’ve done this Buyers Now system. Now time.” buyers in any area. Kent and his partnersand I know many others who have been for those of you who do not H e  h a s created these systems in their own busi-successful at doing this. It’s taken years know Kent, you’re in for a certainly ness and have now started teaching oth-to grow my list — and I’m happy that I treat. d o n e  t h a t ers how to use this automated system too.have a great list of buyers! After leaving the grocery w i t h  t h e Currently there are over 3,000 weekly us- Now what if, instead of taking years, industry, he turned to real Find Cash ers benefitting from this system! you can build your cash buyer’s list in a estate because of its low bar- Buyers Now So if you’re just starting your real estatecouple of minutes? Well I had a chance rier of entry and ability to generate cash system I tried. My experience with the business or you want to grow it quicklyto check out a great system that not only quickly. system was great. I simply chose the ar- and effortlessly, be sure to explore thefinds these cash buyers in literally a few From there he and his family started eas I wanted and the dates when the prop- Find Cash Buyers Now system online:minutes anywhere in the country but also creating systems in their business. I asked erties in the area were purchased with cash www.FindCashBuyersNow.comgives investors the tools to contact them him what’s the one piece of advice he could and I had a list of 4,000 buyers in a couple It’s time to automate your business justand build a business the right way. give readers, and he said, “Design your of minutes! They even break it down by as Kent does: “Focus on your passion and A couple of weeks ago I had the plea- real estate business to be a ‘business’, not commercial and residential properties. build a business that will allow you tosure of testing out this system for myself. a hobby or a ‘job’ …automate processes Now let’s talk about the great tools that spend quality time pursing that passion.” Be a Guest at Our Next Expo for FREE Learn From the Top For Real Estate Investors, Home Buyers & Homeowners Ca$hFlow EXPRESS No. 1 / Vol. 1 2012 Passive Income for Today & Tomorrow FREE Investors Manifest a Experts in the Nation! Learn How to Create Stock •Credit Repair & Business Market Wealth Today “Cashflow” Mindset By Doug Carver Organizer Pasadena and Burbank estate investing, trading stocks, building a strong MLM business, etc. You will not I Cashflow Meetup Groups succeed. It’s like trying to grow corn in Lines of Credit a field of sand. The seeds will not germi- can remember my first time play- nate and you’ll end up with next to noth- ing Robert Kiyosaki’s Cashflow ing to harvest in the fall. board game about eight years How, you ask, does this relate to the ago and how it Cashflow game? started a chain Well, after playing of events that continues the game a bunch to this day. What stuck of times, I learned •Wealth Building Education with me most was not the the “how to” of “how to” of playing the getting out of the game but the people that rat race, but I still I met at the event. These was not able to were not like the normal take what I learned people in my life that from the game and sign up online at: By Tyrone Jackson companies and products with which would tell me I was crazy Dougthe Cashflow gameChris Hanson dis- play Carver (left) and to group members. apply it to my real- you are familiar. for trying to start my own life financial situ- TheWealthyInvestor.net Yes! real estate business or ation. However, I •Access to Property Deals If you’ve ever opened a can of You can be Coca Cola on a hot summer day and that financial freedom was impossible realized that the time I was spending with rich from felt refreshed and invigorated, why without a steady well-paying job. The my new Cashflow friends was changing owning real not own the stock? It’s a product you people I met were excited about learn- the way I thought about money and my estate and trading stocks. know with a story you understand. ing and expanding their knowledge on financial future. I no longer viewed the We’ve all heard the story of the When I say “a story you understand,” how to achieve financial freedom. They stock market as a giant rigged system for little old lady who lived modestly I mean to say that you understand were active investors in real estate and losing money. I began to see the tremen- and worked as a school teach- how the Coca Cola the stock market. They were small busi- dous opportunities in the sinking real es- er for 40 years. She never Corporation makes ness owners with a passion and vision tate market even as many people I knew Self Directed IRAs/401K earned more than $35,000 per money, or to ex- for creating more financial success in were losing money on deals that had gone year, owned a modest home, press it in Wall their lives. Overall, they had a mindset bad. Overall, I saw for the first time op- and shared her life with two Street terms, you for prosperity that I like to call a “Cash- portunities all around me to create wealth cats. Once she died, her rela- understand how flow” mindset. even as the newspapers talked constantly A lot of people complain that Kiyosaki of the “Great Recession.” www.realty411guide.com/events tives discovered a $150,000 the company earns life insurance policy and $1.5 revenue. The more does not provide the specific details on Today as a result of my ongoing in- million in stocks that she left bottles and cans of how people should implement his strat- volvement playing and organizing local to the elementary school’s Coke that Coca egies to create financial freedom in his Cashflow events in Southern California, scholarship fund. Cola sells around books and programs. Truth is he never I have a thriving real estate investing •Private Money Lending The national media loves the world each day, spells out a step-by-step “how to” for business. It was after speaking with one to air these stories. It seems the larger the com- building long-term financial freedom. of my Cashflow friends who was a real there are several old ladies pany’s profit. Over What he does teach is far more impor- estate investor that I was encouraged to who fit this seemly unique the past ten years Coke stock (symbol tant, and that is how to create a “Cash- start wholesaling distressed properties. It profile year after year. How could KO) has risen from around $40 per flow” mindset. Kiyosaki describes it in turned out to be a great decision. More that be? share to a high of $71 — $1000 in- his book Cashflow Quadrant moving recently, I’ve begun to learn how to suc- Investing in stocks is not the vested in Coca Cola stock ten years your mindset from the E (employee) and cessfully trade in the stock market using world’s most challenging task. In ago would be worth $4,100 today; S (self-employed) side of his Cashflow options. As a self-proclaimed real estate quadrant to the B (business owner) and “zealot”, I never would have dreamed of •Mortgage Refinancing fact, at its core, it’s very simple. The $10,000 invested in Coca Cola stock truth is that the stock market creates would be worth $41,000 today. I (investor) side of the quadrant. In lay- investing in the equity markets. Howev- millionaires every year. Investing in If you spend more than $100 per man’s terms, it’s the mental shift from er, after playing Cashflow 202 with my stocks, with wealth in mind, is easier year eating fast food, why not own someone who seeks financial security at Cashflow friend ,who is an active trader, than you think. the stock? Over the past ten years all costs to someone who can confidently and learning about his trading system, I McDonalds stock (symbol MCD) has and knowledgeably take measured risks. was able to see the opportunity before Invest In What You Know risen from a low of $15 per share to a This is a simplistic definition but a very me. I now fully expect that investing in high of $95 per share. important one to understand. Without the the markets will be a huge part of my fu- or simply call 310.499.9545 Wanna be a good stock market in- correct mindset, it really doesn’t matter ture financial success in addition to my •Apartments Investing vestor? Keep it simple and start with Continued on pg. 12 how much you learn the “how to” of real Continued on pg. 2 Personal Finance News from the Publishers of Realty411 Magazine - www.Realty411Guide.com •Tax Liens & Tax Deeds •Property Rehab Wealth Real Estate •Lease Option Vol. 1 • No. 4 • 2011 •Short Sale •Probate INSIDE: Get Out of the Rat Race with Sam Sadat The Master of Passive Income Motivation Speaks Discover Why Now is the Time to Buy! Learn from the RE Divas To get your free Credit Repair Book, visit www.SFBAI.com Call: 510.491.4161 • Email: info@SFBAI.com Welcome to Sam’s RE Club at the Beverly Hills Country Club CashFlow Express • Page 4
    • Decrease Your Tax Liability, pg. 37. Contact prospective prop- 27. Do a pre-closing inspec-erty owners tion of the property8. Do a preliminary quanti- 28. Attend the closing of thetative analysis on properties purchase of the property(such as the cap rate) 29. Take care of any post-9. Do a preliminary “drive- closing mattersby” property inspection10. Make and negotiate pur- Follow-up:chase offers on property 30. Follow-up to see if any11. Verify the income, ex- prior prospective sellers arepenses, vacancies on the more prone to renegotiatingproperty’s operating state- 31. Renegotiate the transac-ment tion to finalize the purchase12. Review leases, utility as per the above listbills, maintenance contracts,other pertinent documents There are many more activi-13. Do a thorough physical ties that qualify you as a realproperty inspection analy- estate professional such assis operations, management,14. Obtain Estoppel State- rehabbing, selling, exchang-ments from the seller and ing, seminars, webinars,tenants. and many others. Do this15. Forecast projected in- and fully deduct your rentalcome and expenses for a to- losses without limit.tal projected annual yield Real estate investors should not be afraid of theOffers and Contracts: IRS. As long as you docu-16. Make final offers ment your time and expens- es, YOU, the taxpayer, will17. Prepare contract for pur-chase of property win. "Price is What You Pay, Value is What you get”18. Review seller’s contract The bottom line is the fol- - Warren Buffett, American business magnate, investor, and philanthropistfor purchase of their prop- lowing: It is important toerty have a solid strategy in place when embarking on any real e s t a t e   v e n t u r e .  T h r o u g hFinancing Property: proper planning your taxes19. Check out sources of fi- will be minimized.nancing for acquiring prop- Remember what Supremeerty Court Justice, Learned Hand20. Review member credit said, "Any one may so ar-reports; repair or correct ac- range his affairs that his tax-cordingly. es shall be as low as possible;21. Prepare a credibility and he is not bound to chooseprofile package that pattern which will best22. Meet and develop rap- pay the Treasury; there isport with lending sources not even a patriotic duty to23. Prepare a loan package increase ones taxes.”for a property acquisition24. Arrange for financing Stephen Hall is President offor acquiring property Robert Hall & Associates,25. Negotiate the seller to an accounting firm that spe-hold financing cializes in real tax planning, including incorporating.Closing Property: For over 40 years, they have26. Prepare for closing of assisted landlords and realthe prop. purchase, such as estate industry profession-arranging inspections, cer- als on strategies to minimizetificates, etc their taxes. Need Assistance Getting Started? We Are in the Business to Help YOU. Investing Success can be Yours! Work with our Team Members. Meet Our Affiliates, Property Managers & Network Members. We are in TOP MARKETS around the country and we can refer you to reputable people in the industry. Want More Information? Need Help? Don’t Know Who Being a Landlord is to Call? Contact us anytime for Easy with information, referrals or help. the RIGHT team! Call 310.499.9545 or Realty411guide@msn.com CashFlow Express • Page 5
    • Commercial Property News Craig Lieberman, CCIM, discusses Realty TrendsI difficult exchange, Lieberman sure and been forced into rentership status. Even the t’s easy to sell real estate when it has is proud of the fact he was able retirees are seeking rentership in larger numbers.re- transformed your life. Craig Lieber- to save his exchange client well flecting their growing preference for travel in lieu of man, broker and founding managing over a half-million dollars in being encumbered with the cost and responsibilities director at the Apartment Investment capital gains tax. The exchange of homeownership, especially in light of the equitySpecialists, located in Santa Barbara, Ca- accommodator involved hails lost and unavailable to be tapped by these retirees aslif., knows firsthand the benefits of prop- Lieberman’s creative expertise a consequence of the recent housing bust. All thiserty investing. He traces his real estate as exemplary of why Lieber- increasing demand for rental units in our economyroots back to 1978, when he worked on the man has been such a successful means increased occupancy rates, which ultimatelyTrans-Alaskan Pipeline project. Lieberman apartment property broker – as translates to increased rents and revenues to the apart-says he was making too much money as a part of her compliment of the ment property owners.laborer on this behemoth project, accord- company’s brokerage efforts, Although apartment developers are realizing thising to his accountant, not to be involved she said “they came to bat for an commercial sector offers strong demand potentialin tax-sheltered real estate investments. That was the exchange client with extremely difficult replacement increasing feasibility potential, the number of unitsimpetus for his investment in his first apartment prop- property parameters, and it was like watching a magi- coming on line is being held in check by the lack oferty – a five-plex located in Costa Mesa, California. cian pull a rabbit out of a hat”. infill development opportunities, at least, along the As a consequence of seeing cash flow and profit Lieberman’s involvement in the ownership and coastal areas. Moreover, the cost of construction andfrom his first investment venture, he has been in- brokerage of apartment properties has grown into a the difficulty in securing construction financing isvested in apartment properties in some fashion ever strong passion putting a damper on new construc-since. This very niched experience, along with his for this particular tion activity that would otherwiseconcentrated education – earning both master’s and commercial real become a competitive threat to thebachelor’s degrees in Real Estate Appraisal and In- estate sector. He existing rental housing stock andvestment Analysis from one of the premier universi- argues apartment place a ceiling on occupancy andties in the nation, as well as achieving the premier properties are cur- rental rates.C.C.I.M. (Certified Commercial Investment Manag- rently the stron- Also adding significantly toer) designation, the highest designation available to gest real estate investment vehicle available because the bottom line of apartment owners is the historicallycommercial real estate professionals – makes him par- of the combination of the unusually strong demand low cost of borrowing. Because this expense dispro-ticularly well suited to give his clients valuable real for rental units by apartment dwellers in addition to portionately affects the total cost of ownership, thisestate investment advice to optimize their particular the availability of the “cheapest” money for apart- “cheap” money is helping owners achieve rates of re-investment goals. This very concentrated background ment financing in history, the combination of which turn not normally seen in apartment property owner-in apartment property investment has evolved into is swelling the bottom line and returns of apartment ship. Currently, with treasury rates at all time lows,Lieberman founding and developing a very success- property owners. Lieberman contends the “stars are the index in which most apartment mortgages are tied,ful and respected apartment brokerage and property aligned perfectly for apartment property investors” to some five-year and ten-year mortgages are at or aboutmanagement company, the names of which are the earn generous rates of return – apartments are current- 3% and 4%, respectively, making these mortgage rates“Apartment Investment Specialists” and “A.I.S. Prop- ly hailed as the “darling real estate investment type”. competitive with house mortgage rates.erty Management Services”, respectively. The unusual demand for rental units by the “X” and So, why does Lieberman think apartment properties His company doesn’t handle residential properties “Y” generations (the largest consuming age cohort of are the preferred real estate investment vehicle? Heand prides itself in filling a much need void.In fact, rental units) as well as “baby-boomers” and retirees, concluded our interview by noting that there is reallyhis commercial brokerage and property management stems from several significant demographic, psy- nothing negative about apartment investing from ancompany transacts with apartment properties exclu- chographic and life-style paradigm shifts. The more economic perspective – demand is very strong andsively along the central coast of California, from San youthful generations would rather rent than own, so will continue to be so, while new supply is held inLuis Obispo County down to the San Fernando Val- they can be free to take jobs anywhere in this job- check, the disequilibrium of which will continue, atley. less economy without the concern of selling a house least for the foreseeable future exert upward pres- Lieberman is a person who admits to taking his in a tough housing market, the economic conditions of sure on occupancy and rental rates and, ultimately,work very seriously but likes to have a good time and which is also leading to deferred marriages and par- on property revenue; at the same time, mortgages,enjoy life. In his own words, “I work hard and play enting and consequential increased rentership rates; normally the largest cost component of ownership,hard.” and, with the dismal housing trends of recent past, the are the lowest seen in history. These conditions are His subscribing to a strong work ethic, which in- allure of homeownership has been challenged, also providing apartment investors generous returns andcludes working hard for the best interests of his cli- making renting seen as a preferred alternative by most increased values.ents, has manifested, for example, into the company of the constituents of this population group. Consequently, Lieberman sees no downside toreceiving the prestigious 2011 Jack Kelly Exchange of The “baby boomers” have also increased demand apartment property ownership; in fact he says its po-the Year Award awarded by the Santa Barbara Associ- for rentals – a significant number of individuals in tential will be bolstered because, “everyone needs aation of Realtors. In this particularly complicated and this age generation have lost their houses to foreclo- roof over their head”. NEED A WEBSITE YOU CAN MANAGE YOURSELF? CUSTOM WEBSITES BUILT ON WORDPRESS COMPLETE DESIGN SERVICE SOCIAL MEDIA MANAGEMENT Official Webmaster for Realty411 Magazine .com 805.241.7828 CashFlow Express • Page 6
    • What is an ideal investment? pg. 8 What type of investor are you? pg. 2 The passive investor may be a retiree investment, remember, any investment who may just not be interested in lifting that requires more from you than a yes orfind bargain properties at a great price. tractors or marketing properties. Let me a finger beyond what it takes to make an no decision, is probably going to requireBuyers who can find a short-sale can be clear. It’s not my intention to paint one investment decision. Remember, outside more than meets the eye. If you have theget a good deal. type of investor as more ideal than the of real estate, passive investing is pretty time, the energy, the capitol and personal- The advantages of buying property other. Rather, the passive investor has a common. No one buys stock in Apple ity to react, then this might be good fit.through a short sale include buying at different perception of the value of their Computer and then visits corporate head- But if you prefer to remain a decisiona discounted price and buying a house time. He or she may not have the time to quarters to see that they are getting a good maker, and hold on to your most preciouswhere the sellers are still motivated to devote to the process. Or, they may have deal on processors. commodity - time, you will find more suc-sell the home and may take care of it the time, but feel that being a decision So determining what type of investor cess with passive investments. Those areuntil it is sold. A REALTOR® with maker about the investment is a much you want to be is critical to successful real investments that allow you to have all theexperience in short sales can help the more valuable use of their time than actu- estate investing. We have seen too many information you need to make a simpleinvestor research the market to find ally participating in the process. investors who were lured into sexy deals yes or no decision. the properties where foreclosure no- The passive investor may be a retiree that ended up costing them dearly, simply For more information about investing intices have been filed as well as how who isn’t interested in going back to work, because the opportunity wasn’t a match rental properties or for the latest updatesmuch is owed to the lender. or a busy executive who is committed to for their temperament. on the Arizona rental market, be sure toBuying REOs: This strategy involves other area’s of their life. The passive in The next time you are considering an visit online at: www.InvestArizona.cominvesting in real estate owned by thebank. Investors need to inspectthe property to be sure it is some-thing that they can repair and stillprofit from it if they want to. Theinvestor who is looking into anREO must be sure that the homeis in a desirable part of town ifthey hope to get their money outof it quickly.Investing in Probate RealEstate: Probates offer investors 2 W. MISSION STREET SANTA BARBARA, CA 93101 T 805.687.5557 F 805.435.2626 www.TASCommercial.comthe opportunity to find and buy aproperty at a discounted price. Itinvolves locating the heirs whomust sell their properties imme-diately. An advantage for the in-vestor is that no one else knows Craig Lieberman, CCIM Pedro Vazquezabout the sale and the properties President, Broker & Managing Director Principal, Real Estate Advisorcan picked up often with very fa- DRE# 00682741 DRE# 01776231vorable terms. The investor can craig@TASCommercial.com pedro@TAScommercial.commake a real profit when they sellthe property no matter what the Direct: 805.320.6646 Direct: 805.455.1702market conditions.Other Strategies: In additionthere are various other real estate Why have A.I.S. Represent you in an Apartment Why use A.I.S. Property Managementinvestment strategies includingWholesaling Deals, Note/Paper Property Acquisition or Disposition Services to Manage your PropertyDeals, investing in mobile homes 50+ years of combined expeirence in brokerage & management The A.I.S. team “micro-manages” your investment property toand self-storage. A.I.S. is intimately familiar with 1031 exchanges ensure revenue is maximized and expenses are minimized,To get more information and get B.S. Business Administration with real estate / finance emphasis enhancing your bottom line and return on your investmentstarted on some of the strategies M.S. Business Administration, Real Estate Appraisal & Investment Analysis For each property managed, property revenues & expenses arementioned above visit: C.C.I.M. Certified Commercial Investment Member separately handled and recognized.www.SFBAI.com/resourcesor call Farooq Khan at:510.491.4161ABOUT THE AUTHORS: Call Us Today! 805.687.5557 What our satisfied clients say about us: Visit www.TASCommercial.com for ALL current property listings! January 2012:Farooq Khan is a real estate bro- “Craig and his team of Santa Paula, CA Oxnard, CAker and Shahid Habib is a mar- professionals are reliable,keting specialist. They are real dedicated, and eternally upbeat.  They are veryestate investors and founders of organized and diligent, not to mention very !SFBAI.com a real estate invest- ING! LOW G! SH F technologically strong, an important skill setment club in the San Francisco ED L IST ISTIN T CA DL in todays ever changing real estate market.  UR UREBay area, and Wealth Building Ventura, CA FEAT BES FEAT -Richard A, seasoned Real Estate Investor - Santa Barbara, CA Education, LLC, a national re- 678 Kirk Ave.* | $5,500,000 500 Acacia Rd. | $1,349,900 1315 Devonshire* | $2,350,000source center for wealth building Units: 35/GRM: 11.66 - Cap Rate: 5.30% Units: 12 / GRM: 9.25 - Cap Rate: 6.64% Units: 25 / GRM: 9.95 - Cap Rate: 5.38% July 2011:strategies, resources and educa- *Loan Assumption *Loan Assumption   "Craig & Pedro make an exceptional team, and have ation. D! D! D! real sense about current L L L SO SO investment opportunities. SO They are professional, detail oriented, Dream of Retiring Early? communicate incredibly well, and strive to provide exceptional service that goes above Join our Facebook and beyond! 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    • “The ‘How-to-do’ What is the Ideal is easy, but the Investment? ‘How-to-think’ is hard” By Farooq Khan and Shahid Habib Lease-Options (rent to own) Strate- gies: This is a great tool for real estate T he hardest part about investing in investors. An investor may purchase aT real estate is finding a property property and then sell it at a higher price you can make money on. Most to a renter in the future. Meanwhile you here is an ward…find a set of of us in the investment arena know that get the rent. Then the investor can sell old adage rules that tell you real estate is the ideal investment, but the option to a buyer who is willing to that states “what to invest in”, how do we choose the ideal type of real pay the new market value for a profit. “to be tru- “when to buy it”, estate to invest in? This rent to own strategy is a unique ly finan- and “when to sell The answer depends on one of two money making strategy for investors. cially suc- it”. Then, prove things; whether you are looking for im- It helps the investor avoid discountingcessful you need to have to yourself that mediate cash flow income or profit or rents. Buyers who purchase the prop-the combination of the those rules do in whether you are looking for long-term erty have no real estate commission toright opportunity with the fact work, and then appreciation of the investment property. pay and no negotiation to do.right you.” Let’s break Doug Carver (left) and Chris Hanson dis- follow them. This What method you select really depends Tax Liens & Tax Deeds play the Cashflow game to group members.this down a bit, OK. An- works for the stock on your short-term andother way of saying this market; it works long-term goals, avail-is you need to have the correct “How-to- for real estate; heck, this is how franchises ability and access todo” it knowledge AND have the essential are operated. How hard can it be? funds and your needs.“How-to-think” mental ability (call this Well, there is one little dynamic that If you need money soonthe right “Mindset”). trips up nearly everybody as they are then buying a property The big mistake that most people make learning. That little gotcha is called emo- to flip may be a better choice. Flipping is a While having the proper “How-to-do” knowl- strategy where you buy a distressed or property edge is very important, the reality is that 95% in need of work and of successful investing is “How-to-Think”, quickly fix and turn around to sell it in a and only about 5% of this is “How-to-do”. few weeks for a hand- Tax Liens are known as the best kept some profit. If you are looking for a regular secret investment of the rich. If doneis putting all their focus on the “How-to- tions. It’s often said that markets (stock right, investing in tax lien certificates monthly income and positive cash flowdo”. They’ll spend thousands to attend in- or real estate) are driven by hope, greed, and tax deeds can be highly profitable. then buying to rent out may be a goodvestment seminars, read countless books, and fear. I’m of the opinion that there is The wealthy have steadily built their choice. You can improve the value ofwatch talking heads on CNBC, all with the only one emotion; fear. It comes in four fortunes with tax lien certificates for the property through upgrades or reno-belief that they can simply learn that one flavors — fear of losing money; fear of nearly 200 years regardless of what vating improvements and then sell orlittle secret contained in “how-to-do” that being wrong; fear of missing out on an happens in the economy. Tax lien cer- refinance to access the additional eq-will bring them the financial success they opportunity; fear of leaving money on the tificates provide a safe and high return uity.seek. While having the proper “How-to- table. Think back to any investing mis- investment from 16% up to 50%. Your take that you’ve made in the past. You Lastly, if you don’t need the moneydo” knowledge is very important, the re- investment is secured by real estate, probably can identify one of those fears right away then buy and hold may beality is that 95% of successful investing guaranteed by the government and as being the culprit. the way to go.is “How-to-Think”, and only about 5% of fixed by law.this is “How-to-do”. This may come as a So how does one avoid those four fla- Following are some of the basic types of real estate investment strategies that Investing Tax-free Using IRA & 401k:shock to a lot of people. vors of fear? Some people think that by You can use your IRA, Roth IRA and While I make my living in the stock outsourcing the decision-making to some- may help help you select the one that suits your purpose: 401K to invest in real estate. Self-Di-market, I’ve watched and spoken with one else (like a mutual fund), then the rected IRA accounts are accounts whichenough people in other fields such that problem goes away. To me, that’s very, Buying Single Family Homes to Fix allow you and/or your investment advi-I firmly believe that those “how-to-do” very risky. Yet, that’s how the financial and Flip: This strategy involves se- sor/broker to manage and direct the in-and “how-to-think” ratios are the same services industry stays in business – they lecting the right properties to buy, fix- vestments in your IRA. You can learnwhether you’re investing in real estate, tell you that you can’t do it without their ing them and turning them around and how to successfully buy, sell, or accu-business, or the stock market. 95% is help. You drink their Kool-Aid, and they selling them for profit. You can learn mulate real estate products using your“how-to-think”; only 5% is “how-to-do”. make a handsome living. how to get the properties renovated at Self-Directed IRA account.Yet, nearly everyone puts 100% focus on Alternatively, there are people who sign low cost labor without losing any qual- ity and get the rehab done for a lot less The beauty of the real estate IRA isthe 5%. They laser focus on the “how-to- up for various advisory services. They pay it allows you to use "tax-free" or tax-do”. Then, if that particular “how-to-do” a few bucks every month and the “expert” than regular contractor prices and there- fore profiting on every deal. You can deferred" money as the down paymentinvestment strategy ends up not working, advises them on what to do. They get to on a property and then finance the restthey go looking for the next holy grail decide if they’ll follow the advice or not. oversee rehabs without doing the work yourself and having to evaluate repairs of the purchase. You can rent the prop-methodology/investment strategy; again The decision to take action or not is of- erty until you decide to sell it.focusing 100% on that “how-to-do”. This ten a decision driven by emotions. People and estimate costs. Buying Single Family Homes to Hold Creative Finance using Private Mon-completely ignores the fact that the real get upset when they hear that, however, if and Rent Out: With this strategy you ey Lenders: Private money lenders areissue may not necessarily be the “How- they knew how to find their own opportu- buy the right property and then hold it individuals who specialize in offeringto-do” they are following, but rather with nities, they would not need the advisory for the medium to long term and make short-term loans at high interest. Thisthemselves. That’s a pretty tough pill for service. monthly residual income by renting it type of financing is typically used bymost people to swallow. There is an example of that every day out for positive cash flow. real estate investors for fixing and flip- OK, so how can you figure out if your on TV. Bazillions of people watch Jim ping a property. The investor can oftenlack of financial results is dependent on Cramer on CNBC’s “Mad Money”; they Buying Apartments to Hold and Rent get the money fast, and if they makethe “How-to-do” or on you. The simple sell when he says, “sell, sell, sell”; they Out: You can make good money with good profit on a project, it does not re-answer is to make sure you are following buy when he says “ buy, buy, buy”. I’m multi-family units as Apartment vacan- ally matter if they paid high interest ina strict set of rules specific to the meth- not knocking Cramer; he is an unmatched cies have hit a 10-year low and are at three or six months.odology/investment strategy you are us- wealth of knowledge. He has written some their lowest level since 2001. If done right, this strategy can get you month- Buying Short Sale Properties: Thising, so that you can be consistent in your great books. However, what’s going to ly positive cash flow, hassle-free land strategy offers investors a chance toactions. You literally want to remove happen to half of America when he’s noyourself from the equation as much as lording plus appreciation over time. Continued on pg. 11 Continued on pg. 11possible. That sounds pretty straight-for- CashFlow Express • Page 8
    • California Property Flip Tour, cover storymay completely forget about the property until theagent calls them to let them know their offer got ac-cepted. The word is out in Southern California: If you wanta fast close, call the Property Flip Pros to take thehome off your hands. Their reputation as serious players is spotless, andwith every deal they do, their following as real estatementors is growing. In fact, the Property Flip Prosbegan to organize rehab tours a couple of years agobecause they saw so many other people fail when try-ing to flip properties. “Many investors want to do what we do, but theyjust don’t know how,” says Yepez who admits thatrehabbing houses for a living is not easy or glamor-ous like it is on television. But it is a stimulating pro-fession: “In every deal we do, welearn something new,” adds Ortiz. A few years ago, Yepez and Ortizdecided to give back some of theirknowledge and skills to less expe- the tour ultimately closed on a transaction a few days prior. While dis-rienced investors. Their bus tours decide it’s best to cussing the details of the deal, he reached into his backare inexpensive and meant to be partner up with pant pocket, took out his stuffed wallet and openedpurely educational. Their motiva- professionals who it up to display the many hundred dollar bills in it.tion is not to profit with their tours, are already doing “Here is the proof,” he said with a smile.instead they seek to teach others it. Ortiz points out that real estate is and will alwaysthe proven formula that works for “At the be a relationship business, one where people needthem. end of the day, we one another. A most recent deal that they did was a Being the editor of this publica- believe that people property East Los Angeles, they got it for $136,000tion, I attend numerous property should leave the as a pocket listing for a standard sale brought to hertours around the country and what professional rehab- by another broker. The rehab costs was $25,000. Themakes this tour different is that it is bing up to the pros, but you don’t have to miss out, property was put on the market by Ortiz at $249,500,focused on education. The main objective is not sell- you can partner up with people like us or also become within three days it received ten offers and went overing properties that day. Instead, this tour is strictly in- a trust deed investor and lend your money to make asking price at $255,000. Ortiz points out the outcomeformational, the partners break down their deal step these rehabs happen.” was fantastic because they invested in a quality rehabby step so that everyone can understand how the prop- You don’t have to jump into the water by yourself, and had quality staging.erty was discovered, negotiated, funded, rehabbed and if you want to get into the real world of property flip- The first step for interested individuals is to takesold. ping contact them because they always are looking for action and contact them directly. “In this business you When questioned if they were afraid if others would win/win situations. Yepez and Ortiz like to share the have to pick up the phone and take action,” explainscopy their success formula, Yepez replied, “We don’t opportunities with other investors by participating in Ortiz. Also be sure to check their website for informa-mind giving our secrets away because the truth is joint venture deals. tion on their next Property Flip Pros tour.most investors can’t do what we do. You have to take Brian from Lake Elsinore, Calif., was one of theiraction, you have to work to find deals, you have to be most recent partners who made the transition from If rehabbing properties for profit is of interest, be surecreative and be able to make fast decisions.” tour student to rehab partner. to contact Christian Yepez & Ruth Ortiz at: Yepez and Ortiz realize that even if they divulge all “I tried doing a deal myself, but I just couldn’t, so I 562.304.7787their secrets, most people simply don’t do all the work asked them for help and they made me a partner in one Check out their website for their updates, includingthat is required to make a successful rehab happen of their deals,” he confided. information on their next Property Flip Pros Tour:from beginning to end. That’s why many investors on Brian was beaming that day because they had just www.CaliforniaHomesRepos.com Join Our VIP Social Network FREE Membership * LIVE Chat http://realty411guide.ning.com Find Events, Deals, Friends & MORE Download Free Publications Got Questions? Need Info? Contact us online at: info@realty411guide.com CashFlow Express • Page 7
    • Stock Market Success Made Easy When Hollywood actors and Sili- have been able to impact has been Q: Tell us a bit about your technique of selling con Valley executives want to in- tremendous. stock options? crease their wealth, they turn to To help someone who knew A: Our primary strategy is something referred to in Tyrone Jackson. He’s the founder nothing about stocks earn $5,000 the industry as selling “covered calls” or “writing call and creator of the Wealthy Inves- to $10,000 a month is enormously options” which, in laymen/s terms, mean that we buy tor program. Each month, Jackson gratifying. a stock and then sell the right, not the obligation, for teaches beginners and seasoned the stock to be bought away from us at a particular stock market investors how to Q: What are some of the biggest price called a “strike price.” produce monthly income ranging mistakes made by stock inves- So, for example, if eBay (ticker symbol EBAY) is from $5,000 to $30,000. He’s also tors and traders? trading at $39, I teach people how to sell the right to the creator of The Wealthy Inves- A: Buying stocks like Facebook buy the stock away at $40 and take in $1 per share just tor’s Guide to Stock Market audio long before they understand how for selling that right. That $1 per share is known as CD series. A frequent radio and the company generates revenue. the “call option premium income.” TV guest, Jackson has been seen Our goal as wealthy investors You can literally earn thousands of dollars per on CNN/FN and NBC’s The Other is not to try to get rich quickly, month in guaranteed income just by selling the right Half. We recently sat down with rather it is to invest intelligently to someone to buy shares of stock you already own. Jackson to hear about about how using a discipline and a method- Best of all, anyone can do it. All you need is an online he discovered stocks trading while ology. brokerage account. working in the entertainment in- dustry. Q: How can everyday people Q: Why don’t average Americans know about the take advantage of the stock market? stock market and the opportunities it offers? Question: When did you discover stocks? A: For far too long, the U.S. stock market has been a A: First of all, most investors need a financial educa- A: I spent 26 years on television selling other peo- tion. They need learn how the markets function on a playground for the ultra rich. The advent of the inter- ples’ products. I appeared in TV commercials for ev- daily basis. Secondly, they need an open mind. Most net has created a level playing field so that we all can erything from Coca Cola to McDonalds to Mercedes investors struggle with the idea that they are not smart participate in the financial markets. Benz. Fifteen years ago, during the time I was a com- enough to understand the stock market. That is abso- Q: Where are your classes being held and how can mercial actor on TV, I discovered stock market trad- lutely 100% not true. they sign up? ing. Once I discovered how lucrative online trading A stock broker has no incentive to assist you in be- A: Currently, I am teaching monthly classes in three could be, I fell in love. Q: How has investing in stocks personally changed your life? For far too long, the U.S. Stock Market has been a A: It has allowed me to have the kind of financial freedom I used to read about in magazines. I have playground for the ultra rich. The advent of the In- six figures in covered call income. That means that I make money every single month whether ternet has created a level playing field so that we the stock market goes up, down or stays the same. As opposed to just buying and holding stocks, I all can participate in the financial markets. sell call options to investors who agree to buy my stocks away at a profit. coming financially educated because the end result is cities: San Francisco, Los Angeles and New York City. Q: When did you start your Wealthy Investor pro- a loss of commission for them the more you become Students pay a monthly fee to participate and then go gram and why? empowered. home and trade in their own accounts based on the A: The Wealthy Investor program started 4 1/2 years Therefore, it is incumbent upon each investor to lessons presented to them each month. ago because I wanted to help educate people who had find a mentor who they feel comfortable with so that Over the next six months we are focusing on how to their money in mutual funds instead of individual they can benefit and participate in the greatest game profit from high profile stock splits and fourth quarter stocks. Since that time, the amount of lives that I in the world. volatility. The best thing to do is to go to my website, r (www.TheWealthyInvestor.net). at he le We op Once there, you can sign up forPe Loc al a free newsletter, and you will be ns Missing o notified about upcoming classes. ini Op l orts a t ion Sp Q: Is there anything you’d like Na a piece of to add? A: In the end, your beliefs about money and wealth will determine the puzzle? how successful you are in life. Negative people seem to struggle with money and debt. Those who have a more posi- Get the timely stock market analysis and tive outlook create wealth, help research you need with a FREE trial to their families and contribute to Investor’s Business Daily. their community. Your job is to get a financial Your trial includes IBD’s heralded features eduction and decide which side that help you find the next big winner: of the fence you want to be on. • IBD 50 Stock List ® Learn more about Tyrone Jackson Get Investor’s Business Daily. • IBD’s Proprietary Stocks Ratings and his monthly classes at: • Powerful Investing tools & www.TheWealthyInvestor.net Call 1-888-563-0462 now Screens on Investors.com for your FREE 2 week trial. ® © 2012 Investor’s Business Daily, Inc. Investor’s Business Daily, IBD, and correspond- ing logos are registered trademarks owned by Investor’s Business Daily, Inc. CashFlow Express • Page 10
    • Practical Solutions for Investors Who Work a Full-Time JobBy Holly Hansen 4. Need help keeping track of your stack of business cards? a virtual assistant?Chief Relaxation Officer of property financials? It is as simple as scanning all the cards Costs depend on what task you areMLazy Hammock Investments, LLC They can help you by providing a and sending them to the virtual assistant asking them to do and if it requires spe- monthly bookkeeping statement and who will enter them in your database cial skills or not. You can hire a virtual ost Real Estate In- report on your overall investment finan- for you. assistant for as little as $8 dollars an vestors also work cial portfolio. 9. Don’t have time to research who hour and you can hire them by the proj- f u l l - t i m e  j o b s 5. Are follow-up and qualification of the best property managers in a loca- ect or for a set number of hours each leaving only eve- property leads eating up your time? tion are? month. So it is scalable for any budget. nings and week- Ask them to follow-up on lead calls They can do all the leg work for you. Imagine how good it will feel to be ends to search for from sellers interested in selling their Once they build a list of possible prop- making really smart investing choicesthe right deals to invest in. homes or potential buyers for your erty managers — you can tell them what while having time to enjoy life-simply So how can you get all these real es- properties. interview questions they should ask and by outsourcing those more time con-tate tasks done with the limited time have them check the property man- suming task to ayou have? 6. Trying to attract money partners ager’s references to help you make the virtual assistant. One of the newest solutions smart and investors to fund your deals? perfect decision for who should manage What will youinvestors are using to make more prof- Outsource the writing of articles you your properties. do with the freeitable decisions is hiring virtual assis- can feature on your newsletter or blog 10. Don’t have time to follow up on time made possi-tants. By outsourcing their real estate or they help you by posting updates on phone calls and emails in a timely ble by outsourc-investing tasks to other people to take your social media presences across the manner? ing to a virtualcare of, investors are relieved to find web. Topics could include, how to pro- Virtual assistants can make you look in- assistant?out that not only are they getting their mote your investment strategy, why you credibly professional to REALTORS®,time back— since someone else is do- are a good strategic investing partner or potential investing partners and poten- For more information on Holly Han-ing the task for them — they are also investor education, or how to use your tial buyers/sellers. They can screen your sen, our new program “Work Less…making more money on their deals. IRA for real estate investing calls and emails and create summary re- Invest Smarter” or Lazy Hammock 7. Need help getting the word out ports for you — and even follow up and Investments, LLC - please go to www.Here are some basic smart rules for about properties you have for sale? respond on your behalf. lazyhammockinvestments.com Or callwhen to use a virtual assistant: You can get a virtual assistant to upload This is just a short list of just a few 1-866-661-3325• If you don’t have the skills for a task, all of these listings on your behalf on of the tasks you can outsource to a vir- Lazy Hammock Investments, LLC isor if you don’t have the time or inclina- sites like Craigslist, eBay, Bigger Pock- tual assistant. And the best part is — it located in Santa Cruz, California andtion to learn those skills, hire someone ets, Loopnet, other online classifieds works for ANY real estate investing specializes in teaching real estate in-else to do it for you instead, while you sites and more. strategy (buy and hold, flipping, whole- vestors and small businesses how to useinvest your energy where your skills 8. Did you just arrive from an inves- saling, single family, multifamily, com- virtual assistants the smart way.and interests are. tor networking event and have a large mercial etc). So what does it cost to hire• If it is cheaper to have someone elsedo it, then hire them — especially if it isa time-consuming task or if you reallydon’t feel like you have the time or theexpertise to do it right.How you can use a virtual assistant forreal estate investing? Here are Ten ideasto get you started:1. Don’t know where the best locationto invest in is — or where you shouldavoid investing?Hire a virtual assistant to do a marketanalysis for you and present you withdata about what cities in each state alignwith your real estate investing strategy.What cities and what zip codes in thosecities will get you the cash-flow you de-sire? What cities are great for flipping?2. Need help searching for deals?Put them on the hunt for properties thatmeet your investing criteria. They cansearch the web, reach out to real estateagents on your behalf, and follow up onlistings classifieds posted for sale byowners — and gather all the details youneed about potential deals.3. Have multiple properties in differ-ent locations?Virtual Assistants can help you manageyour property managers and compile asingle property health report to show asummary of completed and upcomingmaintenance repairs, renter satisfactionreports, vacancy rates and advertisingactivities being done on each propertyand more. CashFlow Express • Page 11
    • Turbo-Charge BURIED Your Portfolio in CREDIT By Dani Beit-Or, Simply Do It eat into our cash-flow. CARD If we assume each property we would “I’d like to have a monthly net buy under this program costs about $100,000, it means we need about $25,000 DEBT? income of $10,000 in 12 years” to buy one property. Saving $25,000 every There’s no other saying I have heard more year from your job will only allow you to from investors in the past year. While this purchase one such property every year. is a clear goal do you really know how to To expedite your acquisition, to turbo- get there? charge it, you should incorporate short- To have “$10,000 in 12 years” we need term fix-and-flips into your overall strat- approximate 15 free-and-clear properties. egy. Doing two to three such flips every The good news are it is possible! But year can save you an additional $25,000 accomplishing it requires several things, or another property as I like to call it. By mainlyit requires a plan, discipline (fo- doing so you have just doubled you buy- cus) and time. The more time the better. ing power and should be able to get to 15 Over $10,000 in credit card bills? The Challenge properties in half the time. To accomplish this Can’t make the minimum payments? goal we need to tackle two main elements. First, we don’t have enough cash to buy 10-15 properties in the � WE CAN GET YOU OUT OF DEBT QUICKLY coming years. Second, time - we are always short on time. Long-term VS. Short- � WE CAN SAVE YOU THOUSANDS OF DOLLARS term As an active investo- rI have had this mind- � WE CAN HELP YOU AVOID BANKRUPTCY conflict for a long time: “Long-term rentals are better. No. short-term fix-and-flips are better. No. Long-term Fix-and-flips are not the enemy! Not all rentals . . . “ After going about it for many flips are gone bad as seen on TV. Estab- Not a high-priced consolidation loan years I have have came to the obvious lishing the right teams and systems and conclusion: it is not one or the other! It or one of those consumer credit should be both! going after non-adventurous flips can re- sult in success. Each approach, buy-and-hold rentals counseling programs and fix-and-flips has its advantages, dis- Summary You should have two main engines advantages, and carries a different level of helping you to build your portfolio. A risk-rewards. long-term engine and a short-term engine. CREDIT CARD RELIEF Done correctly the combination of the two can be very powerful. When done correctly the short-term en- gine can feed the long-term one and helps for your FREE consultation CALL Combining The Two Strategies youturbo-chargedyour portfolioforma- 888-573-2349 The Basic: The easy buy-and-hold ap- tion. Once you have reached the desired proach is to buy the property with a mort- amount of properties (15?) you should gage and pay it off in 30 years OR sell it not stop with the the short-term engine. in future. At that point of time this engine will help We’re here to help you Monday - Friday from 9am-9pm EST Accelerating: The first and simple tech- you pay off the properties, hence reaching Not available in all states nique we can do to get to 15 free-and-clear your goal X (10, 15, 20 . . .) number of properties is to start paying off the mort- properties all free-and-clear. gage, i.e. extra principal payment (EPP). 6 Keys for Financial Freedom, pg. 3 Simply write an extra check each month. Copyright 2012 Simply Do It / Dani Beit- For example if our monthly mortgage Or, All Rights Reserved.longer sharing opinions. They will have rules. However, if you don’t follow the payment is $500 we can pay an additional rules because of your emotions, then it This article constitutes general infor-no idea whether they should buy, buy, buy $150 each month towards our principal. is impossible to determine if the problem mation only and should not be relied uponor sell, sell, sell. What’s going to happen If we have invested correctly these funds is “your rules” or “your emotions”. As as advice.if your advisory service stops advising or should come from the cash-flow.if the method hits a rough patch? Is the humans, we can never 100% control our Paying extra principal payment (EPP) emotions, but we can develop discipline Simply Do It / Dani Beit-Orrough patch due to the method….or is it will both bring us sooner to a free-and- on the way we think so that we can miti- Cupertino, CAdue to your emotions when you’re trying clear property and will save on interest. gate how our emotions affect the way we Phone: 60-440-5544to make the decision to follow the advice Turbo-charging: handle our investments. Let’s “get out of dani@simplydoit.netor not? If you don’t know how to do it EPP will only helps us with paying our own way” so we can all achieve the Web Site: www.simplydoit.netyourself, how will you know where the down the mortgage. It won’t help us ac- investment results we desire. Properties: www.connectrei.comflaw is? quire multiple properties. Actually it will It’s your money. Nobody cares more Chris Hanson manages his own portfo-about your money than you do. lio and teaches people how to trade & GreenBlasts.com Bottom line is to find a set of invest- invest in the stock market. Info can bement rules that you believe works. Prove found at www.ProfitsOnWallStreet.com.to yourself that they work. Then put it With Doug Carver, he co-hosts a monthlyto work. Follow the rules and become CashFlow game in Glendale. Doug runs We deploy your eMail or eFax to any demographic, www.TurnkeyREOs.com, a service to ac- industry or city - Opt-in emails, ICANN compliantvery aware of your emotions. If your re- Call for information and rates 310.499.9545sults aren’t there, and you’re sticking to quire rehabbed, rented REO propertiesthe rules, then the problem is with your for around $5,000. CashFlow Express • Page 12
    • Find Cash Buyers & You Will Find Yourself Making Money Ready to Make an Extra $5,000By Sensei Gilliland it themselves and immediately sell it for tens ofwww.BlackBeltInvestors.com thousands more than their initial investment. to $30,000 Monthly? These type of investors are your buyers. They “Your wealth is in your thinking”R eal estate investment courses can teach a want the distressed houses with an equity position is the mantra trumpeted by million things about paperwork, method- so they can increase the value through rehabbing. stock market teacher and trad- ologies and theories, but their students are More than likely your local real estate agents, escrow officers, title insurance representatives and er Tyrone Jackson. For thecertainly not going to make money in real estate ifthey dont learn how to find cash buyers for those hard money lenders know these investors. Make past five years, Mr. Jackson has been helpingdeals that they’re putting together. contact with these real estate professionals and creative artists and self-directed investors pro- duce monthly residual income & build long- Wholesaling real estate is a way to generate massive profits that does term wealth in the stock market. His Wealthy not require money, credit, a license and taking title to the property. Artist/Wealthy Investor program exposes both the experienced trader & novice to the power- It may seem obvious, since you are looking to become the supplier to their clients. ful concept of monthly residual income.deal with the lowest prices possible that you would Rehabbing is a great way to go if fixing up build- To learn more visit:want to avoid dealing with real estate agents when ings is your niche, but as a wholesaler you don’t TheWealthyInvestor.netpurchasing wholesale, however thats actually not want to tie up your cash and credit in a deal and youthe case. As you are out patrolling the city for dont want to be constrained in the manual labor.good deals you will come across real estate What you do want to doing is maximize your timeagents, and may run directly into property connecting with buyers and finding out theirinvestors. house buying criteria. You’re your job is to Even if youre not ready to roll out a find the properties they desire, get them undercontract or even a preliminary offer, get contract and flip the contract to your buyer fornames and contact information for every- a substantial profit.one in the business that you come across. Wholesaling real estate is a way to generateYou never know who they will know or massive profits and it does not require money,in what context. They may have a credit, a license and taking title to theconnection that will be of benefit property. Basically you are flippingto you. The more you connect without the risks!with them, the more chances of   Sensei Gilliland, CEO of Blackopportunity. Belt Investors, is a Nationally- Wholesale real estate known investor, trainer, entrepre-investing often includes neur and speaker. Mr. Gillilandrehabbing homes as the has been practicing real estateprimary method of increas- since 1995, having been involveding the property value. This flipping, creative financing, lend-allows an investor (rehabber) ing and rentals. Sensei Gillilandto sell for a significantly higher trains and coaches real estateprice than what he paid for the entrepreneurs and helps build realproperty in the first place. Some estate portfolios. He has served aspeople enjoy remodeling work and President of two Real Estate In-like flipping houses because they vestor’s Clubs in Southern Californiacan purchase a house, go in remodel called12 ROUNDS since 2002. if you could save $522 … why wouldn’t you?* Call 1-866-924-7499 to get your fast, free car insurance quote. *National average annual savings based on data from customers who reported savings by switching to Esurance between 1/1/10 and 5/19/10. CashFlow Express • Page 13
    • Publisher’s Tips Appreciation is awesome because it can increase a person’s wealth very quickly. You may argue that an area we know well and we know what things are by Linda Pliagas, editor/founder of right now we are not seeing any appreciation, so of selling for. Again, we were CashFlow Express & Realty411 course, we need to change our strategy. Right now able to find a deal with at it’s all about VALUE. The distressed marketplace least $100,000 in “Instant is turning out spectacular properties with plenty of equity”! “Today’s Investments Are “Instant Equity”. Yes, you can make money simply My personal technique for buying and managing a property! over the years has been Tomorrow’s Profits” Timing is everything in real estate and smart in- to buy deeply discountedT vestors need to take advantage of buying assets that properties in California, his quote is beautifully framed and proudly can earn them money instantly. Deals with $25,000, cashflow them a few displayed in the reception area of my Los $50,000 and $100,000 in equity are there for the tak- years and sell them for Angeles-based property manager’s office ing in many prime areas, especially in the California a cash profit and do a — the company’s founder has been a local Coast. In the past eight months, my family and I partial 1031 exchange.investor for nearly 40 years and has owned, pur- purchased two value-priced properties each with By doing this, I canchased and sold a lot of properties. an “Instant $100K in Equity.” One property was cash in a portion of my gain and then also exchange the CA equity to an out-of-state rental, which can generate more cashflow. Right now“Right now it’s all about VALUE. The distressed marketplace is because the market is still shaky in California, it’sturning out spectacular properties with plenty of “Instant Equity”. especially important to purchase right. A general rule to follow is: Before buying any Some investors may be put off by this quote be- purchased in Santa Barbara County for $299,000. It property, make sure there is plenty of equity in thecause it states that real estate creates a future reward, was such a great probate deal, that it had two other deal to diminish risk — just in case it doesn’t workinstead of instant prosperity. Well, this can be quite offers on the first day! We knew it was a steal and out and you need to liquidate.true. When we started out as landlords back in 1994, made a very strong offer, one that we knew would Having rentals may not be for everyone, but evenwe did not make cashflow. Why? Because our initial most likely beat out the others. Sure enough, we in my own neighborhood, I see the financial advan-down payment was dismal, so everything that was ended up getting the property. After a few months tages of being a landlord. My neighbors who aregenerated from the property, went right back into it. of work, including some landscaping, painting, new retired and own income property are by far better offYet, we knew real estate was going to create finan- appliances and other cosmetic updates, we saw the financially than those who are the same age and docial security, so we stayed patient, purchased and value of the property rise to $410,000, according to not own real estate, other than their primary home.managed some properties and waited for the right my local REALTOR®. I may not always enjoy being a landlord, but I justexit. When the time was right, we sold a property for We saw an increase in equity of over $100,000 in added over $200,000 in equity to my family’s port-profit and did a 1031 exchange out of state. just a few months! folio simply by purchasing, fixing and managing two What we lacked in cashflow, we earned in appre- Next, we purchased a duplex near Marina del assets! And, what I did was not difficult nor compli-ciation, which resulted in large payout. Then I took Rey, Calif., for $485,000; it was a short sale deal. cated. The deals are out there for you to also find.the equity and turned it into more monthly cashflow, The ARV (After Repair Value) is $595,000, after a The time is perfect for you to increase your fam-plus put some money into a savings account. basic cosmetic makeover of $10,000 or so. It’s in ily’s wealth with some “Instant Equity”. Mid-West Real Estate Expo & Tour Saturday & sUNDAY, August 25 & 26 - Hosted by Realty411 & Plus, Lloyd Segal, California Foreclosure Institute Trained as an attorney, Lloyd Segal is a mortgage With Special Guest Appearance By: banker, author, real estate investor, and public Tim Norris, President of National Real Estate speaker. This leading California expert will apply his Insurance Group & Affinity Group Management. knowledge to the local area. Learn insurance tips directly from a local pro! Also Sponsored By: Kim Tucker, founder of MAREI Marck Delatour - SBD Housing Solutions SBD Housing Solutions is the premier supplier ICR Real Estate Services MAREI is the leading association for Real Estate In- vestors in Kansas City Metro Area serving members of foreclosure and pre-foreclosure homes in the Commercial & Residential Real Estate in Kansas, Missouri, Nebraska and nationwide. Jackson County, Missouri area. Learn about local opportunities in a no-pressure sales environment. Join Local & Out of State Investors at this Event Join us as we see awesome CashFlow August 25th & 26th properties in person! Learn about the EVENT & bUS tOUR LOCATION local market and ask all the questions Hilton Garden Inn Independence you wish. Don’t miss the important 19677 East Jackson Drive weekend tour, for information go to: Independence, MO 64057 http://Mid-WestRealEstateExpo.eventbrite.com
    • inside our expos & mixersTOP, Left to right/clockwise: Guests enjoyed learned at our outdoor expo in San Diego, Calif.; Linda Pliagas, founder/editor, and Dmitriy Fomichenko of Sense Financial at the Realty411 Expo inCulver City, Calif.; Tim Norris and Mike Wrenn from National Real Estate Insurance Group and Affinity Group Management join the Cash and Wealth Conference in Phoenix, Ariz.; Jasmine fromthe Lady Landords of San Diego meets Julie Harrison from Premier Equity in Jackson, Miss; Barry Hammond, Matt Hendricks and Deborah Gordan from Invest Arizona educate guests on the localPhoenix marketplace; Investors mingle at the Arizona conference. BOTTOM, left to right: Annamaria Gilliland with Black Belt Investors; Marco with Norada Real Estate Investments raffled off a5-day, 4-night stay at a luxury resort in Cancun to our guest, Craig Faczan. Craig saw our expo post on Facebook and decided to attend the event; Lee Kartchner with Gentry Property Management; Wereach hundreds of people around the nation. Our guests receive information on wealth-building strategies. Join our network to be invited to our events: Realty411Guide.com/network Be A Guest at Our Next Live Event Learn From the Top Experts in the Nation Ca$hFlow EXPRESS Visit Realty411Guide.com/events for info No. 1 / Vol. 1 2012 Learn How to Create Stock Market Wealth Today Passive Income for Today & Tomorrow Investors Manifest a “Cashflow” Mindset FREE Wealth Real Estate By Doug Carver Organizer Pasadena and Burbank estate investing, trading stocks, building a strong MLM business, etc. You will not I Cashflow Meetup Groups succeed. It’s like trying to grow corn in a field of sand. The seeds will not germi- can remember my first time play- nate and you’ll end up with next to noth- ing Robert Kiyosaki’s Cashflow ing to harvest in the fall. board game about eight years How, you ask, does this relate to the ago and how it Cashflow game? started a chain Well, after playing Vol. 1 • No. 4 • 2011 of events that continues the game a bunch to this day. What stuck of times, I learned with me most was not the the “how to” of INSIDE: “how to” of playing the getting out of the Get Out of the Sam Sadat game but the people that I met at the event. These rat race, but I still was not able to take what I learned Rat Race with The Master of were not like the normal people in my life that from the game and Passive Income Motivation Speaks By Tyrone Jackson companies and products with which would tell me I was crazy Dougthe Cashflow gameChris Hanson dis- play Carver (left) and to group members. apply it to my real- you are familiar. for trying to start my own life financial situ- TheWealthyInvestor.net Yes! Discover Why If you’ve ever opened a can of real estate business or ation. However, I Now is the You can be Coca Cola on a hot summer day and that financial freedom was impossible realized that the time I was spending with without a steady well-paying job. The my new Cashflow friends was changing Time to Buy! rich from felt refreshed and invigorated, why the way I thought about money and my owning real not own the stock? It’s a product you people I met were excited about learn- estate and trading stocks. know with a story you understand. ing and expanding their knowledge on financial future. I no longer viewed the Learn from We’ve all heard the story of the When I say “a story you understand,” how to achieve financial freedom. They stock market as a giant rigged system for the RE Divas little old lady who lived modestly I mean to say that you understand were active investors in real estate and losing money. I began to see the tremen- and worked as a school teach- how the Coca Cola the stock market. They were small busi- dous opportunities in the sinking real es- er for 40 years. She never Corporation makes ness owners with a passion and vision tate market even as many people I knew earned more than $35,000 per money, or to ex- for creating more financial success in were losing money on deals that had gone year, owned a modest home, press it in Wall their lives. Overall, they had a mindset bad. Overall, I saw for the first time op- and shared her life with two Street terms, you for prosperity that I like to call a “Cash- portunities all around me to create wealth cats. Once she died, her rela- understand how flow” mindset. even as the newspapers talked constantly tives discovered a $150,000 the company earns A lot of people complain that Kiyosaki of the “Great Recession.” life insurance policy and $1.5 revenue. The more does not provide the specific details on Today as a result of my ongoing in- million in stocks that she left bottles and cans of how people should implement his strat- volvement playing and organizing local to the elementary school’s Coke that Coca egies to create financial freedom in his Cashflow events in Southern California, Welcome to Sam’s RE Club scholarship fund. Cola sells around books and programs. Truth is he never I have a thriving real estate investing The national media loves the world each day, spells out a step-by-step “how to” for business. It was after speaking with one to air these stories. It seems the larger the com- building long-term financial freedom. of my Cashflow friends who was a real at the Beverly Hills Country Club there are several old ladies pany’s profit. Over What he does teach is far more impor- estate investor that I was encouraged to who fit this seemly unique the past ten years Coke stock (symbol tant, and that is how to create a “Cash- start wholesaling distressed properties. It profile year after year. How could KO) has risen from around $40 per flow” mindset. Kiyosaki describes it in turned out to be a great decision. More that be? share to a high of $71 — $1000 in- his book Cashflow Quadrant moving recently, I’ve begun to learn how to suc- Investing in stocks is not the vested in Coca Cola stock ten years your mindset from the E (employee) and cessfully trade in the stock market using world’s most challenging task. In ago would be worth $4,100 today; S (self-employed) side of his Cashflow options. As a self-proclaimed real estate fact, at its core, it’s very simple. The $10,000 invested in Coca Cola stock quadrant to the B (business owner) and “zealot”, I never would have dreamed of truth is that the stock market creates would be worth $41,000 today. I (investor) side of the quadrant. In lay- investing in the equity markets. Howev- millionaires every year. Investing in If you spend more than $100 per man’s terms, it’s the mental shift from er, after playing Cashflow 202 with my stocks, with wealth in mind, is easier year eating fast food, why not own someone who seeks financial security at Cashflow friend ,who is an active trader, Make this Your Year of SUCCESS! Join Online to Stay Connected than you think. the stock? Over the past ten years all costs to someone who can confidently and learning about his trading system, I McDonalds stock (symbol MCD) has and knowledgeably take measured risks. was able to see the opportunity before Invest In What You Know risen from a low of $15 per share to a This is a simplistic definition but a very me. I now fully expect that investing in high of $95 per share. important one to understand. Without the the markets will be a huge part of my fu- Wanna be a good stock market in- correct mindset, it really doesn’t matter ture financial success in addition to my vestor? Keep it simple and start with Continued on pg. 12 how much you learn the “how to” of real Continued on pg. 2 Realty411Guide.com/network Personal Finance News from the Publishers of Realty411 Magazine - www.Realty411Guide.com Network with Real Estate Investors, Brokers For event information, call Financial Industry Leaders & Entrepreneurs 310.499.9545 or email: realty411guide@msn.com CashFlow Express • Page 15
    • SJREI to Host Investment Pasadena-Burbank Expo in Silicon Valley Ca$hFlow meetup groupSAN JOSE – The Bay Area’s leading forum for real vided high-quality, no-sales educational workshops asestate investing education and networking is deliver- well as the opportunity to meet and mingle with deal The Pasadena Cashflow Mastersing 21 educational workshops and bringing together makers from across the U.S. Group welcomes all levels of in-hundreds of real estate pros from across the U.S. to “Even experienced real estate investors need to re-America’s home-base for innovation. charge their batteries now and then,” said Kathy Fett- vestors. We meet to play Robert The 4th Annual Real Estate Investment Expo Sil- ke, CEO of RealWealth Network. “The energy, theicon Valley is being held September 8, 2012 at the networking opportunities, the exposure to how other Kiyosaki’s Cashflow boardgameSanta Clara Convention Center. The Expo’s goal is to investors are leveraging market trends, are all reasonshelp individuals new to real estate investing and ex- to attend industry events. That, plus the quality of or- each month to learn the skillsperienced real estate investors understand the current ganizations involved with REI Expo Silicon Valley, is required for acquiring wealth.market dynamics, learn best practices, and explore in- the reason RealWealth Network is proud to sponsorvesting opportunities. the Expo.” I personally look forward to “For people new to real estate investing, education Silicon Valley and the greater bay area is home tofrom reputable professionals is critical. Real estate in- 2.6 million households within a one-hour drive of the connecting with you at one ofvesting can be as unforgiving as it is rewarding.” said Expo, yet Geraldine Barry, President of SJREI Asso- our upcoming events.Bruce Norris, market timing expert and president of ciation, expects participants from across the country. For Information, CallThe Norris Group. “Networking with people who’ve “I’ve been to multiple industry events that purportbeen in the game a long time and attending education- to be educational in nature, yet lack content whileal forums, like Expo Silicon Valley, is the best way to 626.524.2712 pressing participants to spend even more money onmake sound, profitable decisions.” training,” says Barry. “Real estate education is often The long slump in real estate prices makes this in- associated with get-rich-quick schemes. It takes time,vestment a buyer’s market. People who have been effort and unbiased education to become proficientwaiting on the sidelines for the market to bottom out in real estate investing. The Real Estate Investmentare now ready to make the move into real estate. At Expo Silicon Valley is an information rich forum forthe same time, many who’ve made their wealth in new investors, and with high-level workshops to ex-high-tech stocks are looking to diversify their invest- pand the knowledge of experienced investors. It willment portfolio to include property holdings. not disappoint.” To serve these investors, SJREI Association is host-ing Real Estate Expo Silicon Valley. In partner with For more information about the Real Estate Expo Sili-NorCalREIA and the California Apartment Associa- con Valley on September 8, 2012, or to take advantagetion Tri-County region, SJREI Association aims to of early-bird discounts, please visit the Expo website: Doug Carver, Co-organizerensure that both new and seasoned investors are pro- www.ExpoSiliconValley.com.