RealEstateInvestment101

IRA, Real Estate in your IRA

2006-12-11T11:17:00.000-08:00

Self Directed IRA
http://www.myrealestateira.com/portal/Lucrative-Real-Estate-IRA-Options-To-Truly-Diversify-Your-Retirement-Portfo.php
Your resource for Self Directed IRA strategies.
My Real Estate IRA will show you the basics of buying real estate and investment properties with your Self Directed IRA.
Do you have a Self Directed IRA with Checkbook Control?
Are you paying stiff Self Directed IRA Custodian fees and not getting the value from your IRA?
Are you paying for IRA retirement advice, but no Self Directed IRA investment opportunities offered?
Don't know where to start? Call us .... Toll Free 866-683-5228
You will find information on the following subjects:
Learn how to turn your Traditional IRA or Roth IRA and 401k into a Self Directed IRA that puts you in control of your retirement funds.
Learn how to earn tax favorable income from your real estate tran sactions.
Use Your Self Directed IRA to invest in Real Estate; Learn how to buy non traditional investments such as High Yielding Real Estate Notes, rental property, ocean front property, lake front property, probate property, commercial property, REO property, tax lien property, repossessed property, foreclosed property, apartment communities, and storage facilities. You are only limited by your own creativity.
Lower Real Estate IRA - 401k Custodial Fees with a Self Directed IRA, LLC.
Reduce your Liability in a Self Directed IRA, LLC and reduce your risks and enhance your returns safely.
Gain checkbook control of your Self Directed IRA (write checks yourself for your investment objectives)
My Real Estate IRA can help you structure your Self Directed IRA:
Incorporate non traditional assets within your Self Directed IRA portfolio. For example, real estate in an IRA;
My Real Estate IRA 401k advisors will help you diversify IRA investment portfolio by utilizing existing assets on a tax favorable basis;
My Real Estate IRA help investors liquidate or exchange assets on a tax favorable basis
Commercial Real Estate Investors learn how to use your Self Directed IRA Funds to invest in your next Commercial Real Estate Investment Property.
Also take a minute to visit our Research Center and Frequently Asked Questions, Self Directed IRA Glossary to learn more about IRAs, to learn how you can invest your IRA in Real Estate and what is considered a prohibitive IRA transaction.
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Weasel Clauses

2006-12-07T16:26:00.001-08:00

Weasel Clauses

John T. Reed¿s book review of Robert Shemin’s Secrets of a Real ...
Weasel clauses have long been a staple of bad real estate seminars. ... Real-estate-investment books ought to have a profit strategy. Amazingly, most don’t. ...www.johntreed.com/Shemin.html - 11k - Cached - Similar pages
Property Foreclosure - Frequently Asked Questions
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eBay Guides - Managing your investment after purchase
Never enter into a real estate purchase contract without a weasel clause (also ... that property investment, the insurance will step in to take care of it. ...reviews.ebay.com/Managing-your-investment-after-purchase_W0QQugidZ10000000001867788 - 44k - Cached - Similar pages
Purchase Agreement Clauses That Save Your Butt
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Choosing what to buy

2006-12-07T16:11:00.000-08:00

investment property uk investments properties flats apartments ...
property world real estate agents investments websites sell news features ... Minimum investment € 1750. Choose for capital growth of 300% in 3 years OR be ...www.themovechannel.com/investment/ - 38k - Cached - Similar pages
property real estate properties for sale buy homes houses ...
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The Creative Investor - #1 Commercial Real Estate Investing Online ...
Search our commercial real estate properties database of for sale / for lease properties. Talk with other investors, brokers, and professionals. Buy Smarter ...www.thecreativeinvestor.com/ - 23k - 6 Dec 2006 - Cached - Similar pages
Preconstruction Investment Real Estate Condos and Properties
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Online Exclusive: Buy Real Estate in Your IRA
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Real Estate Courses, Opinion of

2006-12-07T15:56:00.000-08:00

Real Estate Course Reviews
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John T. Reed's view of various real estate investment gurus
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John T. Reed’s views of various real-estate-investment gurus Copyright 1997, 1998, 1999, 2000, 2001, 2002, 2003, 2004, 2005, 2006
Here is an alphabetical list of famous real estate investment gurus and seminar organizations along with information about them which investors may find of interest. Where I have a relevant product, it is mentioned and linked to the appropriate page. The Federal Trade Commission has a similar page although they are reluctant to name names, but they do identify red flags to watch for at www.ftc.gov/ftc/consumer.htm.John T. Reed on real-estate-investment information Real estate investment page Who this page is for A few observations to make after nine years of reader feedback Why I created and maintain this page Real Estate Book Reviews by John T. Reed
By clicking on the guru in question, you can move quickly to the entry in question. When I got into real estate in 1967, there would only have been about ten gurus, all book authors, and all recommended. The all-recommended status continued until Nothing Down author Robert Allen came on the scene in 1979. Ever since, there has been an endless parade of B.S. artists coming into the real-estate-investment-advice field. It is an embarrassment to the good people in the business.
If you want me to rate a guru, your best chance is to send me something he or she has written. I will not return it and I cannot guarantee to rate the guru.
Please tell me of your experiences with real estate gurus so I can share them with my Web site visitors. Thanks.
ARobert J. Abalos John AdamsJohn Alexander Robert G. Allen Richard ArzagaBJim Banks Len BarryJohn Beck Ed Beckley John Behle Gary Belsky Steve Bergsman Robert A. Blair Sonny BlochBill Bowen Scott Britton Bill Bronchick Albert Brown, Jr.Louis Brown Bob Bruss Larry Burkett John BurleyCCash Flow Generator Joel Cassway CCIM Courses George F. CoatsPeter Conti Wade Cook Creative Real Estate Online (See JP Vaughn)DRuss DalbeyRobert Dahlstrom William Danko Jay P. DeCima Dave Del DottoDolf De Roos Claude Diamond Elmer Diaz Gary DiGrazia Joe DominquezEGary Eldred Gayle B. Ellison Cliff Enz Richard Epley
FDavid Finkel Foreclosurebargains.com ForeclosureListings.com Foreclosureworld Fortune 21 Dan FranklinGRichard Gardiner Marc Stephen Garrison Jane Garvey Bill Gatten Genesis Media Thomas Gilovich Charles Givens Global Resource Network Steve GoffSteven Good Allen Gorin Benjamin Graham Bill "Tycoon" GreeneHKevin D. Haag Mark Haroldsen Greg Hickman Tyler G. Hicks Tony Hoffman Larry HolderI interlinkwealth IREM courses Robert Irwin J Victoria A. Jackson Vena Jones-CoxK Joe Kaiser A.D. Kessler Ernie Kessler Robert Kiyosaki Nick KoonL Joe Land Loral Langemeier Learning Annex Ron LeGrand David Lindahl
Al Lowry Thomas J. LucierMMAI courses Michael Martin Tony Martinez William McCorkle Bill Mencarow Kevin Meyers Mike and Irene Milin Jack Miller Joel S. Moskowitz My own mother N Jimmy Napier Nation Wide Real Estate Discounters Nationwide Real Estate Discounters CorpH. Roger Neal Bill Nickerson Bruce Norris Nouveau Riche P Programcritique.com George Paukert Sidney A. Paskow Dante Perano Wayne Phillips Tony Pico Larry Pino John Polk William Poorvu Richard PowelsonR David Ramsey James Randel Real Estate Investment Forum Real Estate Link Marshall E. Reddick John & Greg Rice Jon Richards Leigh Robinson George Ropchan Stephen RoulacSAl Seastrand J.C. Sbicca John Schaub
David Schley James Schwartz Lonnie Scruggs Carleton H. Sheets Robert Shemin Simple Man’s Guide to Real Estate Howard Small James Smith Thomas Stanley John Stefanchik Bill Steiger Martin Stone Spencer Strauss Success MagazineT Milt Tanzer Bill Tappan Jeffrey Taylor Suzanne P. Thomas Ted Thomas Wright Thurston Troy Aurelius Titus Donald Trump U John Ulmer US Mortgage ReductionV J.P. Vaughan Bill Vaughn Eugene Vollucci Tom VuW Michael T. Warren Wealth Investment Network Stephen Weeks Fred WeinkaufDavid Whisnant Russ Whitney I.G. Williams Richard WoodYLance Young
Here is a link to three emails I received. The first guy refused to give me his name, so I changed the names of the gurus he mentioned. But some of the things he says I heard from other sources. Guru John Beck then saw it and confirmed it so I added his version of the story, which has the actual names of the gurus.
Robert J. Abalos --- I recommendI read his book on Investing in Land and generally liked it a lot. Here is the review I wrote.
John Adams --- UnknownUse my Real Estate B.S. Artist Detection Checklist to evaluate this guru.
John Alexander --- I do not recommendRidiculous prices ($5,000) and numerous too-good-to-be-true promises. F'get about it.
Robert G. Allen (San Diego, CA) --- I do not recommendAuthor of best-selling books Nothing Down, Creating Wealth, and The Challenge. One-time seminar guru and founder of many Robert Allen Nothing Down clubs around the U.S. Allen’s advice is generally terrible. Although I did like a chapter he wrote on property-wanted ads. Otherwise, he is little more than a financial publicity stunt man.
My book How to Buy Real Estate for Little or No Money Down photographically reproduces documents from his famous “Send me to any city” nothing-down deals. The L.A. Times accepted his “challenge” and made him do them in San Francisco which is near where I live. I went there and got all the documents on each of the seven deals. Some were also done in the county where I live.
On one, which was apparently typical, the documents seem to show that Allen lied to the first-mortgage lender—Bank of America—about whether there was any secondary financing (there was—a seller mortgage) and about his intention to occupy the San Francisco condo as his principal residence (He lived in Provo, UT at the time and never occupied the SF unit). At that time, June, 1981, when home mortgage interest rates were at 18%, Bank of America would only make loans to owner occupants and prohibited all secondary financing. I have their loan policy for the date in question in the book, too. My wife was a loan officer for Bank of America at the time. [Note to bogus gurus: do not brag about deals that you do not want me to look into—especially in the San Francisco area. John T. Reed].
At best, you would have negative cash flow following his books. At worst, you would go bankrupt and wind up in jail. He doesn’t put it this way, but his nothing-down techniques almost all require you to mislead an institutional lender or take advantage of an unsophisticated seller or both. The president of his Atlanta Robert Allen Nothing Down Club literally went to federal prison (at Eglin AFB, FL) for doing illegal nothing-down deals. There is virtually nothing in his material about how to make a profit. Rather he simply assumes that real estate goes up so much every year that you need only buy it to cash in. Click here for a little story about his association with probate guru Jim Banks.
Allen himself got into financial difficulty with the IRS as early as 1984. In 1986, IRS filed a $346,395.79 lien against Allen. In September of 1987, when I wrote an article exposing his financial difficulties, he also had:
another $65,649.90 IRS lien
more than $76,000 of delinquent tax warrants filed by the State of Utah
lawsuits and judgments regarding over $100,000 in unpaid fees to fellow gurus who spoke at his meetings
Allen declared Chapter 7 (total liquidation used when the bankrupt has a negative net worth) bankruptcy in San Diego on July 10, 1996 (Bankruptcy Petition #96-09323-LA). Bankruptcy creditors sometimes get pennies or nickels on the dollar. According toAllen’s bankruptcy papers, his creditors got nothing. The Initial Meeting of Creditors was held on August 9, 1996. A lawyer tells me that Allen would have been asked quesitons under oath about his assets during that meeting. A copy of the transcript of that meeting would be interesting. It would typically be in the case folder. See my 8/96 article.
The Allen’s attorney, Richard V. Vermazen, got $2,000 to handle their bankruptcy according to court papers. The Allen’s were discharged from their debts on 10/17/96. The case was closed with no distribution to the creditors on 10/31/96.
The creditors who were stiffed in the bankruptcy file were:
• American Express Optima Card• Bank of New York• Citibank Visa• Farmers InsuranceGroup (San Diego)• Ferrette & Slater ALLC (San Diego) • Franchise Tax Board (California income tax)• Internal Revenue Service• John Graff (Highland, UT)• Mark IV Properties (San Diego)• McKay, Burton, Thurman (Salt Lake City)• Neiman Marcus• Nordstrom• Robinson-May• Saks• Scalley & Reading APC (Salt Lake City)• Scott Meredith Agency (New York city)• Shirl and Gail Loveless (Provo, UT)• Simon & Schuster (New York City)• The Broadway (Phoenix)
The Allens may have had other creditors. These were the only ones listed in the bankruptcy court files. Now that Allen is running full-page ads touting his financial skills in theTwenty-First Century, one wonders if he has gone back and paid these creditors like his fellow Provo guru Howard Ruff did after his post-bankruptcy financial rebirth.
In what must have been a weak moment when I was interviewing him for the ’87 article, Allen told me I, “do a great job and that I keep guys like him honest.” I have it on tape (with his knowledge and permission). I won’t take credit for keeping him honest—or give anyone else credit for doing that.
I think Allen has an interesting story to tell. But it’s not the one he sells. He should speak about real estate investment the way a reformed alcoholic speaks about drinking. For cheaper , accurate information on real estate finance, see my book How to Use Leverage to Maximize Your Real Estate Investment Return, my High Leverage Real Estate Financing cassettes, and my newsletter articles on finance.
Later, he was sending out an e-mail soliciting customers for a business opportunity that has “nothing to do with real estate.” As far as I’m concerned, nothing he has ever done had anything to do with real estate. It was merely about making Bob Allen rich and famous. I am told that his former associate Marc Stephen Garrison once had a private conversation with Allen that went something like this.
Garrison: “I m concerned that our students are not using the real estate investment information we’re teaching them after the course is over.”Allen: (wearily) “We’re not in the real estate investmet information business, Marc. This is show business.”
If you paid thousands of dollars for one or more of Allen’s courses, I hope you enjoyed the “show.” Although I suspect you could have gotten more entertainment at the hottest play or musical on Broadway for a lot less.
Click here to read an email from one of his seminar graduates.
On 9/4/02, a reader told me Allen was back to 65% real estate in his current seminar.
I also heard that Allen was telling people his bankruptcy was caused by an avalanche that destroyed an expensive home he and his wife were building. He tried to pawn that story off on me, too. Here are the details as I recall them. The avalanche occurred around February. But the IRS and the State of Utah had filed liens against him for non-payment of taxes months before the avalanche. Furthermore, I interviewed him by phone about all this and recorded the conversation with his approval.
I asked him what kind of real estate genius, as he was claiming to be at the time, would fail to insure his home. He said he did have insurance against the avalanche. “Did you file a claim?” “Yes.” “Did the insurance company pay it?” “Yes.” “So how did the avalanche cause your financial difficulties if it was fully insured?” He then mumbled something about a deductible. Gimme a break. At the time, he was claiming to be a multi-millionaire. Millionaires are not bankrupted by the deductible on their homeowners insurance. Plus there is still the pesky fact that he was in financial difficulty before the avalanche ever happened. And then there is the question of why he was building a mansion in the mountains when he was not paying his state and federal taxes like the rest of us.
Rich Arzaga, San Ramon, CA --- I recommendTeaches a 10-night course at University of California, Santa Cruz extension in Cupertino, CA on real estate investment. For information, call Rich at 925-735-2600.
Jim Banks --- I do not recommendProbate speaker. I heard his free come-on speech. I talked to him afterward. He struck me as a first-class jerk---gratuitously hostile and belligerent. I do not recall ever discussing him with anyone who disagreed with that assessment or who valued his probate advice. I do not recommend him. I recommend Gary DiGrazia's probate book instead. Also, there is a chapter on probate in my How to Buy Real Estate for at Least 20% Below Market Value.
A visitor to this Web site sent me the following: "I had found a 6-tape seminar by J.G. Banks entitled "Treasure Hunting Probate Real Estate" for $1.98 in a Sacramento thrift shop and it piqued my interest, particularly when he talks about $20,000 to $40,000 profit per deal. Jim Banks is not a polished speaker and he didn't use a quality tape production company. There were two copies of tape 6 in the package, one of them labeled as tape 2. I don't know why the original purchaser in 1987, at $317.70 (the VISA receipt was still in the package), didn't get it replaced."
Click here for a humorous anecdote about Banks having to remove pages criticizing Robert Allen from Banks' Treasure Hunting book after Banks started appearing at Allen events.
A recent caller said Banks is now charging $6,000 for his seminar. Lord, that's a lot of money! This caller said there were two phone numbers of satisfied customers in Banks' free presentation. My caller called both and found they were both "no longer in service." He asked Banks for the names and phone numbers of other satisfied customers and Banks flatly refused to give him any. If you want names of my satisfied customers, along with cities, states, and, in many cases, e-mail links, see the reader comments listed under my various book titles and my newsletter.
Len Barry --- I do not recommendYet another flim-flam medicine-show guru selling "Elixir of Real Estate Investment." 98% salesmanship and 2% real estate knowledge, only half of which is valid.
John Beck --- I do not recommend his TV infomercial tax lien products or servicesI love John the person, the writer, and the speaker. However, I have received an unacceptable number of complaints and nothing but complaints about Genesis Media Group, Inc. or Family Products, LLC or whatever. The company that sells the Free and Clear program through the infomercial and a “mentoring” or coaching program in which John trained the mentors, provides material that the mentors and mentorees use, and is on call to to help them.
In the past, I relied heavily on John for his expertise on real estate investment. His 1970s and 1980s books, newsletters, and speeches were excellent. However, there is no longer a lot of reason to mention them because they are now unavalaible and were written years ago.
In the Twenty-First Century, he has gone the TV-infomercial-out-of-Utah route. There is not now and never has been a worthwhile Utah-based TV infomercial product. In fact, there are few, if any, worthwhile infommercial products from anywhere with the possible exception of record collections. I have tried to disusuade John from the Utah approach. I presume his other friends have as well. To no avail.
Here is an item I published in my newsletter, Real Estate Investor’s Monthly in January of 2002:
John Beck’s ‘Free and clear’ infomercialI had long heard of John Beck’s infomercial for his “Free and clear” course on investing in tax-lien certificates, but I had never seen it—until recently. John is a long-time real-estate investor and guru. He is also a lawyer and a friend of mine. My articles and books have often featured John’s adventures and opinions.
I was channel surfing around 12:15 AM recently when I heard the name “John Beck.” It was freaky. We tend to regard TV as another world. But when they kept saying John Beck and writing his name on the screen, I thought, “Hey, I know him! He’s a real person, not a TV character!”
The infomercial features a young man and woman who finish each other’s breathless sentences about how wonderful John’s course is. They are as energized and enthused as only TV pitchmen can be.
From time to time, the scene changes to some guy interviewing John. But it was not the John I know. He is rumpled, low-key, laid back, thoughtful, slow to speak—sort of an intellectual Jimmy Stewart without the stuttering.
What I saw on TV was what I would expect if you gave him a dress-for-success makeover, made him double-park his car in downtown San Francisco, and had him drink diuretics for three hours without letting him go to the bathroom. He seemed to be sitting on the front of his chair and almost shouting his lines with a tremendous sense of urgency. The guy who interviewed him behaved the same.
Apparently the producers of the infomercial, Genesis Media, have found through focus-group research or something, that the way to market a book on investing in tax-lien certificates is to say over and over how cheap such purchases are—often under $1,000 in the examples in the infomercial—and that those who buy such houses have no mortgage or mortgage payments. I am not sure they ever mentioned the phrase tax-lien certificates. It was cheap, free and clear, cheap, free and clear, cheap, etc.
One bit of John’s influence was apparent. The commercial was honest. John repeatedly held up color photos of houses and stated the price at which they sold via delinquent-property-tax procedures. If John says it, it’s true.
There were testimonials, but they, too, were honest as far as I could tell. For one thing, they claimed far less success than the outlandish nonsense you hear on other real-estate infomercials.
The testimonial givers were not identified, but one was Ron Starr, an investor and guru who has co-authored books with John and who has often been featured in my books and newsletter. Somehow, they made Ron look ten years younger in the infomercial—which I guess is not surprising after they made John look like an investment banker.
The infomercial appeared to have been part John insisting that it be honest and part Genesis insisting that everyone act like carnival barkers. From the emails I have received, the problem arises after you buy the $39.95 course, then start receiving calls from boiler-room salesmen who pressure you into buying far more expensive services.
I pass the complaining emails I get along to John and he seems to win most of them over when he contacts them. [2005 note: This is no longer the case.] I surmise that he is also asking Genesis to behave in such a way that fewer complaints are generated. I have never seen the $39.95 course. I love John; have no use for Genesis.
I was asked to do an infomercial about an exchanging course many years ago. I refused in part because I felt the infomercial format had been used almost universally by sleazeballs. Although it would theoretically be possible to do an honest infomercial, the mere fact that I was using that medium would make me look like a sleazeball.
I said I might do it if I could make it look totally different, but when I described some ways I would want to do that, the producer rejected them out of hand. The only way they would do it was a fake talk show format. The only identification that it was a commercial that they would allow was a fine-print written disclaimer at the beginning and end of the half hour. No way, I said.
After years of recommending John’s pre-infomercial stuff, I must now reluctantly categorize him as a “do not recommend.” I do not recall ever having done that before with any guru. It is rare for someone to change his stripes so late in life. If anyone knows how to bring back the old John Beck, I would support the effort strongly.
Ed Beckley --- I do not reccomendMoved to Iowa to be near Mahareshi Yogi transcendental meditation. Shut down by attorney general for not paying refunds. The Wisconsin state Bureau of Consumer Protection published a Guide for Wisconsin TV stations which lists several "Questionable infomercials," among them those of Ed Beckley's Home Business Technologies. See also David Martin's letter.
John Behle (Salt Lake City)Here is an item I posted on Behle on 4/16/99:
"Behle once tried to rent my mailing list. I refused to let him because I thought the advertising piece he wanted to send was misleading. It was made to look like a newspaper article and had a post-it note on it that looked like it came from a friend. It was signed "John B." I had received the same piece myself previously and called my friend John Beck to ask if he had sent it. That's when I first heard of John Behle."Behle responded (4/17/99):
“Stabbed! - The latest victimI had been so thrilled to stay off John T. Reed's hit list. He doesn't have a competing book about paper, so I thought I might be safe. Apparently someone inquired and now his faulty memory and facts have colored me too. It's not a big deal, just not true. I left a message on his voice mail which since it wasn't ‘worshipful’ will probably lead to further attacks. I guess I knew it was just a matter of time. Here's the scoop - I mean poop.
I’ve never tried to rent John's list. He has nothing to do with paper and wouldn’t be an interesting list for me anyway. The only list I've ever rented in my life is Creative Real Estate Magazine (a couple times).
I doubt John cares about facts, but the letter/ad he is referring to was developed and marketed by a company named Unicorp or Millionaire Consulting Service. They marketed a consulting service for Bob Allen and Mark Haroldsen.
I sued them and won over the fact that they used their infamous “John B” letter as they called it. Nothing in the letter ever mentioned me or referred to me, yet in a marketing script that we uncovered it mentioned that if they thought it was a friend or relative that had sent it to not disagree with that. If they were upset or enquired (sic) as to who sent it, the marketer was told to say that it came from John Behle in their marketing department. I never had anything to do with their marketing department. For a few months I helped out in doing some training for their consulting staff and handling the most difficult consulting situations.
I sued them because many people did assume the letter came from me. At that time about 100,000 people per month had been reading the magazine articles I wrote for many different publications and my name was the first to come to many people's minds. They mailed out tens of thousands of these ads per week and just about anyone with the name “John B” paid the price. Chuck Abbot, Doug Holmes and Richard Allen that developed the ad said that they chose that name because almost anyone knew a "John B". I sued for $750,000 in damages and because they didn't have a leg to stand on, they settled. I just wanted an apology, the cessation of any use of my name and just to rub Doug's nose in it a little, I received rights to use his mailing list (total junk), the Unicorp mailing list and had him sign a letter to clear up falsehoods that they had spread among their employees. I'm not a real vindictive person, so I didn't mail the letter. I guess I should have. Anybody want a 10 year old 30,000 name mailing list from a consulting service?
Once again, John T. Reed’s facts are messed up. Hopefully he will show his intentions are honorable and clear it up. What do you wanna bet?
JOHN T. REED - I DO NOT RECOMMEND HIS RECOMMENDATIONS
From what I’ve heard, his books are very worthwhile reading, his opinions of others in many cases are flawed.”My (John T. Reed's) response (4/17/99) to John Behle’s email:
I stand corrected. I was wrong. My apologies to John.Gary Belsky and Thomas GilovichClick here to read my review of their book, Why Smart People Make Big Money Mistakes.
Steve Bergsman --- I recommmendHere is a review of his book Maverick Real Estate Investing
Robert A. Blair, President of National Home Buyers Training Corporation --- I do not recommendI am told they charge thousands of dollars for seminars. See my article on expensive seminars.
Sonny Bloch (deceased) --- I do not recommendRadio and book guru. Sent to prison for income-tax evasion. Died in 1998.
Bill Bowen --- UnknownI recommend that you use my Real Estate B.S. Artist Detection Checklist to evaluate this guru.
Scott Britton - University of Real Estate Letter --- I do not recommendAccording to a promotional mailing I received, he sells a video in which you learn how to "make $10,000 in 98 days." $10,000 divided by 98 = $102.04 per day or $102.04 divided by eight hours = $12.76 per hour. According to my local want ads, you can make that much in jobs like the following: driver, chauffeur, customer service, child care site supervisor, carpet cleaner. Britton's way of making the $12.76 a hour is rehabbing buildings that you must buy, rehab, then sell to get your money. There is far less risk and effort in a customer-service job.
Bill BronchickI disagree with him on due-on-sale clauses. See my article on the subject. I also reviewed a book he co-authored on flipping.
Albert Brown, Jr.(Southern CA) --- UnknownI recommend that you use my Real Estate B.S. Artist Detection Checklist to evaluate this guru. A visitor to this site said he was a good guy with reasonable prices and ethical, practical advice.
Louis Brown --- I do not recommend
Bob Bruss --- I recommendNationally syndicated real estate columnist, author of occasional books, publisher of California Real Estate Law newsletter and a national real estate advice newsletter. Solid investor with a law degree and extensive experience. He and I do not agree on everything, but I recommend his books, newsletter, and column without hesitation.
Larry Burkett --- died 7/4/03Author of Business By The Book, The Complete Guide of Biblical Principles for the Workplace and Using Your Money Wisely, Biblical Principles Under Scrutiny. Many people believe the Bible is the word of God. It turns out, there is considerable discussion of financial matters in the Bible. Larry Burkett is a sort of combination Bible fan and personal finance/business guru. His books give his interpretation of what the Bible says about various financial issues.
I do not disclose my religious beliefs. Nor do I tell other people what religion they should join. I leave that to people like Robert “Did I tell you I was a missionary” Allen. (A missionary is someone who tells you that you are in the wrong religion, he is in the right one, and that you should switch to his. That’s Part I. In Part II, he tells you that you must send 10% or some such of your income to his religion’s headquarters for the rest of your life if you buy Part I.)
Having said that, however, I must add that I welcome ethical analysis of the various approaches to real-estate investment. There is far too little ethical discussion in the real estate business. Whether the Bible is THE Good Book is something for you to decide. However, I do not think there is any question that it is A good book in many respects as far as ethics are concerned.
The code of ethics I recommend is1. Tell the truth2. Keep your promises3. Treat others the way you want to be treated
Also, in real-estate transactions, I believe you are not ethical unless you require that persons with whom you do deals meet appropriate suitability standards. Almost no one does and most of the nothing-down and lease-option approaches now being pushed by various gurus fail those ethical standards. My Real Estate B.S. Artist Detection Checklist also offers detailed ethical standards for real-estate gurus.
In short, while I may not agree with every point Burkett makes, in general, most investors would benefit from study of the ethical implications of various real estate and business techniques whether it be based on the Bible, the Koran, or other popular religious or secular teachings.
John Burley (Glendale, AZ) --- UnknownI recommend that you use my Real Estate B.S. Artist Detection Checklist to evaluate this guru. I am told he appeared with Robert Kiyosaki in Australia. I would not have done that. His Web site is rather brief and vague, but still manages many hits on item #20 of my BS detection checklist, for example, when he refers to his “automatic system for Creating Wealth.” Says he “retired” at age 32. So what’s with the making speeches in Australia and selling products and “boot camps” off a Web site. He’s hustling a buck pretty hard for a retired guy. Few retired people have Web sites, and those that do only have family news and photos.
Cash Flow Generator (Cape Coral, FL) --- I do not recommendNow owned by Russ Whitney. See my extensive articles on him.
Joel Cassway --- I do not recommendToo expensive for my tastes. Worked with Givens and Pino.
CCIM Courses --- I recommendI took the Certified Commercial-Investment Member of the Realtors® National Marketing Institute seminars in the mid-1970s. The ones on income-tax law and the time value of money were excellent. I did not much care for the one that taught how to do a feasibility study. Although it has been many years since I took those seminars, I have heard nothing since that would cause me to believe the current versions are any less excellent. The name of the Institute has changed to Commercial Investment Real Estate Institute. www.ccim.com
George F. Coats --- I recommendAuthor of Smart Trust Deed Investing in California. Super book. Super guy. Best information I know of on trust deed investing. Those of you who do not live in California are foolish to wait for your state to produce a George Coats. Other states are generally not large enough to warrant the writing of real estate investment books aimed just at one state. Even if they were, guys as good as Coats are probably a once-in-a-lifetime occurrence. You have to modify Coats' California book with your own local research if you want to invest outside California.
Peter Conti --- UnknownUses the business name Mentor Financial Group, LLC. The purpose of an LLC (limited liability company) is to make it harder for you to sue the owners of the company in question successfully. Use my Real Estate B.S. Artist Detection Checklist to evaluate this guru. Advocates use of lease options. See my article on that subject. His Web site says Mentor Financial is “Registered by the Colorado Secretary of State’s office as a company in good standing…” That seems to imply some sort of approval or endorsement by the state. In fact, all corporations and LLCs are required to register with the secretary of state’s office. That’s about as meaningful as my saying I am “Registered by the California Department of Motor Vehicles as a vehicle owner in good standing.” The products on his Web site sound like the same old mix of nothing down, lease option, etc. that so many other gurus are pushing.
Wade Cook (Seattle, WA) --- I do not recommendReal Estate Money Machine author. He has declared bankruptcy multiple times, has unpaid fines levied against him by state attorneys general, has been the subject of cease-and-desist orders from attorneys general, has taken the Fifth Amendment in court, and has been indicted. Smart Money magazine did an extensive article (“Wade’s World”) on his financial and legal difficulties in October 1996. Call 800-925-0485 for a copy. The State of Texas went after Cook on 5/1/98. While you are at the FTC Web site, you may want to search around for other pertinent information. I suggest you bookmark my site before you do so you do not have to hit “back” a zillion times to find your way back. Here is a link to a Reader’s Digest story about Cook and other gurus. There is a devastating article from the Wall Street Journal at the Motley fool Web site. The Street.com has an article with a nose-diving graph showing the performance of Cook’s trades and another by a staffer who attended Cook’s seminar.
On 10/5/00, Bloomberg News accounts said Wade Cook Financial Corp. would offer refunds to thousands of investors who attended Wade Cook stock-market seminars. This was to settle action brought against Wade Cook Financial Corp. by the Federal Trade Commission. Cook was also sued by the attorneys general of the states of AL, AZ, CA, ID, IL, KS, MO, NC, NM, OK, OR, PA, TX, and WA. Cook told investors they would learn how to double their money every 2 1/2 to 3 months and claimed “We do it all the time.” Cook’s corporation’s stock market investments lost 42% of their value in the first half of 2000.
Investors who did not earn back from stock-market trading at least what they paid for the seminar (up to $6,295) are eligible for refunds. Shares in Wade Cook Financial Corp sold for as much as $5.30 in 9/97. They now sell for 18¢. Although neither Cook’s students nor his shareholders have done very well (he owned 64.5% of Wade Cook Financial Corp. on 4/30/00), Cook himself took $22 million out of the corporation in compensation—more than triple corporate earnings for the period.
Cook is a best-selling author (Wall Street Money Machine) and also wrote Real Estate Money Machine previously. He is one of a number of best-selling financial authors who make that list, in large part, a rogue’s gallery. The many people who buy Cook’s books and attend his seminars are idiots. I have talked to some on the phone. When they ask about him, I recite all his legal troubles, including his bankruptcies. They then ask what I think of his latest book. Like I said, idiots.
On 12/19/02, Wade Cook Financial Services was put into involuntary Chapter 7 liquidation bankruptcy (Case No. 02-25434) in the U.S. Bankruptcy Court of the Western District of Washington. On 1/17/03, this was converted to a Chapter 22 reorganization bankruptcy on 1/17/03. When I did a search to confirm this, I typed Wade Cook bankruptcy into Google and immediately got the pertinent Web page of the Western District of Washington U.S. Bankruptcy Court Web site.
There is a story about it at http://seattletimes.nwsource.com/html/businesstechnology/134686071_wadecook30.html.
Here is an article I wrote about Cook’s being indicted for tax fraud in 2005.
Russ Dalbey --- UnknownLoan brokerage. Not my area of expertise. Use my Real Estate B.S. Artist Detection Checklist to evaluate this guru.
Robert DahlstromHe co-wrote a book on flipping that I reviewed here.
William DankoClick here to read my review of the book he co-authored, The Millionaire Next Door.
Jay P. DeCima (Redding, CA) --- I recommendReasonably-priced book ($24.95) Generally reasonably-worded brochure—although it is noteworthy that he tells you to whom the check should be payable, but gives no mailing address, thereby preventing you from paying by check. That’s the kind of mistake that disqualifies you from getting your financial-genius secret decoder ring.
Excellent book on the fixer strategy. I do not like the parts of the book that discuss partnerships and financing. I do not know if his more expensive products are worth their prices.
I could do without Jay's cornpone, Beverly Hillbillies costume and occasionally folksy language. De Cima is apparently from the Joe Land-Jimmy Napier School of Presenting Yourself as a Country Boy. It's a bit odd, but does not seem to prevent one from giving decent real estate advice. It's the guys who wear pinky rings and gold chains that you have to watch out for.
DeCima is a slob about checking his facts. For example, on page vii, he says, "nearly half the work force was unemployed during the Great Depression." It took me about 20 seconds to get the correct figure, 26% at the peak. The book contains a number of such Cliff Claven-style errors.
He also fails to attribute stuff he got from other people. For example, on page 93, he tells one of Joe Land's jokes without mentioning Joe and prefacing it with, "When I write about this subject, I'm always reminded of..."
When DeCima talks about non-fixer investment issues, his thinking is sometimes muddled, uninformed, or illogical. For example, his discussion at the top of page 9 and elsewhere in the book seems not to reflect an understanding of the time value of money. On page 116, he dismisses the use of computers in real estate out of hand. There is no doubt that computers can be misused. I recommend against all canned real-estate-investment-analysis programs. However, failure to use a computer to manage property or to analyze large amounts of useful, accurate data is idiotic.
He seems oblivious to an ethical issue on page 131. He says it's best to work with just one agent, in part, so you can get access to so-called "pocket listings." I was an agent for two years. "Pocket listings" do exist, but they are an unethical agent practice. A "pocket listing" is one which the agent keeps "in his pocket" and shows only to his best buyers. Since the agent has a fiduciary duty to get the highest price for the seller, he must publicize the fact that the house is for sale as widely as possible as fast as possible. If, instead, he only tells his favorite buyer, to avoid another agent splitting the commission, he is acting against the interest of his client, violating his fiduciary duty to the seller. You should not deal with unethical agents who keep listings "in their pockets" either as a buyer or as a seller.
Don't get me wrong. When DeCima talks about buying and fixing houses for profit, his book is excellent. But he says a number of things that I must dissociate from my general recommendation of the book lest readers think I agree with everything that's in it. Because I see a number of inaccuracies, exaggerations, and failures to attribute in the book, I worry that some of the unverifiable statements about DeCima's successes may be similarly inaccurate or exaggerated or the result of external factors rather than the result of DeCima's own efforts.
Click here to read my review of his book, Fixin' Ugly Houses for Money.
Dave Del Dotto (Hawaii and Modesto, CA) --- I do not recommendFormer sheetrocker from Modesto who did infomercials featuring himself sitting on the beach in Hawaii. I debated him on Larry King Live. Del Dotto strikes me as the dumbest of the famous gurus. In one of the books he sold with his home-study course, he said to take advantage of a Farmers Home Administration loan. If you're not a farmer, he said, get one to "front for you." Many of the other gurus give similar advice. But Del Dotto is the only one I know dumb enough not to understand that the standard, get-rich-quick-guru way to deal with the issue is not to mention the farmer requirement. For the record, getting a farmer to front for you in a loan program that's for farmers only is a felony. Del Dotto's Modesto headquarters was foreclosed in the '90s.
The Wisconsin State Bureau of Consumer Protection published a Guide for Wisconsin TV stations which lists several "Questionable infomercials," among them those of David Del Dotto.
In the 6/8/98 Newsweek, Jane Bryant Quinn said that Del Dotto had gone bankrupt. I still see him on TV, only now this one-time "real estate expert" is selling products unrelated to real estate.
The WA attorney general sued Dave Del Dotto and his Affordable Housing, Inc. The suit alleges Del Dotto made numerous misrepresentations about real estate investing, some of which violate a U.S. District Court order. It also accused him of acting as a broker without a license: he collects $500 deposits to be credited toward closing costs for a mortgage which he will help them get.The court papers said Del Dotto was a principal in a firm that filed bankruptcy and has been the subject of repeated enforcement actions by regulators, including the FTC and the Insurance Commissioner of Hawaii. They also allege that he tells seminar students inaccurate information, i.e., that they can pocket the proceeds of government-insured home-improvement loans, that they can get mortgages for 1% to 3% less than less informed consumers, that his customers typically make a profit in real estate using his system, that you can get free-and-clear title to a house by simply paying back taxes of as little as $500, that it's easy for people with bad credit to buy houses for nothing down, and that you can add $50,000 equity to a home by painting and adding carpet.In short, WA says Del Dotto "charges high fees for information which is virtually worthless, outdated, and unethical." WA authorities were seeking a restraining order to prevent Del Dotto from holding a seminar in the state. Court papers reveal previously unknown facts about Del Dotto: IRS placed a lien on his Hawaii house in 1993. In 1995, Hawaii sued him for nonpayment of $5,000,000 in loans. He filed for Chapter 7 personal bankruptcy, and his corporation filed for Chapter 11 bankruptcy in 1995. In 1996, he agreed to pay a $200,000 fine to the FTC.What's new here is that government authorities have finally become appropriately aggressive in pursuing guys like Del Dotto. Unfortunately, the gurus seem to be ignoring the authorities to an extent, witness Del Dotto's alleged ignoring of a previous federal court order. Another new development: many gurus have begun to structure their pitches so as to run afoul of securities and licensing laws.Many investors originally came into real estate as a result of pitches from gurus like Del Dotto. Too many investors still have vestiges of those original pitches in their real-estate-investment programs. See also David Martin's letter.
Dolf De Roos --- I do not recommendClick here for a review of De Roos’ book Real Estate Riches.
Claude Diamond (Chula Vista, CA and Winter Park, CO) --- I do not recommendLease-option guru. I talked to Diamond and he seemed pretty sharp at the time. But I cannot recommend him for two reasons: His lease-option program has a 50% failure-to-exercise rate and his price for his "mentoring" service is in the multi thousands of dollars. See What you need to know about lease options for a discussion of their problems. See my Why you should not buy expensive seminars or mentoring services for more on Diamond's fee and my opinion of it.
I have received many different responses to negative reviews on this page---threats, attempted bribes, extortion, and attempts to "kill me with kindness." Diamond, however, takes the prize for the most juvenile response. "Juvenile" is not a word usually associated with mentors.
On 6/29/00, Bill Mencarow told me he had just learned that Diamond bought the number one ranking for the key words “Paper Source” at goto.com. Apparently this means that anyone who searches for “Paper Source” in goto.com’s search engine will get a list with Diamond at the top. Mencarow takes umbrage at this because he has been publishing the newsletter PaperSource and putting on the Paper Source convention for many years. A common law called “unfair competition” may be pertinent. “Unfair competition” is defined in Black’s Law Dictionary in part as “…endeavoring to substitute one’s own…products in the markets for those of another, having an established reputation and extensive sale, by means of imitating…the name, title,…the imitation being carried far enough to mislead the general public or deceive an unwary purchaser, and yet not amounting to an absolute counterfeit or to the infringement of a trademark or trade name. Singer Mfg. Co. v. June Mfg. Co., 163 US 169”
John,I saw your web page. I am an attorney involved in litigation against Claude Diamond. My client was a young business entrepreneur who engaged the “mentoring” services of Mr. Diamond. He is being sued by Mr. Diamond. I am investigating Mr. Diamond, his background, credentials, and qualifications. I would be interested in speaking with individuals with similar consumer related complaints against Mr. Diamond. If you have any information, it would be greatly appreciated. Your web site is very informative. Thank you.Name removed at the attorney’s request after being initially posted here at that same attorney’s request
Elmer Diaz (Houston) --- UnknownA reader says Diaz claims to have been the past president of the National Real Estate Investment Association. I had never heard of that organization. An Internet search reveals an organization by that name, but it appears to be for institutional real estate investors only. Institutional real estate investors are pension funds, REITs, etc. The reader also says Diaz is a “follower of Robert Allen, Robert Kiyosaki, and Robert Shemin.” Since I do not recommend Allen or Kiyosaki, it is unlikely I would recommend Diaz. The reader also characterizes Diaz as “a strong proponent of asset protection.” I generally think strong proponents of asset protection are paranoid and a little kooky. Another reader says Diaz has said nice things about Sheets but “does not endorse any guru.” I am not sure what the word endorse means in that phrase. If Diaz disagrees with the teachings of Allen, Kiyosaki, or Shemin, he ought to tell me so if this is incorrect. None of these guys are in my Rolodex.
Gary DiGrazia (San Lorenzo, CA) --- I recommendMy one-time adult baseball teammate. His Diamond Farming (510-278-2017, FAX 510-317-9644) is a solid book on probate investing in California. As with Coats' book, in the land of the blind, the California book is king. If you live outside California and want to invest in probates, DiGrazia's book is probably the best thing you'll ever find. You'll have to modify it to reflect differences between your local law and California's laws. I wrote about him in How to Buy Real Estate for at Least 20% Below Market Value.
Joe Dominquez --- I recommendJim Kerr wrote: Mr. Reed -You mentioned that you were unaware of Joe Dominguez and his book "Your Money or Your Life". Joe is now deceased, but in the early 90’s he wrote (with Vicki Robin) the book "Your Money or Your Life". It is NOT a get rich quick book. Basically, he feels most Americans spend way too much money. The book promotes the idea that financial independence and early retirement can be achieved through frugality. I enjoyed the book and agree with most of what he says. Probably the only thing I disagreed with was his recommendation to buy 30 year US treasury bonds to provide you with a steady stream of income. I believe he downplays the danger of inflation. His book is readily available in bookstores. I highly recommend it.By the way, I really like your site and what you are doing! Jim Kerr
John T. Reed responds: Thanks for your kind comments about this site. Dominguez sounds like my kind of guy. I agree with your comment about 30-year bonds.
Gary EldredHere is a review I wrote of his book Value Investing.
Gayle B. Ellison --- I do not recommendUse my Real Estate B.S. Artist Detection Checklist to evaluate this guru.
Michael R. Enelow (Duquesne Heights, PA) --- I do not recommendI got an email from a reader who told me there was a story in the Pittsburgh Post Gazette newspaper about a real estate investment guru who was in trouble with the law. The story is at http://www.post-gazette.com/neigh_city/20020808cburbs9.asp. According to the article, 61-year old Michael Enelow was indicted on 29 counts of wire and mail fraud by a grand jury in connection with a real estate invesment scam. He reportedly ran ads in periodicals around the U.S. from 1995 through 2000 offering money to people who would refer real estate deals to him. The indictment said he lied about how much money he had and how many deals he did. He charged $1,500 to sign up and got over a thousand people to send him that much. (1,000 x $1,500 = $1,500,000) The FBI said Enelow lived off the $1,500 charges and that his real estate dealings were insignificant.
Cliff Enz (Morrisville, PA) --- I do not recommendOn 7/25/97, a reader alerted me that Cliff Enz's Web site had plagiarized mine. I visited his site and found that Enz had copied the guru portion of this Web site including my copyrighted “B.S. Detection Checklist” article and a reader-input-soliciting page I used to have here, and put it on his own web site with some changes. He presented my material without permission and without attribution to me and even said “The material is copyrighted,” implying that he owned the copyright. He claimed the material was “the product of personal observation, research and analysis...” You bet, mine and those of my readers.
The only business I have ever had with Enz is that he asked for a free copy of my annual update booklet. If anyone finds he has published that anywhere as his own, please let me know.
Words cannot express my contempt for Cliff Enz.
Richard Epley (Houston) —UnknownThe “Blue Jeans Millionaire.” One-time “real estate investment expert” now selling multi-level health stuff through Rexall. A reader comments that’s “peculiar since at one time he espoused staying away from multi-level and other business opportunities since they were a needless distraction from real estate--where the ‘real’ money was to be made.”
David Finkel --- UnknownUse the business name Mentor Financial Group, LLC. The purpose of an LLC (limited liability company) is to make it harder for you to sue the owners of the company in question successfully. Use my Real Estate B.S. Artist Detection Checklist to evaluate this guru. Advocates use of lease options. See my article on that subject. His Web site says Mentor Financial is “Registered by the Colorado Secretary of State’s office as a company in good standing…” That seems to imply some sort of approval or endorsement by the state. In fact, all corporations and LLCs are required to register with the secretary of state’s office. That’s about as meaningful as my saying I am “Registered by the California Department of Motor Vehicles as a vehicle owner in good standing.” The products on their Web site sound like the same old mix of nothing down, lease option, etc. that so many other gurus are pushing.
Foreclosurebargains.com --- I do not recommendHere is an email I got from a reader about this company."A foreclosure listing service that advertises on television. They provide REO listings. I sent for a three month subscription in September 99 which consisted of three monthly issues for approx. $50 non-refundable. The two issues they sent were received late and the third was never received. Calls were not returned. The information in the issues was over two months old by the time I received the issues. The only charge authorized was this $50 charge back in September. Move forward to March 23 and I find that this company has charged $499 tomy credit card they had on file. I cannot reach them at their customer service number or order line. New VISA guidelines require the card issuer to send to the card holder a dispute form that must be filled out and signed before the dispute can be processed. Now I have to wait for the card issuer to contact the merchant for their side of the story." Chris Golianis
ForeclosureListings.com --- I do not recommendI received a complaint about this company from Ryan Ballard. He also sent me some emails he says they sent him. Please click here to read those emails. Warning: the emails from ForeclosureListings.com contain profanity. In one email, ForeclosureListings.com questions Mr. Ballard’s intelligence. He is a college graduate. For what it’s worth, he is also a professional baseball player (minor league).
Foreclosureworld --- I do not recommendI got a letter from a reader about it. Click here to read it. Use my Real Estate B.S. Artist Detection Checklist to evaluate this guru.
Fortune 21 (See also Success Magazine) --- I do not recommendClick here to read letters I have received about Fortune 21. Use my Real Estate B.S. Artist Detection Checklist to evaluate this guru.
Dan Franklin --- I do not recommendClick here to read an email I received about Dan Franklin. Use my Real Estate B.S. Artist Detection Checklist to evaluate this guru.
Richard Gardiner (last known address Rocklin, CA) --- I do not recommendBig advocate of lease options. Wrote a book called Real Estate Option Techniques.
Gardiner was always arguing with me, which I normally love. Taking a position and debating it is my favorite way to figure things out. But there are only two legitimate debate tactics: finding errors or omissions in the other party’s facts or logic. There are a bunch of illegitmate debate tactics: changing the subject, strawmen, name calling (e.g., “you’re too negative”), and so forth. Gardiner would hit me with multiple illegitimate debate tactics in rapid fire. He subscribed to my newsletter as recently as March of 2000. When he came up for renewal, I tossed his renewal notices in the trash rather than mail them to him because I decided I did not want his business. I had never done that with any other subscriber.
He was always arrogant and bragging about what a big-time real estate guy he was. On 1/24/00, he filed bankruptcy in the U.S. Bankruptcy Court for the Eastern District of California in Sacramento. I did not learn that until a year later. On 1/24/01, I called his phone number to ask if what I had heard was correct. It was disconnected. As a result of his not appearing in court when ordered, an “order to apprehend” him was entered in the Federal Bankruptcy Court in Sacramento. The authorities there cannot find him and would like to know where he is. I am trying to find the full scope of what happened. One story I heard was that he was a property manager who sold his clients’ properties without their permission and kept the proceeds! One account of that says he could do this because he had broad power of attorney from them. Another said he got his clients to give him “unrecorded deeds” to their properties saying he needed such deeds in order to manage their property.
A person who said he “represented” her in setting up a bunch of lease options was in a panic because five were coming due and the index Gardiner had her tie the option prices to had not gone up enough. As a result, each property was worth about $60,000 more than its option price. She was looking for an “aggressive” attorney to “defend” her against the buyers who wanted to exercise.
Marc Stephen GarrisonPepe1989@aol.com wrote: have you ever heard of Marc stephen garrison ? he takes people on real estate buying tours out of the area where they live because he finds better markets. does this make sense to you?
Garrison was an associate of Robert G. Allen. He and Allen had a falling out. Allen apparently gave Garrison his newsletter to satisfy or partially satisfy a debt Allen owed Garrison. Garrison strongly urged me to write an article exposing Allen's financial difficulties. I said I needed proof and Garrison helped me get key interviews and told me where to look for key documents. I wrote the article in my 9/87 issue. Garrison also tried to get me to take over the newsletter. “I don’t want to put out a July issue,” he said. I believe that was in June of 1988. I made my standard offer for taking over newsletters (I have taken over three): You pay me the cost of printing and mailing my newsletters to your subscribers and I will pay you half of each renewal by your old subscribers for the first year and 25% of each renewal the second year. He wanted a better deal. I believe he sold it to Mark Haroldsen.Brief (six months) windows of opportunity have opened in various areas like Anchorage and Oklahoma City in the last twenty years. I don't think anyone could make a living taking people to such opportunities because they only occur once every five or ten years. Plus most people would be chicken to invest in such dramatically depressed areas.A more common pattern is investors from high-priced areas erroneously concluding that real estate is a bargain in lower-priced areas because they are cheaper than in the investor's home area. The classic group that made that mistake was the Japanese coming to the U.S. I have also heard of New Yorkers (high priced) being taken to Camden, NJ (ghetto and also my birthplace) by Sonny Bloch and various people have capitalized on the propensity of Californians (high priced) to conclude that prices in places like Arizona (lower prices) must be too low because they are so much lower than California.
I think it's possible for opportunities to exist in some areas of the U.S. other than the brief windows of opportunity I described above, but it would have to be a rather esoteric niche which the typical investor who uses someone else (Garrison) to find properties would be afraid to invest in.
His 1986 book Financially Free is one of many real estate investment books which I describe as "Real estate dictionaries that are not in alphabetical order." You do not need to buy a real estate dictionary. There are several on-line for free.
A reader tells me he found a Chapter 7 bankruptcy for a Marc S. Garrison in Gilbert Arizona in 1997. I do not know if it is the same person.
Jane Garvey (Glen Ellyn, IL) --- I recommendSolid, down-to-earth experienced author publisher of Creative Investor newsletter and several how-to books. President of the Creative Investors Association Chicago, a former Bob Allen Club. Widow and former partner of the late beloved guru Marc Goodfriend. Former college professor.
Bill J. Gatten --- I do not recommendGatten has complained about this portion of my Web page. He told me on 5/9/03 that it had cost him “exactly $51,456.57 in sales.” He did not explain how it would be possible to know such a thing.
Click here for my analysis of a free seminar he gave on his PACTRUST.
Genesis mediaHere is an email I got from a reader.
I mention Genesis Media in this e-mail message. Not sure if they are mentioned at your site but they have provided Telemarketing services for Ted Thomas, Fortune 21 Inc., and possibly Michael T. Warren. There is a post at papersourceonline that mentions Michael T. Warren and the person was given the number for Genesis Media as a contact number. Ted Thomas and Fortune 21 Inc. are mentioned in SEC forms filed by Genesis Media. If you ever want to know more about Genesis Media check the posts at ragingbull (www.ragingbull.com; message board - GENI). The posts by Charles_Ponzi are simply amazing. Genesis Media is a subsidiary of GENI (whatever that symbol stands for). This is an activity you would undertake if you had a lot of free time on your hand and like good spy novels. It reads like a great fi! ction spy novel except it ain't ficition. …ex-Saud arms dealer Khashoggi, who controls GENI.
Charles Givens (deceased) --- I do not recommendIf you look up "glib" in the dictionary, you'll find a picture of Givens next to the definition. Givens was the Cliff Claven of finance. His International Administrative Services, Inc., which did business under 16 names including some involved in real estate, went bankrupt in Orlando in the summer of 1996. In 1993, he lost a lawsuit stemming from the uninsured death of a man killed in a car accident by an uninsured driver after Givens advised the deceased to drop his uninsured motorist coverage. That same year, he settled a fraud and deceptive trade practices suit filed by the Florida attorney general by agreeing to pay $177,000 in refunds to 135 disgruntled customers and to reimburse the state for its investigation costs.
In 1995, the Florida Attorney General got Givens to agree to pay $377,000 to cover refunds and the cost of the Florida investigation. Givens also agreed to stop making certain claims about the value of his teachings and to make full refunds to anyone who requests them within three days of receiving his materials. Two juries found him guilty of fraud.
In 1996, a California jury said Givens had defrauded 29,000 customers in that state and ordered him to refund $14.1 million to them.
The Wisconsin State Bureau of Consumer Protection published a Guide for Wisconsin TV stations which lists several "Questionable infomercials," among them those of Charles J. Givens. Givens died of prostate cancer in July of 1998.
Global Resource Network --- I do not recommendA reader tells me they charge $5,000 to teach note brokering. That's too much. The reader also said they tried to pressure him into borrowing money to pay the $5,000. I find it hard to believe that anyone would stoop so low, or that there are idiots out there who respond to such pressure.
Steve Goff --- unknownUse my Real Estate B.S. Artist Detection Checklist to evaluate this guru.
Steven GoodClick here to read my review of his book Churches, Jails, and Gold Mines
Allen Gorin --- unknownClick here to read my review of his book, How to Nail Down Your Home Improvement Project Without Getting Screwed.
Benjamin Graham --- unknownClick here to read my review of his book, The Intelligent Investor.
Bill “Tycoon” Greene (fugitive) --- I do not recommendThe biggest character among the real estate gurus. Doonesbury's Uncle Duke come to life. He made a big splash in the late '70s with his book, Two Years for Freedom and multiple appearances on the Dinah Shore Show. He was convicted of federal income tax evasion and sent to prison. He escaped. One version I heard was that he escaped while on emergency leave visiting a sick relative. The other was he disappeared from a half-way house. In any event, he is apparently living in England using the name Dr. William G. Hill. Numerous books are for sale there by that author. They are virtually identical to Greene's books. When John Beck came across the books in England, he asked the publisher how he could get in touch with “Dr. Hill.” He was told they could not even get in touch with him, that Dr. Hill calls them.
I thought Greene had some good ideas but I could never recommend his stuff because it contained too many bad ideas, like backing out of a deal based on a clean termite report. He explained, “You could say you wanted a building with termites.” No, you can't. The courts will not allow such nonsense. See also David Martin letter.
Kevin D. Haag of Douglas Realty, Inc. (4821 Coronado Pkwy, Cape Coral, FL 33904) --- UnknownUse my Real Estate B.S. Artist Detection Checklist to evaluate this guru. This is Russ Whitney’s Realtor®. His office is across the street from Whitney’s building.
Mark Haroldsen (Salt Lake City, UT) --- I do not recommendAuthor of How to Awaken the Financial Genius Within You. Publisher of the now quarterly Financial Freedom Report. His main claim to fame is that he invented the densely-worded, full-page, magazine, direct-mail ad to sell his book. The novelty of that trick apparently has long since worn out. I haven't seen it in years.
Financial Freedom Report was accused of 83 counts of deceptive sales practices by the Utah Division of Consumer Protection according to a 5/19/97 KSL-TV story in Salt Lake City. Utah had received over 900 complaints about Financial Freedom Report nationwide since 1993 but only took action based on the 83 complaints from Utah residents. KSL-TV said the Commonwealth of Virginia had also taken action against Financial Freedom Report.
The Wisconsin State Bureau of Consumer Protection published a Guide for Wisconsin TV stations which lists several "Questionable infomercials," among them those of Financial Freedom Report.
Haroldsen's people once called me to ask permission to reprint one of my book chapters as an article in their magazine. I said, "OK, for $375." They said they only paid $125. I said no deal. They went ahead and printed it anyway and sent me a check for $125. I sent them an invoice for $250 and a strongly-worded note. They ignored me. I then told everyone I met who had the slightest interest in Haroldsen about that incident. Many months later, Haroldsen was coming to Monterey, California to give a seminar. I plotted how I could obtain a judgment against him and have the sheriff execute the judgment by till-tapping, that is, seizing his receipts, at the seminar. About that time, he sent me a check for $250. If you'd like to be treated the way he treated me, deal with Mark Haroldsen.
On another subsequent occasion, Haroldsen's people asked me to speak at his annual convention. I refused.
Here’s an email I got about Haroldsen.
“In 1976 I was one of the one's that purchased Mark Haroldsen's How to Awaken the Financial Genius Within You through the mail. I was 12 years old, and not to be funny, but it was written right on my level. He had a very simple easy way of explaining the power of compounding, but even at that age I could see a flaw in his math. He stated that he was worth millions and planned to double his net worth every year for the rest of his life. Let's see... If was worth two million in 1976 then he should be worth over 67 TRILLION DOLLARS in 2001.”
Haroldsen apparently won an FTC complaint case against him. I do not fully understand the FTC’s Website. Look at it for yourself at http://www.ftc.gov/ogc/status/injunct2.htm. I had not been aware that the FTC had filed a case against him until a Haroldsen supporter told me about it.
Greg Hickman --- I do not recommendPlagiarized Bill Mencarow until persuaded to stop by Mencarow's attorney.
Tyler G. Hicks --- I do not recommendA reader was kind enough to give me Hicks’ 1989 book How to Make $1,000,000 in Real Estate in Three Years Starting With No Cash. First, the title is ridiculous. The third page of the book lists Hicks’ other book titles. Almost all of them trigger item #20 of my BS artist detection checklist. If I were forced to write a book by the title Hicks chose for this book, it would be very narrowly focused. I figured that’s what Hicks would do. I mean how many ways can there be to make $1,000,000 in three years starting with no cash? The way Hicks tells it, it almost doesn’t matter which approach you use: conventional financing, credit-card loans, raw land, residential property, commercial and industrial property, islands, fixers, motels, limited partnerships, condos, stock market, theaters. This is absurd.
Not wanting to waste much more of my time on Hicks, I just checked out the raw land chapter. It defines raw land, lists obvious advantages and disadvantages (e.g., cheap, pays no income), says its valuable because it’s a limited commodity, says to buy in the suburbs of a major city in the direction of growth, etc. This is conventional wisdom. It’s not worth a nickel, let alone the price of the book.
On page 100, he tells of a guy who made his quick million by electing himself mayor of a ghost mining town then issuing municipal bonds, part of the proceeds of which were used to pay himself a “good salary.” Hicks says the guy “restored the city as a tourist attraction.” That is, at least, a mildly interesting idea which is not conventional wisdom. But I do not believe it. This is what I call “seminar real estate”—stuff that delights ignorant seminar audiences, but which has no relationship to the real world.
Since majority rules in elections, I suspect there is a rule that you must have at least three voters to hold an election and that there is some government agency which oversees elections to make sure they are honest. To vote in a town election, you have to live in the town. Ghost mining towns may be uninhabited, but they are not unowned and they have posted "No trespassing" signs. In order to live in the town, you must buy or rent from the owners, neither of which is likely when you have no cash. I am a Harvard MBA. Many of my fellow Harvard MBAs are in the municipal-finance business. The notion that they would underwrite and successfully sell out a multi-million-dollar bond issue on a ghost town and deliver the proceeds to the sole inhabitant and “mayor” who owns no property there is silly. All bonds and prospective bonds must be rated according to their risk. The rating agencies, like Moodys and Standard & Poors, would visit the town and ask to see its financial books. It wouldn’t even get that far. The prospective underwriters would ask about the town’s population, annual tax revenues, operating expenses---then they would hang up. If Hicks calls, you should do the same.
Tony Hoffman --- I do not recommendFormer Lowry employee. Nothing-down seminar guru and author of the book, How to Negotiate Successfully in Real Estate. I detest him and his book. It gives unethical advice, like threatening to renege at the eleventh hour in a deal in order to get better terms. I debated him, or tried to, on a Financial News Network TV show in the '80s. I say "tried" to because it was a call-in show and the callers attacked Hoffman so viciously that any additional comments I made would have seemed like piling on. So I just sat back and listened.
Hoffman's company declared bankruptcy. Although he expressed a plan to become governor of California, he was more recently seen selling drape-cleaning devices in TV infomercials and he was the producer of the video O.J. Simpson did to prove his "innocence."
Larry Holder, Wealth Builders --- I do not recommendThe name of this company triggers item #20 on my BS artist detection checklist. Here’s an email I got about him:
John, I just went to a Larry Holder seminar. He had the gaudy rings, showed us pictures of his "million dollar cabin", referred to flying his plane in that day (his assistant inadvertently admitted they drove in), and asked for $6,000 for his seminar and mentoring. This could be conveniently paid for by credit card. Thought you might like to add this to your BS list!
interlinkwealth (Carlsbad, CA) --- I do not recommendUse my Real Estate B.S. Artist Detection Checklist to evaluate this guru.
IREM courses --- I recommendI took Institute of Real Estate Management courses in the mid-1970s. They were good, not great. IREM puts out a lot of lame books. Their courses are better, probably because the committee that destroys their books can’t edit the instructors during their presentations.
Robert Irwin (Rancho Palos Verdes, CA)By far the most prolific real-estate-investment author, but that title seems to be his goal rather than communicating new information that the world needs. Books range from ho-hum to OK. I wish he would knock off the quantity and switch to quality. His books won’t hurt. Neither will they help much if you already read the good books available. He has little or nothing new to add. I am annoyed that he did not acknowledge the contribution of any ather person in the books of his that I have. I do not recall him ever mentioning any other human being in his books except for Napoleon Hill, a long dead motivational writer. He is also extremely coy about the titles of his other books and where he is for some unknown reason.
Click here to read my review of his book, Improve the Value of Your Home Up to $100,000.
Click here to read my review of his book, Find It, Buy It, Fix It.
Victoria A. JacksonClick here to read my review of the book she co-authored with Sidney A. Pashkow, Focusing on Foreclosures.
Vena Jones-CoxLease-option guru. I am not familiar with her material, but I have yet to find a lease-option guru whose approach is satisfactory to me. See my article on lease options and my Special Report on the subject.
Joe Kaiser (Tacoma, WA) --- I do not recommendAuthor of the Ultimate Lease Option Strategy. Kaiser's main point is to contact owners of vacant homes and rental house owners who have filed eviction lawsuits. That's a good idea. But he says his strategy is "one size fits all." There is no such strategy. He says lease-option investors can avoid triggering the due-on-sale clause in the property's mortgage if they do it "correctly." That is not true and, indeed, Kaiser never tells you how to do it "correctly." In a couple of aspects of his approach, Kaiser misleads the seller. He barely mentions all the legal complications of lease options, complications which are comprehensively explained in my special report Single-Family Lease Options. I also do not like the fact that his book has so much blank white space that I figure 82 of its 232 pages would be blank if he used normal margins and typesetting. Kaiser is also one of the many gurus who offers an expensive mentoring service. See my discussion of expensive seminars and mentoring services.
I did an article on Kaiser's lease-option book at his behest in the 11/97 issue of my newsletter, Real Estate Investor's Monthly. I did not like his book and he did not like my review. Kaiser then published a critique of my article which I did not believe described what I said accurately. Accordingly, I am putting the whole article here.
A.D. Kessler --- I do not recommendSome of his Creative Real Estate Magazine's article authors are good, others are by guys I do not recommend. Gurus I recommend rarely write for Kessler.
Kessler was somewhat broker or guru oriented last time I saw any of his stuff. In other words, he was more about helping brokers get commissions or gurus sell their stuff than he was into helping investors make money in their investments. An experienced investor once told me much of Kessler’s material depicted an agent’s fantasy world—“real estate the way brokers wish it was” was the phrase he used. For example, one of Kessler’s authors was famous for bragging that he insisted that every single client come to his office. He never went to a client’s office. When a bedridden heiress begged him to come to her home, he told her to call an ambulance to take her to his office, and bragged about it at his seminars. Very creative.
Kessler’s company name triggers item # 20 on my B.S. checklest.
A number of years ago, his assistant called me to say they really liked my newsletter, Real Estate Investor’s Monthly, and wanted to sell it to their customers if I let Kessler pay a wholesale price for it and keep the difference. She predicted many sales. I agreed to this wholesale arrangement.
Months later, they sent me one subscription sale. After that, I forgot about them. About six months later, when I had a new employee doing orders, another Kessler order arrived. I had not trained the new employee regarding Kessler orders. She sent the subscriber an invoice for the difference between the wholesale check Kessler sent and the regular subscription price. A few days later, Kessler’s assistant called and gave me a tounge-lashing for embarrassing A.D. to the subscriber. I never figured out why he should be embarrassed about my not teaching my employee about the deal he arranged on subscriptions.
I recommend some stuff by people whom I do not like or who do not like me, because it would hurt my credibility and deprive my readers of good stuff if I did not do so. I do not believe Kessler has a similar policy. It appears that he regards everyone in the real estate infromation business as either in business with him, or against him and the quality of your material is secondary to that. To put it another way, if Kessler believed that my newsletter was good as his assistant told me, they should have beeen recommending it all along, including after our two-subscriber relationship. To only recommend writers who are currently in business with you strikes me as disingenuous. There are a number of people in the guru business who won’t recommend you unless they make money every time they do so, and will recommend you if they can make make a buck out of it, even if they are not that impressed with your material.
Ernie Kessler (passed away 4/30/03) --- I do not recommendKessler seemed like a great guy when I met him at a convention and when I interviewed him for an article. But he once asked me to speak at a conference in Niagara Falls. I agreed and asked for a letter confirming the terms. He said he would send it. It never arrived. When the date drew near, I called to remind him I needed the letter and to make travel arrangements. He did not return my phone calls. I finally got an assistant and told her if I didn't hear in the next day or two, the agreement was off. She called back to say the conference had been canceled. I have no objection to his canceling a conference. But not sending the confirmation letter and not returning my phone calls indicate a lack of responsibility and common courtesy.
On 3/14/99, about five years after the incident in question, Kessler called to apologize. He said he thought he sent me a letter telling me the conference had been called off. He said he is not computer literate and only found out about this Web page on 3/14/99 when a customer called and told him about it.
In May of 1999, a member of a real estate club told me Kessler had treated them the same way he treated me.
On 8/14/99, Frank Verchereau told me Kessler reneged on a deal involving purchase of a six-story apartment house in Schenectady, NY after committing in writing to do the deal. Verchereau had enormous difficulty getting Kessler to return phone calls as the closing date approached.
Robert Kiyosaki (Rich Dad Poor Dad) --- I do not recommendI was told I would like this guy. His book was #1 on the Business Week best seller list. Eager to find another guy to recommend, I bought his book Rich Dad, Poor Dad in a bookstore and read it.
This is one of the all-time worst financial books ever written! I was so disturbed by it that I wrote an extensive review of it.
Nick KoonDeceased. Some of his stuff is still around. I do not recall being impressed by it one way or the other.
Joe Land --- I do not recommendJoe was a nothing-down guru in the mid-'80s. I "debated" him on a 60 Minutes segment titled "Nothing Down" on March 16, 1986. Morely Safer was the correspondent.
Land said you only needed one technique. His was buying, at a discount, a mortgage someone had taken back on the sale of a house. Then you got a new institutional mortgage for 80% of value and used the mortgage you bought at a discount as down payment. The face value of the mortgage you bought at a discount was bigger than 20% of the value of the property you were buying, so you actually pocketed several thousand dollars proceeds of the new first mortgage at closing.
Morley Safer explained it well. He said the crux of Land's technique was persuading the owner of the mortgage that it was not worth what it said, then turning around and immediately persuading the owner of the house you were buying that the mortgage was worth what it said. There is no doubt some sellers are that dumb, especially those who are trying to sell overpriced property. But there are no institutional lenders who will knowingly do that deal.
I debated Land subsequently on a conference call that included Joe, me, and Time magazine reporter Jon Hull. Land insisted that he had done this deal many times and that many lenders would do it. I asked for the address of a property where Land had done such a deal. He refused to give one, citing confidentiality. Time promised anonymity to the lender. Land still refused. I urged Morley Safer to ask the same question of Land. He did and Land refused to provide him with an address, also.
Land stopped doing real estate seminars not long after the 60 Minutes piece ran. He later did TV infomercials in which he sold audio tapes purportedly containing subliminal self-improvement messages. All you could hear was sea gulls and ocean waves. I am told that at one of his real estate seminars, Land once told an associate, "These people would buy blank tapes if I told them to." Later when he was selling the seagulls-and-wave tapes, he said, "They aren't blank, but they're pretty close."
I always thought that blank-tapes story epitomized the real estate B.S. artist segment of the guru business.
Loral Langemeier --- I do not recommendClick here to read my review of her book, The Millionaire Maker.
Learning Annex --- I do not recommendIn the 1970s, I took some real estate courses from the Learning Annex and they were good. But my 3/22/06 San Francisco Chronicle had a full-page ad about their “Real Estate Wealth Expo” that weekend in San Francisco. It headlines Donald Trump, whose book Art of the Deal I recommmend. And it has a number of gurus whom I do not know. But it also had at least seven that I do not recommmend.
This is the latest example of previously-respected organizations jumping on the bogus real estate investment information gravy train. Yahoo! offers Rich Dad Poor Dad author Robert Kiyosaki as a daily columnist. Time-Life sponsored Kiyosaki for a while. And PBS has had Kiyosaki on TV. According to the San Francisco Chronicle, the Learning Annex’s annual gross income jumped from $5 million a year to $100 million a year when they started promising to tell people how to get rich quick in real estate. That same article said the Learning Annex news release about the Real Estate Wealth Expo called real estate the “drug of choice” in San Francisco.
Time was not that long ago when someone at such organizations would check out a speaker or columnist before hiring them and say, “We can’t associate with this guy.” Apparently, a great many organizations have fired the guy who used to do that and replaced him with a guy who just checks the sales volume of the prospective speaker or columnist.
Al Capone would have his own entrepreneurship show on PBS now if he came back.
After the San Francisco Real Estate Wealth Expo I received some emails from persons who said they attended. The general tone was that Trump, Orman, and Robbins gave good speeches, but that the other speakers were all high-pressure salesmen pushing expensive stuff. That sounds like those three and perhaps Kiyosaki were paid to speak, but that the other “speakers” were actually exhibitors who paid the Learning Annex ($5,000 each according to the 3/28/06 Contra Costa Times) for the right to pitch their products and services to those who came to hear Trump and his fellow celebrities. Two or three attendees told me they were planning to exercise their federally-mandated three-day right of recission to get their money back.
I am also told that Learning Annex staff manned the order booths for each guru selling stuff. Just based on general business practices, I suspect that was because they were taking a cut of each sale and did not trust the gurus in question to give an accurate accounting of their sales. Not trusting the speakers that you foisted off on the public would make for an interesting line of questions at a class-action trial of such a sponsor. I also suggest that you follow the Learning Annex’s example and that you not trust the speakers either.
So it would appear that Learning Annex charged you to hear a bunch of sales pitches, charged the salesmen for the right to pitch you, and charged you and them again in the form of a cut when you bought. Normal practice would be that when you pay for information, you get pure information, not commercials. When you get information free, as on TV or radio, you expect to have to put up with commercials. Some products, like Time magazine, charge for subscriptions and sell advertising. As a consequence, the subscription prices are cheaper than they would have to be if they had no ads.
Learning Annex seems to have charged attendees primarily to listen to commmercials and only provided four paid speakers who were not hawking products in their speeches. I doubt that so many would have signed up had they known that was what they were getting. Many of those quoted in the Contra Costa Times story said they were unhappy with the amount of selling they were subjected to. They thought it was going to be all information.
Oddly, I got a call late Friday night, 3/24/06, at my home. Some woman with a very thick foreign acccent babbled at me. When I made her repeat it slowly, I learned that she was offering me free VIP tickets to the San Francisco Learning Annex Real Estate Wealth Expo. “I have no interest in that,” I told her. What do you suppose that was about?
I received an eamil inviting me to exhibit at some real estate expo a year or two ago. It named the other exhibitors who had signed up. I sent back an email declining to particiate in their “fraudfest.”
I have also heard that an honest speaker/exhibitor was at one real estate expo type gathering and was open about his disagreement with many of the other products and services being sold there. I further heard that the dishonest exhibitors there complained bitterly about this and theratened the sponsor with a boycott. And finally I heard that ever since, that sponsor runs all potential exhibitors/speakers by some sleazy Utah organization (See item #42 of my Real Estate B.S. Artist Detection Checklist for more on Utah-based real estate investment information organizations) to make sure they are all sufficiently scummy and that the exhibit floors and speaker rooms are not darkened by any more honest exhibitors or speakers.
Enjoy.
Ron LeGrand --- I do not recommend$9,000 seminars. Gets people to attend live infomercials. I would love to charge $9,000 for a seminar, but I can't quote such a price and keep a straight face.
I listened to one of his tapes. It was the same old stuff all the other gurus preach. As is typical of other gurus, LeGrand left out much of the disadvantages of the various techniques. He also struck me as overbearing—which is irrelevant unless you are susceptible to being overly influenced by such people. When I get some time I will list some specifics here.
One of my readers told me “our distributor (Access) went bankrupt taking our money with them. It turned out that they were purchased by a company that also owned Ron Legrand’s BS factory six months before we took them on as a distributor.”
Another reader tells me LeGrand says he was once a carnival skeeball concession operator. Why am I not surprised? In general the gurus I do not recommend are salesmen, not real estate guys. Both carnival barkers and the majority of real-estate gurus are salesmen. Real estate investment requires far more than just sales skills. Telling people that you are a real-estate-investment expert, on the other hand, only requires sales skills.
David Lindahl (Rockland, MA) --- I do not recommendOn 2/25/06, he sent me a large post card pushing his free Teleseminar. It said on the front,
“Hear how one man owns over 810 apartment units, and hasn’t spoken to a tenant in over 4 years! Find out how you can cash in, too!” [Emphasis aded]
A tenant is a type of customer. Any businessman who avoids all contact with his customers is incompetent at best. Furthermore, the landlord-tenant relationship is special. When you provide someone’s home, you have additional moral, ethical, and legal obligations above and beyond those of a businessman who only provides, say, toothpicks to a customer.
You have responsibilities for the tenant’s health and safety and that of their family members and visitors. By providing him or her with a home, you are probably getting more of the tenant’s monthly income than any other firm they do business with. You owe your tenants a comparable and appropriate level of attention.
What, pray tell, is the name and location of this man who owns 810 apartments? His tenants should be asked if Lindahl’s statement is accurate. For one thing, when you make a representation in an advertisement, you must have a reasonable basis for it under the Federal Trade Commission Act. Someone should verify that the statement is true by tracking down the 810-unit owner and getting him and his tenants to go on the record that it is accurate.
Then there is the issue of that 810-unit owner getting sued for negligence. I can almost guarantee that if the plaintiff’s attorney finds out what Lindahl said, the landlord in question will be forced to read that statement to the jury at his trial. And I can guarantee that he will be sued. Anyone who owns more than a dozen or so units is likely to be sued by one or more tenants. 810 units? Forget about it. People who own that many units are probably being sued continuously by one tenant or another.
Lindahl’s return address is Massachusetts. That is one of the most anti-landlord states in the Union. A MA landlord who got caught making a statement—alng with the “cash in” comment like that might find an angry mob carrying torches and pitchforks in front of his stately abode. He would surely be quoted in the tenant newsletters
Then there is the issue of Lindahl himself. Is he a landlord? Most gurus claim to be. If so, does he also avoid contact with his tenants? Does he approve of not speaking to any of 810 tenants in over four years? The fact that he put it on the front of his post card strongly suggests that he does approve.
What if Lindahl himself gets sued for negligence by a tenant? I do not know how many units he owns if any. But if he owns any, it may not matter how many because he is depicting himself as a deep-pockets guy with his guru advertising. He is making himself an attractive litigation target. He, too, will be required to read that statement to the jury if he gets sued for negligence by a tenant. No doubt they will also make him read the other statement on the front of the post card—the one about making “a killing” from the tenants to whom certain landlords do not lower themselves to speak. How would the plaintiff’s attorney find out about it if Lindahl did not send them one of the post cards? They will Google Lindahl’s name and find this Web page. Then they will demand a copy of the post card during discovery.
Here’s a free property management tip from my book How to Manage Residential Property for Maximum Cash Flow and Resale Value. Find an excuse to call about one tenant per month per building. Use the list of questions in my book to ask the tenant about various aspects of the building and service you are providing. Put your name, address, and phone number on the exterior wall of your building’s office so tenants and prospective tenants can easily and quickly get in touch with you if they feel the need. When they call, use that same list of questions after you deal with their reason for calling.
That’s your name. Not the name of some employee or agent who has an incentive to keep you in the dark about problems you need to know about.
Here’s another free property management tip. If you don’t want to talk to tenants, stay the heck out of the landlord business. The responsible, competent landlords don’t want your kind giving them a bad name.
Here is an email I received from Lindahl and my response.
John,
I recently read your piece on me at your website.The reason I have not talked to my tenants in over 4 years (it's actually 6 now) is because I use good qualitity managment companies to do that.I am not a landlord, I leave that up to my managers. I'm an investor. As an investor, it's my job to grow my business and create more cash flows. I leave the managing to others.I agree with you that our tenants are our "gold". And I run my business and teach my students accordingly. I let them know that all phone call must be returned the same day. All maintenenance request should be completed with in 72 hours with emergencies done within 24 hours.I instruct my managers to provide a safe, clean and friendly place to live for my tenants. My managers show my tenants the respect they deserve.As you know, tenant turn over is our biggest expense, therefore we have numerous tenant retention programs to reduce that number to it lowest levels.For the first three and one half years of owning multi's, I was the manager. I took those phone calls on a daily basis and a lot of time, did the maintenance.Though I learned that the more time I spend on my properties, the less time I had to grow my business so I switched to using property managers. I instruct my students to find good property managers on the IREM.org website. I tell them to locate a CPM or ARM in their area.You are right about Massachusetts and it's tenant laws! They have kept me (and now my managers) on my toes.John, I have been familiar with your sight for years and have gone to it as a reference point on many occasions.I hope this e-mail clears up any misunderstanding.I would be happy to send a copy of my home study course for review. I beleive that you will find it a very practical guide on how to do the business of owning multi-family porperties. There's no fluff, just a step by step how to on how a lanscaper living in a one bedroom apartment was set financial free by owning apartment buildings.Let me know if you would like a copy and I'll send one out today.Dave LindahlPlease send it. Although I have others that I have not yet gotten to.
The property management industry you depict does not exist in my experience and observation. I recommend against ever hiring an independent %-of-the-gross property manager. They are almost universally dishonest (e.g., take kickbacks from subs, pocket rent on apartments that the owner believes are vacant) or negligent or most likely, both. It is also in their interest to have you charge less than market rents and to pay more than market salaries and independent contractor fees because it makes their jobs much easier. For example, below-market rents cause a waiting list to develop and it is far easier to call the next person on the waiting list than it is to market the apartments. This, obviously, costs the owner tens of thousands of dollars in lost rent and hundreds of thousands in last building value.Rather, I say you should do it in-house with salaried employees or yourself.
In any event, the use of a property-management firm does not preclude owner contact with tenants. Nor is it wise for an owner not to communicate with tenants just because he has a property-management firm. For one thing, he may find out about misbehavior or neglect by his property management firm.
I suspect that you have found that tenants and being a landlord turns off prospective buyers of your investment information and that you have come up with this ÷not communicating with tenants¿ shtick because it help sales of your investment information products, not because it is a good way to operate apartments either for you or for your students.
Tenant turnover is not your biggest expense. Property taxes are. My management book makes the argument that there is virtually no tenant turnover cost at all. If you are big enough, your ads run continuously. Any refurbishing that is done must be deferred maintenance or it would not be needed. Any damage done by the old tenants is covered by deductions from their security deposits.
John T. Reed
Al Lowry --- I do not recommendAuthor of the best-selling book How to Become Financially Independent by Investing in Real Estate. Excellent book. But his subsequent books were lousy. His seminar on the Nickerson method was great. But his other seminars were terrible. Formed many Al Lowry Investor Clubs around the U.S. Declared bankruptcy in 1987. Doing foreclosure seminars last I heard.
Thomas J. Lucier --- I do not recommendBig on regurgitating other people's ideas, including some of mine.
MAI courses --- I recommendI took Member of the Appraisal Institute courses in the mid-1970s. They were thought-provoking and interesting, but too ivory tower. I thought it was telling that CCIM courses were given at hotels while MAI course were given at college campuses. They now give some in hotels, but they are still pretty ivory tower. Take these only if you are trying to leave no stone unturned in your quest to become a real estate investment expert.
Michael Martin (Seattle, WA) --- I do not recommendSeattle-based property manager and nationally syndicated real estate guru. Disappeared leaving a note in which he referred to himself as a "total failure, thief, and embezzler." Returned and pled guilty to "fraud by radio." On 8/21/98, Martin was sentenced to 46 months in prison and ordered to pay $1.68 million restitution. He almost got a much stiffer punishment. After he agreed to a plea bargain setting the prison term at 31 to 46 months, he wrongly deposited an additional $750 in rent checks from an old client's apartment building into his personal account. Dishonest and dumb.
Tony Martinez and his company the National Association of Secured Investors --- I do not recommendOne of his customers told John Beck that he paid $3,995 for a lot in the Fox Hills Estates in Oconee County, South Carolina. He never got a deed and his last return-receipt letter was returned marked "unclaimed" and "not deliverable."
William McCorkle (Orlando, FL) --- I do not recommendHis Cash Flow, Inc. was raided and shut down by the FBI, IRS, and USPS on 5/9/97 according to the Orlando Sentinel. The paper said the company had been charged with racketeering and that it was being investigated by the Florida Attorney General for deceptive advertising and unfair business practices based on more than 50 complaints about inability to get refunds. The Wisconsin State Bureau of Consumer Protection published a Guide for Wisconsin TV stations which lists several "Questionable infomercials," among them those of William Mc Corkle, a/k/a Cash Flow, Inc. and Fortunes in Foreclosures. Tom Brokaw did a "Fleecing of America" piece on McCorkle on 9/8/98. NBC TV Dateline did another longer piece on 5/19/99. It revealed that McCorkle lied about his background, used actors and friends to make false testimonials in his infomercials, rejected all deals brought to him by at least one of his customers, and rented for only a few hours the executive jet and yacht which appeared in his infomercial with his name painted on them. See my guru testimonials page for details.
A federal grand jury in Orlando indicted McCorkle and his wife on 90 counts of fraud, telemarketing conspiracy, and money laundering on 6/21/98. The indictment accused him and his associates of defrauding people out of $28 million including refusing to give refunds, failing to provide money for deals found by customers, and misleading customers about his true net worth. McCorkle's lawyer, F. Lee Bailey, argued that the refund pledge was mere "puffing" that was never intended to be taken at face value.
McCorkle and his wife Chantal were convicted of fraud and money laundering and are in jail awaiting sentencing. They got 24 years. They already forfeited their home, four cars, and $7 million in cash seized in a raid in May of 1997. The FL attorney general's office says they have several similar investigations in progress at their Orlando office.
My $23.95 book How to Buy Real Estate for at Least 20% Below Market Value has a chapter on buying pre-foreclosures (before the auction) and a chapter on buying foreclosures (at the auction). You should also read books by John Beck and Val Cabot.
Florida Real Estate Commission Report dated Volume 3 Number 1 FY 2000-2001, page10. Disciplinary ActionsOrlando: Willaim J. McCorkle; Broker revoked effective 12/30/1999; found guilty of a crime which directly relates to the activities of a licensed real estate broker or involving moral turpitude or fraudulent or dishonest dealing; guilty of being confined in a state or federal prison. Also wife named Chantal (sales person) had the same revocation and reasons.
Bill Mencarow (Kerrville, TX) --- I recommendPublisher of Paper Source newsletter and producer of an annual conference on note brokering. It's not my area of expertise, but Bill seems to be a squared-away guy. I have never heard a bad thing about him. I recommend him to anyone interested in note brokering.
Kevin Meyers --- I recommend his book onlyMyers wrote Buy It, Fix It, Sell It, Profit, a book which has a title awfully similar to Robert Irwin's Find It, Buy It, Fix It. The book was cheap and OK for the most part. The best book on renovation is William Nickerson's How I Turned $1,000 into $5,000,000 in Real Estate in My Spare Time. It's out of print so you need to find it through an interlibrary search. I also suggest the cosmetic renovation chapter in my $39.95 book How to Increase the Value of Real Estate. It's always wise to buy the cheap information on the subject before you buy expensive courses or seminars.
Myers has a few original ideas, but for the most part his book states age-old, often-written-about truisms. He also says some things which I think are nuts. He's big on pretty packaging of deals to attract investors. He tells you to seek out a type of real estate agent which I do not believe exists. I was a real estate agent for two years. Like many beginners, he is enamored of nothing-down deals. He likes partnerships. I say stay away from them. He also sells some more expensive stuff. I got the following from a reader: "Although his book is great, his course guide needs improvement. The cassettes are poorly recorded and seem to be edited severely. Buy the book. But save your money on the course."
Jack Miller --- unknownDon’t know much about him. But from what little I have heard about him, it would not surprise me to learn that he put his childhood “Good Fairy” money in a family limited partnership with a corporate general partner who was a trustee of his pension fund which was invested in a Cayman Islands trust. He often did joint seminars with John Schaub.
I got an e-mail from a reader saying, “Your comments about Jack Miller are right on the mark.” See also David Martin letter.
Mike and Irene Milin --- I do not recommendI attended one of their free lectures. They had me going about government auctions until I asked John Beck about them. He said, "Did they tell you that you cannot get the cars you buy so cheap off the docks until you modify them at great expense to meet U.S. and California standards?" And he pointed out a bunch of other details which the Milins had omitted from their presentation and which wiped out the attractiveness of what the Milins were pushing.
Joel S. MoskowitzClick here to read my review of his book, The 16% Solution.
My own mother --- I recommendOne reader of this page who was extremely unhappy with my opinion on one or more of his favorite gurus demanded to know how I rated “my own mother.” When I thought about it it, I realized I had discussed getting real-estate advice from her in Chapter 5 of my Special Report How To Get Started In Real Estate Investment. You cannot get advice from my mom, however. She was a cigarette smoker and died of lung cancer in 1993. If you smoke, quit. If you don’t smoke, don’t start.
My critics would have liked her. I used to send my mom a copy of my Real Estate Investor’s Monthly newsletter each month. Once, when I called her just after she read it, she said, “What’re you—the Don Rickles of real estate?”
Jimmy Napier (Chipley, FL)Napier seems to be a note and mobilehome guru. I’m uncertain because I have not paid close attention to his career. My only conversation with him was not very satisfying. See John Schaub below. Napier is very popular with his seminar graduates. Although I got an email from a guy who disputes that. Another reader wrote to agree with the first. Napier sends me his newsletter, but find it hard to read because of its rambling style, lack of subheads, and one-column format.
He is fascinated by the magic of compound interest. I was too the first time I heard about it—in fifth grade (Where I heard the puzzle, “If you start with a dollar and double it every day, how many days does it take to reach a million: 21.”) His information is apparently OK as far as it goes, but much of it seems to focus on stuff that I would not write about because it’s too basic.
Devotes much of his talks to a “Country boy Jimmy Napier outsmarts the city slickers” theme. His preoccupation with his country-boy origins is beyond my comprehension, although I must admit that many other country boys, including my late father, seem to suffer from the same rural inferiority complex. There may be a number of other “country boys” in this list of gurus. I wouldn't know. Napier is one of only two who think it’s a big enough deal to tell everyone about it repeatedly (Joe Land is the other).
In case anyone else thinks the population density of one’s childhood neighborhoods is relevant to real estate expertise, here are mine. I spent my elementary school years in Wildwood, NJ, a seashore resort. I guess that makes me a beach boy. From sixth to ninth grade, I lived in Harrington, DE, a small farm community. Son of a gun. I, too, am a country boy! I went to high school in Collingswood, NJ, a suburb of Philadelphia. Whew, that was close! I almost became one of those city slickers. Maybe I can claim some additional country-boy status from Collingswood High School. My fellow Colls High grads include John Sterban, who is one of the Oak Ridge Boys, and Michael Landon, who starred on Bonanza and Little House on the Prairie.
Napier’s real estate advice is fine and his prices are reasonable. He’s a bit too basic and a bit too much of a rerun of Ma and Pa Kettle for my taste. But the interesting thing about him to me is that he has managed to acquire a bit of a cult following. I’d rate his real estate analysis about a 4 on a scale of 1 to 10. But his admirers seem to rate him a 9. I think they are unable to tell the difference between real estate expertise on the one hand and personality and showmanship on the other.
Nation Wide Real Estate Discounters (190 Highway 18, East Brunswick, NJ 08816) --- I do not recommendUse my Real Estate B.S. Artist Detection Checklist to evaluate this guru. Note items # 8 and 20.
Nationwide Real Estate Discounters Corp. (14360 S. Tamiami Trail, Fort Myers, FL 33912) --- I do not recommendUse my Real Estate B.S. Artist Detection Checklist to evaluate this guru. Note items # 8 and 20.
H. Roger Neal --- I recommendClick here for a review of Neal’s book Streetwise Investing in Rental Housing.
Bill Nickerson (deceased, Aptos, CA) --- I recommendFather of all real estate gurus. Author of How I Turned $1,000 into $5,000,000 in Real Estate in My Spare Time and How to Make a Fortune Today Starting From Scratch. Fabulous books on renovating apartment buildings. Since I began recommending this book, its price has risen to ridiculous levels on eBay. I recommend that you refuse to pay more than $50 for it. Al Lowry’s first book is also excellent and is about Nickerson’s method. It is still cheap—or at least it was before I wrote this item.
Bruce Norris (Riverside, CA) --- I do not recommendSouthern California seminar guy and investor. Teaches various bargain-purchase techniques. I liked everything in his material except his discussion of mortgages in states other than CA and so stated in a 5/96 article in my newsletter. I do not recommend his Twenty-First Century materials.
Nouveau Riche(Phoenix, AZ) --- I do not recommendJames Phillip Piccolo filed Chapter 7 bankruptcy in Phoenix on 8/27/90 (petition #2:90-bk-09050-RGM). On 6/16/92, a Phoenix grand jury indicted James Phillip Piccolo for “Theft, a class 3 felony and Trafficking in stolen property, first degree, a Class 2 felony,” namely, the theft of a 1981 Mercedes Benz and the sale of its parts (No. CR92-91584). Piccolo pled guilty on 12/7/92 and was found guilty by Judge David L. Grounds of the Superior Court of Arizona, Maricopa County.
Sidney A. PashkowClick here to read my review of the book she co-authored with Victoria A. Jackson, Focusing on Foreclosures.
George Paukert --- UnknownUse my Real Estate B.S. Artist Detection Checklist to evaluate this guru.
Dante Perano (First Hybrid Corp dba Financial Services ofAmerica, 3983 S. McCarran #512, Reno, NV 89502) --- UnknownUse my Real Estate B.S. Artist Detection Checklist to evaluate this guru
Wayne Phillips --- I do not recommendPhillips is a real estate guru who is best known for real estate loan advice. The Federal Trade Commission fined him $50,000 in 1991 and ordered to stop making claims he could not prove. Phillips did not pay the fine and was sued by the FTC in 1995 for $2.1 million. An FTC spokesman said Phillips exaggerated the ease with which real estate loans could be obtained. Phillips also owes Texas a $30,000 fine.
Phillips used to sell some of my books. His financial guy was very angry at me because I always made them pay in advance with a cashiers check.
Tony Pico --- UnknownUse my Real Estate B.S. Artist Detection Checklist to evaluate this guru.
Larry Pino (Orlando, FL) --- I do not recommendJane Bryant Quinn did a detailed article about Pino in the 6/8/98 issue of Newsweek and in her newspaper column. According to Quinn, Pino is an attorney who was reprimanded by the Florida Bar for misusing an investor's funds. Pino says he paid the money back. He also worked for gurus Charles Givens, Mark Haroldsen and Dave Del Dotto (which see).
A reader sent me an “Assurance of Voluntary Compliance” filed in court in Davidson County, Tennessee in 1996. The barely legible docket number appears to be 96-3631-III. It is labeled State of Tennessee versus Diversified Cash Flow Institute, Inc. (Pino is “President and General Counsel” of DCFI). It says “The Division of Consumer Affairs...and the Attorney General conducted an investigation of [DCFI's] business practices. These practices include the following:...using earnings claims that are not representative of the results an average participant in the training program could expect; making potentially misleading statements about the value or cost of the training program; stating that the training program was associated with a university when it was not;...and overstating the value of certification offered by [DCFI]...the Division and the Attorney General determined that certain acts and practices of [DCFI] violated the Tennessee Consumer Protection Act of 1977. [DCFI] neither admits nor denies any wrongdoing...and gives this assurance...in order to avoid the expense of litigation.” The court papers state that the DCFI training program cost $6,995.
Interestingly, the “Assurance” requires DCFI to make “verifiable substantiation of...illustrations that may not reflect the average experience of a graduate...available on request.” The word “illustrations” apparently refers to examples of student success or student testimonials. I am very suspicious of the testimonials provided by seemingly average persons on guru infomercials. The Assurance requires DCFI to stop saying the “cash flow” industry is unregulated when, in fact, TN law requires a brokers license for some of the activities DCFI covers. The Assurance orders DCFI to refrain from discouraging consumers from taking notes or otherwise keeping a careful record of the information [DCFI] provides during the introductory workshop.
One item really bugged me. It orders DCFI to not encourage consumers to go into debt in order to take the DCFI course. They do that?!
Jane’s assistant Temma Ehrenfeld attended Pino’s $5,995 five-day “boot camp” called The Diversified Cash Flow Institute. 33 people attended that 3/97 session. Temma called all of them 15 months later to see how they had done. One man had grossed $1,050 on two deals---a net loss of $5,995 - $1,050 = $4,945 after deducting his "boot camp" tuition, more if you include the expenses of traveling to Austin. No one else whom Temma was able to talk to had done any deals. It should be noted that Pino grossed 33 x $5,995 = $197,835 for his five days of teaching. Four of the graduates of this “boot camp” called it a waste of their time and money. I suspect the others are still in denial.
Is December of 2004, a TN administrative judge ordered the State of TN to reimburse Dynetech, a Pino company, for $133,000 costs of successfully defending a cease and desist action.
John Polk --- I do not recommendSold "Inside Secrets" of wealth and falsely promised to invest in the deals brought to him by followers. Sentenced to 51 months in federal prison. U.S. District Judge J. Frederick Motz also fined Polk $250,000 and ordered him to pay $2 million in restitution in a mail-fraud case against Peak Performance and its successor, Success Achievement Systems. "The government has made an overwhelming showing of fraud from the inception of the whole business," Motz said.
William PoorvuClick here to read my review of his book, The Real Estate Game.
Richard Powelson --- I do not recommendA much-traveled seminar speaker. I took a Lowry-Nickerson finance seminar from him in San Francisco in 1979. It was appallingly unethical. At one break, the guy next to me commented, erroneously, “I don’t think there’s an honest man in the room.” The audience had repeatedly laughed at Powelson’s cornucopia of tricks, like listing yourself as a vice-president on your business card so you could pose as president when a mortgage lender called to confirm your employment. Powelson himself thought the stuff was unethical. He commented all weekend. “I don’t advocate these things. I’m just telling you what some of my students have said.” But almost the entire weekend consisted of such “I don't advocate..." advice.
Programcritique.com --- I do not recommendThis guy , J.C. Sbicca, copied my write up on Carleton Sheets and put it at his Web site without my permission and without saying that I was the one who wrote it. He also has the words “Copyright 2004 All rights reserved” on that page indicating that he is the owner of the stuff he stole from me and that you’d better not steal it from him. Jerk!
David Ramsey --- UnknownUse my Real Estate B.S. Artist Detection Checklist to evaluate this guru.
I have been told that he had a bad experience with debt and now recommends against ever having any debt at all. That is too conserrvative and would have the effect of preventing the vast majority of people from ever owning a home or other real estate.
My advice is to use debt at the beginning of your career, then phase it out gradually over time. See my book How To Get Started in Real Estate Investment. I recommend that you have both a net worth goal and a loan-to-value ratio goal and a deadline for accomplishing them. A typical goal might be to have a net worth of $2,000,000 in today’s dollars and loan-to-value ratio of 0% twenty years from now. A loan-to-value ratio of 0% means you own your real estate free and clear of any debt.
James RandelClick here to read my review of his book, Confessions of a Real Estate Entrepreneur.
Real Estate Investment Forum --- UnknownOn 3/27/06, I got the following email from this organization:
Hi John: As the Executive Director of the Real Estate Investment Forum I have followed your web site through the years with a certain amount of interest. I have always found you to be an excellent voice in our business, and we have stated so from time to time on our web site. Recently, however I have lost a great deal of respect for the views you express on your "Guru Rating Page". A number of our members, particularly the more recent subscribers, find it more than a coincidence that you have not taken the time to rate our services. You know who we are. We have been very visible on the Internet as a provider of 1-on-1 mentoring for more than five years. I have e-mailed you with an offer to review our program both in content and administration. We have offered you the opportunity to review our proprietary course information and provide you with a copy of the "Forum Workshop Live". You have not even extended the courtesy of a reply. Your Guru page has become very disingenuous and self-serving by carefully editing out those good programs that compete directly with your material. We respect your views and hope that you can become more balanced in your presentation. I also believe that we could form an excellent strategic marketing relationship if you are interested. Perhaps we will speak. Bob Petersonwww.highnoi.com <http://www.highnoi.com>916.408.0494
[Reed response]
1. I have either never heard of these guys or do not remember ever hearing of them.2. I do not get paid to rate anyone so I cannot imagine how anyone has decided they are entitled to my rating them. I generally do a rating because I have come across something that gives me information on which to write a review or because someone achieves extreme prominence. 3. The parade of new real estate investment gurus and organizations is endless—approximately one a week. For a brief period, I tried to kep up generally by adding “unknown” ratings. Then, when I saw it was endless, I said to heck with it.4. I get thousands of emails a day. My spam filter screens out most of them. I have all but abandoned answering them because a) it takes too much time and b) some people I answer give me crap about my answer. So why bother?5. I have not edited out good programs. One of the complaints about me is that I seem to criticize “everyone.” I wish I could find more good programs to review positively.6. This email alternately flatters me, condemns me as dishonest, and asks to do business with me. I know nothing abbout what they do, but I would be surprised if anyone capable of composing such an email would be worth your time or mine.
Real Estate LinkSee Fortune 21.
Marshall E. Reddick a.k.a. Real Estate Foreclosures --- I do not recommendReportedly advocates investing in a type of property where he or an associate gets a commission for selling it to you. In general, you should not get investment advice from persons who receive a commission if you buy the investment they recommend. An investor who went on one of Reddick’s buying trips said they bought only VA repos that were listed with Realtors®. Furthermore, they told the buyers to bid 15% over asking price, which is typically market value. Why bid 15% over asking price? Because they “wanted their students to be the successful bidders.” Not to mention the fact that the “teachers” also wanted to be the successful salesmen who got the 6% commission on the deal—commissions that were inflated by 15% above what they would normally get. The teachers rationalize overpaying by predicting appreciation and urging students to hold for the long term. I’ve heard that one before. Why not pay market and hold for the long term?
One of Reddick's seminars is called “Profiting with fixer uppers with or without the work.” I have done fixer uppers and interviewed many fixers and read virtually every fixer book. I know of no way to do it without work---either carpentry, etc. or hiring carpenters, etc.—neither of which is easy.
Another of his seminars is “How to reduce your income taxes to zero.” I have written 18 editions of the book Aggressive Tax Avoidance for Real Estate Investors. In general, reducing your taxes to zero is so difficult that it almost certainly is not worth the trouble. There is a point of diminishing returns in almost everything. To eliminate state income and sales tax, you would have to move to a state with neither. I believe that means New Hampshire. To eliminate taxes on interest, you would have to put all your non-real-estate money into municipal bonds and not live in the municipality in question if that town has a city income tax. There are also disadvantages to reducing your taxes to zero, like not being eligible for social security. The main way I know to reduce your taxes to zero would be to move to New Hampshire and do nothing but buy and sell principal residences for a profit every two years.
Reddick is a PhD and was a professor of business and economics at California State University, Los Angeles until 1/00 when he retired. He also teaches at 22 other southern California colleges. I surmise Reddick is one of many real estate agents, lawyers, insurance agents, etc. who, to generate business, teach Saturday extension courses sponsored by colleges. The quality of such courses is generally good, but varies.
He also says he is a member of the National Speakers Association and holds its “coveted” Certified Speaking Professional designation, as does Zig Ziglar. I am a former member of NSA. I quit after just one year. There are two associations for speakers. The other is the International Platform Association. IPA seemed to consist mainly of men and women of distinction—famous news anchors, actresses, generals, and so forth—who also make speeches. IPA members Wolf Blitzer and Colin Powell do not have the “coveted” Certified Speaking Professional designation; they have the even more coveted $75,000-a-pop speaking fees. NSA seemed to consist mainly of plain Janes whose only accomplishment was speaking. A 2001 survey of NSA’s 4,000 members found that 21.7% made $25,000 or less a year; 11.8% made $101,- 150,000; 2.6% made more than $500,000. That leaves 63.9% unaccountend for. I assume they make zero from speaking.
Dale Carnegie said the ability to speak in public was a “shortcut to distinction.” The NSA people, for the most part, struck me as the type who could only achieve distinction by taking a shortcut.
I met NSA member Og Mandino and he seemed like a sharp guy. But many other NSA members seemed shameless and desperate in their need for approval from the audience. Their icon Cavett Robert was noted for crying in every speech when I was a member around 1980. (A recent NSA member said he never saw Robert cry in the four years before Robert’s death.) When I attended their convention, another speaker made a joke in his speech about Robert crying in every speech. Another guy ended every speech by asking the audience to stand up and sing God Bless America. In both cases they seemed to me to be like small children crying out for attention and approval and willing to use almost any trick to get it.
At the NSA convention I went to, one woman showed a maudlin movie about herself making a parachute jump. She just signed up at a parachute school in the Yellow Pages and made one jump into the ocean, which was that school’s standard landing zone. The movie included much crying and agonizing about whether to go ahead with it. Given its large size, I suspect the audience contained at least a dozen former paratroopers—including me. It never occurred to me or my fellow paratroopers that our first jump or the training leading up to it were very interesting. None of us agonized about going through with it and no one in my large class failed to make their five jumps—or even hesitated.
NSA hero Tony Robbins has the “gift of gab” and he is as handsome as a comic-book action hero. But his only accomplishments, other than speaking, appear to be surviving being thrown out of his home at age 17 with $10 in his pocket, surviving bankruptcy at age 21, and losing the 38 pounds he put on when he went bankrupt. I could not tell from his bio if he graduated from high school. The lady whose claim to fame was the one Yellow Pages parachute jump has a more impressive list of non-speaking accomplishments. I have never heard Robbins say anything I disagreed with, but I bought one of his book-store cassettes for my oldest son and was disappointed with it. I find him a little glib, which is probably an occupational hazard of what he does for a living. But Robbins, like many other NSA members, has apparently never even tried to be a success at anything other than telling other people how to succeed.
NSA had some impressive guys, but most were pathetic. I do not know which category Reddick is in. But NSA was one of two organizations I have ever joined which immediately inspired me to say, “Let me out of here!” (The other was Mensa, which I quit after two meetings because they reeked of body odor! I kid you not.)
60 Minutes did a program about the NSA on 4/16/00. It featured Zig Ziglar and Tony Robbins. Like the 60 Minutes program I appeared on (3/16/86) regarding nothing-down seminars, the correspondent was Morley Safer. Safer made fun of the speaking business. Colin Powell was also on the program. He also gets a private plane to take him to speeches. As far as I know, he is not an NSA member.
I am told also that Reddick sets up a property-management contract with a real estate broker in the distant area where these properties are located. You should never use independent, fee-paid property managers. There are only three sound choices regarding real estate property management: do it yourself, hire a salaried employee to do it, or do not own the property. Someone should start an “I hired an independent property manager” horror stories Web site. It would have thousands of eager contributors, each of which would focus on one of two consistent themes: overcharges/kickbacks and neglect.
John and Greg Rice (Cape Coral, FL) --- I do not recommendSpokesmen for Cash Flow Generator, which Russ Whitney now owns. The Russ Whitney name does not appear on the Web site as far as I can tell, but if you look at their “Contact us” page, it uses Russ Whitney’s corporate headquarters address. See also my Russ Whitney affiliations page. Russ Whitney told me in the Fall of 2005 that John Rice had died.
Jon Richards (San Francisco, CA , deceased 11/18/03) --- I recommendNote broker guru who published Noteworthy newsletter. Producer of an annual conference on note brokering. It's not my area of expertise, but Jon seems to be a squared-away guy. I recommend him to anyone interested in note brokering.
He invited me to speak at his 2000 convention. I declined on the grounds that I do not know the note brokering business. I later learned that one of the other speakers at that convention was Robert Kiyosaki. Jeez!! Jon needs to raise his standards, both in terms of making sure the speakers have note expertise and in terms of not headlining B.S. artists—best-selling author or not.
[Here’s an email I got from Richards after he read the above.]Wow! You could not have been more correct. The guy was extremely arrogant, and gave us no information about Real Estate or notes or how he made his money. He seems to have come up with one idea about investing in assets and is riding that pony to lots of best sellers. I have never been so appalled at a speaker's ability to talk for over an hour and share no substantial knowledge. How in world could he have 3 best sellers? It's frightening. In fact, I think if you look at the Wall Street Journal's list of best selling business books you will find primarily a list of simple minded garbage. (e.g. Who Moved the Cheese?)
Leigh Robinson --- I recommendAuthor of Landlording and the Eviction Book for California. Also produces software Landlording on Disk and Pushbutton Landlord. This one-time divinity student is the closest thing the real estate guru business has to a saint. (Some would observe that ain't saying much.) I highly recommend anything he does.
Click here to read my review of his new book, What's a Landlord To Do? Landlording Q&A's.
George Ropchan --- unknownLoan broker guru. Not my area of expertise. Use my Real Estate B.S. Artist Detection Checklist to evaluate this guru.
Stephen Roulac --- I recommendPreviously, I did not include Setphen Roulac here because he seemed mainly oriented towards institutitonal investors. However, he came out with a book that is aimmed at laymen so I now add him to the list. Click here to read a review of that book.
Al Seastrand (Sacramento, CA) --- I recommendExperienced investor, contractor, attorney. Gives much high-quality information for very little cost. Similar to John Beck for those of you who know him. Seastrand single-handedly discovered, exploited, and destroyed the assessment-district tax lien certificate approach in California. He destroyed it by getting publicity about it which, in turn, caught the attention of California legislators (Seastrand is in the state capital, Sacramento) who promptly outlawed it. See also David Martin letter.
J.C. Sbicca & Company, LLC. --- I do not recommmendThis guy copied my write up on Carleton Sheets and put it at his Web site without my permission and without saying that I was the one who wrote it. He also has the words “Copyright 2004 All rights reserved” on that page indicating that he is the owner of the stuff he stole from me and that you’d better not steal it from him. Jerk!
John Schaub (Sarasota, FL) --- I recommendI attended most of his seminar and I thought it was good. He said his seminar attendees bought For Sale By Owner properties at bargain prices during every one of his seminars. But, to my surprise, he was unable to give me a single name of such a person so I could interview them and write about their bargain...other than Jimmy Napier, another real estate guru. Napier confirmed that he had attended a Schaub seminar and purchased a FSBO as a result. He told me the price he paid but refused to tell me the market value of the property at the time he bought it so I could gauge the extent of his bargain. He kept repeating that you could never tell what a property is worth until you sold it. That, of course, is baloney. Nobody buys a property without first assuring himself that he is paying no more than market value. Smart bargain purchasers make sure they are paying at least 20% less than market value and they cannot sell the property before they buy it in order to ascertain the market value.
Schaub is extremely popular with, and highly regarded by, real estate investors who have taken his Making It Big on Little Deals seminar. See also David Marin letter.
Click here to read my review of his book, Building Wealth One House at a Time.
David SchleyClick here to read my review of his book, Finding Your Fortune in Repossessed Real Estate.
James Schwartz --- UnknownClick here to read my review of his book, Enough.
Lonnie Scruggs (Chesapeake, VA) --- I recommendScruggs has written a couple of books about mobilehome investing. I like everything about them except one piece of advice where he says you should pretend to be extremely concerned and upset about minor maintenance items in order to convince the sellers to lower their prices. You should not do that, because it's dishonest. One guru described Scruggs to me as a more articulate and readable Jimmy Napier (in terms of real-estate approach, not country-boy themes). A visitor to this site sent me an email about Napier and Scruggs.
Carleton H. Sheets a.k.a. Carlton Sheets, Carleton Sheets, Carelton Sheets (Stuart, FL) --- I do not recommendMark Holocek, Sheets’ associate, was kind enough to send me two boxes of Sheets books and tapes. I put my analysis of them on a separate page.
I previously described Sheets as a former Al Lowry instructor. He wrote me a letter saying he wasn’t a Lowry instructor. The letter also complained about being “lumped with Robert Allen.” I have since learned that Sheets was a pitchman for Nothing Down author Robert Allen, that is, he was the guy who made speeches to get people to sign up for Allen’s weekend seminar. Seems to me Sheets should have mentioned that in his letter to me.
He also protested that he no longer does infomercials from a yacht in Florida, although he admits he “did one scene from a yacht 12 or 14 years ago.”
In his letter to me, Sheets bragged that he recently did a nothing-down purchase. I asked for the address and name of the lender. No response.
Sheets’ letter says he has been a “full-time real estate investor for nearly 29 years.” The phrase “full-time real estate investor” catches my eye. Such people are rare. Most of the real-estate millionaires I know only do it part-time. It’s kind of the nature of real estate: part business and part investment. Sheets’ partner Mark Holocek admitted to me that Sheets now spends less than 40 hours per week on real estate investment, “but that’s all he does.” Well, except for appearing in infomercials.
In his letter to me, Sheets claimed, “I...am buying, selling and rehabbing property on a weekly basis.” I asked him for the addresses of the properties he had bought, sold, or rehabbed in the last three months. No response.
Why would a guru brag to me about his purchases, sales, and rehabs, then refuse to provide addresses, especially when he ought to know I am going to tell my readers about it? It can’t be privacy. All real estate transactions, including lenders, are publicly recorded. Rehab generally requires a building permit, which is also public. Some gurus refuse to provide addresses because they simply did not do the deals at all; others, because there is something about the deal which would embarrass them. I do not know Sheets’ motivation for not responding to my request for addresses and a lender name. I encourage FL readers to try to track down his deals and tell me about them.
I have listed every property I ever owned in the about-the-author section of this Web site. My book How to Buy Real Estate for at Least 20% Below Market Value contains 166 actual case histories and includes the address of the property in question whenever the investor gave me permission to do so. I also include property addresses as well as investor names and phone numbers in my newsletter articles whenever the investor lets me. Whenever a guru brags about a deal, ask him for an address so you can check it out. If he refuses to provide the address, leave.
I am told by someone other than Sheets that he is one of another rare breed. He is not a self-employed guru. Rather he has some sort of partnership or independent contractor relationship with the guys who actually promote and sell the Carleton Sheets home-study course. If that’s the case, he may be able to invest most of the time, but not “full-time.” I guarantee you that no guru who owns and runs his own guru business has time to also invest “full-time.”
As I said in my Real Estate B.S. Artist Detection Checklist article, “Gurus get the same 24-hour days as you. Being an expert takes time. They have to read many trade journals, loose-leaf services, and books to keep up to date. They have to spend hours on the phone interviewing sources for their articles and books and hours in the library researching legal cases and other relevant facts.
“As experts, gurus get interviewed by the media on the phone and in radio and TV studios and they make speeches to investors.”
Although Sheets’ prices seem relatively low, once you order you will find that you are repeatedly pressured to buy more expensive products. His inexpensive products are deliberately left vague and incomplete to get you to buy more expensive products. Here’s an email I got from one of Sheets’ customers about attempts to sell him other things. Here are other emails about Sheets.
A couple of people have told me they made a lot of money in real estate because of Sheets. I don’t believe it. I have read a considerable portion of his material and have yet to find any ideas that would lead to anyone making money.
At worst, the people who have contacted me are simply shills who are lying. At best, they are sincere people who did, in fact, get into real estate and make money, but they are erroneously attributing their success to Sheets. If you truly think Sheets’ advice made you money, please tell me which one of Sheets’ books gave you the ideas you used to make money, and the page and line numbers of the idea or ideas in question. I suspect that if any of these people are sincere, they will be surprised to find that they cannot cite a single specific piece of Sheets’ advice that helped them, other than his general statement that you can make money in real estate. [Note: This request has been on this site for many months. I have yet to hear from a single investor who can point to a quote in a Sheets’ book and say it made him money.]
The real-estate world has long been inhabited by thousands of successful people who got into real estate because of some bogus guru, could not make money with the guru ideas they had so expensively purchased, but ended up discovering other, legitimate ways to make money in real estate on their own. Most of these folks are intelligent enough to recognize that they were taken by the guru and succeeded more in spite of him than because of him. But a small percentage of people are sufficiently dimwitted and easily manipulated that they retain their love for their guru long after they should have noticed that his stuff really did not work and they actually made their money using a different approach.
I am bemused to note that some spell checkers suggest replacing “Carleton” with “charlatan.” Is that a mechanical result of the similarity of the two words—or is a guy in the spellchecking company an unhappy customer?
A person who attended a Russ Whitney seminar deliberrately gave a particular misspelling of his name to the Whitney registration clerrk. Later, he received a mail solicitation with that same misspelling from Carleton Sheets.
Robert Shemin (Nashville, TN)Click here to read my review of his book. I found it to be a mixture of good and bad advice. In general, it contained the same stuff that is in the run-of-the-mill real-estate-investment seminar for laymen—look for “motivated” sellers, put the phrase “or assigns” in contracts, etc. I recall no Shemin idea that I have not seen dozens of times elsewhere.
Simple Man’s Guide to Real Estate --- I do not recommendWhen I visited it years ago, the Web site for this “course” or whatever it is had, in white letters on a white background, the following:
Carleton Sheets Don Lapre no money down Wade Cook foreclosures Carlton Sheets Carleton Sheets is OK, but there is a low-cost, more powerful alternative... Carleton Sheets Real Estate Carleton Sheets Real Estate Carlton Sheets Real Estate
The use of such “invisible” words at a Web page is dishonest. See item # 19 of my Real Estate B.S. Artist Detection Checklist. Note that I do not have a person’s name here for my rating. The Web site for this whatever does not list the name of a single human being or company except for the ones he, she, they claim he, she, they are better than, like Carleton Sheets. That’s strange. A visitor to this page tells me Bill Vaughn is the author.
This Web site has a logo that says “Registered Safer Shopping Site ePublic Eye.” A number of readers have noted that logo appearing on other sites of gurus I do not recommend. Apparently, that organization has far lower standards than I.
On 1/26/05, I got an email purportedly from “Chuck Hall, Administrator, IntelliBiz.” It says that my statement that they have the above words in white letters on a white background is a “lie.” Accordingly, I changed the tense of the first sentence in this review to the past tense. I have not checked their Web site recently. I guarantee that the above statement about white-on-white words was accurate when I first wrote it.
Howard Small --- unknownUse my Real Estate B.S. Artist Detection Checklist to evaluate this guru.
James Smith --- I do not recommendI have been told repeatedly that he is a very entertaining speaker. So if you want to learn how to be a very entertaining speaker, catch his act. With regard to his real estate investment advice, compare what he says and does to my Real Estate B.S. Artits Detection Checklist. For me to review him in more detail, someone needs to give me a publication he has written.
Thomas StanleyClick here to read my review of the book he co-authored, The Millionaire Next Door.
John Stefanchik (Salt Lake City, UT or NYC?) --- I do not recommendA visitor to this site tells me Stefanchik was associated with Larry Pino whom I do not recommend. That visitor also said Stefanchik had a $7,000 seminar and a $600 course. $7,000 is too much for a seminar. See my article on expensive seminars, "boot camps," and "mentoring" services. $600 is probably too much for a course. I'd have to see it to be sure.
I called to confirm those prices. Although the woman answered the phone, "Stefanchik Organization," she claimed not to know the prices of anything except their $19.95 book and video tape and made no offer to find out. I do not know what Stefanchik does, but many sellers of high-priced seminars and courses market them via high-pressure telephone salespeople who are on commission. A visitor to this site tells me Stefanchik’s “Financial Mastery” course costs $2,995 and that his “Business Coaching” course costs $1,495.
A reader loaned me his Wealth Without Boundaries book. I saw no problem with it. It should be noted that paper is outside my area of expertise. It appeared to be a book that would sell for $15 to $20 in a book store.
In August, 2004, the Federal Trade Commission sued Stefanchik, The Beringer Corporation, Scott B. Christensen, and Atlas Marketing, Inc. The suit alleges that the defendants made false and unsubstantiated earning claims and told consumers they would get a coach who was experienced in mortgage paper transactions who would be readily available to them. Apparently the coaches did not always have such experience and were not always available to customers.
On January 3, 2005, U.S. District court Judge Ricardo Martinez of the Western District of Washington issued a preliminary injunction. It prohibits Stefanchik and Beringer from making false and unsubstantiated earnings claims about their program and from making false claims that their program coaches have substantial experience in the paper business and are readily available to assist consumers. You can read about this at http://www.ftc.gov/opa/2005/01/stefanchik.htm. Also, I have posted the government stuff at www.johntreed.com/Stefanchik.html in case the government takes it off their Web site in the future.
See also the mention of Stefanchik under Ted Thomas.
Here is an email I got about Stefanchik:
Dear Mr. Reed,In the last year and a half, I have tried to find a way to increase my income as a retired person, and answered many flyers promising untold riches from work at home programs. One of the companies I responded to was John Stephanchik's. I received a video and some printed matter for I think $24.95. Of course the video made it seem as easy as frying eggs. When I called their 800 number a skilled salesman responded, and in asking many of his very obvious questions, he would use the phrase,"Wouldn't you agree?", one would have to be an idiot not to. When he reached the bottom line, the price of the program was about $5,000 or $7,000 to which I said, "No, thank you." He then started to lower the price to $3,000, then $1000, $700, $500, and I think when the conversation ended he was down to $250. Somewhere during the conversation he used the phrase OPM - other people's money, meaning to borrow on a credit card to pay for something, initially, then to make enough money to pay off the credit card.About six months later I responded to Michael Warren's Easy Money From Bad Debts. Again I received a video, and a booklet promoting his Judgement & Lien program. Again I called the 800 number and spoke with what seemed like the same person from the Stephanchik's organization. The voice seemed familiar, and he also kept using the phrase, "Wouldn't you agree?" after making very obvious statements.In our conversation, he said you would only need about three pieces of paper to use for assigning the judgements over to yourself. He told me he was going to give me some telephone numbers where I could order several very low interest rate credit cards to make balance transfers to, in order to give me more time to make money using the program. Because we are going to use OPM to pay for it. He was very skilled and smooth in his logic and salesmanship. He knew the right buttons to press, (I think, because we had a previous conversation six months earlier). When he told me the price of the program was $3545, it took my breath away. He said for that amount I would be getting a personal counselor to walk me through the program step by step. I then gave him my credit card numbers, and he said there could be no refund once I made the purchase. I am not a naive or stupid person, but the pressure I felt at the time, by this skilled, smooth talking salesman, named Randy did not allow for the presence of mind to say, I would like to think about it for a couple of days. Three weeks later the three package course arrived and I proceeded to listen to the six audio tapes of nothing but paperwork. It just went on and on and on. The course is very negative, going after dead beat dads for child support, attaching people's bank accounts and property, suspending people's driver's license, garnishing their wages. It was all so very unsavory and negative.When I called the company to demand my money back, and to return the course. I was given another telephone number to call. When the operator answered the said 'Stephanchik Company'. I said I wanted the Michael Warren Company. "We also handle Michael Warren's business too," she said.. It became obvious to me that Stephanchick and Warren have somehow combined operations. The video came from Salt Lake City, Utah, but the course came from Colorado Springs, Colorado. After several delays, they finally put Randy on the phone to me. He started arguing with me immediately. Saying you haven't even contacted your counselor. Work the business in order to pay for your course. I said I don't want to work the business. Give me your address so I can send back the course. He said, we don't want it, it's your property, it belongs to you.I called my two banks and initiated disputes of payment to my MasterCard's and, also contacted the District Attorney in Colorado Springs. They told me that there was a suit against Michael Warren in Florida, and to write to the D.A. summarizing my dispute as misrepresentation, and they would see it they can attach it to the same suit in Florida.Alas, they could not. Michael Warren never responded to the dispute after 45 days, and my bank credited my account for the money.I found you website, alas too late, but I appreciate your efforts and investigation of the dubious offers that come to people as scurrilous scams and deceitfulness. Could you tell me where I might obtain your BS Detector?You have my permission to use my letter in part or in entirety.Very sincerely yours, Peter Filancia
Bill Steiger --- UnknownUse my Real Estate B.S. Artist Detection Checklist to evaluate this guru. I got an email from a very unhappy customer of Steiger’s. He basically did not think what he got was worth anywhere near what he paid. I assume Steiger has a different opinion, but since there were no factual allegations, I have not asked him about it.
Martin Stone --- I recommendHe wrote a book on real estate investment with Spencer Strauss. See my review of it here.
Spencer Strauss --- I recommendHe wrote a book on real estate investment with Martin Stone. See my review of it here.
Success Magazine (see also Fortune 21) --- I do not recommendToo expensive. I wonder why anyone thinks they need "home buyer training" that costs thousands of dollars when people have been buying homes for hundreds of years without it. There is already a whole industry to help you buy homes. They are called Realtors®, mortgage brokers, title insurers, and so forth. If you want to learn how to buy cheap, as they imply they will teach you, you should study books like my How to Buy Real Estate for at Least 20% Below Market Value. It costs $39.95, not the $2,995 these guys want. There are also a few other useful books by other authors on foreclosures and such.
Here are reader comments I have received about Success Magazine.
I think $1,025 is too much for training videos. See my article on expensive stuff. See point number 8 on my Real Estate B.S. Artist Detection Checklist for my opinion of companies that offer to finance your real estate deals and point number 20 for my opinion of companies that use words like "success" in their company name or product name.
Success magazine filed for Chapter 11 bankruptcy in May of 1999.
Milt TanzerHas a formula for investing in the 1970s. I reviewed his book for my newsletter. Here is the review.
Bill Tappan (Albuquerque, NM) --- I recommendCommercial real estate broker in Albuquerque, NM and author of the book, Real Estate Exchange and Acquisition Techniques. Great book. Unfortunately it's now out-of-print and out-of-date. Tappan is the first I know of to include court citations in a book for laymen. I followed his example in my book, Aggressive Tax Avoidance for Real Estate Investors.
Jeffrey Taylor (Norfolk, VA) --- I recommend but...“Mr. Landlord” Some good information , some incorrect information. Too gimmicky for my taste. He offers so many “special” deals and free trials on his newsletter that I wonder if anybody ever pays for it. I got a bunch of mail from his readers once. Oddly, much of it came in envelopes that were recycled. For example, electric company bill envelopes with the electric company return address crossed out and my name and address written on the window. Many wanted to know what “specials” I offered. Strange group.
Suzanne P. ThomasClick here for my review of her book Rental House for the Successful Small Investor.
Ted Thomas (Tax Lien Institute, Santa Barbara, CA) --- I do not recommendLast I heard, Thomas was a pre-foreclosure and discount lien release guru. Now he’s touting tax liens. I have not seen his tax lien stuff.
I like many of Ted’s ideas. He’s a smart guy who has been around. He went bankrupt apparently as a result of being a syndicator in the ’80s. However, he gave me inaccurate information on a deal I interviewed him about. Two of my readers attended a seminar he gave and did not care for his approach. I know a guy who went into a venture with him and was very unhappy with Ted. Ted’s books contain some stuff I disagree with, like having the previous owner of a property you buy write to the mortgage lender saying he lost his payment book and requesting a new one. In these cases, the new owner of the property is buying subject to a nonassumable mortgage and trying to keep the sale secret to avoid triggering the due-on-sale clause.
His basic approach to pre-foreclosures and discount lien releases as reported in my newsletter and my 20% Below Market Value book is good. But he keeps doing things that embarrass me so I am reluctant to recommend him in a general sense.
Here is an email I received from a visitor to this page:
“I am the one who started the ball rolling that eventually led to the Jefferson Institute (Utah) going under. Ted Thomas was teaching his foreclosure course there for something like $2750, in conjunction with JI. After I got back home, I tried his course and followed what it said to do and I found it to be a big rip off. I had to amend it to do my own thing out of it (I've been a CA real estate broker since 1971).I wrote and complained and and also wrote or called every single one of the 100 attendees of that Ted Thomas course. The Jefferson Insititute got me my money back and gave me a free ticket to attend John Stephanchik's trust deed course. They obviously were receiving all kinds of demands for refunds after my calls and letters (pre-e-mail, obviously in 1991.) Shortly thereafter JI went chapter 7. I really don't know if Ted Thomas was affected by it.By the way, I had to amend Stephanchik's teachings too in order to do the trust deed buying and selling. I did all right with it afterwards. When I made some calls to JS to ask questions, I did get the runaround from his office in upstate (or outside of NYC) New York. Since I did not pay for the course, I didn't pursue it any further.Dick DennisEscondido, CA
Wright Thurston --- I do not recommendThurston is first and foremost a salesman. A subscriber to my newsletter said he spent all of a recent speech by Thurston taking notes on his salesmanship, none on real estate. Thurston made a sell-stuff-in-the-back-of-the-room speech in February of 1999 in which his main claim to fame was that he used to hang around with Robert G. Allen.
A visitor to this site was kind enough to loan me a copy of Thurston's “Fair But Firm Landlording Techniques.” It’s not bad, but as I read it, I found myself thinking that parts of it were taken from my book How to Manage Residential Property for Maximum Cash Flow and Resale Value. Sure enough, he recommends the first edition of my book in the bibliography. He also recommends Leigh Robinson's Landlording, which no doubt inspired his title. You ought to read my book and Leigh’s, but there is far less reason to buy Thurston's overpriced effort.
Here are the problems I have with it. It triggers the following items on my Real Estate B.S. Artist Detection Check List: 11, 12, 13, 16, 17, and 20. When he paraphrases my book, you get a lame, nine-year old version of what I said. Why not get the current, complete fifth edition, which I sell for just $23.95 plus shipping?
The only reason to read Thurston’s book is that he relates some personal war stories which obviously are not in my book or Leigh Robinson's Landlording book. He also has an occasional trick, like using a silent (to human ears) dog whistle to locate secret dogs in your rental units.
I do not disagree with much of what he says. But then I do not disagree with much of what Leigh Robinson or I said in our books and Thurston seems to have benefited greatly from reading them. Most of my complaints with his book fall under the category of OK-as-far-as-it-goes-but-it-doesn't-go-very-far. Occasionally, he says something that is dead wrong. For example, he says you should lower your standards in a soft market. No way. You lower your rent in a soft market, never your standards. That advice is penny-wise and pound foolish, not to mention short-sighted.
I would recommend the book weakly if he sold it for a fair price, but I will not recommend it when he charges a bunch and forces you to buy it with cassettes which restate the same material.
Troy Aurelius Titus (Virginia Beach, VA) --- I do not recommendTitus was disbarred by Virginia on 9/28/05 for overdrafts in escrow and trust accounts under his care.
Donald Trump (New York City) --- I recommend (only his Art of the Deal book)I recommend Trump’s book Art of the Deal although it is about institutional (huge) properties and development so it is only partially helpful to individual real estate investors (purchase, renovation, and sale of small, existing properties) and beginners. I have also seen some episodes of the Apprentice and was generally impressed with the way Trump handled himself and dealt with his subordinates.
Trump’s publisher asked me to contribute to a forthcoming book of his on “the best real estate advice I ever got.” I sent in a contribution, but I later withdrew it because I started seeing ads that showed Trump speaking with Robert Kiyosaki and Tony Robbins (he is not real estate but I commented about him in my rating of Marshall Reddick above) and because I heard that the real estate guy at Trump’s University is Dolf De Roos.
I do not recommend other speakers who are associated with Trump.
A number of readers have commented to me along the lines that Trump is the gold standard of real estate investment. I disagree. He is a somewhat successful (one company of his went bankrupt) developer of commercial properties in Manhattan and now branching out into some other cities. He is also perhaps the most prominent commercial developer in the nation becaues of his use of his name on most of his properties; his focus on landmark properties like office buildings, hotels, condos, and casinos rather than less glamourous properties like industrial buildings or garden apartments; his TV series; his marriages; and other activities that draw media attention. Trump is a celebrity real esatte developer. If there is a top real estate investor, it is more likely a guy who never put any of his companies into bankruptcy like Sam Zell or Tom Barrack whom Fortune named “The World’s Greatest Real Estate Investor” in its 10/31/05 issue.
Trump wrote a book called Why We Want You to Be Rich with Robert Kiyosaki. Click here for a review of it by one of my readers.
Trump University real estate programs --- I do not recommend
John Ulmer, Westhaven Group (Toledo, Ohio) --- I do not recommentCommerce News Release
FOR IMMEDIATE RELEASE12/13/2005
Contact: Dennis Ginty at (614) 644-9564 dennis.ginty@com.state.oh.us or Denise Lee at (614) 644-7115
SUSPENSION ORDER CONFIRMED AGAINSTWESTHAVEN GROUP, LLC, HAVEN HOLDINGS, LLC, AND JOHN F. ULMER(Columbus) -- The Ohio Department of Commerce Division of Securities issued final orders today confirming the November 21, 2005 suspension order against Westhaven Group, LLC (“Westhaven”), Haven Holdings, LLC (“Haven Holdings”), and John F. Ulmer. The confirmation permanently suspends the right of the respondents to buy, sell or deal in securities issued by Westhaven. Further, today’s action officially finds that Westhaven, Haven Holdings, and John F. Ulmer sold unregistered securities, made false representations in the sale of securities, and engaged in securities fraud. The Division also finds that Westhaven, Haven Holdings and John Ulmer assured Westhaven investors that their investments were secured by real estate, when in fact some were not. The Division finds that of the 336 promissory notes sold between November 21, 2002 and June 22, 2005, 77 were not secured by real estate and 53 were not properly recorded with the appropriate county recorder’s office. In addition, 48 notes were assigned mortgages valued at less than the face amount of their note.As part of the confirmation order, the Division finds that Westhaven, Haven Holdings and John Ulmer failed to disclose to investors that:Westhaven has not been profitable for at least the past three years,New investor funds have been used to repay the principal of previous investors, Former Investment Manager Roger Morr was convicted of grand theft, a third-degree felony, in Lucas County Common Pleas Court on October 23, 2003. (Morr had sold at least $140,000 in phony, non-existent, allegedly FDIC-insured certificates of deposit to eight investors, including customers of First Federal Savings and Loan Association of Delta, Ohio. At the time, Morr was the financial institution’s branch manager.) The Division finds that Morr informed Westhaven, Haven Holdings and John Ulmer of his conviction and prison time during his job interview with Westhaven, and The $10 million life insurance policy securing payment of the outstanding balance of the notes in the event of John Ulmer’s death could not cover the approximately $26 million in outstanding notes. Westhaven, Haven Holdings, and John Ulmer, in cooperating with the Division, consented to the confirmation of the suspension order and do not admit or deny the findings against them. Legal counsel for Anthony R. Garzony and Roger A. Morr, who were also named in the Division’s suspension order, have indicated to the Division that their clients intend to consent to the confirmation of the suspension order. As a result, the confirmation or revocation hearing that was continued to December 13 and then December 14 has been cancelled. Scot F. Ulmer’s legal counsel has requested a continuance to the confirmation or revocation hearing to provide additional time to prepare for a hearing. A date for his hearing has not yet been scheduled. The November 21, 2005 suspension order against Scot Ulmer remains in effect. To see this on the Ohio Department Commerce Web site click here.
US Mortgage Reduction --- I do not recommendUse my Real Estate B.S. Artist Detection Checklist to evaluate this guru.
J.P. VaughanI almost never visit Vaughan’s Web site, Creative Real Estate Online. I think it’s a good idea and I’m glad it exists, but as a real estate investment information writer, there are several problems with my hanging around there. Mainly, I sell the sort of information that persons who contribute to CRE give away for free. Also, I frequently answer a question with, “Read my book or article on that subject.” Such answers are verboten on CRE. No free advertising. The alternative to that answer is for me to rewrite the requested info in email form. That would be time-consuming and not conducive to my paying my mortgage.
The group has published some negative comments about me, which is fine, except a couple of them have been factual in nature and inaccurate. One such comment, made by Vaughan herself, honked me off greatly. She has since apologized to me for the error. I overreacted to two early libelous statements about me at CRE. Some CRE people sent me emails saying I was making a fool of myself—that the individual who posted the message in question was a known jerk whom no one paid any attention to. Bill Mencarow, guru of Papersourceonline.com, another real estate news group (devoted to investing in and brokering notes) told me he once engaged in a lengthy debate with a news group contributor—until several people sent him emails saying the consensus was that the guy he was debating was 12.
Someone on that site impersonated me and and made it look like I made an inaccurate comment about Nothing Down author Bob Allen. I was also impersonated again in July of 2000.
I disagree with their policy of not screening comments or requiring commenters to identify themselves. Vaughan says everybody knows who everyone is, disguised names or not, on the Group I portion of the Web site. Glad to hear that, although I cannot see how it can be true of new users. Group II is the one where people have impersonated or libelled me. According to Vaughan, the Group II portion of the site was created to get all the newbies, who mainly want to know if Carleton Sheets, et al are good, away from the serious discussion. I generally do not feel welcome at the Group II section either. They tend to be followers of the gurus I criticize, so my participation there would likely deteriorate into a shouting match.
Vaughan also say that they sweep through the site daily checking the new postings for things that should not be thtere for violating the rules of the group. And they have always been good about quickly removing inaccurate comments about me or impersonations of me.
The site appears to have some useful comments from good people. But they are mixed in with impersonators, shills who are praising themselves or an associate without disclosing their connection to the guru being praised, shills who condemn competitors without disclosing that conflict of interest, “cultists” who believe certain gurus can do no wrong, and just plain dummies who do not know what they are talking about. Vaughan allows all this as free of speech. Her site reminds me of the bar scene in Star Wars: some normal people there, but a lot of weirdos and outlaws, too. It is also like a cocktail party where invitations are not necessary and many of the guests are wearing ski masks. Vaughn filed suit against one outlaw after spending $20,000 tracking him down. “Buyer beware” is an ancient legal admonition. In view of the lawless nature of Internet news groups, “Web site visitor beware” is also good advice.
A story in the 6/29/98 San Francisco Chronicle was titled “Investors Beware in Internet Chat Rooms.” It was mainly about stock-market rooms but applies to real-estate-investment news groups like Vaughan’s as well. Among the problems they listed:
contributors may be children or totally unqualified adults
contributors may have a conflict of interest, either for or against the person about whom they comment
contributors may impersonate another person
The Chronicle article described “...their value as an investment tool seems negligible—to put it politely. Chat rooms, it seems, serve mainly as group-therapy sessions for people who are in the market and nervous about it.” I would add that they also give a Cheers bar-stool-like platform to the legions of Cliff Clavens who need to try to trick people into thinking they are knowledgeable.
In July of 2000, a person posted a message at CRE Online posing as me. I got a bunch of angry emails denouncing it, but only three apologies when I explained that I had not posted it. I sent a two-sentence form email to each of the people who denounced me in emails I received. About half bounced because their email addresses were phony. I have often thought that Creative Real Estate Online was a classic example of the blind leading the blind. A more accurate description would be: Creative Real Estate Online, where the anonymous debate the fake with the phony under the watchful eye of the gullible. Vaughan tells me the Group I discussions are much better. I have only seen the Group II and those only on a few occasions.
Because of the almost total lack of quality control on the postings at Creative Real Estate Online Group II, it can be the real estate Internet equivalent of the Jerry Springer Show at times. The 2/19/01 Forbes ASAP had a pertinent comment. Jade Beetle, was a “guide” (high-ranking volunteer) at AOL and met her husband as a result. She is now part of a class action suit alleging that AOL’s thousands of “volunteers” were actually employees and should have been paid or paid more than just $19.95 worth of free AOL service per month. She says, “Most of the volunteers are emotionally starved in some way.” As far as real estate investors go, the successful ones are generally very busy and I have trouble imaging them spending much time at news groups. They would use the Net for research, but I would be surprised if they devoted much time to providing free advice.
I suspect the best use of such groups is to ask for referrals. I also found them useful for getting a big picture impression of certain real estate investment gurus. By reading a bunch of postings about a guru, you can get a general idea of the nature and quality of his services. I have been told by people I repect that there is much good advice at CRE Group I. I don’t doubt it, but the key question, especially for novices, is which of the advice is good. When someone identifies himself, you can use his or her reputation to tell if they give good advice. But with anonymous postings or handles, you really have no idea. Which takes me back to referrals. If the anonymous, as a group, refer you to the non-anonymous, you are probably better off for the referral. But taking advice from anonymous individuals strikes me as a course of action that simply cannot be recommended by definition.
[See my reflections on maintaining this Web page for my thoughts on these behavior patterns.]
On 3/9/01, a visitor to my site said I am currently on CRE online in a debate about Russ Whitney. For the record, I have not posted any message on CRE online in 2001. If there are message there purporting to be from me they are written by imposters.
I wish Vaughan and CRE well. Real estate news groups are new media that need to evaluate their strengths and weaknesses and evolve accordingly. We are still in the early stages of that evolution.
Bill VaughnI previously stated here that Mr. Vaughn does not mentor persons in his mentoring service. He sent me an email stating that he mentors about 25% of them. My incorrect impression came from his advertising, which said mentoring customers would be assigned to a “qualified professional personal advisor who is well versed in real estate investing.” I assumed that he would make sure customers knew that he was one of the mentors if in fact he was.
If I understand Vaughn correctly, he says he can provide an “unlimited” mentoring service for 5,200 clients for just $44.95 because he and his colleagues are not trying to make any money on the mentoring, some people pay then never call, and almost all are weaned within two or three months. I suspect that when you charge $44.95 rather than $2,500, mentoring customers feel less need to call repeatedly to get their money's worth. But I continue to point out that a profit-seeking mentor worth listening to ought to cost at least $100 per hour. At that rate, a mentoring service that costs only $44.95 could only make a profit if it limited customers to $44.95/$100 = .45 of an hour or 27 minutes total worth of mentoring---less if they have any overhead or expenses. He tells me they made a profit of just $2,400 in 1999.
Vaughn says his Web site has been certified as a “Safe Shopping Site” by The Public Eye, an Internet consumer watchdog group. I have never heard of that organization.
Vaughn told me, “I must admit, however, that you are pretty close to the mark on some of your reviews.”
Eugene Vollucci --- I do not recommendUse my Real Estate B.S. Artist Detection Checklist to evaluate this guru. Review of his book How to Buy and Sell Apartment Buildings
Tom Vu --- I do not recommendClaimed to be a Vietnamese boat person. Surrounded himself with bikini-clad babes in TV infomercials. I am not sure how babes relate to real estate investment. Was he implying you can afford prostitutes after you get rich using his course? Or were the babes gold diggers which you will attract because of your net worth? His approach to advertising is so sleazy I wonder why anyone asks me about this guy.
Here is an email I received about Vu:
“I wish that internet had been around ten years earlier. I bought many books and tapes from many speakers. One of them was Tom Vu’s course. After I bought the course for about $395.00, I realized that I had been had. The information was just basic that most reasonable real estate books you get from the library would have. Some of the information were worthless. I kept some old courses, but I threw Tom Vu’s course away long ago because its zero value. This web site is a valuable one that any real estate investor should read.” mnnguyen49@ hotmail.com
Click here for another longer, excellent email about Vu and real-estate gurus in general.
Michael T. Warren (1665 Territory Trail, Colorado Springs, CO) --- I do not recommendHe sent me a post card advertising his "Making Money From Bad Debts Boot Camp." I like that subject. But the post card did not state the cost, which usually means it is so high that the guru feels he has to get you into the clutches of a salesperson before he reveals it. A visitor to my site says Warren’s course is $595 with $100 off if you sign up at the promo speech.
The post card also had four testimonials. He only gave the initials, no names or cities. Providing only the initials of testimonial givers triggers item #21 in my B.S. Artist Detection checklist. I thought it was interesting that one testimonial was by a person whose initials were actually “B.S.”
Warren is one of the guys who offers to invest in your deals. That’s item # 8 in my Real Estate B.S. Artist Detection Checklist.
I have heard from at least one Warren customer, Jack Larking, who is extremely unhappy with Warren. Contact him and/or Warren for details of the dispute. There has been some information about him at papersourceonline.com, too.
There is also an email about Warren under the Stefanchik heading above.
On the first weekend in March, 2003, I got a blizzard of emails telling me that Warren had been arrested for securities fraud, theft, and racketeering (People v. Michael T. Warren, Div. 03 Case No.: 03CR0793 Colorado Fourth District). If convicted on all counts, he could get 36 years. Trial reportedly has been postponed to February or March, 2005.
Wealth Investment Network (P.O. Box 49683, Colorado Springs, CO 80949) --- I do not recommendI do not like the name of this organization. The good gurus generally do not choose such names. See my Real Estate B.S. Artist Detection Check List for a discussion of how bad gurus reveal themselves by such things as emphasizing the benefits of wealth rather than real-estate information. Their Web site entry pages are chock a block full of words and phrases that I see over and over in material put out by sleazy gurus.
Some of the articles at this site were written by guys I recommend. Many were written by guys I give a neutral recommendation to. In other words, the authors are generally not as into get-rich-quick hype as the site owners. The home page has a picture of a treasure chest overflowing with gold and jewels.
Stephen Weeks --- unknownUse my Real Estate B.S. Artist Detection Checklist to evaluate this guru.
Fred Weinkauf --- unknownUse my Real Estate B.S. Artist Detection Checklist to evaluate this guru.
David Whisnant (Atlanta, GA)Click here to read my review of his program.
Whitney, Russ --- I do not recommend --- If I had numerical ratings, I would give him a lower rating than any other guruBecause RussWhitney sued me in June of 2002, I have created a separate Web page that leads to many other Web pages I have created about Whitney. Click here to go there.
I.G. Williams a.k.a. Ione Young Gray --- I do not recommendL.A. foreclosure guru convicted on two counts of using a false social security number to obtain more than $600,000 in federally-related mortgages. Sentenced to 18 months in prison. A visitor to this site added the following: Her Bar Number was #74419; suspension date was 4-29-97. Conviction was for violation of 18 USC 1014, Felony, false Social Security number on a loan application, and for 42 USC 408 (a) (7) (b). He said she was not a saint, but that the government ’s prosecution was questionable. He did not say why. I asked him that and why she used an alias in her seminar business.
Here is an email I received:
“John, I thought you might be interested in the following. It was published in the Attorney Discipline section of this month's edition of the California Bar Journal, which is the official publication of the State Bar of California.IONE YOUNG GRAY [#74491], 54, of Los Angeles was suspended for five years, stayed, placed on four years of probation with a four-year, six-month actual suspension, and was ordered to take the MPRE. Credit towards the actual suspension will be given for an interim suspension which began April 29, 1997. The order took effect Sept. 20, 2001. Gray was convicted in 1997 of two counts of making false statements on a loan application and two counts of fraudulent use of a Social Security number, all felonies involving moral turpitude. The convictions were the result of knowingly making material false statements in documentation she submitted in support of two loan applications. She provided a false name and Social Security number and misstated her monthly earnings. While suspended for nonpayment of bar dues, Gray accepted three cases for clients. She made three court appearances, filed a complaint and motions, and requested a continuance of a trial date. She stipulated that she committed acts of moral turpitude. In mitigation, she made her loan payments on time and the bank suffered no monetary loss as a result of her actions. There was no order of restitution.
Richard Wood --- MurderedWood was a paper (seller mortgages) seminar guru. He reportedly persuaded his seminar students to give him $4 to $6 million to invest in second mortgages. Instead, he used some of it to pay phony returns to later investors. Using the principal of early investors to pay phony returns to them and later investors is called a Ponzi Scheme after Charles Ponzi, the first to receive great publicity for using the scheme. Wood reportedly put the rest of the investor’s money into his own accounts—offshore. When he avoided investors or told them unbelivable stories explaining why he could not give them their money back, they forced him into involuntary bankruptcy. He stopped making payments on his $500,000 Las Vegas mortgage and was presumably about to flee the country when he was shot dead in front of his house.
Lance Young --- UnknownProbate guy. Use my Real Estate B.S. Artist Detection Checklist to evaluate this guru.
Good luck,
John T. Reed, a.k.a. John Reed, Jack Reed, 342 Bryan Drive, Alamo, CA 94507, 925-820-6292, Email: johnreed@johntreed.com
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Chicago mortgages

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Enter a community: Price range: Anyunder $100,000$100-$200,000$200-$300,000$300-$400,000$400-$500,000$500-$600,000$600-$999,999$1,000,000+ Sale date: All2006 2005 2004 2003 2002 2001 Sales and deals Furniture Home/garden Home improvement Commercial real estateRetail, office and industrial spaceFor sale or leasethroughout ChicagoPowered by Cityfeet.comOn the WebWhite/Yellow Pages 10 best real estate books December 1, 2006. Each week I read and review at least one new real estate book. At the end of each year, it is my honor to select from these 52 books the "top 10" real estate books.It's important to put both spouses on title to house November 25, 2006. Q. Our house is owned under my living trust name. If I survive my husband, will the basis for the house be stepped up to market value as of the date of his death? Should I add my husband's living trust to the deed?Holiday home buying and selling has its advantages November 24, 2006. If you are a serious home buyer, the best time of the year to buy is between Thanksgiving Day and New Year's Day, even extending through Super Bowl Sunday in many cities.Seller financing a draw to buyers November 17, 2006. In today's buyer's market, some anxious sellers are offering sales incentives.Home-sale tax exemption may require longer stay November 11, 2006. Q. If my partner and I sell our jointly owned home, will we owe capital gains tax if we sell before owning it for two years?Slowest season for sellers can be a great time to buy November 10, 2006. During the slow home sales season between Thanksgiving and New Year's Day, few people think of buying a house or condominium.When sellers change mind, penalty can be costly November 3, 2006. A few weeks ago, I received an unsolicited cash offer to sell my second-home condominium, which I have owned about 15 years.The clock is ticking for year-end tax moves October 27, 2006. As the end of 2006 rapidly approaches, there is still time to plan your year-end tax savings.Tax-free advantages of becoming serial home buyer October 20, 2006. Do you have any friends who sell their homes and move about every two years?Shopping around could save on home insurance costs October 13, 2006. If you are a homeowner or real estate investor who would like to save money, a good place to start is with your insurance coverage.Even in buyer's market, only fools rush purchase October 6, 2006. In most cities, it's a very strong buyer's market for homes.5 reasons why it's a good time to to be a home buyer September 29, 2006. October may be one of the best months in many years to be a buyer, as there are more homes for sale than there are qualified buyers.Ignoring disclosure rules on lead paint can be costly September 22, 2006. If you are involved with selling or leasing a residential property built before 1978, chances are 9 in 10 the property contains lead-based paint, which can be potentially dangerous to residents unless the paint is in good condition.5 steps to selling a home in today's buyer's market September 15, 2006. Just in case you haven't been paying attention, most cities are now a "buyer's market" for home sales.PMI can help cash-strapped home buyers--but at a price September 8, 2006. It's almost impossible to listen to the radio or read a newspaper without encountering an ad for low- or no-down-payment home loans.Damage stemming from neighbor's tree March 21, 2004. Q. My neighbor has a "monster tree," which has a trunk at least a yard wide.
Copyright © 2006, Chicago Tribune
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Investor Mortgages, Florida

2006-12-05T18:43:00.000-08:00

Residential Mortgage Home Loans
Welcome to Allstate Mortgage & Loans Corporate website. We very much look forward to the opportunity to assist you with your home financing needs. Presently, we originate residential mortgage loans within the states of Florida, Georgia and Alabama, and assist home buyers and home owners just like you with a wide range of purchase and refinancing options. We offer fast turn around times with expedited closings and, in many instances, we can close at your work or home.
Overview of the Programs We Offer:
FHA Mortgage Programs
VA Mortgage Programs
Fixed Rate Mortgage Programs
Sub-Prime Mortgage Programs
Jumbo and Super Jumbo Mortgage Programs
Specialized Financing - Stated, No Doc and Nina Mortgage Programs
With loan officers located throughout the TRI-State area, and some of the industries most competitive interest rates, we invite you to contact us toll free at 1-866-867-6400 or simply complete our Quick Inquiry form to have one of our professional Home Lending Specialists call you at a time that is convenient to you.
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FHA Home Loans
Allstate Mortgage & Loan Corp. is a HUD approved Florida Georgia and Alabama mortgage lender. The FHA home loan provides easier access to low rate mortgage programs designed for low to moderate income families. If you are a first time home buyer, have little savings, or have credit dings, our FHA mortgage program may best meet your needs more so than the typical conventional home loan programs.
The FHA Product Line Offers:
30 Year Fixed Rate Mortgage
15 Year Fixed Rate Loans
1 Year ARM Program
Streamline Refinancing
Facts that make the FHA Loan ideal for the average home buyer:
The Program is credit driven rather than based upon a credit score.
High Approval Flexibility for Credit Dings.
No credit history is required to be eligible for a home loan.
College acts as your job history for those new to the work force.
You can finance these residential property types: Single Family Homes, Duplex, Townhouse, Condo's and Manufactured Homes with land.
Works easily with Grants and Charities that assist home buyers with Down Payment money.
Typically up to 6% in seller concessions are allowed.
Everyone is eligible with no income restrictions.
Interest Rates are typically lower than comparable conventional rates.
Absolutely no prepayment penalties are allowed.
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VA Mortgage Program
VA Home Loans are very much like the FHA Mortgage Program. The VA Mortgage Program uses existing eligible income and credit, rather than credit score. You must be a DD-214 eligible VA Veteran and provide a copy of your existing VA certificate of eligibility. If you've already used your eligibility, you can restore it or have some remaining for an additional VA Loan.
Our Georgia, Alabama and Florida VA Loan Program Offers The Following Loan options:
30 Fixed Rate Home Loan
15 Year Fixed Rate Home Loan
1 Year Adjustable Rate Mortgage
Streamline Refinancing
Facts that make the VA Home Mortgage ideal for eligible Veterans:
100% financing.
Loan Limits are comparable to conventional programs.
Low interest rates.
Offers both fixed and adjustable rate mortgages
Easy streamline refinancing with no income documentation requirements.
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Conventional Home Loans
Looking for a regular old Conventional Mortgage? Well, we offer that to. A conventional home loan is based upon underwriting and loan limit standards as established by Fannie Mae and Freddie Mac. These programs offer the full range of financing from 30 Year Fixed Rates to Adjustable Rate Mortgages all the way to specialty programs such as State Income Home Loans and No Documentation Mortgages.
These programs are designed with Seasoned Home Buyers and Home Owners with good to excellent credit in mind. First time home buyers may have a more challenging process because of a lack of home ownership history. We do offer a conventional mortgage program designed for First Time Home Buyers with easier credit qualifying and down payment standards. This emerging markets program is a Freddie/Fannie product designed to compete with the FHA Home Loan and offer up to 103% financing. As with all conventional mortgage programs, this loan is credit score driven and credit quality driven.
Our Conventional Residential Home Loan Products Include:
30 Year Fixed Rate Loan
20 Year Fixed Rate Loan
15 & 10 Year Fixed Rate Loan
Interest Only Programs
1/1, 3/1, 5/1, 7/1 and 10/1 Adjustable Rate Mortgage
Up to 103% Financing
Construction Perm Financing
Stated Income Mortgage
No Income No Asset (NINA)
No Ratio Loan Programs
No Documentation (No Doc) Mortgage Loan
90% Non-Owner Occupied Residential Loan
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Bad Credit Home Loans
If you have challenged credit and find yourself unable to qualify for our low interest rate FHA Mortgage program, Allstate Mortgage & Loan Corporation offers a wide range of Sub-Prime mortgage programs to assist home buyers. Our product range can help home buyers with credit scores starting with a mid-FICO® score of 500 and provides up to 100% financing.
The Range of Products Offered Under Our Sub-Prime Mortgage Program:
30 Year Fixed Mortgage
20 Year Fixed Mortgage
10 & 15 Year Fixed Mortgage
2/2/8 ARM Mortgage
3/2/7 ARM Mortgage
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Jumbo Mortgage Loans
Allstate Mortgage & Loan Corporation offers Alabama, Georgia and Florida residential Jumbo and Super Jumbo mortgage loan products for qualified high income home buyers. These programs cover the full range of options from Stated Income, No Documentation, NINA and Full Documentation mortgage loan programs for loan amounts up to $5M with very competitive rates and terms.
Home Buyer and Refinance Products Include:
30 Year Fixed Rate Jumbo Mortgages
20 Year Fixed Rate Jumbo Mortgages
15 & 10 Year Fixed Rate Jumbo Mortgage
Interest Only Programs
State Income Jumbo Mortgage
No Income No Asset Jumbo Mortgage
No Ratio Jumbo Mortgage
No Documentation (No Doc) Jumbo Mortgage
Adjustable Rate Jumbo Mortgage:
1/1, 3/1, 5/1 and 7/1 ARM Products

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Non-Conforming Mortgage Programs
Non Conforming loans are mortgage programs with guidelines outside of those established by traditional conventional financing. They off the full range of financing options and expand beyond traditional mortgage products offered using conventional Fannie/Freddie underwriting guidelines. From a more flexible qualifying credit score requirement to wider financing options including loan amounts which exceed conventional mortgage restrictions. Underwriting for these mortgage programs include both Automated and Manual underwriting.
Mortgage Programs Include:
40 Year Fixed Rate Mortgages
30 Year Fixed Mortgages
20/15/10 Year Fixed Mortgages
6 Month, 1/1, 1/6, 3/1, 3/6, 5/1, 5/6, 7/1, 7/6, 10/1, 10/6, 5/2/5, 2/2/6
True No Documentation - No Doc Loan
Stated Income Loans
No Ratio Mortgage
No Income No Asset (NINA) Mortgage
80/20 Combination Mortgage
80/15 Piggie Backs
80/10/5 Piggie Backs
Up To 106% Financing
Up To 100% Non Owner Occupied Programs
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Adjustable Rate Mortgage Loans
Many home buyers and Home Owners like the adjustable rate mortgage for its lower starting interest rates, flexible terms and with some programs, the ability to pick your own payment. Rates typically start between 1% to 2% below conventional 30 year fixed rate mortgage rates. All adjustable interest rates are tied to an index which determines present and future rates the borrower pays. Every program has an life time cap on how high the interest can go. Caps very by program offering and the same 5/1 program can have multiple interest rate caps.
Many programs offer the financing options many fixed rate loans have to include:
Stated Income Programs
NINA - No Income No Assets Programs
No Documentation - No Doc Programs
No Ratio Programs
Non Owner Occupied Programs
Traditional ARM Programs
Credit Challenged ARM Programs
Because of the Low Start Rate, most require a prepayment period equal to the fixed period of the loan
Adjustable Rate Mortgage Terms Include:
6 Month - Fixed First 6 Months, adjusts every 6 months
1/1 - 1 Year Fixed, adjusting once a year
1/6 - 1 Year Fixed, adjusting every 6 months
2/2/6 - 2 Years Fixed, adjusting twice a year with a maximum increase of 6% over the life of the loan
2/2/8 - 2 Years Fixed, adjusting twice a year with a maximum increase of 8% over the life of the loan
3/2/7 - 3 Years Fixed, adjusting twice a year with a maximum increase of 7% over the life of the loan
3/1 - 3 Years Fixed, adjusting once a year
3/6 - 3 Years Fixed, adjusting every 6 months
5/2/5 - 5 Years Fixed, adjusting twice a year with a maximum increase of 5% over the life of the loan
5/1 - 5 Years Fixed, adjusting once a year
5/6 - 5 Years Fixed, adjusting every 6 months
7/1 - 7 Years Fixed, adjusting once a year
7/6 - 7 Years Fixed, adjusting every 6 months
10/1 - 10 Years Fixed, adjusting once a year
10/6 - 10 Years Fixed, adjusting every 6 months
Pick A Payment - Start Rate 1% to 4.25%, Negative Amortization, adjustments begin immediately and occur monthly
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Home Equity Lines
As property values escalate, home buyers who took advantage of lower interest rates might not want to refinance in order to make improvements to their home, consolidate debts or simply use the equity built up in their home. Allstate Mortgage & Loan Corporation offers home equity lines at great rates up to $1 Million. Financing options include Traditional Full Documentation and Stated Income Documentation Types.
HELOC Product Options
Loan Amounts to $1 Million
Interest Only Options
Fixed & Adjustable Rate Terms
5 Year Loan
7 Year Loan
10, 15, 20 & 25 Year Loans
30/5 Year Loan
30/10 Year Term
30/15 Year Loan
State Income Option
Up to 100% Stated Income Interest Only Purchase Terms
No Prepayment Penalties on Most Products
Non-Owner Occupied Financing Options
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2nd Mortgage Programs
Our second mortgage program is designed to allow home buyers to utilize equity within their home to pay off debt, make home improvements, purchase a vehicle, pay for college tuition or simply cash out. Our program offers both fixed and adjustable rates and up to 30 year terms. In many instances, no appraisal is needed and offer up to 125% CLTV (Combined Loan To Value).
Typical 2nd Mortgage Program Terms:
Stated Income Programs
Alternative Documentation Programs
Non-Owner Occupied
Second Homes
30 Year Repayment
20 Year Repayment
15 Year Repayment
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Mobile Home Loans
Today's home buyer knows that the cost of buying the conventional residence has escalated in many areas to the point that a new manufactured home may be a better option. Today's mobile home standards exceed the building and safety requirements of the standard "Brick and Mortar" home while offering far more amenities, square feet and options compared to traditional residential homes based upon a cost analysis. We offer highly competitive rates and financing terms typically equal to those offered for conventional residential home loans with up to 97% financing, typically allow down payment assistance and up to 6% seller concessions.
Product Types Offered For Manufactured Home Loans:
30 Year Fixed Rate Mortgage
15 Year Fixed Rate Home Loan
1/1 Adjustable Rate Mortgage
Benefits of Doing Business With Allstate Mortgage & Loan Corporation:
Interest rates typically comparable to conventional rates.
Up to 6% seller concessions are allowed.
The home must be tied to the land.
Up to 97% financing.
Down Payment Programs can be used.
Credit dings are typically over looked.
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Reverse Mortgages
Home owners who are 62 years or older and maintain a small mortgage balance or have paid off their home are eligible to participate in the HUD reverse mortgage program. The Reverse Mortgage is designed to supplement retirement income and allow older home owners to utilize equity to better enjoy retirement.
No repayment is required as long as the owner resides in the property nor are there asset or income limitations to the borrow. The older you are, the higher the percentage of your home's value you can borrow against. Give us a call to find out more!
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Refinance Loans
Is your monthly mortgage payment taking to big a bite out of your monthly budget? Maybe you have an adjustable rate mortgage you want to move into a fixed rate loan before rates escalate. Was your first home financed under a subprime program and now you're ready to try for a low rate FHA Mortgage? Maybe you want to cash out, but maintain your current terms so you can still meet you home payoff goals. Whatever your reason, we offer highly competitive rates and terms across hundreds of programs that will meet your financing needs.
Refinance Home Loan Options Include:
FHA Streamline Mortgage
VA Streamline Home Loan
40 Year Fixed Rate Mortgages
30 Year Fixed Mortgages
20/15/10 Year Fixed Mortgages
6 Month, 1/1, 1/6, 3/1, 3/6, 5/1, 5/6, 7/1, 7/6, 10/1, 10/6, 5/2/5, 2/2/6
True No Documentation - No Doc Loan
Stated Income Loans
No Ratio Mortgage
No Income No Asset (NINA) Mortgage
80/20 Combination Mortgage
80/15 Piggie Backs
80/10/5 Piggie Backs
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Stated Income Mortgage
Whether purchasing or refinancing your home or investment property, we offer highly competitive rates on programs for self employed or 1099 borrowers. We also offer stated income programs for W-2 clients who are simply unable to show all of their income. The stated income loan allows borrowers to state income without documenting sources. This programs is available in our Conforming Conventional Loan, Non-Conforming Mortgage Programs, 2nd Mortgage Programs, Home Equity Programs, Jumbo Mortgages, Sub-Prime Programs and is offered in both our Fixed Rate Mortgage and our Adjustable Rate Mortgage Products.
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No Ratio Home Loans
Our No Ratio Mortgage Program allows home buyers, refinance clients and real estate investors to achieve a competitive interest rate without disclosing income. This program is ideal for the self employed and investor whose net after tax income is below what is normally considered acceptable, but can show significant assets to support adequate income to meet financial due diligence.
This program is available in our Conventional Mortgage, Non-Conforming Product Range, Investor Programs and Jumbo Home Loans. This product is available with both Fixed and Adjustable Rate terms.
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No Income No Asset Mortgage
Our NINA Program is ideal for the self employed and real estate investor whose net after tax income is below what would be considered acceptable and whose available liquid assets are inadequate due to the type of business or real estate holdings funds are tied into. This program is available for purchase and refinance mortgage loans.
This program has limited availability in our Conventional Home Loan Portfolio, the Non Conforming Mortgage Offerings and the Jumbo Mortgage Programs. The NINA Program is offered with both Fixed and limited ARM Terms.
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No Documentation Home Loans
The No Documentation Mortgage Loan is designed for high credit score home buyers who wish to simplify the loan application process. No employment, income, assets or liabilities are factored into the loan decision. With the No Doc loan, only the home buyer or home owners credit is factored into the decision. This program is available with up to 95% financing and is available for both Purchase and Refinance in addition to being available for real estate investors with sufficient equity or down payment.
The No Documentation Loan is available in our Conventional and Non Conforming Mortgage Product Lines with both Fixed rate and Adjustable Rate products being available for this program.
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Non-Owner Occupied Loans
We offer a wide range of residential real estate investment term and options for the savvy investor. From the full spectrum of adjustable and fixed rate mortgages to Full Documentation, No documentation, NINA, No Ratio, and State Income mortgage products. These products include financing options from our 100% full documentation program to 80/10 and 75/15 piggie back programs. With such a wide range of options, we'd love the opportunity to asses your situation and to identify how we can best meet your real estate investment needs.
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About Us
Allstate Mortgage & Loan Corporation opened its doors in March of 1996 with the belief that our customers deserve the best rates and options available to meet their individual life style. We accomplish our client goals through continuous industry training which provides knowledgeable and experienced loan officers who deliver the best products and programs tailored around you.
Since that time the mortgage industry has matured, and we believe, followed our lead. We continue to offer our clients the best service and lending options tailored to fit where you are financially in your life; providing not just a mortgage loan, but a home loan that helps you, our clients, achieve your long term financial dreams.
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Where We Lend
Allstate Mortgage & Loan Corporation originates home loans in the states of Florida, Georgia and Alabama. We presently have loan representative located throughout most of these communities who are available to assist prospective home buyers and refinance clients meet their mortgage needs.
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First Time Home Buyers
If you're a first time homebuyer, one of the most difficult obstacles to overcome is the fact you have no "mortgage" history with which a lender can review to make a sound decision. In these situations, length of employment - job stability - income to debt ratios and past credit history become highly pronounced in the conventional residential home lending market.
We offer several low rate alternatives which help you to achieve your dream of buying a home at highly competitive rates. The most effective residential mortgage is the FHA Loan. This program allows credit dings and typically bellow market rates for comparable conventional programs. Eligible Veterans will find the same benefits and 100% financing with the VA Mortgage Program. Finally, we offer a conventional mortgage for first time home buyers as well that offer competitive rates, in some instances credit dings and up to 103% financing which allows an eligible borrower to finance some of the costs to close.
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Down Payment Assistance
Depending upon your credit, job history and rental history, some buyers will simply need to have some form of down payment to "invest" in the prospective home purchase. We work with with a wide range of assistance programs throughout the states of Florida, Georgia and Alabama to assist qualified home buyers with any additional necessary down payment and closing cost money needed to close on their first home purchase.
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Property Taxes
The property tax you pay can play a huge role in the amount of home you can actually afford to purchase. On average, property taxes on a residential home purchase make up 15% of a home buyers monthly mortgage payment when included in the PITI factor for qualifying. We highly recommend that our customers review the property taxes on any home with one of our associates prior to contracting. To help you, we've provided links to your county property tax authorities for the state of Florida:
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Allstate Mortgage & Loan Corp:: Florida, Georgia, Alabama
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2006-12-05T18:40:00.000-08:00

How Your Credit Score is Calculated
by Janet Wickell
Understanding Your FICO Score and How it Affects Home BuyingHome buyers who are seeking a mortgage find out early-on that their credit score plays an important part in the home buying process and in determining the interest rate that a lender offers.
What is a credit score?
A credit score is a number that lenders use to estimate risk. Experience has shown them that borrowers with higher credit scores are less likely to default on a loan.
How are credit scores calculated?
Credit scores are generated by plugging the data from your credit report into software that analyzes it and cranks out a number. The three major credit reporting agencies don't necessarily use the same scoring software, so don't be surprised if you discover that the credit scores they generate for you are different.
Why are credit scores sometimes called FICO scores?
The software used to calculate a great number of credit scores was created by Fair Isaac Corporation--FICO.
Which parts of a credit history are most important?
The pie chart above right shows a breakdown of the approximate value that each aspect of your credit report adds to a credit score calculation.
zSB(3,3)
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35% - Your Payment History30% - Amounts You Owe15% - Length of Your Credit History10% - Types of Credit Used10% - New Credit
Your Payment History Includes:
Number of accounts paid as agreed
Negative public records or collections
Delinquent accounts:
total number of past due items
how long you've been past due
how long it's been since you had a past due payment
What You Owe:
How much you owe on accounts and the types of accounts with balances
How much of your revolving credit lines you've used--looking for indications you are over-extended
Amounts you owe on installment loan accounts vs. their original balances--to make sure you are you paying them down consistently
Number of zero balance accounts
Length of Credit History:
Total length of time tracked by your credit report
Length of time since accounts were opened
Time that's passed since the last activity
The longer your (good) history, the better your scores
Types of Credit:
Total number of accounts and types of accounts (installment, revolving, mortgage, etc.)
A mixture of account types usually generates better scores than reports with only numerous revolving accounts (credit cards)
Your New Credit:
Number of accounts you've recently opened and the proportion of new accounts to total accounts
Number of recent credit inquiries
The time that's passed since recent inquiries or newly-opened accounts
If you've re-established a positive credit history after encountering payment problems
In general, checking to make sure you aren't attempting to open numerous new accounts
Credit scoring software only considers items on your credit report. Lenders typically look at other factors that aren't included in the report, such as income, employment history and the type of credit you are seeking.
What's a Good Credit Score?
Credit scores (usually) range from 340 to 850. The higher your score, the less risk a lender believes you will be. As your score climbs, the interest rate you are offered will probably decline.
Borrowers with a credit score over 700 are typically offered more financing options and better interest rates, but don't be discouraged if your scores are lower, because there's a mortgage product for nearly everyone.
Here's an look at credit scores among the US population in 2003:
Up to 499: 1%500 - 549: 5%550 - 599: 7%600 - 649: 11%650 - 699: 16%700 - 749: 20%750 - 799: 29%Over 800: 11%
Multiple Credit Scores
Your bank will pull credit reports and scores from all three major credit reporting agencies: Transunion, Equifax and Experian. They'll probably use the middle score to work your loan application. Ask your lender to explain which credit scores will be used and how they affect your loan application.

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Bump up your credit score in a hurry (Page 1 of 3)
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VALUE OF A DOLLAR IS SHRINKING

2006-12-03T09:07:00.000-08:00

VALUE OF A 1913 DOLLAR
Year Amount it took to
equal $1 in 1913
1913 $1.00
1920 2.02
1925 1.77
1930 1.69
1935 1.38
1940 1.41
1945 $1.82
1950 2.43
1955 2.71
1960 2.99
1965 3.18
1970 3.92
1975 $5.43
1980 8.32
1985 10.87
1990 13.20
1995 15.39
2000 17.39
2001 $17.89
2002 18.17
2003 18.59
2004 19.08
2005 19.73
2006 20.18

Understanding What a Dollar Really Is
One of the many lessons traders learn is to greatly limit their information flow, which is especially tough in today's environment of information overload. Ironically, those who are just starting out in trading often do better than seasoned pros precisely because they don't take in lots of information that leads to fear and uncertainty, which leads to making exactly the wrong trades. But there are a few exceptions, and one of them for me is David Nichols and his daily Fractal Market Report.

Here's a discussion of inflation and the dollar from yesterday's report that I think is pretty much on the money. The bottom line is that regardless of what you believe about the propriety of the matter, the dollar is a financial instrument that fluctuates in value relative to other assets and financial instruments. Understanding that is essential for making the correct long term moves.

Here's the article, reprinted with permission...

My discussion of inflation vs. deflation sparked some questions, so I want to continue on this topic. The reason this is so important is the fluctuation in the dollar is almost never factored into most people's thinking about financial markets.

I'm just going to ramble on a bit on these ideas, as I want to get this down quickly. I'm not going to document each point I make, or show charts on everything, as that would be a big job, and I'm just writing this after the close today. I'd rather just quickly make a few points, and let this be the starting point for your own independent rumination and study. You definitely do not have to take my word on any of this.

In a deflationary environment, the dollar becomes strong, as demand for dollars grows as assets come down in value. People want to get their hands on cash, as cash buyers are a scarce commodity, and those with cash are just as likely to wait on a purchase, as the asset they're considering is losing value with each passing day in this deflationary environment. In a deflation, dollars goes up in value as just about everything else sinks.

The Fed is scared of deflation, as they have limited policy tools to combat it. This is also why the Fed targets an inflation rate of 2% to 3% per year -- so there's always room to take interest rates below the level of inflation to stimulate spending and not saving (In deflation people become savers of cash, as it's going up in value in relative terms with each passing day). If inflation is in the Fed's target zone, they have the power to take interest rates into negative territory in real terms, in an attempt to spur spending and speed up the velocity of money moving through the economy.

One thing we know for sure is the Fed -- and Chairman Bernanke -- are avowed deflation-phobes. Inflation is their stated policy objective. They want it to continue.

But the problem is this: systematic inflation also systematically destroys the purchasing power of the dollar.

Let's look again at the monthly chart of the dollar.

It's no coincidence that during the Fed's most recent "reflation" campaign the dollar has lost almost 30% of its value -- and that is just relative to other currencies, which are also being systematically devalued by their central banks.

During this reflationary period -- starting in 2001, during the bear market -- gold has gone from $250 an ounce to a current $624. This also means that gold is doing much, much better relative to the declining dollar than other currencies, as it's gone up 136%, and other currencies -- most notably the Euro -- have only appreciated 50% against the dollar (A 30% decline in the dollar is equivalent to a 50% rise in the other currency).

But gold has gone up 136%, so it's apparent that gold has a lot of "gearing" to a declining dollar. Because of its scarcity, increased demand for gold causes big price moves, as lots of dollars chase relatively small amounts of gold.

Okay then..... let's get down to what the Fed's inflationary policies mean for you and me. I think it's fair to assume the Fed will keep on systematically destroying the value of a dollar. Already the dollar has lost 92% of its purchasing power since the Fed started in 1913. Remarkably, until the Fed came along, the value of a dollar had pretty much stayed the same throughout the 1800s. The inherent inflation we all assume is "part of the system" didn't exist at all until the Fed was created in 1913.

So we have to assume that the Fed's actual policy objective is to create inflation, and to systematically lower the value of the dollar over time. It's hard to argue with their track record.

We also know that debt levels in the US are now at record highs. We're swimming in consumer and government debt, not to mention the untold trillions in unfunded pension and healthcare liabilities that we've accrued and continue to accrue.

There is absolutely no way we can pay back any of this debt in today's dollars. It's simply not going to happen. Even if we all gave 90% of our income to pay down the national debt, we couldn't do it, because we spend so much. The only way to deal with this debt is to make tomorrow's dollars -- the ones we'll theoretically use to pay back today's debts -- worth a lot less.

This is also why personally I'm not too concerned about a "housing bubble", even though there is no end to the hand-wringing these days. That's because owning a house -- even with a big mortgage on it -- will always be the single best way to hedge against the systematic devaluation of the dollar.

It's actually a very simple concept to understand. Real estate goes up in value as the dollar goes down. Obviously there are other factors, most notably speculation and demographic trends, but the main reason real estate has ramped up so quickly since 2002 has been the plunging dollar.

Let's use the San Diego housing market to take a closer look at this.

In August 2001 -- right as the dollar was topping -- the San Diego Home Price Index was at 127. Right now it's at 247, so it's gone up 94% over the last 5+ years. But just to stay even with the decline in the dollar over this period -- and this is against other declining currencies, mind you -- explains about half of this gain. I think the scarcity value of real estate vs. currencies explains the rest of the gains, and this is why real estate is such a great hedge against the Fed's policies.

It's also worth noting that since the dollar index bottomed out at $81 in December 2004, housing markets have mostly gone sideways. To me all of this does not seem like such a big deal. Only in a true deflationary environment will housing markets be in serious trouble.

If the dollar starts going down again -- and I think it will, because that's what the Fed wants -- then real estate will start going right back up. But again this price appreciation will mostly be an illusion. Housing values will again go up in some proportion to how much the dollar goes down. Owning a house is always going to be the best way to maintain relative purchasing power in the US economy.

This is why I also purposely took out a big loan back in 2003, when I bought in San Diego County. I also did a much-maligned interest-only loan to boot. I just can't see the point of spending even one dollar of today's currency to pay down dollars that are due in 30 years. It doesn't make any sense.

Maybe I learned from my mom and dad's experience with our family house in La Jolla California. In 1967 they paid $54,000 for 3/4 of an acre in the "Old Muirlands," one of the most desirable neighborhoods in San Diego. 30 years later the land alone was worth well over $1 million, and now it's probably worth $2.5 million or more. It was completely insignificant to their overall financial situation in 1997 whether they owed $45,000 on the house, or owned it free and clear.

I think the amount that comes due on my house in 30 years will be a laughably small amount in 2033 dollars. (I took the mortgage in 2003). If anything, inflationary trends like this tend to accelerate. Most of the damage to the dollar has occurred since 1987, when Alan Greenspan took over. I think the next 27 years will see this trend accelerate, beyond anything we can dream of today.

I read lots of commentary from perma-bears about how the US economy is about to be destroyed by all of the refinancing and home equity loans taken out over the last 5 years. But I don’t get their logic. In an inflationary environment such behavior is rational. It makes sense to borrow today's dollars and pay back tomorrow's dollars.

If the dollar continues to go down, then everything else is going to go up. That includes equity markets too. It's a very real possibility that the Dow could hit 25,000 and actually be trading at a lower P/E ratio than it is today, and be worth less in real terms than it is now at 12,250. It's all relative.

This is also how gold and other commodities can skyrocket in value over the next 5, 10, or even 15 years. To gain any sort of relative wealth in an inflationary environment --where the dollar is losing vast amounts of purchasing power -- you have to hedge your dollar-denominated assets with something much scarcer than dollars. Gold and silver are natural choices.

Alright, I'm running out of steam, and it's time to send this out. I'm sure this is going to be controversial. But I think it's still early days on all of this, and having a strategy to deal with inflation and the dollar is pretty darn important. Hopefully this will stimulate some thought, at the very least.
http://www.uncsense.com/root/2006/11/understanding_w.html
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The Fed's New Conundrum: Slowing Housing
in Federal Reserve | Inflation | Investing | Markets | Real Estate
Yesterday' 1/4 point rate hike was no surprise . . . but the thought processes behind it may be. Consider the conundrum left to Ben Bernanke by his predecessor, Alan Greenspan.

Post market crash, recession, 9/11, and Iraq War, this was a flatlined economy. Anytime a major market takes a 78% whackage, huge swaths of capital gets destroyed. The Fed's response to this was to slash interest rates to half century lows.

The initial results of this were somewhat predictable: the Housing sector accelerated and the global economy reflated. Back in December 2002 I mentioned that investors might want to watch gold due to the inflationary potential of these ultra-low rates. (Not quite the table pounding of last year, but quite timely).

At the same time, China began building out its infrastructure in anticipation of its Olympic hosting duties. Concurrent to this was the enromosu boom in direct China investment by Western companies, all seeking to dramatically

FSBO By Owner, Finding

2006-12-03T06:39:00.000-08:00

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FOR SALE BY OWNER HOME SALE SOFTWARE: Standard LegalFOR SALE BY OWNER "FSBO" HOME SALE LEGAL FORMS SOFTWARE ... log on to our attorney referral site and find a qualified attorney to help you with your case. ...
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For Sale By Owner Homes | FSBO Homes and HousesHome buyers will find that most FSBO homes are priced lower than market value. The owner saves the real estate agent's commission and passes some of the ...
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Real Estate Investing Software

2006-12-03T06:37:00.000-08:00

Real Estate Investment Software - Rental Property AnalysisReal Estate Investment Software - CPA Designed real estate software for rental property cash flow & ROI analysis, and investor decision making assistance.
www.rentalsoftware.com/ - 42k - Cached - Similar pages

Real Estate Investment and Development SoftwareReal estate investment software for commercial and residential income property. Real estate development software for commercial, subdivision and condominium ...
www.realdata.com/ - 15k - Cached - Similar pages

Real Estate Software, Real Estate Investment Software, Real Estate ...Real Estate Software by Advantage Software LLC - Real estate investment software for the analysis of commercial and residential income properties.
www.invest-2win.com/ - 72k - Cached - Similar pages

Real Estate Investment Analysis Software by Real Estate ...Real estate investment analysis software and market intelligence for real estate investors. Know the return on your investment before you invest - use the ...
www.realestateinformatics.com/ - 27k - Cached - Similar pages

FSBO Leads for REALTORSReal Estate Agents; have customers clamoring to list with you. Turn cold prospects into hot ... Your Own Automated Real Estate Web Blog. Attract New Leads ...
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Real Estate Investment Software - AnalyzeToWin Real Estate SoftwareReal Estate software for residential or commercial income properties, vacation homes, or private residences. Detailed IRR and cash flow reporting.
www.analyzetowin.com/ - 16k - Cached - Similar pages

Foreclosure Real Estate Investment Software - Shark BaitForeclosure Real Estate Investment Software. Shark Bait analyzes foreclosure data and seeks out potential equity and profit. Propvest Financial Investment ...
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Real Estate Investment Software, Commercial Real Estate Software ...real estate software, real estate investment software, commercial real estate software, real estate valuation software, income property software, ...
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Tucows Downloads - Real Estate Investment Analysis Software 99K7k ...Real Estate Investment Analysis Software 99K7k, This real estate investment software suite includes five tools. Downloads and software from Tucows the ...
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Landlord Software: US and Canada Real Estate InvestingLandlord software for US and Canada real estate investing and property management. ... Real Estate Investment Software · Real Estate Directory ...
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Real Estate Investment Club

2006-12-03T06:35:00.000-08:00

Real Estate Investment Information - Investing Articles, Tips - Dec 2Real Estate Investing Information - Training, Advice, Tips.
www.reiclub.com/ - 30k - Cached - Similar pages

Real Estate Investment ClubsState by state listing of real estate investing clubs.
www.reiclub.com/real-estate-clubs.php - 16k - Cached - Similar pages

Real Estate Investment Clubs | Local ResourcesLocal real estate investment clubs: A state-by-state listing for networking, mentors, support, training, and motivation to create income, cash flow, ...
www.creonline.com/clubs.htm - 22k - Cached - Similar pages

Real Estate Investment Clubs | Networking & ResourcesReal estate investment clubs provide tremendous resources and networking opportunities for beginning and experienced investors.
www.creonline.com/real-estate-clubs/index.html - 21k - Cached - Similar pages

Real estate investment clubsCame across this interesting article over on MSN's Money site on a topic I'd been meaning to discuss: the boom in real estate investment clubs -- which have ...
www.businessweek.com/the_thread/hotproperty/archives/2005/08/real_estate_inv.html - 49k - Cached - Similar pages

Real Estate Investment Club Directory | Find Local Real Estate ClubsFind a local real estate investment club by state in our directory!
www.biggerpockets.com/real-estate-investment-clubs.html - 23k - Cached - Similar pages

Real Estate Investors Club, Los Angeles, California, LAReal Estate Investors Club, Los Angeles, California, LA.
www.realestateclubla.com/ - 42k - Cached - Similar pages

Real estate investment clubs thriving - America's Housing Craze ...With the giddy days of the high-tech investment bubble a fading memory, America’s housing boom is providing investors with a tempting new chance to grab a ...
www.msnbc.msn.com/id/8391749/ - 48k - 1 Dec 2006 - Cached - Similar pages

boca real estate investment club bric"The purpose of the Boca Real Estate Investment Club is to educate, motivate, syndicate and provide an active network for Real Estate Investors and ...
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Investment Clubs DirectoryAn investment clubs directory of real estate investment, stock investment, and other specific investment clubs around the nation.
www.investments-guide.com/investment-clubs-directory.html - 25k -

Real Estate Investing News Letters

2006-12-03T06:33:00.000-08:00

Real Estate Investing Information, Articles, and AdviceOffers tips, articles, legal forms, online catalog, forum and chat room.
www.creonline.com/ - 19k - Cached - Similar pages

Real Estate Investment Information - Investing Articles, TipsReal Estate Investing Information - Training, Advice, Tips.
www.reiclub.com/ - 30k - Cached - Similar pages

Landlord Software: US and Canada Real Estate InvestingOffers software to analyze real estate investments and rental property cash flow, profitability, and rate of return. Based in Stone Mountain, Georgia.
www.landlordsoftware.com/ - 39k - Cached - Similar pages

Real Estate Investing - Real Estate Investing InformationReal Estate Investing - investing in real estate course, and becoming a real estate investor, can earn you huge profits. You can make big money, ...
www.cashinhouses.com/ - 97k - Cached - Similar pages

Marcus & Millichap Real Estate Investment Brokerage CompanyMarcus & Millichap is the largest national brokerage firm specializing in real estate investments with over 900 investment professionals in markets ...
www.marcusmillichap.com/ - 16k - Cached - Similar pages

Real Estate Software, Real Estate Investment Software, Real Estate ...Commercial and residential income property analysis software for the real estate investor and the real estate professional.
www.invest-2win.com/ - 72k - Cached - Similar pages

What's Wrong With Multi-Level Marketing?Provides an in-depth analysis of MLM and areas to be avoided. Includes links to anti-MLM research and information.
www.vandruff.com/mlm.html - 54k - Cached - Similar pages

Metroactive News & Issues | Multilevel MarketingOnline article by Ami Shen Lee exposes the pitfalls of multilevel marketing.
www.metroactive.com/papers/metro/10.03.96/cover/multilevel-9640.html - 43k - Cached - Similar pages

WordPress › Free Blog Tool and Weblog PlatformA semantic personal publishing platform with a focus on aesthetics, web standards, and usability.
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Blogger: Create your Blog Now -- FREEFree, automated weblog publishing tool that sends updates to a site via FTP.
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Real Estate Investing with Money Partners

2006-12-02T20:11:00.000-08:00

Amazon.com: Make Money in Real Estate Tax Liens : How To Guarantee ...tax lien investment, tax lien investing, real estate tax liens, property owner ... potential money partner, tax lien amount, tax lien certificate holder, ...
www.amazon.com/Make-Money-Real-Estate-Liens/dp/0471692867 - 128k - Cached - Similar pages

Frank Gallinelli - What Every Real Estate Investor Needs To Know ...Real estate investment software for commercial and residential income property. ... Her seven year projection spoke of: "Money Partner ROI" (180%), ...
www.realdata.com/gallinelli.shtml - 42k - Cached - Similar pages

Lease Purchase, Lease Option, Rent to Own Creative Real Estate ...We are real estate agents as well as investors specializing in ... for anyone with good credit and 5-25K that wants to become a money partner with me. ...
www.lease2purchase.com/letsnetwork_list.php?id=4 - 19k - Cached - Similar pages

Great Starting Ideas For The New Real Estate Investor Article ...Most of the deals he has done in some way involve somebody from the real estate investors association, whether they were a buyer or a seller, money partner ...
www.1888articles.com/great-starting-ideas-for-the-new-real-estate-investor-08b2b8p1k1.html - 50k - Cached - Similar pages

Private Money Bootcamp Real Estate InvestingIt is the best program of its kind for Real Estate Investors and Real Estate ... Specialized entity structuring for money partner transactions. ...
landlordsoftware.com/privatemoneybootcamp_more.htm - 84k - Cached - Similar pages

Matt Scott's Private Money Bootcamp Real Estate Investing ...As a real estate investor or developer, you know that funding is your biggest ... bullet, Specialized entity structuring for money partner transactions. ...
www.landlordsoftware.com/privatemoneybootcamp.htm - 113k - Cached - Similar pages

Real estate acquisitions: not a spectator sport Real Estate Weekly ...While taxes are a nonnegotiable part of the deal, there are tax incentives and advantages available to the well-researched real estate investor. ...
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Real Estate Investors Club - Los AngelesOther investors are making a bundle right now in your backyard using the ... in over 2000 real estate transactions as a buyer, seller and money partner. ...
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The Creative Investor Real Estate Forums(18 Replies); Looking For Cash Investor For Chicago Project (0 Replies) ... (8 Replies); Starting Out In Commercial Real Estate R.E. Need Advice (2 Replies) ...
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Back Office Lead and Property Management Solution for Real Estate ...Back Office Pro was designed exclusively for real estate investors, by full time, ... Money Partner Leads, Loss Mitigation/Foreclosure Leads and more. ...
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How Profitable Can Real Estate Investing Be

2006-12-02T20:10:00.001-08:00

Book results for How Profitable Can Real Estate Investing Be?
Profitable Real Estate ... - by R. Dodge Woodson - 252 pages
Real Estate Investor's Checklist - by Robert Irwin - 256 pages
Secure Your Financial Future Investing in ... - by Spencer Strauss, Martin Stone - 224 pages

Investing in Real Estate Can Be Profitable- Quicken Loans - Dec 2Investing in Real Estate Can Be Profitable. Mortgage News from Quicken Loans brings you breaking home financing and home buying news, keeps you abreast of ...
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Amazon.com: Profitable Real Estate Investing : Making Big Money ..."Profitable Real Estate Investing" is one of the most easy-to-understand, ... You Can Double Your Income By Investing in Real Estate on a Part-Time Basis by ...
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Find Real Estate News, Mortgage News, Home Loans and Homes for ...Investing in Real Estate Can Be Profitable Nov 10, 2006, 7:17 am PST. News provided by Quicken Loans. Purchasing real estate is a good way to invest your ...
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Invest in Profitable Property with Real Estate Investment LoanInvesting in real estate can be profitable if right investment is made. Along with this fact, it is also true that it involves huge investment which might ...
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Real-Estate - Investing Ezine ArticlesReal estate investing may not be everyone's cup of tea, but many people that take the time to taste the tea know that it can be profitable. ...
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Real Estate Investment Analysis Software by Real Estate ...As many investors know from first-hand experience, investing in real estate can be either a highly profitable or costly business. ...
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Real Estate Investing Benefits - Preconstruction Programs2. Anyone Can Invest:. Because real estate investing is so profitable and safe, it sees a huge amount of amateur investors entering the market everyday. ...
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Profitable Real Estate Investing - Petros Sivitanides, Ph.D.Profitable Real Estate Investing. by Petros S. Sivitanides, Ph.D. ... a good sense of where property rents and values are headed can be very successful. ...
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Real Estate Investing Through REITs - History and Benefits of REITsInvestors interested in real estate investing can acquire property through ... real estate investing can still prove a profitable option for those who are ...
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Lease Purchase, Lease Option, Rent to Own Creative Real Estate ...I spill all the "Lease 2 Purchase real estate investing secrets" here... old ... very own profitable Lease 2 Purchase Business is now completely up to you. ...
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Advertising for Renters

2006-12-02T20:06:00.000-08:00

Post apartments free rentals advertise houses rent list sublets ...Free list aparments advertise apartment rentals post homes for rent roommates rooms condo housing apartment ... Sublet.com Advertising & Affiliate Programs ...
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How to Advertise Your Rental Property - eHow.comSTEP 5: Inform your friends and business associates about the availability of the rental property to take advantage of word-of-mouth advertising. ...
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Home Rentals, Homes for Rent, Apartments, Houses for Rent ...Receive a guaranteed lift in your rental response or your money back! • List on the most effective source for rental advertising — better than other Web ...
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Vacation Rental AdvertisingVacation Rentals, Advertise your vacation rental properties by owner, by owner condo rentals, beach house, villa or vacation home with a beautiful vacation ...
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Rental Classified AdsThe Oregonian classifieds provides opportunities for both display andclassified advertising for rental properties of all kinds. 63% of renters say they are ...
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Vacation Rentals and Holiday Homes, Beach Houses, Cabins and ...Standard advertising on arrangeyourvacation.com is FREE. No Rental Commissions; No Referral Fees; No Sales Commissions; No Hidden Costs; No Setup Fees ...
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[PDF] 2007 RENTAL AND LOCAL ADVERTISING RATES 2007 RENTAL AND LOCAL ...File Format: PDF/Adobe Acrobat - View as HTML
any day of the month and are automatically self-renewing. Rates apply to Rental NWclassifieds advertising. For more information on Display advertising, ...
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Vacation Rentals-1st Choice Vacation Rentals the #1 Online ...Exposure to 20000 vacation renters a day coming to 1st Choice! Can't beat this cost effective advertising! *Orlando area or Lake Tahoe Vacation Rentals are ...
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Advertising Options For Your Apartment for Rent - ForRent.comWith over 30000 unique visitors daily, ForRent.com is a necessary tool in any marketing campaign. Whether you manage an apartment community or a business ...
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Types of Advertising: Direct Mail: Why It Works And How To Use It ...If I want to reach homeowners, why would I waste money advertising to renters? Don't you do this now with your current ads on the radio and in the newspaper ...
www.smalltownmarketing.com/directmail.html - 38k - Cached - Similar pages

Selling Your Own "Real Estate"

2006-12-02T20:02:00.000-08:00

home selling tip for selling your own homeEverything to sell your own house: fsbo selling tips, real estate forms ... How to sell your own home: real estate legal forms, plus purchase contracts and ...
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Order now. - www.audrie.com/forms_and_contracts_fsbo.htm
Prepare your home for fsbo sale ... - www.audrie.com/home_sellers_prepara...
CHECKLIST - www.audrie.com/checklist_for_fsbo_selling.htm
FSBO tips for setting home ... - www.audrie.com/setting_fsbo_home_prices.htm
More results from www.audrie.com »

For Sale By Owner (FSBO), Sell home house condo Buy Real Estate MLSYour source for selling a home on your own. We make the home selling process a cinch. Sell real estate, sell a home, and sell your house, fsbo. ...
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For sale by owner: selling a house on your ownThe advantages and disadvantages of selling a house on your own. ... Kevin was a top producing real estate broker and owned two real estate companies. ...
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Selling Without a Broker (Real Estate: Personal Finance ...Many areas have freebie real-estate newspapers that cater to people selling their own homes. You may also want to list your home online. ...
www.smartmoney.com/home/selling/index.cfm?story=solo - 82k - Cached - Similar pages

A Quick and Dirty Guide to Selling Your Home (Real Estate ...10 Things Your Real Estate Broker Won't Tell You ... Selling your own home can be a hassle. You have to set a price, place ads in the paper, ...
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HOMESBYOWNER101.COM - Home PageHow To Sell Your Own Home For the Highest and Best Price FSBO Handbook. ... The Vandema Gold Award is submitted to those real estate web sites ...
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Real Estate, Property, Land and Homes for Sale, lease and rent ...If you are considering renovating in order to sell your house in the immediate ... If you are not completely confident in your own ability to fill in these ...
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Real Estate Canada: Homes "For Sale By Owner" Private ListingsList your property For Sale By Owner and save realtor commissions when ... real estate agency: we do not accept a commission when you sell your own home). ...
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Wired 13.05: Cracking the Real Estate CodeReal estate provides the perfect opportunity, since housing sales are a matter of public record, and real estate agents often do sell their own homes. ...
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Buying a Home - HUDDiscuss the process with your real estate agent. If the seller counters your offer, you may need to negotiate until you both agree to the terms of the sale. ...
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MLS, MLS Advantage, Realtor.Com,

2006-12-02T19:49:00.000-08:00

http://www.GeorgeKeen.com
http://www.BradentonHomes.US
http://www.NewHomes-Builder.com
http://www.Realtor.com
and many others

Maps Aerial Street Lot - see also http://www.ManateePAO.com

2006-12-02T19:44:00.000-08:00

Explore Google MapsYou can also choose the hybrid view, which superimposes map data–including streets, street names, and landmarks–over satellite images. ...
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Amazon.com: Delorme Street Atlas USA 2007 Plus DVD: Software: WindowsSupplement your usual digital street map with an aerial or satellite image. ... Simply select the hybrid view to see DeLorme road vectors on top of the ...
www.amazon.com/Delorme-Street-Atlas-2007-Plus/dp/B000H24232 - 111k - Cached - Similar pages

John Battelle's Searchblog: Gates Shows Mostly Search At DImagery – satellite maps and a unique 45-degree-angle view of buildings and neighborhoods · Hybrid Maps -- street maps overlaid over satellite maps ...
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The Map Room: Satellite & Aerial... Comments (3): Google Maps has introduced a so-called hybrid mode that overlays a street grid, names and route numbers on the satellite/aerial imagery. ...
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Street Stories: Designing Networked, Narrative Places of CommunityBut, we do propose a new technology for Street Stories for two reasons. ... Simultaneously, the server downloads a map, satellite or aerial photo of the ...
hybrid.ucsc.edu/SocialComputingLab/Projects/StreetStories/Description/ - 14k - Cached - Similar pages

GPS Visualizer map input form: Enter addressesGPS Visualizer is a free site that creates SVG or JPEG maps and profiles from GPS data (tracklogs ... Google "hybrid" (streets+satellite), Yahoo! street map ...
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Brian Flood : New Version of Arc2EarthHybrid Layers. Street labels that display over aerial images are a common part of all of the major providers online map offering. This feature is commonly ...
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Appraisals, HomeValuation, BPO, Zillow

2006-12-02T19:40:00.000-08:00

Appraisal Scoop: AVM - Automated ValuationFirst American Real Estate Solutions Surpasses 250 Million Automated Property ... He found that Zillow can be good for getting basic price estimates, ...
appraisalnewsonline.typepad.com/appraisal_news_for_real_e/avm_automated_valuation/index.html - 94k - Cached - Similar pages

Appraisal Scoop: Free Online AVM or Traditional Appraisal - What's ...Real estate appraisal, Banking, Business Mgt., Economics; Patrick Egger ... in the form of a BPO (Broker Price Opinion) or BMA (Broker Market Analysis) ...
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Appraisal News For Real Estate Professionals: Free Online AVM or ...AVM stands for Automated Valuation Model, a computer generated report. ... Up to date information on the real estate appraisal industry, appraisal software ...
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Appraisal News For Real Estate Professionals: April 2006AVM: Automated Valuation Model. But more than anything else, the "oversupply" of real estate appraisers is due to the diminishing demand for these ...
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residential real estate appraisals | home valuations | pmi removalReal estate appraisals for residential home valuations using online products like ... A: A BPO (Broker Price Opinion) or a BMA (Broker Market Analysis) are ...
www.uappraiseit.com/faq.aspx - 67k - Cached - Similar pages

Home Values - What’s the difference?These reports are not USPAP compliant and are done by real estate ... leave that up to Zillow to tell you). AVM:. AVM stands for Automated Valuation Model, ...
www.uappraiseit.com/homevalues/2006/04/04/Whats+The+Difference.aspx - 42k - Cached - Similar pages
[ More results from www.uappraiseit.com ]

Real Estate Appraisal - home appraisal - appraiser - real estate ...This is better than a BPO or AVM or AAVM. Please call if you have any questions. ... they are performed by real estate sales persons, not appraisers, ...
www.appraisersoflasvegas.com/LimitedAppraisalsforjust$59.95 - 37k - Cached - Similar pages

Ask the Broker: Where can you go to get the most accurate ...We all know the answer to that: The best estimate of the value of real estate will come from an experienced real estate appraiser, preferably one with a lot ...
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How's your "Ray-Dar"? - Appraisers Forum - General Appraisal ...A BPO is a valuation that is provided by a local real estate agent rather ... Real Info, Inc. (Real Info) is an automated valuation model (AVM) and data ...
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BrokersFirstRealty.comEach of these valuation methods has a place in the world of real estate. CMA’s, BPO’s and AVM’s should not be confused with appraisals, and should never be ...
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AUTOMATED VALUE
Home Value - 10:16amNational Property Valuation offers instant, private, online home valuation ... “Automated Valuation Model” (AVM) Report - $22.95 - View Sample Reports from ...
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First American - Automated Valuation Models (AVM)Automated Valuation Models (AVMs). Access to the industry's top AVM solutions ... Home Price Analyzer (HPA). A hybrid AVM that searches from more than 200 ...
www.firstam.com/list.cfm?id=5272 - 22k - Cached - Similar pages

The Rightmove Automated Valuation ModelWhat does the AVM do? The Rightmove Automated Valuation Model has been ... A HIP will not contain a property valuation, but it may contain a Home Condition ...
www.rightmove.co.uk/template/publicsite,aboutus,AVM.vm - 13k - Cached - Similar pages

AVM, automated valuation modelLenders and brokers using Automated Valuation Models (AVMs) and homeowners using "free online home values" to determine the value of a property should know ...
www.appraisersoflasvegas.com/AutomatedValuationModels - 21k - Cached - Similar pages

Boston Apartments - Listing Your Home with an Agent? Not Without a ...More and more home sellers are turning to online home valuations, actually called AVM reports (Automated Valuation Models), to get an idea of where their ...
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Real estate appraisal - Wikipedia, the free encyclopedia - 10:10amSimilarly automated valuation models frequently find building size (square feet ... using readily quantified measures and a multiple regression (MRA) AVM. ...
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Automated Valuation Model (AVM): Information from Answers.comAutomated Valuation Model (AVM) Computer generated estimate of residential ... property Appraisal for second mortgage loans and home equity lines of credit. ...
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Automated Valuation Model (AVM) DangersThis AVM report said that his home was worth only $214000. ... In one case, the AVM (Automated Valuation) estimated the value of this waterfront property at ...
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real-info.comAutomated Valuation Model (AVM). Home Price Analyzer is known throughout the industry for generating precise, immediate and reliable residential property ...
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Multiple AVM (Automated Valuation Models)AVM stands for Automated Valuation Model and is quite simply a computer ... AVMs instead of physical appraisals for most refinance and home equity loans. ...
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Manatee County Recorded Documents & Court Cases

2006-12-02T19:34:00.000-08:00

Manatee County Clerk of Circuit Court and ComptrollerProvides online official records as well as criminal and civil court records. Manatee County Board records, agendas and financial reporting.
www.clerkofcourts.com/ - 45k - Cached - Similar pages

Public Records Search - www.clerkofcourts.com/ftdisclaimer.htm
Criminal - www.clerkofcourts.com/CourtServices/Criminal/criminal.htm
Recorded Documents - www.clerkofcourts.com/ordisclaimer.htm
Courts - www.clerkofcourts.com/disclaimer.htm
More results from www.clerkofcourts.com »

Manatee County Clerk of the Circuit Court CourtviewManatee County Florida Clerk of the Circuit Court Court House Information Processing System. Search By. Last Name / Company, Exact Match Starts With ...
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Free Public Records and Criminal RecordsCA - Riverside County - Limited Superior Court Records ... FL - Manatee County - Civil/Criminal, Marriage/Divorce, Probate, Recordings · FL - Manatee County ...
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Sarasota County Criminal Records Details5/23/2006, ORDER DIRECTING CLERK OF COURT TO SEAL TREATMENT RECORDS, 0, None ... 3/18/2004, REQUEST PAYMENT OF EXPENDITURES/$57.50 MANATEE GLENS CORPORATION ...
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SearchSystems.net - The Largest Florida Counties M Public Records ...Description: Browse the Manatee County, Florida Clerk of Circuit Court records for available properties that have been offered for sale for non-payment of ...
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Court RecordsCourt Records - State by State listing of public access to searchable databases. Also try SearchSystems - drill down to state then county ...
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Web public records access program won't start soonMANATEE COUNTY -- Manatee County plans to expand Internet access to public records after a Supreme Court order this week, but figuring out the details means ...
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Florida Public Records - Current & Accurate Public Record directoryLevy County Property Records · Manatee County Court Records · Manatee County Property · Marion County Appraiser · Marion County Public Records ...
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SARASOTA : Clerk of Circuit Court & County ComptrollerThe Sarasota County Clerk of the Circuit Court uses its best efforts to maintain this web site, but makes no guarantees concerning the information contained ...
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MyFloridaCounty.comSearches may be made by specific county, judicial circuit, region or statewide. ... NOTE: This service does not provide Criminal Court records. ...
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Manatee County County Appraiser & Tax Collector

2006-12-02T19:30:00.000-08:00

Manatee County Property AppraiserAccess to land records, general information, and contact details.
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Sarasota County Property AppraiserProperty records, sales, appraisals, exemptions, contacts and details on the office.
www.sarasotaproperty.net/ - 10k - Cached - Similar pages

Property Record SearchThe information appearing on this website was extracted from the records of the Sarasota County Property Appraiser's Office. Our goal is to provide the most ...
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Manatee County Tax CollectorWelcome to the official website of Manatee County Tax Collector - Ken Burton Jr. ... Property Appraiser representatives will be at our Lakewood Ranch office ...
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FL Dept Rev - Sarasota County Property AppraiserFlorida Property Appraisers, Names, Addresses, Phone, Fax, and Website list.
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Sarasota County Government: TopicsAccess Sarasota TV-19 cov Access TV19 coverage of County Commissioners swearing in: Access TV19 coverage of ... Links... Sarasota County Property Appraiser ...
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Manatee County, Florida - Wikipedia, the free encyclopediaManatee County Board of County Commissioners official website; Manatee County Supervisor of Elections · Manatee County Property Appraiser · Manatee County ...
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Sarasota County, Florida - Wikipedia, the free encyclopediaSarasota County Government / Board of County Commissioners official website; Sarasota County Supervisor of Elections · Sarasota County Property Appraiser ...
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Manatee Appraisal Manatee County Appraisal Sarasota Appraisal ...Birkholz Appraisals offers Manatee Appraisal Manatee County Appraisal Sarasota Appraisal Sarasota Home Appraisal Real Estate Appraisal Manatee Sarasota ...
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Sarasota County Government: Property Appraiser - Jim TodoraSarasota County Property Appraiser is Jim Todora, was elected to his first term by Sarasota County voters to this constitutional office in 1996 and ...
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Foreclosure, How to Find Pre-Foreclosures

2006-12-02T19:26:00.000-08:00

PreForeclosures - Pre-Foreclosure Listings Preforeclosure PropertiesPreforeclosure listings from Preforeclosure.com. Search for Preforeclosures before they hit the foreclosure market. Preforeclosures are still the best way ...
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Buying Pre-Foreclosure Properties, Pre-Foreclosures Investing ...Learn how to find and buy pre foreclosure properties. ... Buying Pre-Foreclosures. Click on the topic area that's of interest to you. Find and file ...
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Find Foreclosure Properties at RealtyTracFind current bank foreclosures and government foreclosed property listings. Search for available foreclosure properties listed in all 50 states.
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domaniacom.com Foreclosures, Pre Foreclosures, Tax Liens ...domaniacom.com foreclosure listings from Foreclosure.com. We also provide pre-foreclosures, for sale by owner, bankruptcy homes and properties.
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Bank Foreclosures Free Foreclosure List Foreclosed Homes Lists ...ForeclosureFreeSearch.com offers the most valuable foreclosure information online! ... Foreclosure · HUD · Find Pre-foreclosures ...
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Bank Foreclosures Free Foreclosure List Foreclosed Homes Lists ...There are several ways to find out about pre-foreclosures, including list or database subscriptions, local newspapers, and contacting foreclosure attorneys. ...
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Foreclosuresus.com -- bankrate.com (SM)In some cases and with some additional effort, you can find these homes prior to going into foreclosure or pre-foreclosures. In the case of bank REO’s, ...
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All Foreclosure InformationForeclosure information and resources including investment strategies and assistance ... We provide the direction to find foreclosed homes, preforeclosures, ...
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Online Foreclosure Homes Listing Service - Find Foreclosed Houses ...Online Foreclosure Homes Listing Service - Find Foreclosed Houses For Sale Pre-Foreclosures and VA Homes. Distressed properties are homes that have been ...
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How to Find Foreclosure and Pre-Foreclosure Listings | Real Estate ...There are several basic methods that you can use to find foreclosures or pre-foreclosures:. 1. Search Public Records: In various stages of the foreclosure ...
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Florida Tax Deed Sale Bradenton

2006-12-02T19:22:00.000-08:00

Manatee County Florida Tax Lien Certificates InformationThe county seat is Bradenton, and the population in 2000 was 264002. ... Information on a property subject to a tax deed sale, such as appraised value and ...
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Tax Lien Certificates - A Safe Investment StrategyThe "You Can Do It" Guide to Success in Tax Lien and Tax Deed ... How To Buy Land At Tax Sales How To Buy Land At Tax Sales by Truman Publishing Company ...
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Florida Homes and Condos for Sale in Bradenton, Palmetto, Sarasota ...... Re/Max Gulfstream Realty, Bradenton, Florida: New and Existing Homes and Condominiums, Buyer Tips, HUD Homes, Tax Deed Sales, Zero-Down Loans, more...
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County InfoThe amount of deposit required is pursuant to Florida Statute 45.031(2). ... A tax deed sale is a public auction where property is sold to the highest ...
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FindLaw for Legal Professionals - Case Law, Federal and State ...Notice is given, a public sale is had, and a tax deed is issued. ... 5 The [333 U.S. 1 , 5] Supreme Court of Florida held that 500 describes the class of ...
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State of Florida.com - Doing Business in the State of FloridaFlorida Business - All the information you need to form your Florida corporation or LLC quickly ... Do I need to collect sales tax? Find out what is taxable ...
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Background Check Gateway - Free Instant Background Checks and skip ...Bradenton, FL 34206 (941) 749-1800 ONLINE: Manatee County Property Appraiser ... Real Estate, Recordings, Deeds, Liens, Tax Deed Sales, Arrests, ...
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SearchSystems.net - The Largest Florida Cities A-C Public Records ...Description: Browse the Bradenton, Florida code of ordinances or search by keyword. ... Instant access to judgment and tax lien information in most states. ...
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[PDF] The Florida Tax Collectors, IncFile Format: PDF/Adobe Acrobat - View as HTML
The $38 million bill (SB 692) would give shoppers in Florida a break from the sales tax on books,. clothing, wallets and backpacks costing $50 or less for ...
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Bradenton Real Estate - Bradenton Homes - Bradenton Florida ...Highest rated service in Bradenton Florida. ... company (via the contract) to retain possession of the deed to the buyer until the seller’s requirements, ...
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Florida "courthouse auction" real estate

2006-12-02T19:21:00.001-08:00

Pre-Foreclosure Real Estate - Buy Pre-foreclosed homesLearn about Pre-Foreclosure Real Estate with this 30 second seminar. ... and the foreclosure cancelled, just before the courthouse auction. ...
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Florida Real Estate- A Better Alternative for Investment ...Real estate investment in Florida has multiple benefits. ... If you are a hardcore investor, try to invest in the property at a courthouse auction. ...
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Homestore: Real Estate News - General - The Pros and Cons of ...There are plenty of ways to get started in real estate investing, ... How it works: Purchase the property at a courthouse auction -- hopefully for less than ...
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Fort White NewsGainesville FL, Archer FL & University of Florida Gainesville Regional Airport ... FL -- A courthouse auction in Columbia County had 1300 acres up for sale ...
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Foreclosures and Foreclosed Homes - Free Foreclosure ListingsBuying a foreclosure home at its courthouse auction is the second ... Short for “Real Estate Owned,” REO describes a property currently owned by the ...
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Fixer Upper - Real Estate InvestingEveryone basically understands real estate investing. ... How it works: Purchase the property at a courthouse auction -- hopefully for less than it's worth. ...
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[PDF] SeniorCareFile Format: PDF/Adobe Acrobat - View as HTML
in a real estate market that has seen cap rates and current ... In a live courthouse auction,. Formation outlasted the other bidders, paying more than it ...
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Mortgage Foreclosure Guide - Daily ReportWhen a person borrows money to buy real estate, such as a house or condominium, ... During the weeks leading up to the courthouse auction date, ...
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Real Estate Webmasters Forum - REO QuestionIf you want to get one without an agent, go to the courthouse auction. ... Kissimmee Florida Real Estate (http://www.oneway-realty.com) and a few others. ...
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Agents Online Real Estate Idea Center: Does Georgia Real Estate ...Real estate discussion forums and agent directory. ... legal paper for 3 to 4 weeks and the courthouse auction is usually the first Tuesday of every month. ...
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"Choose Realtor" Investment Real Estate Bradenton

2006-12-02T19:14:00.000-08:00

Baltimore MortgageBaltimore Title, Mortgage and Other Real Estate Services - Baltimore Real Estate ... Real Estate Loans & Mortgages in Baltimore, MD - Find Real Estate Loans ...
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Home For Sale - Atlanta Homes For SaleBuying Selling intown downtown midtown Atlanta Real Estate residential & investment properties Full Real Estate Services Serving Atlanta neighborhoods ...
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Links in Etobicoke, Central Etobicoke, The Kingsway, Sunny Lea ...http://www.florida-investment-real-estate.net/. http://www.bradenton-realestate.net/. http://www.poinciana-real-estate.com/ ...
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Real Estate: Choose a Realtor You Can Trust - Real-EstateHome sales drop 31% Sun-Sentinel.com Sarasota Herald-Tribune - Bradenton Herald - all 55 related ... I had a hard time at first with real estate investment. ...
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Minnesota Investment Property - Minnesota Real Estate - Buy or ...Residential and Investment Real Estate serving the Scottsdale and Phoenix area. ... why not choose a Realtor with 37 years of experience in helping you to ...
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Realty Partners | Elk Grove California | Sacramento California ...We specialize in investment real estate property in Miami & Orlando Florida. ... space for lease and purchase in Sarasota, Bradenton and Lakewood Ranch. ...
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Real Estate Information - Real-EstateREAL ESTATE TRANSACTIONS (Bradenton Herald) ... Property Investment Strategy: Securing Properties with Little or No Deposit ...
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Florida Real Estate ListingsFlorida Commercial Real Estate Florida Investment Real Estate Florida Real ... Yard Realty, scotland yard realty - Bradenton area, Florida s Gulf Coast. ...
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Grand Rapids Real Estate - Kent County Homes for Sale - West ...Sarasota, Venice, Bradenton,Port Charlotte, North Port, Lakewood Ranch for SaleHave ... Real Estate on the Emerald Coast of FloridaResort and investment ...
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Insurance, Investment Real Estate

2006-12-02T19:10:00.000-08:00

Prudential Insurance Company of AmericaLife Insurance, Annuities, Mutual Funds, Long Term Care, Real Estate and ... LLC, and Prudential Investment Management Services, LLC, members SIPC. ...
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AskMen.com -Investing In Real estateNo one hears about how much money one can make investing in real estate. ... on you financially, then insurance is not an option; it's an obligation. ...
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Countrywide Financial - Home Loans - Equity Loan Mortgages ...Countrywide Financial divisions also offer banking and insurance solutions. ... provided by Countrywide Insurance Services, Investment Services provided by ...
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LSU Libraries -- Business Subject GuidesLocate home and auto insurance rate guides for states, news, and special reports. ... National Association of Real Estate Investment Trusts ...
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Wind insurance in commercial investment real estate | ItsYourTimes.comWind insurance in commercial investment real estate ... multi tenant commercial investment real estate valued at over one million dollars in and out of the ...
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The Business Journal of Milwaukee: Local Business NewsCommercial real estate listings, office space listings, retail space listings, and industrial space ... AT&T promises $620M investment, new jobs in Michigan ...
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Austin Business Journal: Local Business NewsKBS Real Estate Investment Trust Inc. recently bought Southpark Commerce Center II in ... As Massachussetts adjusts to near-universal health care insurance ...
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AZ LLCs: Why Arizona Investment Real Estate Should Always be Held ...Two Primary Asset Protection Rules for Real Estate Investment are buy adequate insurance and fomr and LLC to own the land.
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property real estate agents investment properties new homes for ...Our completely free worldwide property investment alert service can help you keep your finger on the pulse of the and worldwide real estate market, ...
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The Real Estate Library - An educational site offering articles ...A Real Estate Mega Site. Free Information Reports, Articles, Tips, Financing, Mortgages, ... Compare homeowners insurance quotes at US Insurance Zone! ...
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Negotiation Real Estate Investment Purchase

2006-12-02T19:07:00.000-08:00

Boston Real Estate investment club - When The Right Time to Buy ...Boston Real Estate investment club - Because the drive to buy is not determined by ... This is when his/her negotiation skills really come in handy! ...
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Real Estate Investment ArticlesReal Estate Investment 101 - Building Face-to-Face Rapport With Your Seller · Real Estate Negotiation - When It All Falls Apart ...
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Amazon.com: Negotiating Commercial Real Estate Leases: Books ...Negotiating Commercial Real Estate Leases by Martin I. Zankel $13.57. 13% buy ... NARREIA Recommendations: Real Estate Investment ...
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Amazon.com: Real Estate Investment: Strategy, Analysis, Decisions ...If you would like to purchase this title, we recommend that you occasionally ... Private Real Estate Investment: Data Analysis and Decision Making (Academic ...
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Bank of Hawaii | Real Estate Investment ManagementOffering full-service real estate investment management services. ... Real Estate Lease Negotiation and Rent Negotiation - Handle inspections and reports, ...
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Real Estate Investment Software Product PageReal estate investment software for commercial and residential income property. ... a very critical analysis for myself to aid me in deal negotiations." ...
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Real Estate Investing 101: Six Golden Keys to Help You Find the ... - 5:32pmMost real estate investment purchases take more than one round of negotiations. Negotiations can center on the price or on other key components of the real ...
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R.E.I.N.™ - Canada Real Estate Investment Strategies & Tips ...Titled "The 22 Secrets To Street Smart Negotiating," this is one of the most ... REAL ESTATE INVESTMENT NETWORK A Division of Cutting Edge Research Inc. ...
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Real-estate-investment misconceptions by John T. ReedAll negotiations have both elements of mutual interest ("win-win") and elements ... The three most important things in real estate investment are location, ...
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Real Estate Investment - Financial Training AmericasComparing cash flow from US real estate and manufacturing investment projects ... Private Banking, Real Estate Finance, Risk Management, Sales & Negotiation ...
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Home Inspectors Bradenton Florida

2006-12-02T19:03:00.000-08:00

Local results for home inspectors near Bradenton, FL

Inspection Associates Inc - 2.0 miles SW - 3811 23rd Ave W, Bradenton, 34205 - (941) 750-0475
Pillar To Post - 1.3 miles SW - Bradenton, 34205 - (941) 744-5464
O'Brien J Thomas AIA PA - 0.5 miles SE - 906 9th St W, Bradenton, 34205 - (941) 708-0048

Homeinspection.com - Find Home Inspectors - About Home Inspections ...A database of home inspection companies on the internet with e-mail and website links.
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Bradenton Florida Home Inspections, Building, Commercial Property ...Palmetto NFlorida PI professional home and building inspections, provides the Bradenton Area both residential and commercial inspection services.
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Bradenton Home Inspection Services & Home Inspectors in Bradenton ...Find Home Inspection Services & Home Inspectors in Bradenton maps with reviews, ... All Florida Home Inspection Proudly Serving Bradenton (727) 367-2734 ...
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Bradenton City Guide and Yellow Pages at SuperPages.comPicture of Bradenton, Florida Located on the Manatee River, Bradenton ... Home Inspection Services & Home Inspectors, Mortgage Rate Lenders & Home Loan ...
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Home Inspections for Manatee County, Bradenton, Sarasota ...Home Inspection Services for Manatee County, Bradenton, Sarasota, and adjacent Florida Counties, Mike Conely has over twenty-nine years experience in all ...
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Straight Inspection Service, Home Inspector for Southwest FloridaSouthwest Florida Home Inspectors can usually save the buyer money by uncovering defects the seller may be obligated or willing to repair, and saves the ...
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Home Inspectors for Bradenton, Sarasota and Anna Maria Island FloridaSarasota, Bradenton, Anna Maria Island Pinter professional home inspections, provides the Sarasota, Bradenton and Island residential areas with inspection ...
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Bradenton, Florida Remodeling Contractors Available At Renovation ...Bradenton, Florida Remodeling Contractors Available At Renovation Experts . com. ... Home Inspectors Servicing Bradenton ...
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Florida Home Inspector - Florida Home Inspectors - Florida Home ...All of our National Association of Home Inspectors, Inc. Florida home inspector members agree ... Pinter & Associates Home Inspections. Bradenton, FL 34205 ...
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Chief Home Inspections - West and Central FloridaChief Home Inspections serves the following counties and cities of Florida and their surrounding areas: Hillsborough County, Polk County, Pinellas County, ...
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Real Estate Attorneys Bradenton Florida

2006-12-02T19:00:00.000-08:00

Florida Bradenton Real-Estate attorneys lawyers and law firms ...Your search for Real Estate, Law Firms, in Bradenton, Florida, United States found 19 ... Merritt & Merritt, Attorneys at Law, Law Firm, Real Estate ...
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Florida Bradenton Wills-and-Probate attorneys lawyers and law ...Practice Area: Commercial Real Estate; Residential Real Estate; Real ... Attorneys, P.A., 1401 8th Avenue West, Bradenton, Florida 34205-7798, (Manatee Co. ...
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Bradenton Real Estate Lawyer, Attorney, Lawyers, Attorneys, Law ...Find a good Bradenton Real Estate Attorney, Lawyer, Law Firm. ... Additional Real Estate Lawyers in BRADENTON, Florida and Vicinity ...
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Sarasota Real Estate Lawyer, Attorney, Lawyers, Attorneys, Law ...Additional Real Estate Lawyers in SARASOTA, Florida and Vicinity ... Garland, Padelford & Kaklis, P.A. - Bradenton, Florida, Website |, Profile ...
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Real Estate Attorney Business Organization Lawyer Porges Pamlin ...The attorneys at Porges Hamlin Knowles & Prouty in Bradenton and Sarasota Florida focus on real estate, business organizations, land use and environmental ...
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Law Firm Garland, Padelford & Kaklis, P.A. Attorneys Bradenton ...Bradenton, FL 34205-7719 Phone: (941) 748-1400 (800) 884-6007 ... Powers of Attorney and Appointment Residential Real Estate Title Insurance ...
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Attorneys Hamrick, Perrey, Quinlan & Smith, P.A. Bradenton Florida ...Bradenton, Florida 34205 Telephone: (941) 747-1871 Fax: (941) 745-2866 ... and estate litigation; real estate law including financing, title insurance, ...
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Bradenton Real Estate in Bradenton FL Yellow Pages by SuperPagesFind Real Estate in Bradenton maps with reviews, websites, phone numbers, addresses, and business profiles. ... Real Estate, Bradenton, Florida, FL, ...
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Lori M. Dorman - a Bradenton, Florida (FL) Real Estate Law LawyerSearch this free lawyer directory to find lawyers or attorneys in your city or state. Find a law firm by practice area to help you with your legal needs.
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Real Estate in Bradenton, FL - Yellow Pages - SwitchboardFind Real Estate, in Bradenton, FL, in Switchboard Yellow Pages. ... Business Types: Attorneys, Proxy Solicitors, Legal & Tax Services, Attorneys-Patent Law ...
www.switchboard.com/Real_Estate/Bradenton/FL/26/Yellowpages_Results

Residential Title Bradenton Florida

2006-12-02T18:57:00.000-08:00

Bradenton Title Insurance in Bradenton FL Yellow Pages by SuperPagesBy Owner Properties - Residential & Comm Title Searches - Title Insurance - On ... Florida Gulf Title Llc 3639 Cortez West Suite 102, Bradenton, FL 34210 ...
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Bradenton Mortgage Rate Lenders & Home Loan Banks in Bradenton FL ...Team Title Services Inc 4608 26th St W, Bradenton, FL 34207 ... Homes & Residential Real Estate, Real Estate Title Search & Abstract Services, Mortgages, ...
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Fidelity Title & Exchange Services Incorporated, Bradenton FL 34205Closings, Commercial, Refinance, Residential, Title Insurance. ... Bradenton, Florida -- It was 10:30am on Monday when 16-year-olds Tyler Isenhour and ...
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North East Bradenton Florida Residential Homes, Neighborhoods ...Bradenton. Lakewood Ranch · East_County_North · Waterlefe - Gold & River Club · River Wilderness · Greenfield Plantation ...
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Florida Bradenton Insurance attorneys lawyers and law firms listed ...Roger P. Conley, Chartered, 2401 Manatee Avenue West, Bradenton, Florida 34205, ... Residential Real Estate; Real Estate Title Insurance; 1031 Like Kind ...
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Bradenton Real Estate (FL) - Classifieds & Want AdsHouses for sale around Bradenton, FL Florida. ... View, Single Family House, 0, Insert title here. 131 E: Fort Pierce, FL, $7000, 0, NO. November 5: ...
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Philip E. Perrey - a Bradenton, Florida (FL) Alternative Dispute ...He assists clients with residential and commercial transactions, financing needs, title insurance, closings and 1031 exchanges. ...
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William B. Padelford - a Bradenton, Florida (FL) Elder Law LawyerMortgages & Foreclosures Powers of Attorney and Appointment Residential Real Estate Title Insurance Trusts Wills. Bar Admissions:. Florida, 1983. Education: ...
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click hereFor Act Fast Florida Title - Tampa - FL Click Here; For Act Title Company Inc Click Here ... For Heritage Title Agency Inc - Bradenton, FL Click Here ...
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Bradenton, Florida Real Estate - Coldwell Banker Residential Real ...Bradenton Florida Real Estate. FloridaMoves.com can help you find Bradenton homes for sale, ... Closing and Title Services. Home Protection. Foreclosures ...
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"Residential Real Estate" Appraisal

2006-12-02T18:56:00.000-08:00

Home Buying - Facts About Residential Real Estate AppraisalsIf you're paying cash for the house, the appraisal must only meet your approval ... Appraisals> Home Buying - Facts About Residential Real Estate Appraisals ...
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Real Estate Appraisal License Courses - Online Education.netNational Uniform Standards of Professional Appraisal Practice (USPAP); Residential Real Estate Appraisal; Legal Considerations in Appraisal ...
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Commission of Real Estate Appraisers and Home InspectorsReporting Requirement Involving Residential Real Estate Located Within the City of ... Who provide real estate appraisal services for transactions involving ...
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NYS DOS, Licensing Services, Real Estate Appraiser Reciprocity ListCERTIFICATION CLASSIFICATION, State Licensed Real Estate Appraiser, State Certified Residential Real Estate Appraiser, State Certified General Real Estate ...
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Today's Real Estate NewsRISMedia - Residential Real Estate's Largest Independent News ... Manfred Real Estate Learning Center, Inc., will begin offering appraisal online continuing ...
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WA State Licensing: State-certified Residential AppraiserState-certified residential real estate appraiser. Education and experience requirements. Before you are eligible to become a state-certified residential ...
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How to Get a Residential Real Estate Appraiser License in Maryland ...Check out How to Get a Residential Real Estate Appraiser License in Maryland - Submitted by Ray Anderson at Associated Content.
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Yahoo! Answers - Residential real estate appraisal question?2 answers - When using the comparable sales approach, where does the adjustment rate come from? Is it a standard rate for an area? or an average rate? or ...
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OLR - Real Estate AppraisersFor federally related transactions, a certified residential appraiser may only appraise residential real estate or real property of one to 4 units, ...
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Alaska Division of Occupational LicensingThe board consists of one general real estate appraiser, one residential real estate appraiser, one mortgage banking executive, one public member, ...
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Federal Taxation of Real Estate

2006-12-02T18:48:00.000-08:00

Lawcatalog is American Lawyer Media's online catalog of books and legal news publications and products.
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Federal Taxation of Real Estate - Market Research Reports ...Federal Taxation of Real Estate helps you uncover potential problems, apply appropriate remedies and structure a transaction for maximum tax benefits.
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[PDF] Federal Taxation of Real EstateFile Format: PDF/Adobe Acrobat - View as HTML
Federal Taxation of Real Estate. Description:. Federal Taxation of Real Estate helps you uncover potential problems, apply appropriate remedies ...
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Amazon.com: Federal Taxation of Real Estate Exchanges: Ideas and ...Amazon.com: Federal Taxation of Real Estate Exchanges: Ideas and Strategies--What Works. What Doesn'T. and Why: Books: Richard A. Robinson,James D. Maxwell ...
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BarristerBooks- Your Only Online Law Bookstore! Law Books and More!Federal Taxation of Real Estate offers practical help to uncover potential problems, apply appropriate remedies, and structure a transaction for _maximum ...
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Locke Liddell & Sapp | Practices |We have particular strength in real estate taxation, including the formation, ... Our lawyers offer advice on federal, state and local tax matters, ...
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Paul F. Lindemann - an Indianapolis, Indiana (IN) State and ...Areas of Practice:. State and Federal Taxation Mergers and Acquisitions Real Estate Syndications Employee Benefit Plans. Bar Admissions:. Indiana, 1976 ...
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Section of Real Property, Probate and Trust Law: - - Federal ...The purpose of this committee is to acquaint real estate practitioners with tax ... (help). rppt-rp-d1 Email the Federal Taxation of Real Estate Committee ...
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Federal Income Taxation of Real EstateExpert analysis and innovative planning ideas incorporating the latest tax amendments. The first and only source for expert analysis of the current real ...
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NYU SCPS | /iftThe New York University 65th Institute on Federal Taxation will be held ... corporate; partnerships and real estate; trusts and estates; employee benefits; ...
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How to Own Land Anonamously - The Land Trust

2006-12-02T18:44:00.000-08:00

How to Own Land Anonamously
Fortunately, there’s a better way to own real estate. It’s called the land trust. The concept is particularly popular in American states that have specific ...
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LegalWiz.com - The #1 Legal Resource for Real Estate Investors“I have used the land trust material in the last 4 real estate transactions and it’s the most effective way to hold real estate. Bill Bronchick really has ...
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Amazon.com: Wealth Protection Secrets of a Millionaire Real Estate ...Land Trusts for Privacy & Profit: Using the "Illinois-Type" Land Trust in Other States by Mark Warda; Financing Secrets of a Millionaire Real Estate ...
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List of real estate topics - Wikipedia, the free encyclopediaThis aims to be a complete list of the articles on real estate. ... Condominium · Conservation land trust · Contingency · Contract of sale of real estate ...
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Land trust - Wikipedia, the free encyclopediaInvestment trust companies hold property for investment purposes and non-citizens who want long-term access to land in Mexico often enter real-estate trust ...
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Resources for Land Trusts - JobsExperience with negotiations and an understanding of real estate and ... The Wallkill Valley Land Trust is searching for a part time Development Director. ...
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The Land Trust Alliance: Conserve Your Land - Conservation Options ...When you donate a conservation easement to a land trust, you give up some ... have substantial real estate holdings and wish to reduce estate tax burdens; ...
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PCJ Article: Community Land Trusts: An IntroductionThe modern community land trust model was developed in the 1960s by ... Real estate trusts are private entities formed to hold property for the good of ...
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Marquette BankIf you own real estate in the state of Illinois, a Land Trust offers a simple and ... Marquette Bank has been providing Land Trust services for real estate ...
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Real Estate News and Tips for Buyers, Sellers & Investors - Inman NewsInman Real Estate News provides brokers, agents, consumers and industry insiders ... The land trust is not a recorded document; therefore, if he felt it was ...
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hire "real estate property manager"

2006-12-02T18:37:00.002-08:00

Download The "Real Estate Property Manager" 2.0
Real Estate Property Manager - A simple property management software designed for real estate agents/managers. Plus an ASP.net web application and MSDE 2000 ...
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Property Management Software: iState, iStateSoft Property Manager ...iState 2.0, iStateSoft Property Manager 2.5, Real Estate Property Manager 1.5, LandlordMax Property Management Software 2.12c ...
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Property Management Software: Real Estate Property Manager, Area ...Real Estate Property Manager 1.5, Area Length Converter Utility 2.0.1.5, Rental Property Investment Calculator 2.1, Easy Projects .NET Personal Edition 4.1 ...
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Melbourne jobs, employment: Property & Real Estate jobs in ...REAL ESTATE PROPERTY MANAGER Full time Monday to Friday Agents ... REAL ESTATE PROPERTY MANAGER Rare opportunity to join one of the leading real eSTATE ...
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Property Management Careers-Real Estate job ($35000 - $95000 pkg ...... Real Estate Agent · Sales & Leasing · Real Estate Sales · Valuer · Real Estate Manager · Real Estate Property Manager · Commercial Leasing · Real Estate ...
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Job Guide 2006 - Job DetailsReal Estate Property Manager who manages rental properties while employed by an agent and may perform the following tasks: ...
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REAL ESTATE PROPERTY MANAGER / LEASING SPECIALISTREAL ESTATE PROPERTY MANAGER / LEASING SPECIALIST. Avoid scams & fraud by dealing locally! Beware scam job offers involving payment transfer/handling, ...
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Rental Property Manager 1.18 - Reviews and free Applications ...Mipsis Real Estate Property Manager 1.5. Manage your franchises, apartments, and other real estate properties. More info + ...
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First National Real Estate - Residential :: Property Investment ...Your First National Real Estate Property Manager has local experience and establishes the rental value by comparing your property with similar properties ...
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[PDF] REAL ESTATE AGENCYFile Format: PDF/Adobe Acrobat - View as HTML
(c) To make the real estate property manager responsible for establishing a system of ... revoke a real estate property manager license under ORS 696.301. ...
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Managing Investment Real Estate

2006-12-02T18:37:00.001-08:00

Read Commercial Investment Real Estate magazine · CCIMNet Listings ... Demographics & GIS, transaction management, marketing software, CCIM intranet, ...
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Real Estate Investment Firms Information | Business.comA real estate investment management and mortgage banking firm-international locations. ... Investment real estate. 4 out of 5 applicants approved! ...
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The Seattle Times: Real Estate: Making investment in property pay offWhat to watch out for when buying and managing an investment property ... which specializes in developing, leasing and managing investment real estate. ...
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Investment Services > Real Estate Instruments in the Yahoo! DirectorySpecializes in investment real estate for self-directed retirement accounts. ... Provides real estate investment advisory and management services to ...
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Open Directory - Business: Investing: Real Estate: CommercialCambridge Investors - Commercial real estate investments and management firm. ... management of commercial,industrial and investment real estate in Texas. ...
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How to buy ... investment real estate - MarketWatchNine out of 10 people aren't suited for the business of managing tenants or the ... specializes in developing, leasing and managing investment real estate. ...
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Rhode Island Real Estate RI Realtors :: Property Management of ...Property Manager Investment Properties Real Estate Investing Investment Property Commercial Real Estate Real Estate Investments Investment Property ...
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NYU SCPS | The Real Estate InstituteManaging Small Development Projects. › Managing the Deal From Contract to Closing. › Market Analysis for Commercial Investment Real Estate (CI-102) ...
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Links from the Journal of Real Estate ResearchCenter for Real Estate Enterprise Management (Centerprise) ... Commercial Investment Real Estate Institute (CIREI), Provides education in commercial and ...
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Commercial Real Estate - State wide ( Florida ) - NBI Properties, IncReal Estate, Commercial Real Estate, Property Management, Residential Real Estate, Investment Real Estate, Commercial Management. Specialties: ...
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Financing Investment Real Estate

2006-12-02T18:32:00.000-08:00

Visit often to get leading-edge information and no money down creative real estate financing techniques. You'll find numerous inspired ways to invest in ...
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Real Estate investment with private mortgages and seller financing ...Buy real estate investments quickly using seller financing and private mortgages. ... [Home] [Why own investment real estate?] [Why most real estate is sold ...
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John T. Reed's view of various real estate investment gurus For cheaper , accurate information on real estate finance, see my book How to ... has changed to Commercial Investment Real Estate Institute. www.ccim.com ...
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Preconstruction Investment Real Estate Condos and PropertiesWhether you're looking for investment real estate listings, searches, properties, agents, brokers or financing YAERD is the right choice for you!
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Florida Investment Real Estate PropertiesAuction real estate in Florida Florida Investment real estate financing Florida Investment real estate broker Florida real estate investment Florida real ...
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Real Estate Link.Net - Creative Real Estate Investing for Investors“Barney” Zick has written and published 3800 pages on investment real estate, published 19 home study courses and a dozen courses for TV gurus and has ...
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NYU SCPS | Certificate in Real Estate Finance and InvestmentSummer Institute in the Business of Real Estate: Finance and Investment ... User Decision Analysis for Commercial Investment Real Estate (CI-103) ...
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College of Business > University of IllinoisRoger E. Cannaday, Associate Professor of Finance; Peter F. Colwell, ... and who intends to pursue a career in commercial-investment real estate. ...
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Florida Investment Homes | Preconstruction Investing | Florida ...Join in on one of the fastest growing investment real estate areas of the country. ... home builders, financing banks, and especially the investors. ...
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Commercial Real Estate Loans | Building Loan Lender | Business.comNational Apartment Finance: Commercial Real Estate Financing ... commercial and investment real estate · commercial company financing ...
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Exchanging Your Greatly Appreciated Real Estate

2006-12-02T18:24:00.000-08:00

ons, he explains the options available to take advantage of tax deferral or tax eliminating methods, including: *Charitable remainder trusts *Family philanthropic foundations *Installment sales *Private annuity trusts *Self-directed IRAs *1031 Tax Deferred Exchanges Williamson discusses the pros and cons of each option and gives examples of how each method works in everyday practice
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Your deduction for a gift of appreciated real estate in any year is generally ... suitable for a charitable gift in exchange for a life income arrangement. ...
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WiserAdvisor.com University: 1031 Exchanges: A Tax-Deferred Real ...A section of the Tax Code may help you convert your appreciated property into an ... As with any valuable asset, managing the exchange of real-estate tax ...
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Buyer Broker/Agent - Real Estate Sudbury MA, Sudbury Real Estate ...Welcome to Real Estate West of Boston, Sudbury Massachusetts, ... the whole process - she always went the extra (and much appreciated) mile to help out. ...
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Real Estate Speaker, Coach and TrainerWalter Sanford for motivational speaking in real estate, as well as for loan officer ... to provide a service to a client that is very much appreciated! ...
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Amazon.com: Selling Real Estate without Paying Taxes (Selling Real ...... charitable remainder trust, appreciated real estate, gross profit ratio, assumption clause, reverse exchange, identification period, annuity trusts, ...
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ExpatExchange.com: The Foreign Exchange Weekly - Newsletter ...Sign Up Here for our bi-weekly Real Estate & Job Classified Update e-mail to receive new rentals, ... Your help will be much appreciated! Saudi Arabia ...
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Any other advice that you can give me will be much appreciated! Answer: Yes. When you pay all-cash for a real estate purchase, instead of financing the ...
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Link exchange with Real EstateLink exchange with Real Estate Relevant Link Exchanges. ... Please let me know once our link is added, it will be appreciated if you send us the exact ...
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Attracting target audience for real estate project | MarketingProfsExchange Offer: offer your project in exchange of a less attractive real estate ... It is much appreciated ! ... Know-How Exchange powered by MarketingProfs ...
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Current Questions from MarketingProfs Know-How ExchangeI have no real work experience nor internship experience. ... If so, it would be much appreciated if you could point me to it. Thanks in advance. http://www ...
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Amazon.com: Selling Real Estate Without Paying Taxes: Capital ...Between the two, Federal and State taxes can be as much as one third of the profit on the sale of a property. Both individual investors and real estate ...
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ExpatExchange.com: The Foreign Exchange Weekly - Newsletter ...Sign Up Here for our bi-weekly Real Estate & Job Classified Update e-mail to receive ... before we make a decision .... your help would be much appreciated! ...
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CIRE Magazine :: A PAT AnswerFor example, a PAT can be used to exchange down into a smaller 1031 property ... In the current market, many sellers of highly appreciated real estate have ...
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Letters of AppreciationReal Estate Auction Sales, Providing Superior Sales Results For Our Clients Since ... Your presence at the auction was much appreciated and was definitely a ...
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RealEstateJournal | Interest Rates, Fuel Costs Partner To Derail ...In Hooper, located in Weber County, prices appreciated 40% in the first quarter to ... Agents are offering lower real-estate commissions in exchange for ...
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Pyramiding - Real Estate Pyramidingreal estate investor, you can choose the optimum time to pyramid your real estate. investments based on how much your properties have appreciated in value ...
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Invest IRA in Real Estate

2006-12-02T18:22:00.000-08:00

The underlying premise for any real estate investment purchased with IRA funds ... If you expect to buy a real estate investment in an IRA and hold it for a ...
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Field Guide to Investing in Real Estate (NAR Information Central)Put some real estate in your IRA: Take charge of your nest egg by investing in real estate through a self-directed IRA, (Texas REALTOR® , Sept./Oct. 2005). ...
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Self Directed IRA | Self Directed 401k | Real Estate IRA ...Self Directed IRA | Self Directed 401k | Real Estate IRA | Investing | 401k | ROTH are a client's choice for a truly self-directed checkbook IRA.
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Invest Your IRA in Real Estate? - Kiplinger.comPainful memories of the bear market and continued frustration over low interest rates have a lot of investors looking beyond stocks, bonds and mutual funds ...
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MONEY Magazine: Is real estate right for your IRA? - Aug. 11, 2005If you really feel you must add real estate to your IRA, I'd recommend investing 10 to 15 percent of your account in REITs or, better yet, a real estate ...
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IRA InvestingWhile it can be a problem for an IRA owner to borrow from an IRA, investing in leveraged real estate—with the IRA trust holding title to the assets—may be ...
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PENSCO Trust Self-Directed IRA - Investment Options: Real Estate ...PENSCO Trust is the leading provider of self-directed IRAs. We offer expertise and services in the the following areas: IRAs, real estate iras, ...
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Realty Times - Real Estate News and AdviceCommercial Real Estate Investing With Your IRA by Phoebe Chongchua. A small but growing number of people are using their retirement funds to invest in ...
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FOXNews.com - Get Real About Real Estate for Your IRA - Mutual ...Can you see why having your IRA invest in real estate makes me extremely nervous? ... In conclusion, directly investing your IRA in real estate is not ...
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Self-directed IRA at Equity Trust Company: Invest in Real Estate ...Equity Trust Company: the leading self directed IRA custodian puts you in control. Investment options include Real Estate IRAs, Private Placement IRAs and ...
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Getting a Repairman for houses

2006-12-02T18:21:00.000-08:00

Is there anything special I need to know about getting a group house? ... Can my landlord enter my apartment -- or let repairmen in -- when I'm not there? ...
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Getting Connected: Modern Safety and SecurityPerhaps the refrigerator repairman has called the homeowner's work phone to say he's at the house but the front door is locked. ...
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Amazon.ca: Legacies : A Repairman Jack Novel: Books: F. Paul WilsonUrban mercenary Repairman Jack is back after a long hiatus, but Wilson's ... a house she wants destroyed, given its dark past, but someone is getting in her ...
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How to find a good appliance repairman - Oldhouseweb.comHow to find a good appliance repairman - It's Saturday morning ... and Mr. ... The Old House Web network of remodeling and home improvement web sites: ...
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Amazon.com: Legacies: A Repairman Jack Novel (Repairman Jack ...Where is he getting the money for the Million-Dollar offers he's making for the house? Could the house hold a secret worth killing for. ...
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NPR : The Vanishing Craft of the Typewriter RepairmanBut typewriter repairmen are a vanishing breed. Up on the eighth floor of the Flatiron ... Owner): It's getting to be that I'm one of the last of the breed. ...
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Default Safari Online - 1592009883 - Cut the Cord! The Consumer's ...Getting the Most from VoIP > Increasing Quality ... Up to the house, the wiring is the phone company's responsibility, but from the box through the house, ...
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A woman needs a repairman - SalonMy father hacked with a pair of needle-nose pliers at anything my mother was not willing to call a repairman to fix. Now when something breaks in the house, ...
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Gender Jokes: Getting EvenGetting Even. The nasty man gave his now ex-wife just 3 days to move out. ... over to visit ... repairmen refused to work in the house ... the maid quit . ...
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Samuel Bodman hosts Ask the White HouseThe repairmen and women are doing heroic work on the lines to get power back up. Every day we are seeing progress and more and more people are getting ...
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Real Estate Tax Shelters

2006-12-02T18:00:00.002-08:00

Real Estate Tax Shelters

Indeed, it's such a good tax shelter that as Rep. Pete Stark put it memorably, "It'd take a genius to invest in real estate and pay taxes. ...
articles.moneycentral.msn.com/Taxes/TaxShelters/TaxSheltersStillExistAndCanSaveYouMoney.aspx - 25k - Cached - Similar pages

Home, the mother of all tax shelters - MSN MoneyYou've heard me talk about how owning a home is the world's greatest tax shelter. ... I want to meet your real-estate agent and get in on the gold mine. ...
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Real Estate - Resource CenterYour Home as a Tax Shelter: Top Ten Tax Deductions for Owning Your Home ... Real Estate Forms. Challenge Incorrect Credit Report Entry ...
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Your Home as a Tax Shelter: Top Ten Tax Deductions for Owning Your ...Your Home as a Tax Shelter: Top Ten Tax Deductions for Owning Your Home ... For Sale By Owner in California by George Devine, California Real Estate Broker. ...
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Gimme Shelter -- Tax Shelter That Is: Utilizing the 1031 ExchangeGimme Shelter -- Tax Shelter That Is Utilizing the 1031 Exchange ... With a 1031 Exchange, the property owner can sell real estate that is income, ...
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Audit-Proofing Strategies: Identifying an Abusive Tax ShelterThe rate of return on investment for an abusive tax shelter is much lower than ... Many real estate ventures are profit oriented with tax benefits only a ...
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Anatomy of a real estate tax shelter.Anatomy of a real estate tax shelter. Brucker AP.MeSH Terms Income Tax* Investments* United States PMID: 7207068 [PubMed - indexed for MEDLINE]
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Tax Shelter InvestmentsTaxpayers must specifically identify any tax shelter investment deductions or credits, ... Rental Real Estate and Real Estate Limited Partnerships ...
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TAX SHELTERSFor this reason, many tax shelter products are marketed in the last quarter of the year. ... Tax shelters of this type include real estate or software, ...
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Real Estate Deductions at CompleteTax.com: Real Estate Taxes ...Real Estate Deductions. For many people, a home is not only a shelter for their family, but also the only real tax shelter available. At CompleteTax, we can ...
www.completetax.com/Real-Estate-Tax-Information.asp - 3

Rate the Mail Order Courses

2006-12-02T17:57:00.000-08:00

Rate the Mail Order Courses

John T. Reed's view of various real estate investment gurus
I will not return it and I cannot guarantee to rate the guru. ... the best-selling book How to Become Financially Independent by Investing in Real Estate. ...
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Darius Barazandeh: Tax Lien Certificates: Investing in Real Estate ...You will soon learn that when you purchase the course I will provide you with ... How Do the Interest Rate and Redemption Time Period Affect My Return on ...
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Investing In Real Estate - Finding FundingInvesting In Real Estate - Finding Funding. ... You will get a favorable interest rate with good credit, the higher your credit score, the lower your ...
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Make Your Own Real Estate Investing CourseHave you ever ordered a real estate investing course off of a late night ... Please Rate This Article: Votes | Average: 0 out of 5 Votes | Average: 0 out of ...
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[ More results from ezinearticles.com ]

Amazon.com: Investing in Real Estate With Lease Options and ...Amazon.com: Investing in Real Estate With Lease Options and "Subject-To" Deals ... rate, accountability partner, option agreement, real estate course, ...
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Amazon.com: Millionaire Real Estate Mentor: Investing in Real ...Amazon.com: Millionaire Real Estate Mentor: Investing in Real Estate: A ... mostly people that have taken his course and done well in real estate, ...
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[ More results from www.amazon.com ]

Real Estate Investing Course and Book on Tax Foreclosure Sales and ...In fact, I have never seen a better time for investing in real estate than right now. ... How high is the rate of return on tax lien certificates? ...
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Rental Housing On Line Home - Investing in Real EstateValuing e-Course ... You want a higher rate. Investing in real estate for Short term gains can be done when you are getting a good long-term appreciation ...
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Ground your retirement fund with real estate - MSN MoneyPerhaps the biggest drawback to investing in real estate for a ... And, of course, you can borrow the money to finance the property and pay the UBIT. ...
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Transitions - Boomers course, Fall 2006 - Investing In Real Estate ...Investing In Real Estate – The Essentials. Course #: CCR 583.01 ... ($60 Preferred Employer rate) (NCCCR membership not required) ...
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How to Manage Rental Property

2006-12-02T17:42:00.000-08:00

How to Manage Rental Property

How to Manage Rental Property
Your vote has been counted. Difficulty: Challenging. If you plan to manage rental property, you'll need organizational and management skills, ...
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Real Estate - Real Estate Australia - Property and Homes for Sale ...... buying property, selling property, or rental property. save your money and time ... Appionting L.J. Hooker to manage your property can be a rewarding ...
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NSW Office of Fair Trading: CorporateThe Fair Trading fact sheet titled Self managing your rental property provides an explanation of the basic responsibilities of a landlord to their tenant at ...
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NSW Office of Fair Trading: CorporateThe Office of Fair Trading fact sheet Using an agent to manage your rental property provides more information on this subject. ...
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INFO RENT PacketThis property owner's packet is to be used as a tool to assist you in managing your rental property. Please review the packet and utilize any of its ...
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Tenant.com / Tenant.com / YearlyRentals.com - Apartment rentals ...You can list your rental property in minutes and expose it to thousands of renters ... as a weekly rental than your next step will be to manage your rates. ...
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Online Vacation Rental Management Software: Market & Manage Your ...You see, VRConnection was built by property owners who found that managing your own rental property can turn into a "full-time-job". ...
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eBay Guides - Managing your rental propertyWith income property, your income depends on how well you manage your tenants. So it is in your best interest to perfect the art of finding and keeping good ...
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Property Management Software - Quicken Rental PropertyRental Property Manager 2.0 organizes your rental income and expenses in one ... Quicken Rental Property Manager is a good tool for people who manage a few ...
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Rent - Modern property management software. RentMaster is a rental ...Rental Property Manager (RPM) is a one-stop database for managing your rental property information. RPM is designed by a property manager to meet your ...
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Finding Profitable Renters or Properties

2006-12-02T17:14:00.000-08:00

Finding Profitable Renters or Properties

TEN TIPS
One of the keys to being a successful landlord is finding profitable rental properties. There are many different steps to take in your search for the ...
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How to find good investment property - MSN MoneyOnce you've made the decision to buy rental property, your real work begins. Finding a profitable rental property usually takes time, connections and plenty ...
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Find Real Estate News, Mortgage News, Home Loans and Homes for ...Investing in Real Estate Can Be Profitable Nov 10, 2006, 7:17 am PST ... Investing in rental property allows for a steady and reliable stream of cash flow ...
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Amazon.com: How to Find, Buy and Turnaround Small, Mismanaged ...Amazon.com: How to Find, Buy and Turnaround Small, Mismanaged Rental Properties for Maximum Profit: Books: Thomas J. Lucier by Thomas J. Lucier.
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Amazon.com: Profitable Real Estate Investing : Making Big Money ...Amazon.com: Profitable Real Estate Investing : Making Big Money, Finding the Right Properties, ... rental portfolio, conversion properties, inspection firm, ...
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Investing in Real Estate Can Be Profitable- Quicken Loans - 5:47pmInvesting in rental property allows for a steady and reliable stream of cash ... Find a reputable real estate agent: A good real estate professional can ...
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Rental Property Reporter--the landlord guide to profitable ...Rental Property Reporter is your landlord guide for a profitable lease management experience. ... Find an Apartment or Landlord Association Near You ...
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Renters Rights and News Canada: Social Justice IssuesSocial Justice for Ontario Renters: issues and news about tenant rights, rent deposit ... Large landlords still find apartments so profitable that they are ...
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Rent » The Real Estate BloggersConsumer Reports has an article that goes through the steps to own a profitable rental home. I found this excerpt on finding the ideal property that makes a ...
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Destination Villas - Vacation Rental – Rent By Owner –Make your ...Profitable Properties. Check back often to find new featured articles, ... Instead, the Site acts as a venue to allow anyone to offer for rent, or rent, ...
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Invest in Tri-Plexes and Four Plexes

2006-12-02T16:51:00.000-08:00

Invest in Tri-Plexes and Four Plexes

Arizona - Duplexes, Triplexes, Fourplexes in Phoenix AreaHigh rents and low prices make Phoenix a great investment market. ... Duplexes (2 attached units), 3-Plexes (3 attached units), and 4-Plexes (4 attached ...
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[PDF] Investment Report 06/07.qxd (Page 1)File Format: PDF/Adobe Acrobat - View as HTML
Sales of duplexes, triplexes, and. four-plexes remained relatively steady until 2004 ... RE/MAX • INVESTMENT REPOR. T • 2006/2007 •. 4 ...
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Apartment and Rental Directory - By States : California... Multi Family Residential Units, Duplexes, Triplexes, four plexes, REO, ... Apartments For Sale In California As Investment Real Estate ...
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Mortgage Intelligence's - SunCoast Team: PurchaseConsider tucking a rental property into your investment portfolio ... And other multi-unit properties – duplexes, triplexes and four-plexes – are also ...
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Investing in Cache Valley Real Estate and Logan PropertiesA good rental investment will create positive cash flow and appreciation. Cache Valley has a plethora of duplexes, triplexes, four plexes, and commercial ...
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Amazon.com: All About Real Estate Investing: The Easy Way to Get ...The book discusses the pros and cons of the different types of investments, such as single family dwellings, duplexes, triplexes and qaudriplexes, ...
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Boise Idaho Real Estate - Virtually Tour EVERY Real Estate Listing ...Darrin also helps clients locate investment properties like rental homes, duplexes, triplexes, four plexes and appartment building.
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eBay Guides - What Kind Of Property Are you interested in‘Plexes: Duplexes, triplexes and four-plexes are often the easiest entrance ... If you plan to invest in commercial property, it is best to work with an ...
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Fresno / Clovis Investment Real Estate Broker, Larry Hawkins Real ...Investing in Property? Click for Tips & Tools ... including single-family homes, duplexes, triplexes, four plexes, and apartment complexes of all sizes. ...
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Oregon Judicial Department - Publications... with some duplexes, triplexes, four-plexes, and one five-plex. ... Plaintiff Clyde Brummell (Clyde) views the properties as investments on which he ...
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