Your Wealth Guide

When I was at the crossroads of my financial life a few years back, a lot of pathways were recommended to me to turn my life around and start gaining the freedom that I’ve always wanted. I tried everything at first, but I was also in the marshes of debt. I had run into quite a few commitments that I just couldn’t cope with. From network marketing to trading in the Forex marketplace, I just couldn’t do anything about my situation - taking risks was a risk in itself because I was always anchored by debt.

The issue here was that I, like many people who turn to the internet to eliminate debt, was that I was floundering around not knowing what to do. I needed to be taught, guided and shown exactly what to do. Let’s admit it, alot of us go onto the internet hoping to make money without a proper model or even a proper idea of what markets to choose, what products to align with or develop, or how to successfully utilise the many communications channels of the internet to get the proper volume to increase profits and make a viable income from the internet.

Many offers tout grandiose plans and sweeping promises. But how many exactly promise to hold your hand and guide you till your efforts bloom into independence? One of the most important things you should learn to develop (as I have realised in all the years I have been making money), is the strategy that you use. Be it in investment property, trading, mortgage marketing and speculation; every method has a sure fire A-Z list of strategies that can maximise your chances of landing a profit most of the time. While there is no 100% guaranteed fool-proof way of making money, you can pretty much stack up the odds on your favour, if you know the proper strategies to adopt.

This is how you can eliminate debt and create wealth from home. What you’ll need are reliable home-based study programmes that show you exactly how to eliminate debt and start leveraging on the resources at your disposable to make as much money as possible. I mean, affiliate marketing is a great way to generate a large amount of money, but if you have no idea how to do so, no proper structure in place and no strategy to point you towards the pot of gold over the digital rainbow, then you might as well have done nothing to eliminate your debt. Why work hard when you can work smart and if you aren’t, get smart.

An effective home study programme for wealth creation is the definitive tool that everyone needs in order to get a kick start in making huge amounts of money, eliminate debt and be financially independent - all from the comfort of your home. Many wealth creation gurus offer crucial how-to’s on DVD’s and eBooks which you can study at home. Take my word for it, it can change your life and get you focused and motivated to turn your life around - with a method that has been proven to works I would have given anything to have such vital information a years ago - but this is a problem you won’t have to deal with. There are plenty of legitimate wealth building resources and course that you can pick and choose from on the internet.



Are You Looking For A Realistic $250K First Year Income Potential?

Building wealth is all about having a system that implements fundamental steps that once you have learned can be applied to create wealth. These steps are crucial to achieving your Financial Freedom Day.

It is never too late to build a financial wall around you and your family that nothing can get through. This would be referred to as financial security. We call it your Financial Freedom Day! It is the day when you have enough assets that pay for all your expenses now and in the future. The quicker you identify your financial freedom day the better. It does not have to be 10, 15, 20 or even 30 years down the track. It is not unrealistic to have a Freedom Day of between 3-5 years. It is the day that you can travel with your family when and where you like with no restrictions, afford the home you want, put your children into the schools you desire and teach your children there are no limits.

Financial freedom is having an asset base which generates the income to not only meet your needs but to create a lifestyle that you dream of. You do not want to be relying on anyone for your financial freedom, the government, your employer, your partner, your husband, your family. Financial freedom changes your life!

So now you ask; how? How do I set a financial freedom day? How do I achieve fianancial freedom? Ask yourself At what age would you like to be financially free?

To achieve financial freedom you need a system. A proven, step-by-step, time tested system that will get you on the path to building wealth. This system

is called ‘Building Your Wealth Cycles’ comprising of 8 fundamental steps to building sustainable wealth. All entrepreneurs have a system to build wealth.

The 8 fundamental steps are as follows: -

1. Financial Conditioning

One of the first areas that must be looked at is your mindset with regards to money. Your mindset is a result of your financial conditioning, you must be aware of your conditioning and the impact it has on your potential to create wealth. You must be able to make the changes necessary to bring money and wealth into your life. We have been conditioned about our money beliefs from a very young age from people around us that loved us very much, like our parents, grand-parents, teachers, coaches, peer support leaders and other family and friends. They only know and understand what they have been taught about money from the family that raised them.

Start to think about the language that was used in the home when your were growing up. Was it “money doesn’t grow on trees” or “no, we can’t afford that” or “Do you think we have a money tree growing in the yard” or “I’ll put that away for a rainy day” or “Money isn’t everything” and finally “Money is the root of all evil”. These are just some of the beliefs that have been handed down generation to generation in countries all around the world.

We encourage you to sit down and write down some of your beliefs around money. Also, ask your children whether they hear your limiting beliefs around money and what are they.

2. Financial Baseline

Your financial baseline is all about identifying where you are right now with your finances. You must take a look at the reality of your present financial situation. Start today, from where you are right now. It might be a little scary or fearful. You cannot get to where you want to go without knowing exactly where you are today. Start asking some very basic questions like How much money do you currently earn? How much money do you spend? For how much, and to whom are you in debt? Do you have anything set aside in savings?

Just remember, what you did yesterday, last month and last year does not have be indicative of what you are capable of doing in the future. The most important thing you can do is take stock of where you are right now!

Also, how do you keep your financial records. Do you keep things in a shoe box and only empty it out once every year. Do you have piles and piles of paperwork everywhere. Do you have a filing system set up? If you don’t have your finances organised then you will not have a good clear picture of your financial baseline.

3. Financial Freedom Day

Millionaires always have a plan. They determine their financial goals and take action to make them happen. Your Financial freedom Day is the day when you’ve reached your financial goals. To determine when your Financial Freedom Day is you need to know what your vision is. Your vision is a picture of how you want to be living sometime in the future. In order for you to be motivated and move towards your vision it must be exciting, realistic and must never compromise your valuues. You must also excercise no limit thinking. There are 3 things you need to clarify in order to declare your Financial Freedom Day. They are your monthly cashflow, your total net worth and the day, month, and year that you want this to occur.

4. Managing Your Lifestyle Choices

Managing lifestyle is all about managing your debt levels. It is about creating a debt elimination plan that will eliminate credit card debt. There is good debt and bad debt. Bad debt is debt associated with lifestyle choices. It is where you’re using your income to increase your liabilities. Good debt is debt that is acquired through the purchase of assets, assets that are then invested to produce passive income.

5. Foundation of Your Wealth Cycles

A wealth cycle is a process whereby you are paying yourself first before paying anyone and anything else. This ensures that money is being allocated to your asset column. It is something that is ongoing and the purchasing of assets does not just happen once. A wealth cycle also includes an understanding of entity structuring for the purpose of protection and tax. You must also make a decision about the type of investor you are whether you are active or passive. You must also develop some money rules and stick to them.

6. Acceleration fo Your Wealth Cycles

This is all about education. You must educate yourself in the areas you want to invest whether it be stocks and shares or real estate or international securities or commodoties or collectibles. Seek mentors and coaches that specialise in those areas of wealth creation.

7. Leadership of Your Wealth Team

No-one creates wealth without a team around them. No more ‘Lone Ranger’ you must surround yourself with team. Leadership of you wealth team is one of the most under-discussed areas of leading your wealth. Make no mistake, you are the leader of your wealth team, whether you realise it or not. Your job is to inspire, motivate, hold and communicate the vision to all of those on your team.

8. Creating Sustainable Action

Keep taking action each and every day. You must every night right out a list of revenue producing activities. You must work towards your Financial Freedom Day, every day. Even if they are small action steps it does not matter.

Expand your knowledge in these 8 fundamental steps through education, mentoring, coaching and acquiring specialised knowledge and it won’t take you long at all to achieve levels of wealth you never thought was possible.



We help with your success!

Money is an interesting to look into. It seems that many people have a lack or deficit in this area. If you find yourself in such a position, and money seems to be a hard to come by commodity, then read this article. It is an eye opener and one that should set your on a new course of success, wealth, and abundance of money.

You owe it to yourself, your family, friends, neighbors, humanity and the world to learn about how to make money and build wealth. Though it may not seem apparent, but the truth is that our society moves forward based on several aspects. These aspects are what makes money what it is.

So, what is money? You will not find any technical descriptions which an economics professor will give you, but pure gold.

When you work for someone, that company pays you money in the form of a salary or wages. But, why are you earning this money? This money you earn is based on several factors; however, we are only interested in 2.

Before giving you these important 2 things that are essential for making money, building wealth and creating wealth, we want to think of an aspect which doesn’t become apparent, when you are an employee.

We need to look at a bigger picture. We now need to concentrate on what happens between buyers and sellers. You see, when people give money for something, it can be thought of as a vote. So, when you buy a computer, buy a book, go to watch a film at the cinema, you are making votes - with your money.

But, what makes this vote? This vote happens because of the 2 things I wrote about earlier. If someone asks you for money, the question that comes - what is it for? You see, we need to see value from something.

And this is the first key - value. Without value, you can’t buy something; after all, it would be silly. Even the money you give to a charity has value. When you buy a product at discount, there is value right there. Seeing a flight for $500 and the same flight for $450 shows you that the discounted price gives you more value for your money.

The second aspect then becomes what else comes from that value. If we look back to the example of working for someone, we will easily see that we get paid based on value. If for example, you produce $100,000 for the company you work for, then you may earn $20,000. As you increase value, the more you earn.

There needs to be something else. And if you look deep enough, you might find it. The second key then becomes service. When you couple these two together, you have an amazing combination. Look at any product, at any business, at any success story, and you will see these keys are deep routed in that result.



Wealth Builders!

Wealth management can be referred to as an advanced discipline relating to advice in terms of investment which incorporates specialist monetary services and financial planning. The main objectives are providing families dealing with services in retail banking, legal resources, investment management, and taxation advice goals to sustain and grow long-term wealth. Monetary planning can help the individuals who are accumulating wealth or have already done so.

Wealth management can be exemplified through self-governing advisors or huge corporate entities such as Citigold of Citibank and the other extensions regarding services relating to retail banking designed for focusing on customers dealing with retail worthy of high nets. Customers of such type are likely to be categorized as ‘upper retail’ or ‘mass affluent’ clients owing to net worth of theirs, potential products owned by them from bank, assets of their under management, and many other segmentation methods.

Banks create exclusive services, branches, and other advantages for retaining or attracting the customers who can earn more profits in comparison with the customers detailing with retail banking. It should, however, be noted that clients of wealth management cannot be termed as ‘Private Banking’ clients as they do not justify the criteria of services of banking provided by private banks.

Background

The term ‘Wealth Management’ traces its origin in the 90s in the United States through Insurance Companies, banks, and Broker Dealers. The evolution of wealth management traces to high-net worth monetary consulting for people who happen to be topmost clients of any of the firms, to high level private banking which makes provisions for different kinds of investment, bank products, and insurance. With the passing of Glass-Steagall Act in the year 1999, monetary firms have been able to make arrangements for all the 3 services from a single office.

With emergence of wealth management in the form of professional service, along with career opportunity, educational programs like AAFM, i.e. American academy of Financial Management certified by CWM and Chartered Wealth Manager plan are arranging for modified wealth management training to individuals and corporations alike. Wealth Management is used to serve the affluent community, along with Chartered Monetary analysts, certified managers of wealth, Public Accountants, government-licensed lawyers, insurance professionals, etc.

Criteria for various countries

In the US, only CPAs and lawyers possess the license provided by government for providing advice related to tax or legal matters on complicated wealth management, tax law, estate planning, retirement, or even other legal matters like divorce or business management.

In Australia, the rules regarding wealth management are such that only those advisers who qualify under PS 146, i.e. Policy Statement no.146, outlined under Financial Services Reform Act of the year 2001, administered and governed by ASIC, i.e. Australian Securities Investments Commission are entitled to provide advice regarding financial products to the retail clients.

Job profile

People engaged in the wealth management generally work for brokerage firms, investment banks, accounting firms, law firms, trust departments, consumer banks, or portfolio management and investment firms. Smaller ones like registered advisors might also provide broad array regarding services pertaining to family and office.

Products dealt with in wealth management include stock trading and stocks, investments linked with equity, derivatives and products relating to structured investment, foreign exchange, unit trusts and mutual funds, investments and management of property, etc. Alternative investments with respect to wealth management include art, wine, precious metals, etc.



We help with your success!

You may have heard of using OPM, or Other People’s Money, to leverage yourself to true wealth. This wealth building strategy has worked for many investors in the real estate and options markets. But have you heard of OPT?

What is OPT?

The OPT wealth creation strategy uses the same principle, leverage, but here we are using a totally different medium - the power of the mind. The power of the subconscious mind to create a prosperity mindset has been highly touted, especially recently.

But first let’s lay some groundwork.

Today, more and more enlightened folks are achieving greater success in their lives by elevating their thoughts. When applied specifically to the realm of manifesting abundance they practice such prosperity rituals as abundance affirmations and abundance meditations. They also engage in visualization meditations to create financial prosperity.

For instance, in a quest to attract abundance you might practice advanced visualization exercises in which you picture yourself manifesting money in your life. Often specific amounts or specific material goods are visualized in the mind’s eye. For example, you might repeat positive affirmations and conduct a creative visualization in which you see $2,500 coming into your life in the next month. Or maybe you visualize yourself manifesting a new Mustang to replace your junker.

These techniques have been written about and are being practiced more and more by those wishing to develop a wealth consciousness.

Is there any evidence, though, that this abundance mentality and these prosperity affirmations can create wealth? And, if so, what is the secret wealth system, OPT, that you might use to leverage this ability?

There is now an abundance of testimonials from those who practice these creative visualization meditations and prosperity affirmations stating that these techniques have often catapulted them from debt to wealth. They often laud these techniques saying that they have become wealth magnets attracting abundance - often from unlikely sources!

Having seen the testimonials to their effectiveness, you might agree that it would be wise to start implementing some of these prosperity rituals in your own life. But, is there a way to attract abundance beyond just honing your own mental powers?

What about OPT?

OPT stands for Other People’s Thoughts. You’ve seen the power of developing a wealth consciousness in order to attain wealth. That means expanding your own mental power in order to become a wealth magnet. That is great, but why not try to leverage the mental power of two minds, or 20 minds, or 200 or even 2000 or more minds to attract wealth?

That is the power of OPT. Using other people’s thoughts means having other folks send you energy from a distance in order to create what you want in life. Of course, this principle is not limited to attracting money. It can work with healing energy, achieving success, improving relationships, etc..

I know what some of you might be thinking - “sounds like a lot of mumbo jumbo, is their any hard evidence to support these claims?” Actually, there is now a surprising number of studies that point to the effectiveness of sending thoughts at a distance.

Dean Radin, PhD, in his powerful book, The Conscious Universe, said this, “is there any evidence that thinking about people at a distance, directing either calm, loving thoughts or aggressive, malevolent thoughts, actually affects their physiology? Four decades of laboratory experiments…reveal that the answer is quite clearly yes…”

And Katra and Targ in Miracles of the Mind noted, “For over two decades, Dr. William Braud has conducted more than 30 experiments, involving over 650 testing sessions, examining the “direct mental influence of living systems.” Braud has demonstrated that it is possible for one person’s mental processes to telepathically affect those of another person, both directly and from a distance. All of these experiments in mental-influence-at-a-distance were successful, and most important, they were repeatable.”

The two quotes above are indicative of the numerous studies that now point to the effectiveness of sending energy to others. But, how can you use this knowledge to help yourself and others?

Why not form a group and start sending each other energy. From the results of the studies it appears that distance is Not a factor when sending the energy. This will allow you to indiviudally hone your creative visualization skills while at the same time attempting to manifest the dreams of those in your group.

You might mix it up and send different energies in different months - love energy one month, abundance the next, healing the next and so on. Or, create a group focused on just one energy, say healing or attracting wealth.



We help with your success!

Building wealth is technically easy, but many find it to be practically challenging. This is understandable, with all of the distractions that everyday life throws at us. The solution to this problem is as simple as taking an active interest in your personal finances. You must become genuinely interested in securing your financial future. A sound wealth-building plan that will lead you to a comfortable early retirement is not hard to implement, no matter what your current situation is. After all, how many things are more important?

Well, many would say that living for today is just as important, and that saving for their kid’s college education is of primary concern. I couldn’t agree more! Those things simply must be handled. But they needn’t compromise a well thought-out wealth building strategy. In fact, the success of such a strategy is in no small way dependant on those other important things also being taken care of. Everything in your financial life must integrate well or your progress will surely suffer.

The critical components of an organized financial plan that focuses on building wealth are as follows: First off, an emergency fund must be in place for life’s unforeseen circumstances. A good figure is 3-6 months living expenses. Secondly, spending and consumer debt must be under control. Get those credit cards paid off and don’t carry balances on them. Third, automatically be building savings through traditional investment vehicles. Max out contributions to your 401K or an IRA account, have automatic deductions made into a college savings account. Finally, allocate a steady monthly stream into an aggressive investing account that seeks to make 30% annual returns or more. This can be done manually or by having a managed trading account.

OK, so your first question undoubtedly has something to do with, “How much?” How much is it going to cost you now, how much are you going to get back, and when? A compound calculator can help answer those questions. It’s all up to you of course, but the important thing is that you make regular monthly contributions into an investment vehicle that is earning an average 30%+ annual return, and is compounding monthly. If you can’t free up enough from your existing income, then start a new part-time business.

Consider that an account size of just $700 with a $300 additional monthly deposit will become over $432,000 in 12 years with a 30% annual rate of return. This figure disregards tax consequences, but such a feat could be accomplished inside of a tax-protected vehicle such as an IRA or the American Skandia variable annuities (which allow aggressive mutual fund trading). A $10,000 starting account with $500 added monthly will be worth over $1.8 million in 15 years time if averaging a 30% annual return.

The number one objection I hear when presenting this concept is that a 30% annual return isn’t possible to earn. That is simply not true. You can achieve this by learning aggressive trading strategies, some of which are allowed inside of tax-deferred accounts. There is a lot to choose from, so you should go with something that appeals to you. Some examples include: Market timing strategies, option trading strategies, swing trading, and covered call writing. As a last resort you can always go with a managed account or a trading advisory service, but shop very carefully if that is your chosen vehicle.

The other big objection is that there just isn’t enough income available to make that kind of monthly deposit commitment. Fortunately, that situation can be fixed by a combination of reducing your expenses and increasing your income. If you are straightening out your finances first, as described at the beginning of this article (which is a must), you will find ways to do this. If necessary, you can start a new part-time business that you can run by spending just a few hours a week at your computer terminal.

The bottom line is that you can build wealth in your lifetime if you have a mind to. You have to make it a priority, and commit to the effort. I have just shown you what to do, now you need to get organized and start doing it.



Are You Looking For A Realistic $250K First Year Income Potential?

There is no shortage of opportunities for making money on the internet at least not according to the many vendors selling wealth creation programs and “get-rich-quick” schemes. Truth be told, there is very good money to be made with legitimate financial wealth building programs, but picking a winner is not always an easy task. So how can you find a good program online to help you create wealth? Is it even worth trying?

Finding The Best Wealth Creation Programs Online

Start by determining your financial goals and the amount of time and effort that you can put into your wealth creation efforts. Then, look for financial wealth-creating programs that meet (or better, exceed) the following criteria; good wealth creation programs should be:

- Simple; the parent program should have expended an effort of their own in designing the system, so that you do not have to recreate the wheel to start making money. Their efforts should be ongoing as well so that you can continue to grow within the program and make more money as you learn more.

Proven; it’s nice to be a standout, but you shouldn’t be your wealth creation system’s only success story. Look for testimonials and references of those who’ve paved the way before you. It’s even better if you can find one whose authors have learned from experience i.e., used their experience to formulate their money making strategy.

Fresh; there should be something unique about your system of financial wealth creation so that you know you are paying for some actual meat in the program, not just shelling out for a program that claims to create wealth but in reality only spurts back more of the same old same old. The method doesn’t have to be entirely new, but it should at least present things in a new or more understandable way, or things few others have brought forth before.

- Credible; you should be able to research the founders of your online wealth creation system to learn more about them, besides what they have to say about themselves. Find people who will vouch for them, or look for accounts of their success across the web.

- Supportive; you are buying into a system for creating wealth because you need some help to organize your efforts and some educational direction. Your wealth creation system should offer continuing support not just to get you started, but to lend advice as you get into the program and later as your experience warrants expansion into other facets of the wealth creation program.

- Reliable; in short, the system you choose to help you make money should never leave you hanging. The system should be reliable and proven, with plenty of examples of success, and the tools, support, and resources the wealth creating program provides should be dependable as well.

Regardless of the program’s intent, a good program for building financial wealth will be all of these things and likely more. You should never feel shy about demanding great things from your wealth creation system; their express goal and function is to help you make money. If it looks like one is interested only in taking your money, best to move on so that you can get the best return on your wealth creation investment possible.



Wealth Builders!

We’ve all done it. We have a young child or grandchild and we think, “Let me buy him/her an adorable little piggy bank that they’ll love and feed, and then the child will grow up and understand the value of a penny saved is a penny earned.”

It sounds good. It makes sense. It should work. But, it doesn’t. Why not? Because piggy banks teach negative, dysfunctional and counter-productive money beliefs, that we just do not fully realize or comprehend until we’re into our busy 20s, 30s, 40s and 50s and trying to raise a family. These “piggy bank habits” are completely contrary to “wealth habits.”

What are some of the negative and very limiting money beliefs that piggy banks teach? Let’s take a look:

- Put all of your money here in one place

- Let it sit there being useless

- Ignore this bank, ignore your money

- When you want your money, then you must dig, scrape, bang, and break into the bank to get to it to use it

- If you want to count your money, you must dig, scrape, bank and break into the bank to get to it to count it

- When you do finally get to your money, you may find that maybe you have enough, or maybe you don’t - it’s a wild guess

Think about this:

Would you like to run your household finances with these beliefs? What if someone told you that you had to manage your household finances in this way?

You would tell them, “You’re crazy!” This system would result in complete frustration, chaos, aggravation and dysfunction if it were applied to your household finances.

In addition to teaching negative money beliefs to our children, piggy banks are completely impractical and “disrespectful” toward today’s money. Piggy Banks may be cute and adorable, but they are completely lacking in the basics that a bank needs to allow us to work with our money and to allow money to work for us.

Ever try to put a coin into a piggy bank after it’s been jammed with the birthday gifts of $5, $10, $20 and $50 dollar bills? Ever try to put one of those bills into a piggy bank’s little slot?

Piggy banks teach disrespect for large sums of money, and for the currency in general. Piggy banks teach children to just crumple money into a little ball and shove it in. As good parents, we teach kids to make their bed, fold and hang their clothes neatly, keep their homework organized, but, when it comes to money, the piggy bank teaches kids to just crumple their money and shove it in.

So, then, why do we train up our children to deal with money in a manner that is destined to fail for them when they try use it as adults?

The answer is simple - because that’s what we were taught as children, and that’s what is marketed to us. We do have choices. One of our choices is to do something different, and thus, to teach something different about money to our children.

We can choose to set up banks for our children that teach:

1. Separating money into compartments for different uses

2. Investing - so that your money makes money for you

3. Donating - so that your money can help others improve their lives

4. Spending - in an amount that fits within a budget and a plan

5. Saving for Big-Ticket Items - so that large expenses are planned for, rather than a surprise

6. Taking care of the physical money well - with a neat (and fun) place for coins and bills

7. Counting money regularly to mark progress toward goals, and to make decision making easier

8. The concept of Return On Investment (ROI) - which even many adults don’t yet know

9. Compound Interest - which many adults know, but don’t yet full understand

10. Wealth Habit Muscles - if a child regularly works with a 4-part wealth-building bank (instead of a piggy bank) when he/she is young, then he/she will have a strong wealth-building muscle when he/she becomes an adult (instead of the debt and rat-race muscle that is so prevalent today)

Piggy Banks - cute small silent insidious programming devices with huge negative debt-ridden consequences. Your mission as a parent is to disable the device and replace it with a tool that builds wealth and character. Now you are armed with insightful information that enables you to take the action you need to raise wealthy kids - even if you’re not wealthy (yet)!

(c) Copyright Theresa A. Markham, Esq.



Build Wealth!

One of the most troublesome concerns for those considering property investments is having the necessary knowledge to make quality decisions regarding a topic they may not know a lot about. Instead of shying away from property investment methods, though, those looking to build wealth should focus on this area. The underline fact is that anyone that has a basic knowledge of investment and the willingness to learn can take full advantage of the many real estate investments available today.

What You Do Not Need To Do

Today, there are plenty of investment methods available to you in terms of real estate investing. You do not have to purchase a piece of land and either sit on it to see a rise in its value nor do you have to work on building and developing that property to see a profit. These things do take time, money and larger risk than is necessary. When you invest in property through property options, for example, you minimize your risk substantially. There are also things you do not have to do.

1. You do not have to manage the overall business of running the property.

2. You do not have to handle the costly repairs to the property to see a profit.

3. You do not have to invest a lot of your money into the real estate in the hopes of seeing a profit.

4. You do not have to invest a lot of time in your property in the hopes that the value will rise in the long term.

5. You do not have to invest your time in learning the business of running rental property, or real estate in general.

When you consider property options, you have plenty of opportunity without a lot of investment at all.

Getting Started In Investments

Anyone considering building wealth needs to take into consideration the many benefits that can and do come to those that invest in real estate. They need to realize the true benefits of security and value that come from property investing over other types of investing. Getting started does not have to be difficult. Most importantly, getting started in the business of real estate does not have to be costly. You do not need a large amount of money to get started and that means that anyone can find themselves in the position to build wealth securely through real estate without risking a lot at all.

For those considering wealth building through property investing, it pays to take the time to gather facts and information. It is also helpful to understand the overall process of property investing. If you do decide to go through property options as your method of investing, take the time to learn the business of doing so. You will find that in terms of securities, stocks and other types of investments, that property options can really help you to make it without causing you to break the bank in the process.

Realize too that plenty of people that have a huge stake in property investing right now, including big name celebrity investors have used property options as the way in and the way up the ladder. Nothing is too complex, but everything is a potential or a gold mine.

Real estate investing should be something you consider, from day one of investing.



Let us teach you how to be successful!

The primary purpose of good credit is to save you money by helping you procure lower interest rates that otherwise wouldn’t be available to you. Interestingly, some consumers fail to recognize this fact when considering the appropriate option for debt resolution. The main reason for this is a lot of people interpret their credit on an emotional level instead of a rational one. That is, they think of their credit score as something more than it is—something more than just ONE tool that lenders look at to determine whether giving you a loan will be profitable for them—and it becomes a matter of pride, not a matter of financial health. In the end, the mistake of thinking about one’s credit on an emotional level instead of a rational one can cost a consumer buried in credit card debt and only able to afford minimum payments thousands of dollars in finance charges and even more in the years of life consumed by financial anxiety.

Another part of the problem is that most people, even when trying to tackle the issue rationally, do not understand what makes up their credit score. The largest components of your credit score—your credit history and the amount you owe—are both influenced by debt settlement, one negatively (credit history) and one positively (the amount you owe). Although your credit history is marginally more important than the amount you owe when factoring your score, the difference (5%) is rarely enough to compensate for the savings from enrolling credit card debt into a settlement program. The more money you’re able to save from enrolling in a debt settlement program, the less the credit impact should be considered a factor. Why? Because any higher interest rates that you’ll end up paying down the road as a result of the credit impact will rarely outweigh the money you saved by settling credit card debt. So who in the end benefits the most from a settlement program—-1) people who owe a lot; 2) people who can only afford to pay the minimums; 3) people who are paying high interest; and 4) all of the above. To illustrate this point, consider the following examples.

Let’s assume that you owe $30,000 in credit card debt. Your average annual percentage rate on these cards is 19 percent, and you are only able to afford the minimum monthly payment, which in your case adds up to $750 total. Given this scenario, it would take you approximately 12 years and $108,000 before finally you dug out of debt. In a debt settlement program, however, it would take approximately 3 years and $16,500 total to eliminate your debt. That’s a $91,500 difference versus making the minimum payments. Rarely will your subsequent higher interest rates ever make up the savings from debt settlement, especially when you consider the fact that you can always refinance any loans once you’ve built up enough equity.

One of the most frustrating things to come across in our industry is a consumer who owes a lot and is only able to afford the minimums, but was still unwilling to sacrifice their credit even in the slightest bit in order to climb out of debt and save money. I recently dealt with a consumer from the South Side of Chicago who was $40,000 in the hole with credit cards. His interest rates were at 29 percent and he was only able to afford the minimum payments, which amounted to $1700 total in his case. When he tried to convince the creditors to lower the rates, they simply told him that based on the amount of outstanding debt on his credit report he was too much a credit risk, so they needed to charge him higher interest. When he tried to obtain a home equity loan, he was turned down for the same reason, even though his credit score was in the high 600s. Yet when I mentioned that our debt settlement program might impact his credit negatively, he scoffed. There was no way he would ever affect his credit negatively. At the end of our conversation, I tried to referring him to our affiliate credit counseling company, but he wasn’t interested because enrollment in a debt management plan would appear on his credit. His decision to stay on course with the minimum payments will ultimately cost him over $20,000 a year and probably his young children the opportunity to attend a 4 year college, maybe more.

By failing to be realistic and rational in his approach to the impact of debt settlement on his credit, this consumer worsened his financial situation significantly. He thought of his credit score not as something that can save him money by getting him lower interest rates on loans, but rather as some sort of social marker on where he was at in life. He considered the idea of a negatively affected credit score probably much like someone in the Middle Ages thought about the idea of being excommunicated or the way a 14 year old feels about not being part of the “in crowd” at school.

When considering your debt resolution options, I urge you to look at the options available to you realistically. When comparing debt settlement to the other options available to most consumers I find myself famous Winston Churchill quote on democracy:

Debt settlement is the worst form of debt resolution, except for all the rest of them.



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