Are you ready to speed up your wealth and success? Then you have to read this! The CashFlow Express can help you. Inside we cover stocks, real estate, gold and other passive income generators. READ IT TODAY!
**by the publishers of Realty411 Magazine **
Celebrate our new issue, CashFlow Express.
Plus, Learn Real Estate, Stocks, Social Media & More!
Come Network at this Free Event:
http://cashflowexpress.eventbrite.com/
Come Celebrate Cinco de Mayo and Cash Flow !!!
Are you ready for real estate and stock education, plus social media / marketing tips?
How about a fabulous & FUN margarita mixer afterwards to mingle with guests/speakers?
Then join us for our event in beautiful SAN DIEGO!
Come celebrate Cinco de Mayo with us in our VIP Outdoor Cabana !!!
http://cincodemayorealestatecelebration.eventbrite.com/
The BIG e presentation by Ken Brand on "Less Blah Blah - More Ah Ha. How Social Savvy Real Estate Agents & Leaders Become Omnipresent, Trusted & Chosen!"
Top Of Mind Awareness and Trust, Omnipresence and Social Savvy Sharing ~vs~ Selfish Selling. Three Social Tools Simplified (Facebook, Slide Share, Gmail). Seven Foolproof Strategies!
This document lists various clients and projects that a creative agency has worked on. It includes clients like Denon DJ, Clean & Clear, Collegefest, Microsoft, The N television network, American Rag, Novint, and Neutrogena. For each client, it lists the project name and types of collateral created, such as logos, posters, flyers, websites, trailer wraps, and t-shirts. A wide range of industries are represented among the clients, including music, consumer products, education, television, and technology.
This document is Fannie Mae's 2003 Annual Report which highlights the company's strong financial performance for the year. It summarizes key metrics like a 71% increase in net income. It also outlines Fannie Mae's mission to expand homeownership opportunities and help fulfill the American Dream. Employee quotes emphasize their pride in Fannie Mae's role of removing barriers and creating intergenerational benefits through homeownership.
American Family Magazine is about bringing families together through information, inspiration, communication, knowledge and the sharing of ideals and experiences by our staff, guest writers and you!
The document summarizes the proceedings of the 2014 Young Parliament event held at Chew Valley School that focused on narrowing societal gaps. Students debated four topics: poverty, ethnicity, gender, and state versus private education. For each topic, they identified common stereotypes, challenges, and ways to reduce gaps. The winning topic was gender, where stereotypes around careers and abilities were discussed. Suggestions to narrow the gender gap included challenging sexist language, banning stereotypes in media, and supporting both genders in school and sports equally. Over 200 students from 14 schools and youth groups participated in the event.
El documento discute la relación entre los living labs y la movilidad eléctrica. Los living labs buscan conocer las experiencias de los usuarios para diseñar nuevos productos y servicios. La movilidad eléctrica podría conectar con esta filosofía si las ciudades interactúan permanentemente con los ciudadanos para conocer sus necesidades de movilidad en tiempo real, creando así un gran living lab. Los living labs y la movilidad eléctrica ofrecen una oportunidad para mezclar churras con merinas e innovar en la interacción
Celebrate our new issue, CashFlow Express.
Plus, Learn Real Estate, Stocks, Social Media & More!
Come Network at this Free Event:
http://cashflowexpress.eventbrite.com/
Come Celebrate Cinco de Mayo and Cash Flow !!!
Are you ready for real estate and stock education, plus social media / marketing tips?
How about a fabulous & FUN margarita mixer afterwards to mingle with guests/speakers?
Then join us for our event in beautiful SAN DIEGO!
Come celebrate Cinco de Mayo with us in our VIP Outdoor Cabana !!!
http://cincodemayorealestatecelebration.eventbrite.com/
The BIG e presentation by Ken Brand on "Less Blah Blah - More Ah Ha. How Social Savvy Real Estate Agents & Leaders Become Omnipresent, Trusted & Chosen!"
Top Of Mind Awareness and Trust, Omnipresence and Social Savvy Sharing ~vs~ Selfish Selling. Three Social Tools Simplified (Facebook, Slide Share, Gmail). Seven Foolproof Strategies!
This document lists various clients and projects that a creative agency has worked on. It includes clients like Denon DJ, Clean & Clear, Collegefest, Microsoft, The N television network, American Rag, Novint, and Neutrogena. For each client, it lists the project name and types of collateral created, such as logos, posters, flyers, websites, trailer wraps, and t-shirts. A wide range of industries are represented among the clients, including music, consumer products, education, television, and technology.
This document is Fannie Mae's 2003 Annual Report which highlights the company's strong financial performance for the year. It summarizes key metrics like a 71% increase in net income. It also outlines Fannie Mae's mission to expand homeownership opportunities and help fulfill the American Dream. Employee quotes emphasize their pride in Fannie Mae's role of removing barriers and creating intergenerational benefits through homeownership.
American Family Magazine is about bringing families together through information, inspiration, communication, knowledge and the sharing of ideals and experiences by our staff, guest writers and you!
The document summarizes the proceedings of the 2014 Young Parliament event held at Chew Valley School that focused on narrowing societal gaps. Students debated four topics: poverty, ethnicity, gender, and state versus private education. For each topic, they identified common stereotypes, challenges, and ways to reduce gaps. The winning topic was gender, where stereotypes around careers and abilities were discussed. Suggestions to narrow the gender gap included challenging sexist language, banning stereotypes in media, and supporting both genders in school and sports equally. Over 200 students from 14 schools and youth groups participated in the event.
El documento discute la relación entre los living labs y la movilidad eléctrica. Los living labs buscan conocer las experiencias de los usuarios para diseñar nuevos productos y servicios. La movilidad eléctrica podría conectar con esta filosofía si las ciudades interactúan permanentemente con los ciudadanos para conocer sus necesidades de movilidad en tiempo real, creando así un gran living lab. Los living labs y la movilidad eléctrica ofrecen una oportunidad para mezclar churras con merinas e innovar en la interacción
El documento habla sobre Puertas Gaztañaga, una empresa familiar guipuzcoana con más de 60 años de experiencia en la reforma de viviendas y carpintería. Ofrecen una variedad de servicios relacionados con la madera como suelos, armarios y puertas de manera personalizada. Uno de sus mayores éxitos es el suelo laminado Quick-Step, que puede instalarse fácil y rápidamente sin necesidad de alojarse en otro lugar durante la obra. Gracias a su experiencia y los mejores materiales, Puertas Gaztañaga puede cubrir
This event is taking place on June 22nd at the Ulster Museum from 1-5pm. It will feature 8 talks on new ways to achieve social change in Northern Ireland, an exhibition of a better future for NI created by attendees, and an innovation marketplace of 24 social projects. The goal is to harness creativity to grow a social movement. Attendees can register for free by June 14th.
This document provides information about an event called "Amplify Northern Ireland" taking place on June 22nd from 1-5pm at the Ulster Museum. The event will feature 24 social innovation projects presented in an Innovation Marketplace and talks in the Big Ideas Room on topics like urban planning, digital fabrication, and youth leadership. Attendees can learn about the projects, provide support to them, and help create an exhibition showing a vision for transforming Northern Ireland. Refreshments will be provided and a panel discussion will reflect on next steps after the event concludes.
The document announces the launch of Amplify Leeds, a partnership between Leeds City Council, Joseph Rowntree Foundation and The Young Foundation. Amplify Leeds aims to understand the challenges people in Leeds face and their vision for the city's future through research and community activities. It also details the Leeds Accelerator program which will work with 15 social entrepreneurs over 3 months to accelerate their ventures through business support and training in areas like finance, social value and implementation. The document calls for people and organizations to get involved in Amplify Leeds and for businesses to partner with the Leeds Accelerator.
The Northern Ireland Scaling AcceleratorGorka Espiau
The AmplifyNI Scaling Accelerator is an innovation support programme to rapidly accelerate the growth of new solutions to social problems in Northern Ireland. It is delivered by the Young Foundation and funded by the Department of Social Development.
Mapping momentum, the systems studio and sigGorka Espiau
This document summarizes different roles that are helping to build the field of systems change. It includes two tables: Table 1 describes roles at different stages of systems change work including intrapreneurs, strategists, illuminators, facilitators, conveners, and experimenters. Table 2 outlines the types of challenges that systems change leaders are tackling such as sustainability, public services, health, education, and finance/economy. It provides examples of individuals and organizations working in each of these areas.
Celebrate Real Estate Investing with Realty411 - Join Us for an In-Person Event in Orange County.
We have exciting news regarding our In-Person Event in Irvine, California. Our special one-day conference will host incredible educators from around the country, who are ready to share their valuable insight.
Be sure to join us in PERSON, if you can. We will have wonderful resources, plus guests will have access to private capital, plus business and commercial funding as well. Now is the time to grow your real estate business to new levels. Register today or learn more @ Realty411.com
Realty411 Featuring Jason Oppenheim, Founder of The Oppenheim GroupRealty411 Magazine
Step inside the luxury lifestyle of one of the top celebrity brokers in the nation. Jason Oppenheim, Esq., founder of the Oppenheim Group, discusses the state of the current real estate market, plus how he lives a stress-free life even though his team focuses on closing $40M estates. The Oppenheim Group has sold billions of dollars in landmark real estate throughout Southern California. Insider info: The brokerage, and show, is also expanding! Discover their next hot target markets.
Don't miss the latest issue of REI Wealth magazine. Our new edition is packed with fantastic articles filled with strategies, techniques, plus incredible insight. Our mission is to help grow your real estate portfolio. This latest issue spotlights some of the dynamic ladies who have participated in our virtual conferences. Also inside are amazing resources for investors of all levels. Enjoy our latest issue.
Sophisticated investors are always thinking ahead. One of the most important aspects of ensuring a successful business continues is Legacy Planning. To provide valuable tips and information on how to do just that, we reached out to Gene Guarino, founder of RAL Academy (Residential Assisted Living Academy), one of the most influential family-owned businesses in the REI industry. Be sure to read Gene's suggestions to ensure that the company you've worked hard to build continues for generations.
Are you ready to take your portfolio to the next level? Or, perhaps you want to begin investing in real estate? Well regardless of where you are in experience, Realty411 can help you reach your investing goals. Be sure to join us for our virtual and, now, in-person events. This is the place to be for maximum education, networking and motivation.
Realty411, the source for real estate news, just uploaded their brand new draft of REI Wealth Monthly. This unique and though-provoking publication reaches real estate investors, entrepreneurs, private lenders, wholesalers, real estate service providers, brokerages, real estate top-producing agents and more! Discover our latest issue. Normally, this issue sells for $45 annually, but we upload our draft issues up her on occasion so we can test it out and edit the publication on screen. ENJOY...
It's time to Get Serious about your future and success! We are here to help you every step of the way in growing your portfolio and level of influence in the real estate arena. Be sure to download the leading magazine for real estate investors!
Issue34 - Featuring Ignite Funding - YOUR GUIDE TO REAL ESTATE WEALTH NOWRealty411 Magazine
Preview our newest monthly REI WEALTH MAGAZINE. For nearly three years, REI WEALTH has been providing valuable information, news and resources to the real estate investor community. Do you want to GROW YOUR WEALTH, if so read on and learn from the TOP LEADERS in the industry, right here and NOW!
The summary provides an overview of the Lone Star Real Estate Investor's Expo taking place on November 12th in Arlington, Texas. The expo will feature over 20 breakout sessions on real estate investing topics upstairs and downstairs in the venue. Speakers will include Clint Harp from HGTV's Fixer Upper, Larry Goins, and others. There will also be exhibitors, snacks, breakfast and lunch. The all day event aims to educate real estate investors through various sessions and networking opportunities.
NEW Issue of REI WEALTH Monthly is Here. Download it Today!Realty411 Magazine
We have been publishing great content since 2007. A few years ago, we were approached by the publisher of REI WEALTH to partner up. Since then, we also help produce and publish our very popular monthly, digital issue. For more information about this publication, please visit REI WEALTH directly at: http://reiwealthmag.com
Do you have a favorite issue? Tell us which is your favorite issue, we want to hear from you! Be sure to call us anytime at: 805.693.1497.
Realty411 Expo Schedule - Our Updated Schedule is HereRealty411 Magazine
We look forward to seeing our fans in Ft. Lauderdale next week and all over the nation very soon. http://realty411expo.com http://realty411magazine.com and realty411guide.com
Life's a Beach - Creative Real Estate Investors' Expo on Both Coasts!Realty411 Magazine
Join us for our two expos on both coasts!
We are excited to meet you in person. Please visit our website @ http://realty411expo.com for all the details.
Our Life's A Beach Expo Tour, round two and three continues in California and Florida! See all of our six upcoming national complimentary events @ http://realty411expo.com
Realty411 Featuring Tom Wilson from Wilson Investment Properties - THE ONLY F...Realty411 Magazine
Are you ready to take your real estate portfolio, business and life to a whole new level? If so, you are in the right place. Just download this issue today and get started on your road to financial freedom with real estate. SEE YOU AT THE TOP!
Beverly Hills Mastermind Mixer - SKYROCKET YOUR SUCCESS IN 2016Realty411 Magazine
This intimate event held in a PRIVATE Banquet Room in one of the most renowned restaurants in Beverly Hills is the perfect place to build new friendships and business collaborations. Join some of the industry's TOP Leaders in California.
Our new Beverly Hills event for 2016 is a Realty411 Investor Mastermind & Mixer on Feb. 11 (Thursday) from 6:00 pm to 8:30 pm (registration starts at 5:30 pm). Join us to hear some enlightening information to help you and your team members steer through the competitive and complicated real estate industry.
We have phenomenal speakers scheduled and top-level industry leaders committed to this one-of-a-kind evening enjoying savory delights in a Private Banquet Room in the heart of Beverly Hills. Our fabulous menu is below. A selection of fine wines will be also available.
Cash bar available, appetizers & beverage will be served, Fantastic Wine & Spirits!
El documento habla sobre Puertas Gaztañaga, una empresa familiar guipuzcoana con más de 60 años de experiencia en la reforma de viviendas y carpintería. Ofrecen una variedad de servicios relacionados con la madera como suelos, armarios y puertas de manera personalizada. Uno de sus mayores éxitos es el suelo laminado Quick-Step, que puede instalarse fácil y rápidamente sin necesidad de alojarse en otro lugar durante la obra. Gracias a su experiencia y los mejores materiales, Puertas Gaztañaga puede cubrir
This event is taking place on June 22nd at the Ulster Museum from 1-5pm. It will feature 8 talks on new ways to achieve social change in Northern Ireland, an exhibition of a better future for NI created by attendees, and an innovation marketplace of 24 social projects. The goal is to harness creativity to grow a social movement. Attendees can register for free by June 14th.
This document provides information about an event called "Amplify Northern Ireland" taking place on June 22nd from 1-5pm at the Ulster Museum. The event will feature 24 social innovation projects presented in an Innovation Marketplace and talks in the Big Ideas Room on topics like urban planning, digital fabrication, and youth leadership. Attendees can learn about the projects, provide support to them, and help create an exhibition showing a vision for transforming Northern Ireland. Refreshments will be provided and a panel discussion will reflect on next steps after the event concludes.
The document announces the launch of Amplify Leeds, a partnership between Leeds City Council, Joseph Rowntree Foundation and The Young Foundation. Amplify Leeds aims to understand the challenges people in Leeds face and their vision for the city's future through research and community activities. It also details the Leeds Accelerator program which will work with 15 social entrepreneurs over 3 months to accelerate their ventures through business support and training in areas like finance, social value and implementation. The document calls for people and organizations to get involved in Amplify Leeds and for businesses to partner with the Leeds Accelerator.
The Northern Ireland Scaling AcceleratorGorka Espiau
The AmplifyNI Scaling Accelerator is an innovation support programme to rapidly accelerate the growth of new solutions to social problems in Northern Ireland. It is delivered by the Young Foundation and funded by the Department of Social Development.
Mapping momentum, the systems studio and sigGorka Espiau
This document summarizes different roles that are helping to build the field of systems change. It includes two tables: Table 1 describes roles at different stages of systems change work including intrapreneurs, strategists, illuminators, facilitators, conveners, and experimenters. Table 2 outlines the types of challenges that systems change leaders are tackling such as sustainability, public services, health, education, and finance/economy. It provides examples of individuals and organizations working in each of these areas.
Celebrate Real Estate Investing with Realty411 - Join Us for an In-Person Event in Orange County.
We have exciting news regarding our In-Person Event in Irvine, California. Our special one-day conference will host incredible educators from around the country, who are ready to share their valuable insight.
Be sure to join us in PERSON, if you can. We will have wonderful resources, plus guests will have access to private capital, plus business and commercial funding as well. Now is the time to grow your real estate business to new levels. Register today or learn more @ Realty411.com
Realty411 Featuring Jason Oppenheim, Founder of The Oppenheim GroupRealty411 Magazine
Step inside the luxury lifestyle of one of the top celebrity brokers in the nation. Jason Oppenheim, Esq., founder of the Oppenheim Group, discusses the state of the current real estate market, plus how he lives a stress-free life even though his team focuses on closing $40M estates. The Oppenheim Group has sold billions of dollars in landmark real estate throughout Southern California. Insider info: The brokerage, and show, is also expanding! Discover their next hot target markets.
Don't miss the latest issue of REI Wealth magazine. Our new edition is packed with fantastic articles filled with strategies, techniques, plus incredible insight. Our mission is to help grow your real estate portfolio. This latest issue spotlights some of the dynamic ladies who have participated in our virtual conferences. Also inside are amazing resources for investors of all levels. Enjoy our latest issue.
Sophisticated investors are always thinking ahead. One of the most important aspects of ensuring a successful business continues is Legacy Planning. To provide valuable tips and information on how to do just that, we reached out to Gene Guarino, founder of RAL Academy (Residential Assisted Living Academy), one of the most influential family-owned businesses in the REI industry. Be sure to read Gene's suggestions to ensure that the company you've worked hard to build continues for generations.
Are you ready to take your portfolio to the next level? Or, perhaps you want to begin investing in real estate? Well regardless of where you are in experience, Realty411 can help you reach your investing goals. Be sure to join us for our virtual and, now, in-person events. This is the place to be for maximum education, networking and motivation.
Realty411, the source for real estate news, just uploaded their brand new draft of REI Wealth Monthly. This unique and though-provoking publication reaches real estate investors, entrepreneurs, private lenders, wholesalers, real estate service providers, brokerages, real estate top-producing agents and more! Discover our latest issue. Normally, this issue sells for $45 annually, but we upload our draft issues up her on occasion so we can test it out and edit the publication on screen. ENJOY...
It's time to Get Serious about your future and success! We are here to help you every step of the way in growing your portfolio and level of influence in the real estate arena. Be sure to download the leading magazine for real estate investors!
Issue34 - Featuring Ignite Funding - YOUR GUIDE TO REAL ESTATE WEALTH NOWRealty411 Magazine
Preview our newest monthly REI WEALTH MAGAZINE. For nearly three years, REI WEALTH has been providing valuable information, news and resources to the real estate investor community. Do you want to GROW YOUR WEALTH, if so read on and learn from the TOP LEADERS in the industry, right here and NOW!
The summary provides an overview of the Lone Star Real Estate Investor's Expo taking place on November 12th in Arlington, Texas. The expo will feature over 20 breakout sessions on real estate investing topics upstairs and downstairs in the venue. Speakers will include Clint Harp from HGTV's Fixer Upper, Larry Goins, and others. There will also be exhibitors, snacks, breakfast and lunch. The all day event aims to educate real estate investors through various sessions and networking opportunities.
NEW Issue of REI WEALTH Monthly is Here. Download it Today!Realty411 Magazine
We have been publishing great content since 2007. A few years ago, we were approached by the publisher of REI WEALTH to partner up. Since then, we also help produce and publish our very popular monthly, digital issue. For more information about this publication, please visit REI WEALTH directly at: http://reiwealthmag.com
Do you have a favorite issue? Tell us which is your favorite issue, we want to hear from you! Be sure to call us anytime at: 805.693.1497.
Realty411 Expo Schedule - Our Updated Schedule is HereRealty411 Magazine
We look forward to seeing our fans in Ft. Lauderdale next week and all over the nation very soon. http://realty411expo.com http://realty411magazine.com and realty411guide.com
Life's a Beach - Creative Real Estate Investors' Expo on Both Coasts!Realty411 Magazine
Join us for our two expos on both coasts!
We are excited to meet you in person. Please visit our website @ http://realty411expo.com for all the details.
Our Life's A Beach Expo Tour, round two and three continues in California and Florida! See all of our six upcoming national complimentary events @ http://realty411expo.com
Realty411 Featuring Tom Wilson from Wilson Investment Properties - THE ONLY F...Realty411 Magazine
Are you ready to take your real estate portfolio, business and life to a whole new level? If so, you are in the right place. Just download this issue today and get started on your road to financial freedom with real estate. SEE YOU AT THE TOP!
Beverly Hills Mastermind Mixer - SKYROCKET YOUR SUCCESS IN 2016Realty411 Magazine
This intimate event held in a PRIVATE Banquet Room in one of the most renowned restaurants in Beverly Hills is the perfect place to build new friendships and business collaborations. Join some of the industry's TOP Leaders in California.
Our new Beverly Hills event for 2016 is a Realty411 Investor Mastermind & Mixer on Feb. 11 (Thursday) from 6:00 pm to 8:30 pm (registration starts at 5:30 pm). Join us to hear some enlightening information to help you and your team members steer through the competitive and complicated real estate industry.
We have phenomenal speakers scheduled and top-level industry leaders committed to this one-of-a-kind evening enjoying savory delights in a Private Banquet Room in the heart of Beverly Hills. Our fabulous menu is below. A selection of fine wines will be also available.
Cash bar available, appetizers & beverage will be served, Fantastic Wine & Spirits!
Realty411 Magazine - Featuring Kathy and Rich Fettke with Real Wealth NetworkRealty411 Magazine
The Original FREE REAL ESTATE INVESTOR'S MAGAZINE IS HERE!!! With a mission to give back to the industry and introduce as many people to the world of real estate, Realty411 is the world's leading real estate investor publication. Enjoy this complimentary issue. Be sure to download it and print it today to learn the latest tips and strategies for today's real estate market. Based in Santa Barbara County, Calif., Realty411 publishes online and print magazines, e-newsletters and produces expos and mixers around the United States. Their mission to to educate and empower their network to invest in real estate. The media/marketing company is owned by a real estate investor and licensed California real estate sales agent. Realty411 currently reaches more personal investors around the nation with their in-house expos and events than any other realty investor publication. Many expos are charity events where awareness and donations are raised for numerous worthwhile organizations, which focus on assisting the homeless, victims of domestic violence and animal welfare.
Private Money 411 - PREVIEW: Find the Funds Here with PRIVATE MONEY 411Realty411 Magazine
Need Money for Your Deals? Is Creative Deal Making Right for Your Next Real Estate Transaction? Find All the Answers your Need Here in our Private Money Special Supplement by Realty411 Magazine.
This document is a magazine that provides information to investors about investing in IRAs, mortgage notes, and leaders in the real estate industry. It also profiles a real estate mogul and provides additional inside content as a bonus for readers. The magazine aims to educate investors worldwide on various real estate investment opportunities and resources through both print and online media.
This document advertises a real estate expo and conference taking place on July 19th in Santa Barbara, California. It provides details on the event location, time, and encourages attendees to network with industry leaders and vendors. Information is also provided on a real estate investment lending program highlighting loan amounts up to $800,000, rates starting at 11%, and loan-to-value ratios of up to 85% of purchase price.
This document advertises a real estate expo and conference taking place on July 19th in Santa Barbara, California. It provides details on the event location, time, and encourages attendees to network with industry leaders and vendors. Information is also provided on a real estate investment lending program highlighting features like loan amounts up to $800,000, rates starting at 11%, and financing up to 85% of purchase price. Attendees will learn tips on commercial and residential real estate, marketing strategies, self-directing IRAs, real estate investment opportunities in Baja California, and access to funding options. Speakers from across the country will present on various real estate topics.
IMPACT Silver is a pure silver zinc producer with over $260 million in revenue since 2008 and a large 100% owned 210km Mexico land package - 2024 catalysts includes new 14% grade zinc Plomosas mine and 20,000m of fully funded exploration drilling.
Best practices for project execution and deliveryCLIVE MINCHIN
A select set of project management best practices to keep your project on-track, on-cost and aligned to scope. Many firms have don't have the necessary skills, diligence, methods and oversight of their projects; this leads to slippage, higher costs and longer timeframes. Often firms have a history of projects that simply failed to move the needle. These best practices will help your firm avoid these pitfalls but they require fortitude to apply.
Industrial Tech SW: Category Renewal and CreationChristian Dahlen
Every industrial revolution has created a new set of categories and a new set of players.
Multiple new technologies have emerged, but Samsara and C3.ai are only two companies which have gone public so far.
Manufacturing startups constitute the largest pipeline share of unicorns and IPO candidates in the SF Bay Area, and software startups dominate in Germany.
Discover timeless style with the 2022 Vintage Roman Numerals Men's Ring. Crafted from premium stainless steel, this 6mm wide ring embodies elegance and durability. Perfect as a gift, it seamlessly blends classic Roman numeral detailing with modern sophistication, making it an ideal accessory for any occasion.
https://rb.gy/usj1a2
Anny Serafina Love - Letter of Recommendation by Kellen Harkins, MS.AnnySerafinaLove
This letter, written by Kellen Harkins, Course Director at Full Sail University, commends Anny Love's exemplary performance in the Video Sharing Platforms class. It highlights her dedication, willingness to challenge herself, and exceptional skills in production, editing, and marketing across various video platforms like YouTube, TikTok, and Instagram.
Starting a business is like embarking on an unpredictable adventure. It’s a journey filled with highs and lows, victories and defeats. But what if I told you that those setbacks and failures could be the very stepping stones that lead you to fortune? Let’s explore how resilience, adaptability, and strategic thinking can transform adversity into opportunity.
Digital Marketing with a Focus on Sustainabilitysssourabhsharma
Digital Marketing best practices including influencer marketing, content creators, and omnichannel marketing for Sustainable Brands at the Sustainable Cosmetics Summit 2024 in New York
Easily Verify Compliance and Security with Binance KYCAny kyc Account
Use our simple KYC verification guide to make sure your Binance account is safe and compliant. Discover the fundamentals, appreciate the significance of KYC, and trade on one of the biggest cryptocurrency exchanges with confidence.
Storytelling is an incredibly valuable tool to share data and information. To get the most impact from stories there are a number of key ingredients. These are based on science and human nature. Using these elements in a story you can deliver information impactfully, ensure action and drive change.
𝐔𝐧𝐯𝐞𝐢𝐥 𝐭𝐡𝐞 𝐅𝐮𝐭𝐮𝐫𝐞 𝐨𝐟 𝐄𝐧𝐞𝐫𝐠𝐲 𝐄𝐟𝐟𝐢𝐜𝐢𝐞𝐧𝐜𝐲 𝐰𝐢𝐭𝐡 𝐍𝐄𝐖𝐍𝐓𝐈𝐃𝐄’𝐬 𝐋𝐚𝐭𝐞𝐬𝐭 𝐎𝐟𝐟𝐞𝐫𝐢𝐧𝐠𝐬
Explore the details in our newly released product manual, which showcases NEWNTIDE's advanced heat pump technologies. Delve into our energy-efficient and eco-friendly solutions tailored for diverse global markets.
The APCO Geopolitical Radar - Q3 2024 The Global Operating Environment for Bu...APCO
The Radar reflects input from APCO’s teams located around the world. It distils a host of interconnected events and trends into insights to inform operational and strategic decisions. Issues covered in this edition include:
Part 2 Deep Dive: Navigating the 2024 Slowdownjeffkluth1
Introduction
The global retail industry has weathered numerous storms, with the financial crisis of 2008 serving as a poignant reminder of the sector's resilience and adaptability. However, as we navigate the complex landscape of 2024, retailers face a unique set of challenges that demand innovative strategies and a fundamental shift in mindset. This white paper contrasts the impact of the 2008 recession on the retail sector with the current headwinds retailers are grappling with, while offering a comprehensive roadmap for success in this new paradigm.
Top mailing list providers in the USA.pptxJeremyPeirce1
Discover the top mailing list providers in the USA, offering targeted lists, segmentation, and analytics to optimize your marketing campaigns and drive engagement.
How are Lilac French Bulldogs Beauty Charming the World and Capturing Hearts....Lacey Max
“After being the most listed dog breed in the United States for 31
years in a row, the Labrador Retriever has dropped to second place
in the American Kennel Club's annual survey of the country's most
popular canines. The French Bulldog is the new top dog in the
United States as of 2022. The stylish puppy has ascended the
rankings in rapid time despite having health concerns and limited
color choices.”
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CashFlow Express
1. Ca$hFlow
EXPRESS
No. 1 / Vol. 1 2012 Passive Income for Today & Tomorrow FREE
Learn How to Create Stock Investors Manifest a
Market Wealth Today “Cashflow” Mindset
By Doug Carver of real estate investing, trading stocks,
Organizer Pasadena and Burbank building a strong MLM business, etc.
I
Cashflow Meetup Groups You will not succeed. It’s like trying to
grow corn in a field of sand. The seeds
can remember my first time play- will not germinate and you’ll end up with
ing Robert Kiyosaki’s Cashflow next to nothing 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
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 take
were not like the normal what I learned from
people in my life that the game and apply
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.
it to my real-life fi-
you are familiar. for trying to start my own nancial situation.
TheWealthyInvestor.net
Yes!
If you’ve ever opened a can of real estate business or However, I real-
You can be Coca Cola on a hot summer day and that financial freedom was impossible ized that the time I was spending with my
rich from felt refreshed and invigorated, why without a steady well-paying job. The new Cashflow group friends was chang-
owning real not own the stock? It’s a product you people I met were excited about learn- ing the way I thought about money and
estate and trading stocks. know with a story you understand. ing and expanding their knowledge on my financial future. I no longer viewed
We’ve all heard the story of the When I say “a story you understand,” how to achieve financial freedom. They the stock market as a giant rigged sys-
little old lady who lived modestly I mean to say that you understand were active investors in real estate and tem for losing money. I began to see the
and worked as a school teach- how the Coca Cola the stock market. They were small busi- tremendous opportunities in the sinking
er for forty years. She never Corporation makes ness owners with a passion and vision real estate market even as many people
earned more than $35,000 per money, or to ex- for creating more financial success in I knew were losing money on deals that
year, owned a modest home, press it in Wall their lives. Overall, they had a mindset had gone bad. Overall, I saw for the first
and shared her life with two Street terms, you for prosperity that I like to call a “Cash- time opportunities all around me to cre-
cats. Once she died, her rela- understand how flow” mindset. ate wealth even as the newspapers talked
tives discovered a $150,000 the company earns A lot of people complain that Robert constantly of the “Great Recession.”
life insurance policy and $1.5 revenue. The more Kiyosaki in his books and programs does Today as a result of my ongoing in-
million in stocks that she left bottles and cans of not provide the specific details on how volvement playing and organizing local
to the elementary school’s Coke that Coca people should implement his strategies Cashflow events in Southern California,
scholarship fund. Cola sells around to create financial freedom. Truth is he I have a thriving real estate investing
The national media loves the world each day, never spells out a step-by-step “how to” business. It was after speaking with one
to air these stories. It seems the larger the com- for 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
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 Cashflow friend who is an active trader
than you think. the stock? Over the past ten years at all costs to someone who can confi- and learning about his trading system, I
McDonalds stock (symbol MCD) has dently and knowledgably take measured was able to see the opportunity before
Invest In What You Know risen from a low of $15 per share to a risks. This is a simplistic definition but a me. I now fully expect that investing in
high of $95 per share. very important one to understand. With- the markets will be a huge part of my fu-
Wanna be a good stock market in- out the correct mindset, it really doesn’t ture financial success in addition to my
vestor? Keep it simple and start with Continued on pg. 12 matter how much you learn the “how to”
Continued on pg. 2
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E
vestment. For example, if you are
veryone a first-time home buyer (or even an
yearns for empty nester), be open to the idea of
abundance purchasing a duplex or other multi-
and financial family property instead of a typical
security, it is a human single family residence. This way,
desire we all share. It is you can live in one unit and rent out
a motivation ingrained the other for income. As a landlord
in us as part of our myself, I know it’s not easy to live
survival mechanism. near tenants, but if you screen your
While we all have this prospective renters correctly, it will
in common, only a lim- reduce future nightmares. Be smart,
ited few ever actually reach true financial let other people pay off your mortgage!
security. The statistics can be depressing. You can always save money and then buy
According to the Retirement Confidence another home later, after you build a pas-
Survey (2006), 53% of Americans have sive income stream.
less than $25,000 in retirement savings.
Plus, 30% mistakenly believe that they 2. Increase Your Formal AND Finan-
will only need $250,000 or less in total cial Education. Did you know that earn-
retirement savings. ing a bachelor’s degree can increase your
One of the problems in our society is income by $25,000 annually? Plus, it gets
a lack of discipline in regards to saving. better: According to Census Data, earning
In fact, a recent study by Harris Interac- a graduate degree will net a person an-
tive found that 57% of households do not other $20,000 per year — that’s $45,000
even have a budget (2009 Financial Lit- more, year after year! Now, don’t com-
eracy Study). plain about the high cost of education or
In my 20 year plus career in journalism, how “hard” it is to go back to school. My
I have interviewed many successful and former neighbor was her 50s, running
wealthy people, from her own business and
celebrities to company attending graduate
CEOs. Undoubtedly, part
of the perk to this profes-
school part-time. It’s
never to late! Real Estate
sion was being able to
unlock their secrets. I’ve
compiled a list of impor-
It’s also important
to keep in mind that
universities do NOT
Syndication Lawyers
tant guidelines, which teach people how to Private Placements • Group Investments
were followed by many get rich. So on top of LLC/Partnership Agreements • All 50 States
of those who transformed your formal educa-
their mediocre life and tion, start taking class-
average paychecks into Linda with real estate mogul & educator es about investing. www.SyndicationLawyers.com
Dave Lindahl (www.REmentor.com)
extraordinary wealth. Financial classes are
These steps are not taught at most adult For information, call: 949-855-8399
easy to follow, but they will get you started schools and colleges for a nominal fee.
on a disciplined path and lead you toward I have also attended real estate seminars
creating a wealth-conscious mindset. for many years and have learned great tips
1. Reduce Your Household Expenses.
from top mentors, such as Dave Lindahl.
Looking for a Turnkey Rental in Kansas City?
Living in California, we have some of 3. Be an Aggressive/Conservative In-
the highest real estate prices in the na- vestor. Although it may sound like an
tion so reducing living costs can be a sac- oxymoron to be both aggressive yet con-
rifice. One move that I have seen many servative, it isn’t. It’s all about planning.
real estate moguls make is that they start
off their portfolio with a multifamily in- Continued on pg. 9
ebsite
The W nched Sign Up Online
t Lau ut
tha Deb
Our zine! for our Pocket
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CASHFLOWCOWS.com CashFlow Express • Page 3
4. Focus vs. Diversification your control over your investments. It’s
extremely important to continue to in-
crease your financial intelligence in order
Diversification is not required if a person
knows what they are doing.” So if diver-
sification is a protection against ignorance
A CPA/Investor’s Analysis
to protect yourself. Unfortunately, finan- then when you diversify who’s ignorance
cial intelligence is not taught in schools are you protecting yourself from? Your
because such a large portion of the popu- ignorance and your financial advisors’
lation, including teachers and politicians, ignorance? Focus, not diversification, is
do not have a very high financial IQ. the key to more sophisticated leverage,
By Mathew Owens, CPA vesting in non-paper assets (i.e. not mutu- When financial advisors say that an higher returns, and lower risk.
www.ocgproperties.com al funds or CDs) allows you to use lever- increase in returns means an increase in The point I am trying to make is that
M
age as well, which increases your wealth risk, they are right when speaking about if you increase your financial intelligence
ost of by making your the paper assets they recommend to inves- about specific asset classes, like real es-
what money work harder tors that they make major commissions tate, you will learn how to control your
h a s for you. Most finan- on BEFORE showing performance. They own financial security and wealth cre-
been cial planners will are wrong when speaking for all assets. ation, instead of relying on some finan-
drilled tell you that using Financial advisors are simply salespeople. cial advisor who probably does not know
into our heads about in- leverage increases Most people invest in paper assets such as what they are doing. Look at the massive
vesting in mutual funds, risk. That is not al-
Most financial advisors
CDs paying down our ways the case if you
mortgage and diversify- have the right finan-
cial knowledge to
recommend diversification
ing is nothing but smoke
and mirrors. The financial control the invest-
services companies like ment and enable
Fidelity, Charles Schwab
and financial planners are
safety controls on
your leverage use. but they do not really diversify.
the ones making all of They will also tell
the money. The problem you that real estate
is that most people have is a risky invest-
very little financial edu- ment. The reason savings, stocks, bonds, mutual funds and wealth transfer that just occurred when
cation in order to invest for for that is that finan- index funds because they do not want to the market crashed while bailing out the
retirement properly so they hand over cial planners typically lack the financial take responsibility and control over their banks (i.e. the top 1% wealthy individuals
their money to someone they HOPE will knowledge about how to control real es- financial well being. All they want is to increased their wealth while the middle
have the right knowledge base to safely tate and make it profitable. Most finan- turn their money over to an investment class and poor decreased in wealth). This
increase their wealth. The problem is cial planners put people into paper assets advisor who hopefully does a good job. happened because most people do not
that these investment types are HUGE- where the investor does not have control Out of sight, out of mind. If people want have the financial intelligence to protect
LY RISKY. These types of asset classes, and therefore it is hugely risky to use le- more control, the first thing they need to themselves.
paper assets, do not allow the investor verage. In real estate investments the do is increase their financial intelligence Starting to get financially educated is
control. Then during market crashes, all value of the property should not be based and, hopefully increase their financial the key to wealth creation. So get to the
most investors can do is watch helplessly on the “opinion” of an appraiser but on controls and leverage ratios. bookstore and start reading. Take classes
as their wealth gets whipped out along the income that it produces through rents. Most financial advisors recommend di- on financial intelligence and ways to in-
with their financial security. The value of the rental real estate is de- versification but they do not really diver- crease wealth. It is key to your success and
If you have more control over your as- pendent on jobs, salaries, demographics, sify. First they only invest your money preserving your wealth so that financial
sets then you are not affected as much by local industry, and supply and demand of in one asset class, paper assets. Second, predators (i.e. the government, financial
market crashes. For example, if you in- affordable housing. In a housing crash, mutual funds are already diversified in- advisors, and large mutual fund peddling
vest in assets like real estate that produce the demand for rental units often goes up, vestments which are invested in a pool companies) do not take all of your wealth
cash flow through rental income after all which means rents increase causing the of good and bad stocks which does not away by investing it in asset classes that
of your expenses are covered, if the real value of your property to increase. You increase the value or decrease the risk do not allow you any controls over those
estate market and stock market crash you can control rental real estate and which of the investments. Professional inves- investments.
are still in great shape. While everything geographic areas you invest in unlike pa- tors DO NOT diversify. Warren Buffett
is crashing you are still receiving your per assets that allow no control. Finan- put it perfectly when he said, “Diversifi- To contact Mathew Owens, please see
rents and do not need to sell the asset. In- cial intelligence is the key to increasing cation is a protection against ignorance. OCG Properties’ advertisement below.
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CashFlow Express • Page 4
5. Jump Start a New Year of Success Cash vs. Cashflow, pg. 6
ating $10,000 of monthly cashflow?
If you get nothing from this article,
By Geraldine Barry tic but now as I grow yourself, this is a process it does not hap- please get this. First, if you ever expect to
Founder of SJREI and REI Voice and learn to navigate pen over-night. create wealth and experience any sort of
I
this game called life, I financial independence while you’re still
t’s a New Year — time to re- have come to embrace • Lastly, live in the moment — whatever young enough to enjoy it, you’ll need to
evaluate, improve and refine this gift that I have been you are doing give it 100% of your atten- adopt, embrace and implement a residual
our daily habits and actions blessed with every day. tion. Walking the dog, having tea with a mindset. Second, don’t get stopped in
for success. Small, incremen- How do I do that? I start friend, working, talking to your children - your pursuit of residual income by con-
tal changes can reap big rewards my day with a prayer of be present, enjoy that moment. Your fam- fusing the value of cash and cashflow.
in terms of productivity and busi- gratitude naming the ily and friends will love you for this level Making the transition from accumulator
ness opportunities. As a planner myself, I things that I am grateful for — my fam- of attention — very few people can truly to residual-incomer and creating wealth
understand the significance of establish- ily, my warm cozy home, my friends, a do this. Be wary of electronics they can can also take some time, but by maintaing
ing goals to create new outcomes. If we hot cup of tea, a great book, quiet time to be thieves of our time, and our spirit...the a focus on cashflow, the time it takes will
can break those down into smaller more think, process or write, my warm SJREI things that renew you are not material — be nothing in the remote vicinity of the 40
manageable components we can achieve business community. they are love, companionship, friendship, year traditional alternative.
results more quickly. By appreciating these things, and so family, community, giving back.
many other seemingly trivial things I am Be brave, do whatever it takes to ac- Matt Theriault is an author, entrepreneur
Here are some things to consider as
happier, more content and I realize that complish new results — Make 2012 your and host of the fastest growing real estate
you plan for another year:
what I appreciate grows more secure, and best year yet! investing podcast on iTunes. Visit www.
becomes more defined in my life. Geraldine Barry is founder and president EpicProfessionals.com for more infor-
• If you don’t like things in your life you
Try it — I think you will like it too. of SJREI Association the premier educa- mation and to retrieve his free real estate
have the power to change them by simply
tional and networking association for real investing course How to Do Deals - No
changing yourself — things don’t change,
• There are people who drag us down estate investors in the Bay area. Under Money Required.
but you can! Any little modification can
make a difference — an introduction of — nay sayers if you will. Remove those Geraldine’s leadership SJREI has grown
something new, an exercise routine, a dai- people from your life. If they are your from a half-dozen investors to a vibrant Dream of Retiring Early?
T WITH CONFIDENCE
ly reading schedule, journaling, or simply family members, show them a new way three chapter organization with over 400
to be by mirroring for them your great investors attending monthly meetings. Join our Facebook
bonding with your family.
new attitude. My Dad shared with me In addition to leading SJREI, Geraldine Group and Mingle
• How you present yourself to the world (he ran a company, and had a family of is the frequent host of the radio program, with Successful
makes a difference, how you look, how six daughters, two sons and a wife!) that Going Beyond Real Estate, a regular Investors who Share
E D I AT E C A S H F LOW
you speak, how you interact with others, sometimes he survived by “psychologi-
who you interact with, what you read, cally absenting himself” from negative
guest on the nationally broadcasted NT-
DTV, publisher of award winning publica-
Your Financial Goals.
Share Tips • Post Deals
what you spend your time doing. What situations. tion REI Voice Magazine, and producer
D iscover the lowest-risk, highest-quality residential investment properties in the Request & Give Referrals
is your message to the world? Using sophisticated methodology,youbest investment properties areout,
I am here, How do do that? Tune them of the annual Bay Area Real Estate Expo.
country. the Post Links • Interact with
ready to take on a new challenge an experienced investor and rehabbed beautifully to situations,
carefully selected by and I capitulate, get away from secure the Geraldine resides in Silicon Valley, and is
Nearly 3,000 members!
want to change the best tenants. With competent property management, and instant cashdon’t propel
world in a positive people and attitudes that flow, your the proud mother of Colin and Claire, her
investment pays worry-free dividends from day one. Remember to be gentle as
way... it is your choice. you forward. two children. Contact Geraldine Barry JOIN & POST TO THE GROUP BY EMAILING:
• I have always been incredibly optimis- you work on this and have patience with at: sjrei.geraldine@gmail.com retireearlywithrealestate@groups.facebook.com
PROFILE OF YOUR FUTURE PORTFOLIO
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CashFlow Express • Page 5
6. M
ost of America was to travel. For if someday doesn’t arrive, are just squeaking by and only 1% of the flow when you’ve got $30,000 of cash
raised in a household it’s not like you can go back and try again. population actually reaches the age of 65 staring you in the face? I agree, there’s
where the road to You’re essentially at the end of life’s road “wealthy.” A “residual” mindset is what nothing sexy about $300, it has little value
wealth and success once you discover if it worked for you or this wealthy 1% has in common. It has today. It might buy you a pair of designer
was paved with the not. And what if it doesn’t? Then what?! been said that success leaves clues. In this jeans or a fancy dinner and a bottle of
ideology of going to school, getting good There is a road less traveled that de- context, however, success is leaving evi- wine. However, $300 of cashflow to the
grades, getting a good job, investing 10% serves your consideration. Additionally, dence, isn’t it? residual-incomer has tremendous value.
of your income, maxing out the 401(k), you might want to know that it’s faster As more and more studies and research You see, as I’m writing this article, the
cutting up credit cards and clipping cou- and easier, as well. I’ll prove it to you. are conducted, the concept of residual in- financial institution ING is advertising a
pons. If this is you, STOP IT! That sys- The alternative road exists within a “re- come and its wealth-creating power are 1% interest rate on their money market
tem is broken. It’s this “traditional” road sidual” mindset. The group that chooses becoming more common knowledge by account. I choose to use ING as an exam-
to success that could potentially be the this road lives life quite differently. They the day. That being the case, one has to ple because it’s just about the most gener-
How to Create Wealth: Cash vs. Cashflow
By Matt Theriault, EpicRealEstateInvesting.com and www.REICcashflow.com
demise of society as we know it, if not wonder why more people don’t ap- ous savings account available today to the
the entire country itself. ply this knowledge once it has been average consumer. So I’ll ask you, “How
It’s no secret that the current economy learned. much cash would you need to deposit
is a trying one for most. However, for It’s simple, actually. People into that ING account to generate $300 of
some, it’s the most profitable and suc- looking to make the transition from monthly cashflow?”
cessful economy they’ve ever experi- “accumulator” to “residual incomer”
enced, or will ever experience again. confuse cash and cashflow. Within the $360,000!
Why are some succeeding today while real estate investing arena, this con-
most are not? What road are they travel- fusion can be clearly illustrated, and An ING money market account balance
ing? What are they doing differently? I here’s how... of $360,000 would have to be maintained
could draw your attention to a number One, among many, of the attrac- to generate $300 of monthly cashflow.
of differences between the two group’s tive attributes real estate investing In summary, $300 of cash is worth $300
actions, yet what ultimately separates the possesses is that it can produce two of cash, but $300 of monthly cashflow is
two is little more than mindset. wake up every day with a focus of creat- types of income. Real estate can produce worth $360,000 of cash sitting in the most
Those traveling that antiquated tradi- ing or managing systems to work for their large amounts of cash through short term generous savings account available today.
tional road to success possess an “ac- money as opposed to they themselves strategies like fix-and-flip and wholesal- Do you get the difference now?
cumulation” mindset. This group wakes working for their money. Their focus ing. Real estate can also produce smaller And here’s more... Which is a longer,
up every day and goes to work for their is placed on creating residual income, amounts of monthly cashflow through not to mention more more difficult, road
money. Their focus, whether consciously whether through a business system or longer term strategies like buy-and-hold to travel? Accumulating $360,000 of
or subconsciously, is placed on exchang- their money earning money itself. They and lease optioning. The accumulator cash? Or, creating $300 a month of cash-
ing time for dollars with the hopes at know that once their residual income ex- looking to transition to residual-incomer flow?
some point in their life their income will ceeds their expenses, the accumulation will frequently, if not always, choose a You know your situation, skills and re-
rise, and their investments will perform, of assets and the creation of wealth will $30,000 fix-and-flip cash pay out over a sources better than I do, but creating $300
to a level that someday they will have essentially happen automatically whether $300 a month buy-and-hold cashflow. Al- a month of cashflow not only sounds fast-
accumulated enough to retire. they get up and go to work or not; And though they have the greatest intentions of er and easier, it is do-able. It’s realistic, as
Sure, this mindset has worked for it doesn’t take 40 years for wealth to be becoming a residual-incomer, their accu- opposed to the traditional-get-rich-slow
some, but it’s failing the vast majority created in this manner, either... far from it. mulation mindset is so ingrained that they program that has the country by the balls.
of our population. The reason being is Contrary to the “risky” label this road to can’t resist the big cash pay outs real es- Alright, alright... I can hear it now. No,
that this vast majority doesn’t start ac- wealth is commonly given, it is the road tate offers. It’s their mindset that prevents $300 of cashflow isn’t going to make a
cumulating (i.e. saving, investing) early that gives you the greatest shot at creating them from recognizing the true value of dramatic difference in your lifestyle. So
enough or possess the discipline to fol- wealth. $300 of monthly cashflow. And because what would? $5,000 a month? $10,000
low through to the end. Accumulation Maybe this is news to you, maybe it’s the accumulator tragically confuses $300 a month? By performing the same math
takes time, a lot of time. This entire ap- something you’ve known for a while or of cash with $300 of cashflow, they con- with today’s interest rates, you would need
proach to creating wealth is based on a maybe it’s just plain and simple common tinue to exchange time for dollars always to accumulate and deposit $12,000,000
principle called “someday.” Unfortu- sense. Regardless of where you stand, in search of that next “flip” and never take of cash into that ING account to cre-
nately, someday never seems to arrive. one would be hard-pressed to formulate that first step toward becoming a residual- ate $10,000 a month of cashflow. Again,
And for the few of which someday does a solid argument against it. The writ- incomer. which is a longer more difficult road? Ac-
arrive, it’s a 40 to 50 year journey. ing is on the wall. Depending on which Can you blame them, though? It’s easy cumulating $12,000,000 of cash? Or, cre-
Contrary to the “safe” label this road source you reference, the “traditional” to get caught up in the moment, right?
to wealth has been given, it’s a risky road road is failing 90-95% of the country, 4% What’s so appealing about $300 of cash- Continued on pg. 5
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CashFlow Express • Page 6
7. [ Calculate Your ROI
Return On Investment [ written by
R
eturn on investment. tenant in place. chase price for this home was $85,000. Net Operating Income = $3,953.48
That’s the whole point If you did not There are two different ways we can go
right? Being able to have a leased here. Assuming we paid cash for the So, that’s a big difference right? You
accurately determine tenant in place, property, the ROI calculation would look bet. Let’s take a look at the difference in
what your dollar is producing is a you would con- like this: your actual ROI.
critical step. Not just after you’ve sider this cal- Remember, your Cash Flow is calcu-
made your investment, but it is culation as if it $8540 / $85,000 = .1005 lated against the dollar amount you have
also a critical step in making deci- were part of a invested. In this case your total out-of
sions on future investments. For pro forma. You So using these assumptions, we have an pocket investment is your down payment
instance, accurately predicting would have to ROI of 10%. You might be thinking to of $21,250.
the return on an “all-cash” pur- consider things yourself: “Wow, what if I managed the
chase, versus one that is financed like “Vacancy property myself, or eliminated the main- $3,953.48 / $21,250 = .1860
can produce very stark results. Rates,” “Rent Bumps,” and “Tax Con- tenance reserve”. These are great obser-
Let’s take a look at a typical income- sequences” and deduct them from your vations, but we’ll talk about that later. So you can see that by financing this par-
producing residential property. The first “Gross Rental Income.” ticular property, you are actually receiv-
step is to identify all the variables we are Financing vs. All-Cash Purchase ing an ROI of 18.6%.
working with. In this example, we are cal- Here is what this calculation looks like: Let’s assume you financed this property.
culating a rate of return over the course Gross Rental Rate + $12,000 Again, we’ll use some typical numbers to The Value of Your Time
of one year. Taxes - $1,000 illustrate. After your 25% down payment Remember those thoughts you had earlier
Insurance - $500 ($21,250), you leave behind an amount about reducing things like maintenance
Net Operating Income (NOI) Property Management - $1600 of $63,750 that is financed at 6% for 30 reserves or eliminating property manage-
Every month, you get a happy rent check Maintenance Reserve - $360 years. ment? As you can see, calculating your
in the mail. This is your “Gross Rental Net Operating Income = $8,540 ROI is a simple and powerful tool that
Income.” Now, let’s take a look at the Here is what your calculation would you can use to make decisions on poten-
cost of your investment. For most prop- That’s it. Simple right? When you hear look like: tial investments. But there is something
erties, these are pretty standard and easy talk about “Cashflow”, it is your NOI that Gross Rental Rate + $12,000 missing from this equation — the value
to identify. we are talking about. So, we have iden- Taxes - $1,000 of your time.
For this example we will assume the ba- tified our “Gross Rental Rate.” and our Insurance - $500 For some reason, we have the tendency
sics: Insurance, taxes, property manage- “Net Operating income” or “Cashflow.” Property Management - $1600 to consider our own time as some infinite
ment, and a maintenance reserve. We will Let’s go ahead and calculate our actual Maintenance Reserve - $360
also assume that the property has a leased ROI for the year assuming that the pur- Principle and Interest - $4,586.52 Continued on pg. 10
There’s Dependable Passive Income In Arizona.
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CashFlow Express • Page 7
8. An Innovative Approach About Leonardo Management, Inc.
to Property Operations H eadquartered in Santa Monica, Calif., Leonardo Management was es-
tablished in 2008 by veteran real estate executive Daniel Cunningham
Leonardo Management & and has grown quickly to provide third party management services to com-
mercial office, retail and multifamily clients throughout California, Arizona,
Colorado and New Mexico.
the Nested Action Cycle Leonardo’s customer service and leasing was recently ranked #1 in the
entire country by Ellis Partners in Mystery Shopping and by utilizing its
proprietary software, which automates on-site operations. Leonardo also
offers a one-two punch in operations and leasing, which adds unprecedent-
By Daniel Cunningham to maximize profit, and dozens of distinct ed value to their clients.
President, Leonardo Management, Inc. roles a manager must play throughout the Representatives can be reached at:
O
week to get it all done. On any given day, info@leonardomgmt.com or at 213-674-4140
ne of the interesting things a manager may act as psychiatrist, coun-
about managing multi-family selor, contractor, lifeguard, janitor, police
apartments is that two simi- officer, accountant, salesperson, IT tech- vious company or whatever process was came Leonardo Management and we
lar apartment communities, nician, gardener, cheerleader, marketing easiest for them. Even when we did have started using the tag line “The Science
in close proximity, can have such vastly rep, and lawyer, just to name a few. I’m a defined process, I found that if we didn’t of Property Management” to recognize
different levels of success even though getting tired just writing about it all and, constantly audit compliance with the pro- this new, methodical way of approaching
the product might be quite frankly, it’s more than cedure, invariably it would be neglected operations.
comparable. Vacancies and some people can han- in practice. We adopted a very “reactive” But then we took things once step fur-
rentals can vary greatly dle if they aren’t able mode of management, whereby we would ther. Once the NAC was formulated and
among similar product to prioritize. It’s tre- get one problem under control just as the in use by the property managers within
types within the same mendously difficult next one would arise, with no opportunity Leonardo, we then used the same ap-
market. One property can to keep focused on to plan and get ahead of the game. proach to develop a software platform
appear well-kept and wel- what’s most impor- That was when I invented the “Nested which we called the Leonardo Intel-
coming; the other, com- tant when there are Action Cycle” (the “NAC”) approach to ligent Property Management System
pletely uninviting. Staff at so many demands on property management. I mapped out every (IPM). Now all our managers have to do
one property may convert one’s time. And when daily, weekly, monthly and annual task that is log into IPM every morning and it tells
a greater number of tours an individual proper- needed to be done and worked out a sys- them exactly what they need to be do-
into leases than the other. ty can be worth tens tem to track them so that we’d never drop ing that day, that week, and that month.
What makes the differ- of millions of dollars any balls on the operations side ever again. Like a friendly electronic Regional Man-
ence in a well-run, highly with revenues of sev- The shorter cycles nested within the longer ager looking over their shoulder offering
occupied property isn’t eral million dollars a cycles, ultimately producing a clockwork- guidance, IPM never takes a vacation,
luck, and most of the time year, losing focus for like conductor of management activity that never gets distracted with other issues at
it isn’t even related to the even just a short time covered the gamut of everything a manager other properties, and never, ever forgets
physical property itself. The most signifi- can have serious financial ramifications. needs to think about to efficiently and ef- what needs to be done. It sweats all those
cant factor, responsible for at least 90% I learned all this the hard way. I had fectively operate an apartment community. details I mentioned earlier and so now
of the success in this business, is the lo- been an asset manager most of my career By “dialing” the NAC to today’s date, the we can manage more properties with
cal staff running operations. Behind every — most notably director of asset manage- nested action cycles would instantly pro- fewer regional staff and still make sure
successful property is a manager who is ment for AIMCO, one of the largest own- duce all of the tasks a manager should be balls never get dropped. Owners can log
passionate about the job and, even more ers of apartment buildings in the United doing on that date. The NAC was difficult in any time to see what action items are
important, is thorough and consistent in States. So when the developer for whom to formulate, but amazingly straightfor- complete and when they were done. It
the day-to-day management—a manager I worked in 2007 asked me to start an in- ward in its application. Taken as a whole provides unprecedented transparency
who really sweats the details. house property management company it actually provides an entire year’s worth and our clients love it.
And therein lies the problem. There are for them, I figured it would be a piece of of explicit day-by-day activities that, when We’ve had lots of requests to license
a LOT of details involved in running any cake. followed in a regular, disciplined fashion, the Leonardo IPM and we’re taking an
apartment building, and trying to “sweat” I couldn’t have been more wrong. The without question will result in a meticu- honest look at that possibility. But until
all of them can cause burnout in even the year we took over property management lously managed property that will enjoy that time comes, Leonardo Management
best managers. You see, an apartment for the 1,300 units owned by that devel- higher occupancy, lower expenses, and benefits by having a real and proprietary
building is a self-contained, (hopefully) oper turned out to be one of the most chal- better resident satisfaction than neighbor- value proposition to offer property own-
self-sustaining business, and a compli- lenging of my career. My prior high-level ing competitors, with the end result being a ers — a way to do things better. You can
cated one at that. It has income and ex- “asset management” experience had im- more profitable business. read more about us and Leonardo IPM
penses, labor costs and marketing plans, printed a hands-off instinct, which left too The NAC gave us such an advantage in at www.leonardomgmt.com. We’d be
budgets versus projections, and even hu- many details to the on-site staff, and the operating these properties that I was in- pleased to offer a demo to any interested
man resources and legal matters that must wheels started to come off the cart. For spired to buy that management company property owner.
be dealt with. Often the lion’s share of co- every process that lacked a solid, well- from the developer and establish a pure
ordinating all this falls to a lone property documented procedure in place, the man- third-party management company of my To receive a free demo, please contact
manager. There are a bazillion moving agers would quickly default to whatever own, which would be based on the prin- Leonardo Management at 213.674.4140
parts, hundreds of levers to manipulate habits they had developed under a pre- cipals established by the NAC. That be- or email info@leonardomgmt.com
Your asset deserves a first-rate
Property Manager! www.SantaBarbaraREIA.com
On line all the time
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Leonardo Management provides commercial office, retail and networking, learn from the best how to invest
866-853-0803 www.PersonalPowerProject.com
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