CashFlow Express - featuring Tarek and Christina El Moussa from the HGTV's Hit Show FLIP OR FLOP! by Realty411

Ca$hFlow EXPRESS

Vol. 2, No. 3, 2015

Passive Income for Today & Tomorrow

PRICELESS

TV’s Favorite Fix & Flip Family Tarek & Christina from HGTV’s “Flip Or Flop” Exclusive by Tim Houghten

Unconventional advice from Tarek El Moussa on being on top versus having a flip flop.

cooping a few minutes with the busy star of HGTV’s “Flip or Flop” reality show, Tarek El Moussa, we managed to get his latest tips on what it takes to stay on top in California’s hot housing market. It’s not what you would expect… Flip or Flop Tarek and Christina El Moussa are the celebrity house flippers on HGTV’s hit show “Flip or Flop.” The Orange County, Calif., real estate power couple are rapidly becoming some of the best known personalities in the business. Having been in for the ride since before the last bubble burst, these two real estate pros bring a fresh and raw perspective on what it really takes to win in one of the hottest markets in the country, no matter what wrenches are thrown in the works. Real Estate can be a White-Knuckle Ride In our exclusive interview with Tarek El Moussa we discover some of the unconventional, atypical advice and tactics it takes to succeed behind the scenes. If anyone should know what it takes, it is Tarek and Christina. Press coverage of the OC couple’s new Flip Advantage Education seminar series reveals that when the market flopped Tarek went from selling multi-million dollar California mansions like hotcakes to trading his Benz for a Honda, and a $6,000 per month mortgage payment for sharing a $700 per

Randy Reiff, CEO of FirstKey Lending

Tarek and Christina El Moussa, from HGTV’s “Flip or Flop” embrace their daughter, Taylor Reese El Moussa.

For two long years Tarek admits “it was a struggle to pay the bills.” In 2007, El Moussa recalls “putting in 12-hour days with no paycheck coming in for about 4 months.” month apartment. For two long years Tarek admits “it was a struggle to pay the bills.” In 2007, El Moussa recalls “putting in 12-hour days with no paycheck coming in for about 4 months.” This may not be a level of transparency that most real estate gurus are comfortable with, but it is this level of authenticity that is needed to impress upon newcomers what it really takes to win in real estate year after year. So how did Tarek manage to beat

the worst recession and housing crunch most of us have lived through, and how is he making sure he is never forced to downsize again? What do Tarek and Mark Cuban Have in Common? While in the past El Moussa has said there is an element of stepping out and being willing to take risks to achieve rewards in flipping houses, he tells me that what got him through the dip was “I refuse to fail,” and commit-

ting to “outwork and out-study” the competition. This echoes of recent Mark Cuban remarks that success isn’t about who you know or how much you have to start with, but your willingness to go the extra mile. Being a big advocate of education, how does Tarek recommend investors beef up their knowledge and expertise? “Seminars, books, magazines, and attending investor clubs.” Continued on pg. 8

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Green Energy Growth Creates Investor Opportunities in Challenges in the Electrical Grid Hydro Power by Dave Franecki

ew England’s electricity prices are directly impacted by weather conditions, the regions extreme reliance on natural gas supplies, and the cost of oil and demand. The environmentalists and the current administration are targeting the 1950s and 1960s era coal and oil plants for closure to meet new pollution control standards.

in the next year, according to an analysis by consultants at Competitive Energy Services. While prices are rising throughout New England, the analysis shows Maine’s unit price for natural gas is about two-thirds higher than New Hampshire and ten times the price in New York. Wholesale electricity prices are a function of fuel prices. Shortages in natural gas spikes pricing, which also increases the wholesale price that a hydro facility can command. There is enough generation capacity but an acute shortage of natural gas to fire the electric plants. There is plenty of natural Marcellus shale gas. There are four pipelines currently in New England (all west of the Hudson River). A fifth gasoline is needed, which the shippers will not fund. There is no quick fix; this will take several years to remedy. Numerous utilities across New England have announced electricity rates that are some of the highest in the history of the continental United States, and it’s a problem that’s expected to get worse before it gets better. The problem is that on the coldest days, there just isn’t enough space in the pipelines to go around. So when the temperatures drop, demand rises and electric plants bid up the prices, easily five times higher on certain cold days. The reason that supply is constrained at times of extreme cold is because heating demand gets first dibs on any natural gas pipeline capacity. What’s

Nuclear plants are also casualties of the same effort. Without this much needed capacity, production is very expensive. These closures are creating huge problems for Northern New England, in particular New Hampshire and Maine. The only current potential generation source is natural gas fired generation. Last year, natural gas provided 52 percent of New England’s electricity, and that share is expected to grow. Gas is generally cheaper than other energy sources. About 30 percent of the generators in the New England region burn coal and oil but they produce less than one percent of the energy because they run so seldom. New England is the most vulnerable to overreliance on natural gas, caused by a shortage of pipeline capacity. Since 2010 demand has outpaced delivery capacity of gas infrastructure. The underlying issue in New England is that gas pipeline capacity is inadequate to keep prices steady in times of high home heating demand. An ISO-NE (Independent System Operators of New England) study concluded that reliability is intertwined with price. The constraints are also affecting industrial natural gas customers, who are expected to see prices for fuel jump by more than 60 percent

Co-published by Realty411

Continued on pg. 8

CashFlow Express • Page 3

(415) 883-2150

Hall in Culver City. Fast forward to the present and our company has hosted events in San Diego, Indianapolis, Los Angeles, San Jose, Scottsdale, Pismo PacificPrivateMoney.com PRIVATE MONEY LOANS Beach, Seattle, Atlanta and even New York City just this year alone! It’s a 1604 Grant Ave., Novato, CA 94945 California Department of Real Estate Brokers #1897444 dream come true, and we plan on hosting many more expos and mixers around the nation, including upcoming events in Florida, Missouri, Ohio, and Texas. Our largest expo has attracted up to 300 people and our smaller events EXPRESS EXPRESS regularly unite an exclusive group of veteran real estate leaders. We plan on expanding our events even further. My goals are lofty: I envision some day hosting international real estate conferences — this is precisely how much I Passive Income for Today & Tomorrow FREE enjoy and believe in the power of networking. Passive Income forSpring Today & Tomorrow FREE Contents 2015 Contents - 2014 Manifest a It is a pleasure and privilege to meet the readers of our numerous publicaInvestors Learn How to Create Stock Investors Manifest a Learn How “Flip to Create Stock 15 Five Land Trust Stories 1 Meet HGTV’s or Flop” Family hat our a perfect time tions. We produce quarterly glossy Realty411 magazine, with Real Estate Market WealthOffers Today “Cashflow” Mindset 12 & 18 AttractMindset Private Lenders 1 FirstKey MarketLending Wealth TodayOptions “Cashflow” to look back at Wealth as an alternate cover. We have separate distribution and websites for 13 Investing in Texas Land 3 Green Energy Opportunities 13 Investing in Texas Land 4 Publisher’s Welcome Note the previous 12 each. The 100-page glossy is available at no charge at selected grocery stores, 16 The REI Roadmap Tours 4 Publisher’s Welcome Note months and re15 The Investment Lab is Open 5 The Millionaire Maker Returns and will soon be available in bookstores across the country. flect on all of the outstanding 18 Tax Advantages & Multifamily 6 Solar Advantages for Investors Next, we haveyear. our REI a digital and interactive issue spe16 Incorporate a Business 6 Management Tips by Pam Texas moments of the It's Wealth also Monthly, ber in your Meetup Group could cifically designed online enjoyment. It was created for the Apple News19 Get Started as a Rehabber 10 Crowdfunding Comes of Age important to take for an honest look end up being your next private 21 & 23 CashFlow Resources 7 Out-of-State Investment Advice stand by Noland Araracap, a San Diego-based technology enthusiast. at some of the mistakes we may lender or business partner.Next, Oneof 20 From Zero to $20K Monthly 11 Setting Probate Goals in 2015 24 Scenes from Our Expos 9 Rehab with Andrew Cordle have made along the way. course, is our newspaper CashFlow Express, whichknows! is directly distributed at just never 26-29 Mingle & Connect with Us 14 North Dakota’s Oil Boom If you notand add some and realat selectedChances our live did expos mixers, real estateare events support that that you we picked up 26 How to Avoid Capital Gains 10 Q-n-A with Zinc Financial estate to your portfolio in 2014, this issue of CashFlow Express at and sponsor around the country. depending on where you live, this one of our real expos around For the rest of the year, in addition to expanding our estate calendar of live exlack of activity could mean missthe country, so I want to congratupos, we will continue to expand our media and marketing company with spePRESIDENT FOUNDER & EDITOR PUBLISHED BY FOUNDER ing out on a strong momentum late you for taking the time out of Nikolaos K. Pliagas Linda Pliagas Realty411 cial print supplements and new online websites. We just completed our first Linda Pliagas of appreciation. While markets PUBLISHED BY info@realty411guide.com your busy day to join us. We realADVERTISING pliagas@msn.com Private Money 411 andthat are starting It is our Realty411 Magazine EDITORIALSTAFF STAFF differ according to Special region,Supplement in the 805.693.1497 ize in orderthetosecond! see results in EDITORIAL EVENTS&&EXPOS EXPOS Tim Houghten EVENTS mission to be an all-encompassing resource of information for investors. In Hannah Ash coastal portion of California, our our real estate, business and life, Lawrence Ruano LoriPeebles Peebles Teri Burke Lori home base, the markets closing, I’d like to add thathave if werecan assist in any way,out or ifofyou any WEBSITE StephanieMojica Mojica weyou need to step ourhave comfort Suzanne Lilly Stephanie Maria Victoria COPY EDITOR bounded substantially for the past Lawrence Ruano zones let and It's feedback on our publications or events, please mebuild know.connections. Your suggestions COPY EDITOR Morgan Schaal GROW YOUR BUSINESS WITH US! WEBSITE Lori Peebles couple of years. crucial to meet others who are and comments are always welcomed. PHOTOGRAPHER FOR ADVERTISING INFORMATION: Maria Victoria PHOTOGRAPHER The investors who were astute successful in the niche you want JohnDeCindis DeCindis TO REACH US, CALL: John 805.693.1497 PRODUCTION enough to close deals the past to excel in. Get to know them, Personal Finance News from the Publishers of Realty411 Magazine - www.Realty411Guide.com PRODUCTION 310.499.9545 We provide FREE Copies for Lori Peebles Personal Finance News from the Publishers of Realty411 Magazine - www.Realty411Guide.com Lori Peebles few years are certainly smiling We provide complimentary copies ask them questions, listen to their your Meetup Group or REIA AugustoMeneses Meneses Augusto Contact us: 310.499.9545 or info@realty411guide.com for your CashFlow group or REIA now and celebrating a prosperous strategies and warnings. Don't be CashFlow Express is published in Santa Barbara County by Realty411. © Copyright 2013. All Rights CashFlow Express is published in Santa Barbara County by Realty411. © Copyright 2013. All Rights Be Social and Receive Regular Updates frommentor Me on: New Year. Reserved. Reproduction without permission is strictly prohibited. The opinions expressed by writers and afraid to invest in a solid Reserved. Reproduction without permission is strictly prohibited. The opinions expressed by writers and columnists are not endorsed by the publishers and/or editorial staff. Before investing in real estate, Facebook, Twitter, LinkedIn, Pinterest, Google+ columnists are not endorsed by the publishers and/or editorial staff. Before investing in real estate, While real estate does have or coach. Connecting with a leader stocks, bonds, mutual funds, gold, or securities, seek the advisement of a trusted financial advisor, stocks, bonds, mutual funds, gold, or securities, seek the advisement of a trusted financial advisor, similarities to stocks, in which who can steer you in the right attorney or tax consultant. Investing in any asset and market sector is risky business and may result in attorney or tax consultant. Investing in any asset and market sector is risky business and may result in the loss loss of of capital. capital. Please Please invest invest responsibly. responsibly. PRINTED PRINTED IN IN THE THE USA USA ~ ~ GOD GOD BLESS BLESS AMERICA AMERICA DISCLOSURE INFORMATION FOR READERS AND EXPO the nice profits canAND be reaped by direction and hold you GUESTS accountable The publications, events, expos and mixers promoted by Realty411guide.com Connect to our virtual network ~ Search for us here: timing transactions, the truth is, can make all the difference inand/ your or their owners, employees agents and affiliates (collectively “411”) are for informainvestors can make money at life. tional and entertainment purposes ONLY. The information and presentations provided any time sectors. Invesdon't have to venture into therein doin notboth constitute an offer or solicitationYou to buy or sell securities or real estate. Please aware across that real deals estate investing RISKY. 411 is notchart responsible tors canbecome when is VERY unknown territory, your for any of the information provided statistical presented, and do notof reflect they least expect it. The act and/or of coursedata with the assistance oththe opinions, advice or research of 411. You personally are 100% responsible for your creating real estate wealth is not ersand who traveled those roads due diligence, for all investment information forhave all decisions with respect to limited to a certain time of year, 411beforehand. And ifthat youyou can't any potential investment or transaction. strongly recommends seekfind the region oryour asset class. The posadvice of trusted attorney, broker, CPA and/or financial adviser it in your budget tobefore hire ainvesting. mensibility of turning a problematic Disclosure and Information - Attention All: tor, then you definitely want to CashFlow Express • Page 4 around can happen at property The publications, events, expos and mixers produced and promoted by attend real estate events, mixRealty411guide.com, reWEALTHmag.com and/or their owners, emany time and in any place. ers, meetings and expos, and ask ployees, agents and affiliates (collectively “411”) are for informational Investors are problems solvers, a lot of questions. If the experts and entertainment purposes ONLY. The information and presentations and we live in a reality where and industry gurus are at a public provided therein do not constitute an offer or solicitation to buy or sell distressed sellers, neglected event, it's because they want to securities or real estate. Please be aware that real estate investing is properties, marital splits, and be a resource and give back, they VERY RISKY. 411 is not responsible for any of the information provided homeowner deaths will never are there for you. Don't disappoint and/or statistical data presented, and 411 does not represent that any cease. My point is that it's never them by being afraid to engage in information or opinions expressed and data provided reflect the opintoo late for you to get started in conversation. ions, advice and research of the publishers, editors, columnists, venbuilding your real estate portfolio dors, speakers, sponsors, guests who are in attendance at the events, I encourage all readers to step and do not reflect the opinions, advice or research of 411. By attending or expanding it further. out of their comfort zones and into 411 events you acknowledge that the investment strategies mentioned When we host expos around the public forums. Put the cell phone may not be suitable for you, that any real estate investment is inhercountry, I meet investors from down, get off social media, and go ently risky, that all investments are subject to risks, which could result every age group. Once we had a shake hands with someone new. in the entire loss of your investment, and that 411 is not responsible high school student attend with Go ahead... rub elbows and trade for any losses or outcome of any investment made by you from or after her grandfather! business cards. Success isn't going 411 events, or as a result of contacts made at these events as well as to find you while your cocooning It's exhilarating to know we after reading 411 publications. You personally are 100% responsible for at home or in the office. unite people of all ages for one your due diligence, for all investment information and for all decisions with respect to any potential investment or transaction. 411 does not day to celebrate a common pasIt's 2015, and your next big deal endorse, and has not performed due diligence on any of the columsion and purpose. The sharing of awaits... nists, advertisers, vendors, speakers, sponsors, companies and guests ideas, experiences and concepts Are you ready? who appear at our events or in our publications. The information precan open our minds. A new tip sented at any 411 event related to any potential real estate investment can be the missing link to our is general in nature and does not constitute legal, tax or investment adcurrent problem. That new mem-

2015... the commencement of a New Year.

Ca$hFlow No. 1 / Vol. 1 2012

No. 1 / Vol. 1 2012

estate investing, trading stocks, building By Doug Carver a strong MLM business, etc. Youbuilding will not Organizer Pasadena and Burbank estate investing, trading stocks, By Doug Carver It’s like tryingetc. to grow cornnot in Cashflow Meetup Groups asucceed. strong MLM business, You will Organizer Pasadena and Burbank a field of sand. Thetrying seedstowill notcorn germisucceed. It’s like grow in Cashflow Meetup Groups nate and you’ll end up with next to nothcan remember my first time playa field of sand. The seeds will not germiing to harvest in the fall. ing remember Robert Kiyosaki’s Cashflow nate and you’ll end up with next to nothcan my first time playyou ask, board gameKiyosaki’s about eight years ingHow, to harvest in thedoes fall.this relate to the ing Robert Cashflow ago and howabout it eight years How, you ask, doesCashflow this relate game? to the board game Well, after playing started chain Cashflow game? ago and ahow it the game bunch of events that continues Well, after aplaying started a chain of times, I learned to this day. What stuck the game a bunch of events that continues thetimes, “howI learned to” of with mostWhat was not the of to thismeday. stuck getting out of “howmeto” of was playing the the “how to” the of with most not the rat race,out butofI still game to” but of the playing people that getting the “how the wasrace, notbutable to I met but at the rat I still game theevent. peopleThese that take what Iable learned were not like the normal was not to I met at the event. These fromwhat the game and people mythelife that take I learned were notinlike normal Doug Carver (left) and Chris Hanson disapply it to my realwould tell me I was crazy from the game and people in my life that play the Cashflow game to group members. life financial situfor trying mycrazy own Doug Carver (left) and Chris Hanson disapply it to my realwould tell to mestart I was ation.financial However, realtrying estate business or play the Cashflow game to group members. life situ-I for to start my own realized that the time Iation. was spending withI that financial freedomorwas impossible However, real estate business my newthat Cashflow was changing without a steady well-paying job. The realized the timefriends I was spending with that financial freedom was impossible the new way Cashflow I thought friends about money and my people Ia met were excited about my was changing without steady well-paying job. learnThe financial no longer viewed the ing andI expanding their knowledge on the way I future. thoughtI about money and my people met were excited about learnstock market as a giant rigged system for how to achieve financial freedom. They financial future. I no longer viewed the ing and expanding their knowledge on losingmarket money.asI abegan see the tremenweretoactive investors in freedom. real estateThey and stock giant to rigged system for how achieve financial dous opportunities in the sinking real esthe stock market. Theyinwere losing money. I began to see the tremenwere active investors real small estatebusiand tate market even asinmany peoplereal I knew nessstock owners withThey a passion and vision dous opportunities the sinking esthe market. were small busiweremarket losing even money dealspeople that had gone for creating morea financial success in tate ason many I knew ness owners with passion and vision bad. losing Overall, I saw thethat firsthad timegone optheircreating lives. Overall, they hadsuccess a mindset were money onfor deals for more financial in portunities all around me to create wealth for prosperity that I like to call a “Cashbad. Overall, I saw for the first time optheir lives. Overall, they had a mindset even as theall newspapers constantly flow” mindset.that I like to call a “Cashportunities around metalked to create wealth for prosperity of theas“Great Recession.” A lot of people complain that Kiyosaki even the newspapers talked constantly flow” mindset. as aRecession.” result of my ongoing indoes the specific on of Today the “Great A lotnot of provide people complain thatdetails Kiyosaki volvement organizing how not people should his stratToday as playing a resultand of my ongoinglocal indoes provide theimplement specific details on Cashflow events Southern California, egiespeople to create financial freedom his volvement playingin and organizing local how should implement his in stratI have a events thriving estateCalifornia, investing bookstoand programs. Truth is he in never Cashflow in real Southern egies create financial freedom his business. It was after speaking with one spells out a step-by-step “how to” for I have a thriving real estate investing books and programs. Truth is he never of my Cashflow friends who was real building financial business. It was after speaking witha one spells out long-term a step-by-step “howfreedom. to” for estate I waswho encouraged to What he long-term does teach financial is far more imporof my investor Cashflowthat friends was a real building freedom. start wholesaling distressed properties. toIt tant, and that isteach howistofar create “Cashestate investor that I was encouraged What he does morea importurned out to be distressed a great decision. More flow”and mindset. Kiyosaki describes it in start wholesaling properties. It tant, that is how to create a “Cashrecently, begun to learn how toMore suchis book Cashflow Quadrant moving turned outI’ve to be a great decision. flow” mindset. Kiyosaki describes it in cessfullyI’ve tradebegun in thetostock yourbook mindset from theQuadrant E (employee) and recently, learnmarket how tousing suchis Cashflow moving options. As a self-proclaimed real estate S (self-employed) side of his Cashflow cessfully trade in the stock market using your mindset from the E (employee) and “zealot”, As I never would have dreamed of to the B (business and options. a self-proclaimed real estate Squadrant (self-employed) side of hisowner) Cashflow investingIinnever the equity HowevI (investor) the quadrant. In and lay“zealot”, would markets. have dreamed of quadrant to side the Bof(business owner) er, after playing Cashflow 202 with my terms, it’softhe shiftInfrom investing in the equity markets. HowevIman’s (investor) side the mental quadrant. layCashflow friend ,who is an 202 active trader, someone whoit’s seeks security at er, after playing Cashflow with my man’s terms, thefinancial mental shift from and learning about hisistrading system, all costs to someone who can confidently Cashflow friend ,who an active trader,I someone who seeks financial security at was learning able to about see thehisopportunity beforeI andcosts knowledgeably take can measured risks. and trading system, all to someone who confidently me. I now fully expect that investing in This is a simplistic definition but a very was able to see the opportunity before and knowledgeably take measured risks. the markets will be a huge of my fuimportant one to understand. the me. I now fully expect thatpart investing in This is a simplistic definitionWithout but a very turemarkets financial success in addition to fumy correct mindset, it really doesn’t matter the will be a huge part of my important one to understand. Without the how much you learn the “how to” matter of real ture financial success in addition to my correct mindset, it really doesn’t

By Tyrone Jackson

TheWealthyInvestor.net By Tyrone Jackson TheWealthyInvestor.net You can be rich canfrom You be owningfrom real rich estate and trading stocks.owning real We’ve all heard the story of the estate and trading stocks. little old all ladyheard whothe lived modestly We’ve story of the and worked as awho school teachlittle old lady lived modestly er for 40 years. She teachnever and worked as a school earned more than $35,000 per er for 40 years. She never year, owned a modest home, earned more than $35,000 per and shared life with two year, ownedher a modest home, cats.shared Once her she died, her relaand life with two tives Once discovered a $150,000 cats. she died, her relalife insurance policy and $1.5 tives discovered a $150,000 million in stocks thatand she$1.5 left life insurance policy to the inelementary million stocks that school’s she left scholarship fund. to the elementary school’s The national scholarship fund. media loves to The air these stories. It seems national media loves there are several ladies to air these stories. old It seems who fit seemly there are this several old unique ladies profile year after year. How could who fit this seemly unique that be?year after year. How could profile in stocks is not the thatInvesting be? world’s mostinchallenging task. the In Investing stocks is not fact, at itsmost core,challenging it’s very simple. world’s task.The In truthatisits that theit’s stock market creates fact, core, very simple. The millionaires every year. Investing in truth is that the stock market creates stocks, with every wealthyear. in mind, is easier millionaires Investing in than you think. stocks, with wealth in mind, is easier

Yes! Yes!

companies and products with which you are familiar. companies and products with which ever opened a can of youIfareyou’ve familiar. Coca Cola onever a hotopened summera day If you’ve can and of felt refreshed Coca Cola on aand hot invigorated, summer day why and not own the stock? It’s a productwhy you felt refreshed and invigorated, know a storyIt’s you understand. not ownwith the stock? a product you When with I say “a story you know a story you understand,” understand. I mean to “a saystory thatyou youunderstand,” understand When I say how theunderstand Coca Cola I mean to say that you Corporation how the Cocamakes Cola money, or makes to exCorporation press it money, orinto Wall exStreet itterms, you press in Wall understand Street terms, how you the company earns understand how revenue. Theearns more the company bottles and cans of revenue. The more Coke and thatcans Coca bottles of Cola sells around Coke that Coca the world day, Cola sellseach around the world largereach the comthe day, pany’s profit. Over the larger the comthe past ten years Coke (symbol pany’sstock profit. Over KO)past hastenrisen $40 per the yearsfrom Cokearound stock (symbol sharehas to arisen high from of $71 — $1000 inKO) around $40 per vestedtoina Coca Cola ten years share high of $71stock — $1000 inago would be Cola worthstock $4,100 vested in Coca ten today; years $10,000 invested in Coca Colatoday; stock ago would be worth $4,100 would beinvested worth $41,000 $10,000 in Cocatoday. Cola stock If you spend $41,000 more than $100 per would be worth today. year eating fast food, why not If you spend more than $100 own per the stock? Overfood, the past year eating fast why ten not years own McDonalds has the stock? stock Over (symbol the past MCD) ten years risen from astock low of $15 perMCD) share to McDonalds (symbol hasa high of $95a per risen from lowshare. of $15 per share to a

From A theRealty411 Publishers of Publication Realty411 Magazine

than you think. Invest In What You Know

Invest In What You Know Wanna be a good stock market investor? simple andmarket start with WannaKeep be a itgood stock investor? Keep it simple and start with

high of $95 per share. Continued on pg. 12 Continued on pg. 12

how much you learn the “how to” of real

LindaPliagas

Continued on pg. 2

vice. 411 strongly recommends that you seek the advice of your trusted attorney, broker, CPA and/or financial adviser before taking action as an investor. To contact us, please call (805) 693.1497 **Real estate, and all investing, is risky and may result in the entire loss of your principal investment. Please invest responsibly.

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CashFlow Express • Page 4

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SOLAR - How REALTORS and Investors Use it to Their Advantage L ®

ately, I am sure you have heard the word solar mentioned often. With the rising costs of electricity (raised at least once per year), it isn't a surprise that more and more interests in the solar industry are trending on Twitter and Google search feeds. This past summer homeowners with non-solar homes reported their outrage and concern due to their electricity bills pouring into the $200-$600 range. And it's only going up.

— this was the most common surveyed response for home buyers in 2014. And it's true. If a homebuyer does not buy a home with solar on it, the odds of them getting it installed after the fact, are especially high in inland areas and areas where there are larger cooling and heating consumptions.

Energy efficient and alternative energy homes are now being manufactured by developers looking to get ahead of the curve on the ever-booming industry. "Why buy the house that doesn't have solar on it when I can buy one that comes with it, installed and ready to use when I move into my new home?" When presented with the option of solar or no solar

This essentially presents a great opportunity for REALTORS® and investors. Investors are quickly realizing the capital gain from their solar investments. With a very small percentage of homes (under 5% nationwide) having solar, there are still government incentives in place to incentivize property owners to help alleviate the dependency on fossil fuel by incorporating renewable energy. These incentives are offered on the state and federal level, with many states maxed out already on the state rebates. This has helped to increase solar installations by 40% in the last couple years and with the 30% federal credit dissolving in 2016, it's no wonder there is a sense of urgency.

By Dave Franecki

Investors have multiple options: 1. Buy and Hold #1: Buy the property, purchase (not lease) their solar system for the home. Collect 30% federal credit and move in and enjoy the benefits of their solar system saving them money right away. 2. Buy and Hold #2: Buy the property, purchase (not lease) their solar system for the home. Collect 30% federal credit and rent out the property. They are the utility provider now, essentially, and can charge their tenant the amount they choose, for the use of the electricity or raise the asking price for the rent to include electricity.

Continued on pg. 22

CashFlow Express • Page 6

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The Perfect Gift

Green Energy Creates Investor Opportunities, pg. 3

left goes to power generation and, in the winter, that’s a smaller percentage. This caused the price of gas to double in each of the past two winters. The market response to this bottleneck can be seen in average wholesale natural gas prices, causing sudden spikes on the so-called spot market during the coldest days. In southern and central Maine, business customers will see their electricity rates jump from 6 cents per kilowatt hour in October to 15 cents in January to 11.5 cents in March. The country just experienced the coldest winter in a century. This winter is expected to be the same and the supply and demand cycle continue to worsen with the pricing continues to increase.

TV’s Favorite Fix and Flip Family, pg. 1

Tarek El Moussa also says he dedicates a lot of time just getting to know the local market and prices. While many investors have been indoctrinated to believe the MLS and REALTORS® are their arch enemies, Tarek suggests investors get access to the Multiple Listing Service and obtain their real estate licenses. Another strategy billionaire investor Mark Cuban and real estate flipper El Moussa have in common is diversification. Cuban has invested in a variety of startups, including real estate data service Motionloft. El Moussa says that to build in sustainability and longevity this time around he is acquiring “income producing assets,” and is diversifying into new companies and ventures including “TV, seminars, real estate sales, flipping houses and even the construction business.” On the Sizzling California Real Estate Market… Of the hot California housing market Tarek says

that one of the biggest mistakes he sees investors making every day is “over paying.” He notes that there are so many trying to get into to cash in on flipping houses and the rise in values. He insists you’ve got to “buy right” if you are going to make it. For Tarek this means knowing your numbers, and personally for him demanding at least a 12% net return on each deal. On the future of the OC property market he says that there is great reason to be bullish considering we are barely three years into appreciation of a new growth phase in the market, and that more conservative mortgage lending, and a high percentage of cash deals is creating a far stronger foundation, which will insulate the market from future fluctuations. In summary: Investors can do a lot to ensure their ongoing success in flipping California houses, but need to be prepared to put in the work, and be willing to invest in learning.

El Moussa says that to build in sustainability and longevity this time around he is acquiring “income producing assets,” and is diversifying into new companies and ventures including “TV, seminars, real estate sales, flipping houses and even the construction business.” CashFlow Express • Page 8

The Solution: Hydro Renaissance — A Profitable Opportunity The leaders of our country recently endorsed the use of hydropower as a viable renewable, sustainable, and alternative energy resource with the passage of the “Hydropower Regulatory Efficiency Act of 2013.” This legislation encourages the modification of current sites, thus boosting hydropower production, increasing efficiency, and reducing environmental impacts of hydropower. No one believes gas will stay low forever, thus, this is exactly the right time to invest in hydro. There is a large up-front capital cost, but once built, hydro power assets are nearly pure profit. No fuel, little maintenance, and little labor expense. Hydropower plants capture the energy of falling water to generate electricity. A turbine converts the kinetic energy of falling water into mechanical energy. Hydropower is consistent and profoundly efficient, with low Co2 output and zero greenhouse gas emissions. This innovative source of electricity works to keep our environment clean, while producing a renewable and sustainable source of energy.

Hydropower plants capture the energy of falling water to generate electricity. A turbine converts the kinetic energy of falling water into mechanical energy. DownEast Hydro, LLC, a Maine based company, provides the renewable energy market with a fresh, environmentally sound, fish and wildlife safe approach to small-scale hydroelectric generation. It supports the various environmental interest groups and develops parallel construction of fish passages at the power stations, while achieving a positive return on investment. Currently DownEast Hydro sees energy potential in old hydro dams and is focusing on developing five small existing Central Maine hydro sites. When fully operational, they will provide enough electricity to support 2,100 Mainers for one year, just a fraction of Maine’s 15% hydro capacity. The long-term goal is to acquire, develop, and manage additional small sites in Maine, New Hampshire and Vermont. Based on 30 years of flow data measured on site at each dam, the company is able to offer dependable estimates to potential electricity cost to buyers and a sensible business plan for investors. For investor inquires and questions or to contact the author, Dave Franecki, visit: http://downeasthydro.com/opportunity

Crowd Funding Comes of Age Realty Mogul Funds Institutional Quality Property

ealty Mogul, the online real estate capital platform connecting accredited and institutional investors to real estate investment opportunities, announced today that it has successfully crowdfunded the Lakeside at Town Center Apartment complex in the Atlanta suburb of Marietta, GA. Realty Mogul’s accredited investors contributed over $1.2 million through its online crowdfunding platform to help purchase a portion of the interest in this apartment complex from Arenda Capital Management, the project’s sponsor. “This transaction involved our first

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funding of a ‘Class A’ property, meaning one of the highest quality buildings in the local market area,” said Jilliene Helman, CEO of Realty Mogul. “These properties are typically highly valued by institutional investors, and it’s infrequent that individual accredited investors are able to participate in such opportunities. We were proud to work on this transaction with Arenda Capital Management, which had earlier partnered with Loma Linda University to purchase the property.” Built in 2001, the property is a 358-unit apartment community comprised of 14 garden-style apartment buildings along with a clubhouse/leasing center, several garage/storage buildings, swimming pool, tennis court, playground, fitness center, cyber café, and car wash facility. The 390,594 square foot property is already at 95% occupancy and is located near the huge Town Center Mall, a number of corporate office parks, and Kennesaw State University, one of the fastest growing > Continued on pg. 26

irstKey Lending revolutionized the real estate market for entrepreneurs investing in residential rental properties when it began offering its one of a kind single-property loan product earlier this year. A fully amortizing 30-year fixed rate loan with competitive rates and no prepayment penalty.

FirstKey Lending

Continues to Innovate

Makes 30 Year Loans Available to Portfolio Borrowers

FirstKey’s Express single-property loan product offered entrepreneurial landlords the ability to manage their cash flow by avoiding interest rate risk and large balloon payments at the end of the loan term. “We saw immediate demand for our Express property loans,” says Randy Reiff, CEO of FirstKey Lending. But, as a market leader, FirstKey is committed to making it even easier to invest in one- to four- family rentals and is constantly innovating to provide additional financing options to current and prospective customers. Responding to the success of its Express property loan product, FirstKey recently made significant enhancements to the Express program to bring the benefits of this unique product to entrepreneurial customers who own portfolios of more than 10 properties. FirstKey is now also offering 30-year fixed rate solutions for portfolio loans of up to $5

Photograph of Randy Reiff, CEO of FirstKey Lending

“With the introduction of this product, we are giving customers who are a bit less rate-sensitive the ability to choose a long term, fixed rate solution with complete prepayment flexibility,” said Reiff. million dollars with no restrictions on the number of properties financed. Like the single property loan, these portfolio loans have no prepayment penalties, making them even more attractive for entrepreneurial investors who want to lock in long-term financing but maintain flexibility to sell assets or manage their investments. “The needs of entrepreneurial investors are not necessarily the same as institutional investors. With the introduction of this product, we are giving customers who are a bit less rate-sensitive the ability to choose a long term, fixed rate solution with complete prepayment flexibility,” said Reiff. “Recognizing that the needs and aspirations of entrepreneurial borrowers might change over time is what inspired the original 30-year property product, and we are now thrilled to make it available for customers who want to borrow up to $5 million against their multi-property portfolios.” FirstKey was the first national lender to target entrepreneurial borrowers in the rental finance space and has prided itself on in-

novating a wide variety of programs meant to make it easier to invest in the SFR market. For FirstKey, it’s not just about the borrower’s credit score, but the strength of the borrower’s investment. FirstKey looks primarily at the property’s value and the cash flows to determine the investment’s ability to service and ultimately repay the debt. This evaluation model can make FirstKey’s financing products accessible to a wide range of customers. For entrepreneurial investors more interested in optimizing rate than term, FirstKey continues to offer Express portfolio loans under $5 million for 5, 7 or 10 years at some of the lowest fixed rates available in the SFR space. FirstKey’s wide range of products also includes options for many other types of investors. Premier provides non-recourse loans from $5,000,000 to $500 million to mid-size and institutional rental investors. For entrepreneurs more focused on fixing properties and selling them, FirstKey also offers loans for rehab projects between $100,000 and $1,000,000 through its Fix & Flip program. “We are proud to continue innovating and CashFlow Express • Page 11

improving our market-leading products to serve the unique needs of our entrepreneurial and institutional investors,” said Reiff. “Whether one property or 10,000, our suite of SFR finance products provides a variety of solutions to the entire spectrum of investors.” FirstKey continues to simplify the logistics of all its programs, streamlining the documentation process and increasing the ease of closing. These efforts make it easier to manage expenses and navigate the process for customers who may be financing their investments for the first time. FirstKey is backed by Cerberus Capital Management L.P., one of the country’s largest private investment funds, giving it the resources it needs to continue advancing in the market. FirstKey management said the recent moves were an effort to continue offering exciting new options and the value that its customers have come to expect. More information, please visit online: http://firstkeylending.com

Setting Probate Investment Goals that will Grow Your Business

By Leon McKenzie, US Probate Leads

art of the challenge for every business owner, no matter the industry, is balancing the daily needs of your business with a long term growth strategy. This is also true for entrepreneurs working in the probate industry. Taking the time to set investment goals will help you to grow your business over the long term. While this may seem like common sense, very few probate entrepreneurs take the time to set actionable goals and then track their progress. Simply put, they get too focused on the urgent and immediate needs of their business, whether it is responding to an email or taking a phone call, and don’t look to see if each of their actions helps them to move their business forward toward growth that builds profit. Taking the time to set probate investment goals is the single most important action you can take for your business as it virtually guarantees business growth and profitability.

Probate Offers Exceptional Opportunities

Unlike other industries, there are opportunities in probate that allow investors to meet their financial, business and personal goals easily. Before an investor takes the time to create and devise action plans for business goals, it is important to note that the probate industry encourages success with the way that it is structured. Executors, by the very nature of their job, are always interested in finding easy ways to complete the sale and distribution of assets to the heirs as dictated by the court. In the probate business, this means that of the estimated 100,000 probates filed each month in the United States, there are many, many options for real estate investors. These opportunities include discounts on commercial, residential and vacation home properties – many times of up to 50% off of current market rates. This is due to the need of the Executor to develop a cash flow that can take care of medical, funeral, tax and other bills. What does this have to do with setting goals? It means that taking the time to set goals for a probate real estate business is even more beneficial. Since the environment around the probate real estate industry is so favorable, investors can more quickly achieve well-set, actionable goals.

Grow Your Business with Goals

One of the first steps in building, or rebuilding, your business is to spend enough time preparing

Unlike other industries, there are opportunities in probate that allow investors to meet their financial, business and personal goals easily. to enter the market. Kurt Carlton, in his article about setting real estate investment goals, said, “The most important step for any individual that may be looking to get started in this niche market is proper preparation. This avenue of investing is not like buying a CD or a bond and putting it in your bottom drawer. If you buy a home and check on it a year later, it will not provide you with a small return and no headaches. On the other hand, if you tend to it and can play an active role in nurturing the home, it does stand to provide far greater returns on your money and opens a lot of doors to access tax benefits.” Clearly, real estate is an excellent investment if you take the time to adequately prepare yourself and your business. Understanding where you’d like to go with your probate real estate business is critical. There are many benefits to a real estate business – including long term income, equity built into homes, commercial properties and vacation homes, and quick sales that can generate profits and allow you to have cash on hand. Some probate investors choose only one of these paths, and some choose to take advantage of many of them. In order to pursue these goals, it is important to do planning prior to taking action. Overall, taking time to set goals for your business will help you to be more effective and efficient. A recently written article on goal setting said, “Studies CashFlow Express • Page 12

have shown that you will save ten minutes in execution for every minute that you invest in planning or goal setting. What an incredible return on your investment of time. How often would you invest in an investment where you put in a dollar and gotten dollars back?” If you want to see your probate business grow, then taking the time to set goals is critically important.

Setting Effective Goals

So many people set goals for their personal lives and their businesses each year. Just think about all of the people that set New Year’s resolutions and then never complete their dream. Whether the goal of your probate business is to build short-term income or develop a long-term investment portfolio, there are effective ways to set goals that will help you to achieve them. The most effective goals are set using the SMART process. Phil Putejovsky believes that it is critical that goals are defined in terms of outcome. He said, “A huge error in setting real estate goals is not describing the result clearly. Be specific. ‘Doing my first deal,’ is NOT a descriptive result. In fact, doing a deal is not the goal at all. Instead, making money is probably the goal because you can do your first deal and lose $10,000! Losing money is typically not what a budding real estate investor means

by a ‘deal.’ Instead of ‘doing my first deal,’ perhaps the description of the result could read as, ‘Buy my first positive cash flowing rental property that earns at least $200 per month without having to use my own cash or credit to acquire the property’ or ‘Close my first deal and earn $5,000 or more in net profits after all expenses.’” Knowing what a successful result is helps an investor to determine the steps needed in order to accomplish the goal. Another critical aspect to setting goals in the probate investment business is that they are time sensitive. If an investor sets a goal to “make money this year,” it not only doesn’t describe exactly what the goal is – in other words, how much money? – but it also doesn’t give it a specific time frame. A year can be a long time in business and a lot can happen. Regarding time-specific goals, Carlton said, “They have a time by which you need to accomplish them by. They also have interim steps along the way that can be monitored. These sub-deadlines or schedules are critical to success. There are no unrealistic goals; there are merely unrealistic timeframes.” In other words, if you want to build a probate business that has two million dollars in holdings, it can be done, but it may not be able to be done overnight. This is a case where setting goals in terms of phases can be even more important. The goals an investor sets for their probate real estate business should also be challenging. The writers at Real Estate Champions say, “Goals need to challenge you to capacity or beyond your current capacity. They will stretch you and mold you into a new person. Jim Rohn wisely said, ‘It’s not the money that makes the millionaire successful; it’s what he had to become (as a person) to earn a million dollars.’ If you took the money away from that millionaire that millionaire, would make it back twice as fast as before, because he learned the skill to make it in the first place.” As a probate investment business grows, the person running the business grows in knowledge and ability as well. This is the reason that setting challenging, big goals is critical. The other reason to set challenging, big goals is that they are entirely attainable in the probate industry. As discussed earlier, the probate industry is rife with opportunity that cannot be seen in other areas of real estate. In fact, investors have the upper hand in the probate real estate market since Executors need to sell properties in order to get the cash needed to close the probate.

Ask Questions to Develop Action Plans

As investors set their goals, they also need to develop the actionable part of the process. While many investors may say, “I would like to make $100,000 dollars this year,” figuring out how to get there is the hardest part of the process. This indicates the need for an action plan. Exactly what needs to be done to achieve a goal? Take time to think through the process by asking excellent questions. If an investor wants to net $100,000, here are just a few of the questions that can be asked to develop an action plan: •How much income do I need to make gross in order to net $100,000? •Do I want to make that money in rental profit or in buying and selling homes or by using a combination? •What roadblocks do I see ahead?

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Thinking through the process in terms of questions provides the environment for a much more creative problem solving process for probate investors.

What If Goals Aren’t Met?

Just like New Year’s resolutions, there are many times that goals aren’t met in probate. Does that mean

Continued on pg. 25

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Real Estate and the North Dakota Oil Boo

By Kenny Dewan, CEO MondayOne

Multifamily Development in North Dakota Taking Advantage of the Oil Boom and the Highest Rents in the Nation

very morning I wake up excited, and that energy keeps going throughout the day. Why? Because of what I see as the greatest opportunity in my 24 years of business life: Building housing for the oil workers in North Dakota. As a numbers-driven decision maker, here are the facts that I see: Oil production is growing – Three years ago North Dakota was producing 100,000 barrels of oil per day. Today production is up to 1,100,000 barrels of oil each day.

Bakken oil is a geopolitical game changer – In December 2012 the U.S. became the second largest oil-producing nation in the world (behind Saudi Arabia). In just three years the U.S. will be in a position to stop importing oil altogether. We can keep our dollars here, and our economy will no longer rely on OPEC’s whims. Full build-out is years away – It will take 60,000 plus oil wells to extract all of the Bakken oil. Currently there are only 10,500. But no matter how

A drawing of a MondayOne multifamily development. fast they drill new wells, the most the oil companies can get is about 2500 wells per year. This is why it is estimated that it will take about 20 years for the oil fields to fully develop. Housing is the oil companies’ biggest challenge – There are currently over 22,000 oil workers living in “man camps.” This is in addition to the man camps that are housing workers from service-related companies. Many, if not most, of these workers would move their families to the area if appropriate housing was available – but it’s not. Continued on pg. 26

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CONFIDENTIALITY & DISCLAIMER NOTICE THIS EXECUTIVE SUMMARY IS INTENDED ONLY FOR THE USE OF INDIVIDUAL OR ENTITY TO WHICH IT IS ADRESSED AND MAY CONTAIN INFORMATION THAT IS PRIVILEGED, CONFIDENTIAL AND EXEMPT FROM DISCLOSURE UNDER APPLICABLE LAW. THIS INFORMATION DOES NOT CONSTITUTE AN OFFER, OR THE SOLICITATION OF AN OFFER, OF ANY INVESTMENT. SUCH OFFERS ARE MADE ONLY BY THE PRIVATE PLACEMENT MEMORANDUM(S) RELATED TO SUCH INVESTMENT AND ONLY TO PERSONS AND IN CIRCUMSTANCES IN WHICH SUCH OFFERS MAY LEGALLY BE MADE WITHOUT VIOLATION OF U.S. FEDERAL OR STATE SECURITIES LAWS OR APPLICABLE LAWS AND REGULATIONS. ALL POTENTIAL INVESTORS MUST READ THE PRIVATE PLACEMENT MEMORANDUM AND NO PERSON MAY INVEST WITHOUT ACKNOWLEDGING RECEIPT AND COMPLETE REVIEW OF THE PRIVATE PLACEMENT MEMORANDUM. THE PRIVATE PLACEMENT MEMORANDUM CONTAINS DETAILED INFORMATION INCLUDING RISKS, CHARGES AND EXPENSES. THERE ARE RISKS INVOLVED WITH INVESTING IN REAL ESTATE, INCLUDING POSSIBLE LOSS OF PRINCIPAL. PAST PERFORMANCE IS NOT AN INDICATION OF FUTURE RESULTS. THE INFORMATION CONTAINED HEREIN IS NOT TO BE CONSTRUED AS INVESTMENT ADVICE. THESE ARE HIGHLY SPECULATIVE INVESTMENTS AND INVOLVES A HIGH DEGREE OF RISK. READ THE PRIVATE PLACEMENT MEMORANDUM CAREFULLY BEFORE YOU INVEST OR SEND MONEY. ALL INVESTORS MUST MEET SUITABILITY REQUIREMENTS AS STATED IN THE PRIVATE PLACEMENT MEMORANDUM(S). ANY PROPERTIES DEPICTED HEREIN ARE FOR ILLUSTRATIVE PURPOSES AND ARE NOT OWNED, SECURED, INTENDED TO BE SECURED, OR INTENDED TO BE ACQUIRED BY THE FUND(S) OR MONDAYONE, LLC. NEITHER THE SEC NOR ANY STATE SECURITIES COMMISSION HAS APPROVED OR DISAPPROVED OF THE SHARES IN THE FUND(S) OR PASSED UPON THE ADEQUACY OR ACCURACY OF THE PRIVATE PLACEMENT MEMORANDUM.

CashFlow Express • Page 14

By Randy Hughes, “Mr. Land Trust”

have been speaking and teaching about the many benefits of using a Land Trust to hold title to investment real estate for the last 15 years. Personally, I have been using Land Trusts for over 35 years and continue to discover new and creative ways to benefit from their use. You literally could not GIVE me a piece of real estate

5 Stories if I had to hold title in my own personal name…it’s not worth the risk! Yes, I use LLCs too, but NOT TO HOLD TITLE to rental real estate. Instead of me telling you about the benefits of using Land Trusts, this article will be about my students and how they came to use Land Trusts for privacy, asset protection and profits. The first story begins with a phone call to me from a prospective student (Jim) who wanted to learn how to create his own Land Trusts. I asked Jim why he was interested in creating his own Trusts. He answered by telling me that he owned 1,500 oil and gas leases and some of them go “boom” and some of them go “bust” and he thought my advice of putting each piece of real estate (leases are included in what can put in a Land Trust) into its own separate Trust was good advice. He went on to tell me that he did not want one or more bad leases to affect the good producing leases and he could see a huge benefit in not aggregating all of his leases in one entity (or his own personal name). Jim also understood that if he had to pay someone to create 1,500 Land Trusts it would cost him a fortune. So, learning how to create his own Trusts would save him thousands of dollars (and he would probably end up with a more personalized Trust anyway).

~~~~~ 2 ~~~~~ My second story comes from (Sue) in Florida. I received a call one breezy afternoon from this landlady in Florida. She told me that she needed to get my home study course as “quick as pos-

sible.” I asked, “What’s the hurry?” She went on to tell me that she owned seven rental properties plus her personal residence. One of her male tenants was “interested” in her and she was NOT interested in him. One of her tenants called her to tell her this guy came to her house looking for Sue (and it sounded like he was visiting each of her properties trying to find out which one was her personal residence!). He had merely looked up Sue’s name in the public records and found all the properties she owned! Wow, who would ever think that a Land Trust would help you avoid a stalker? Sue had learned a quick lesson in not holding title to ANY real estate in your own personal name. There are just no advantages…only disadvantages! Now, Sue wanted to learn how to create her own Land Trusts quickly and at no cost so she could get those properties out of her name. Since I have very few women staking me these days, I was glad to learn of another reason to use Land Trusts.

“personal issues” and felt that she would be better off not holding title to the investment real estate (with everyone in the world knowing that she was the owner). While Holly’s situation was more complicated than some of the other stories in this article, it served as an example of not waiting until your house is on fire to buy home owner’s insurance! Many people think that asset protection planning is just for the paranoid. Or, that they will wait until the wolf is at the door before taking action. Logic tells you otherwise. It is always best to plan ahead and get those properties out of your

to create his own Land Trusts and he took action! Aaron put all three of his rental properties into separate Land Trusts AND put his personal residence into a fourth Trust. Subsequently, Aaron fell on hard times. He lost his job, got divorced and slipped into foreclosure on his personal residence. Because Aaron had put his residence into a Land Trust the lender took four years to foreclose! The lender had to find and serve Aaron’s Trustee (in addition to all other parties to the foreclosure lawsuit) who lived out of state. Placing your property into a Land Trust will not stop a

Land Trust name NOW (and take title to all future properties directly from the seller to your Land Trust).

~~~~~ 4 ~~~~~ The fourth story comes to us from Illinois. Aaron was a student of mine from 2002. He learned from me how

foreclosure, but it will slow it down. I do not advocate foreclosure or the delay of foreclosure. In fact, I do not teach people how to use Land Trusts to take advantage of others. Land Trusts are designed to protect YOU from unscrupulous people who Continued on pg. 21

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~~~~~ 3 ~~~~~ Our third real-life story comes to us from San Francisco. I teach a live seminar at least once a year in San Francisco to educate real estate investors on how to create their own Land Trusts. Holly was a student in one of these seminars over two years ago. Like many, Holly loved the idea of using a Land Trust, but never took the time to actually transfer title out of her name and into the Land Trust. Holly called me last week and said, “I have got to get this property out of my name fast.” As usual, I said, “Why?” Holly went on to tell me that her tenants had contracted cock roaches and called the city inspector to complain. In addition she was having to go to court the next week over some other

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CashFlow Express • Page 15

By Christopher Urso, URS Capital Partners Elite Apartment Coaching

t’s no secret that real estate is a taxfriendly investment. There are not many investments that offer the tax advantages that real estate provides. Now, I’m no hater of Wall Street. I feel that diversity is important to any portfolio; but when it comes to taxes, real estate has many other investment vehicles beat. Buying an apartment building allows your tenants to pay down your mortgage while building equity with little to no tax burden. Here are some of the tax strategies that make apartments so investor-friendly. The beauty of depreciation is that an investor can show a loss that can dramatically lower their taxable income on their investment property. There are further depreciation that can be taken through furniture, fixtures and equipment. (Standard Disclaimer -> I am NOT an

your property are also tax free. This is an exit plan that many of our clients use; reinvesting the refinanced portion into another, larger deal. Many of our investors have used a 1031 exchange. This allows you to sell a property and reinvest the proceeds deferring all capital gains taxes. There are many specific IRA guidelines that need to be adhered to, including a narrow time window; but the investor will be able to defer their taxes for as long as they hold that investment! Make sure that you work with a 1031 specialist, as the guidelines are very specific and must be followed to a “t”. Investing through an IRA, specifically a selfdirected IRA, is how we were able to raise $17 million of private money. This money is already earmarked for retirement, making it the perfect way to allow an investor to get started investing in real estate. Becoming well versed in self directed

The beauty of depreciation is that an investor can show a loss that can dramatically lower their taxable income on their investment property. accountant, so make sure that you check with your accountant for proper declarations.) The proceeds that come from refinancing

IRAs will allow you to educate your potential investors if you’re looking to syndicate larger deals and raise private capital for your own projects.

Tax benefits are just one of the benefits of investing in apartments. Economies of scale (lot of beds under one roof), burgeoning demographics, and an attractive lending climate, all make investing in apartments one of the fastest ways to secure your future. Whether you are just starting out and want to create a legacy for your family, you have done some single family deals and want to scale your real estate business faster, or have done some deals and want to syndicate larger deals and bring in investor dollars, investing in apartments is the path to true security. For more information, please visit online at: http://URSCapitalPartners.com as well as http://EliteApartmentCoaching.com

Rehabber and Flipper By Carl Schiovone, Director of the East Coast Real Estate Investors Association

roperty rehabbing and flipping continues to be an extremely popular business model among experienced investors as well as novice investors with no prior real estate experience. The single motivational factor causing this buzz may be hard to put your finger on, however, there are a number of contributing elements that led to this frenzy, including the many television shows demonstrating how easy it is to have a big payday. What they don’t talk about is the inherent risks involved. As another motivating factor is the poor performance of traditional Wall Street investments and many insecure with their job and career growth potential. However, like any business venture you are considering, success requires an understanding of the challenges and barriers you will have to overcome; this realization must come early in your business implementation. At the core of all successful businesses are a comprehensive business plan, risk mitigation strategies, and a competent professional support team that will assist you through your business decisions.

Picking the Right Property As a rehabber and flipper, you will need to select a property that is desirable from the prospective of the typical buyers in your targeted market area. With this insight, it will make selling the property at your expected price and marketing time budget so much easier. Your goal in selecting a specific property is to either avoid as many buyer’s objections as possible or cure them as part of your rehab plan. A buyer’s objection can be anything that can cause the potential buyer to walk away from purchasing the home or to offer less than what you were expecting. Typical buyer’s objections can include: • Small bedrooms • Not enough bathrooms • Adjacent or near retail or commercial buildings • Small yard • On a busy road • Outdated kitchens and baths • End of life for roofs, windows, HVAC, etc...

Buyer’s objections come in two forms, curable (things you can fix) and non-curable (things you can’t fix). Your goal as a successful property rehabber and flipper is to select properties that have no or minimal non-curable objections. Determining Your Offer In order for your rehab projects to be a financial success, it is essential that you fully understand the elements that must be considered when coming up with your offers, these elements include: • What will the home sell for when I complete the renovations? • What will be the cost of the improvements? • How long will I need to hold the property? • What are my holding and operating expenses? • How much profit is expected? • Legal expenses to buy and sell the property (remember, you will have two closings). • Marketing costs, including real estate broker commissions to sell the property. By considering the above elements, it will lead you

Continued on pg. 21

before

In the following section, we will touch upon some of the most important things you will need to consider to be successful in this business model. Have Your Capital Budget in Place One of the most fundamental variables of purchasing your potential flip property is how much capital you have to invest. Generally, this “Capital Budget” will determine what markets you can afford to be in and will be at the core of establishing your investment criteria. In recent years, even as the lending institutions are creating more attractive loans for investors, submitting all cash offers continue to provide the real estate investor additional leverage over a conventionally financed offer. In many cases, cash offers will be necessary in order to compete with the other offers that are also being considered. From the prospective of the seller, an all cash offer can eliminate the risks associated with the loan being rejected due to the condition of the property, low appraisal, or the qualifications of the borrower, In addition, with an all cash offer, Title can typically close much faster and for some sellers that may be worth taking even a lower cash offer over a bank financed offer.

after

Picking the Right Location Knowing your targeted market area is essential for you to feel confident you are investing in the right location. Having a pulse on the local economic and real estate market conditions will go a long way in selecting a location buyers want to move to. In addition, having a thorough understanding of your investment area and sales prices will help you set the stage to understand if opportunities presented to you are in fact a solid deal. One of the best ways to gather information on your intended investment locations is to enlist the help from a local real estate professional. CashFlow Express • Page 19

- Another Real Success Story Real Wealth Network Member Goes From $0 to $20,000/Month Income in Just 6 Months

By Kathy Fettke, Real Wealth Network

hat three words do you hear most often when asked what matters most in a real estate purchase? Location, Location, Location…. right? Well, I disagree.

If you bought a home in Stockton, California in 2006, you would be very disappointed in 2009 when that property was worth 1/4th its value. What do I think is the most important thing to consider when buying property? Market cycles Back in 2006, we knew that California real estate was in a frothy bubble. That’s why we advised our members at Real Wealth Network to SELL California property and exchange it for properties in more affordable markets. How did we know it was a bubble? Simple: Affordability. The average person could not afford the average property in California in 2006, without the help of crazy stated-income or negative amortization loans. Of course, those loans would inevitably adjust and the borrower wouldn’t be able to afford the higher payment. At that time, I advised a woman who owned three properties in Stockton to sell and exchange those homes for properties in Dallas, Texas. Dallas real estate was actually undervalued by 26% at the time. In fact, salaries were increasing much faster than home prices, unlike California.

She listened to me and sold each Stockton property for about $420,000 and was able to exchange them for nine cash flow homes in Dallas. She had been receiving $1,200 rent on the California properties and was elated to discover she could get the same rent on her new properties, and effectively triple her monthly income! This gave her the extra income she needed to retire. Keep in mind that the California properties were old, in high-crime areas and in need of repair. The Dallas properties were brand new, in middle class neighborhoods near high-paying jobs and good schools. Just a few years later when the credit crisis hit, the Stockton properties she sold were worth about $100,000 each. Instead of losing 1/4th her net worth, she tripled her monthly income and saved her nest egg. Real Wealth Network has been helping thousands of investors nationwide understand market cycles in order to avert disaster and build sustainable wealth. I am concerned that today we may be facing another bubble in California. Home prices are well above 2006 levels in many California markets (and we KNOW that was a bubble year), yet salaries have not exceeded 2006 levels. That’s why, once again, we are advising people to sell their high-priced properties and exchange them for high cash flow...

of work. It was a tear down, essentially, but it was still worth $800,000. (Yes, San Francisco prices…) Cindy decided to list it this past summer for $1.3 million to see if she’d get an offer. Sure enough, she and her husband received an ALL-CASH offer for $1.45 million, and they closed in 10 days! While this was exciting, it also meant they had 45 days to identify new properties or they would face enormous capital gains. Fortunately, they had been attending Real Wealth Network events and listening to weekly market updates. At Real Wealth Network, we search the country for affordable markets that are experiencing both job and population growth. Once we identify those locations, we search for the best real estate teams who can provide our members with turnkey properties. “Turn-key” means the real estate company purchases the property for a discount, renovates it to like-new condition, places a qualified tenant, and offers onANOTHER RECENT SUCCESS STORY going property management. We referred Cindy and her husband to our favorite One of our members, Cindy, inherited a home in San turn-key property providers in Indianapolis, Houston, Francisco that was in poor condition and needed lots Cincinnati and Jacksonville, FL. They couldn’t believe they could exchange their ONE San Francisco property for TWENTY cash flow properties… and their monthly passive income went from zero to $20,000 per month! PLEASE NOTE: Not all companies who say they are turn-key really are. In fact, most never make it through our rigid screening process. Whether you have a property to exchange or you simply want to get started as a real estate investor, we have the resources you need. You will have access to our weekly market updates, strategy sessions, live events, and property tours. And most importantly, we would be happy to refer you to our member’s favorite turn-key property providers in Dallas, Houston, Chicago, Indianapolis, Cincinnati, Pittsburgh, Jacksonville, Tampa, and in the booming oil state of North Dakota. Simply visit www.RealWealthNetwork. com to get your FREE membership.

Getting Started as a Rehabber, pg. 19

to determine the Maximum Allowable Offer (also referred to as MAO) you can make. There are two elements that are at the heart of most of the risk in this business model, these elements are the cost of repair (your rehab budget) and the After Repaired Value (ARV). In determining your rehab budget, it is strongly recommended that you utilize a competent Contractor to help you establish your budget and reserves necessary. When trying to determine your ARV, your Real Estate Professional can be a great asset and will be able to provide you with properties that are currently on the market and that have closed as a reference to compare your property against.

Five Land Trust Stories, pg. 15

before

~~~~~ 5 ~~~~~

after

Be Prepared for Some Stiff Competition With the popularity of this business model and the expectations of large investment returns comes some very fierce competition; this comes from a number of sources including contractors who have the skill and manpower readily available, seasoned Investors that have developed an efficient and repeatable business model. Even new investors with no prior track record of success can beat you to the closing table. You may be wondering why a novice would be your competition. In some cases, they may not have prepared properly to accurately determine a safe offer price considering the elements mentioned above and may offer a higher price you can’t compete with. However, the most influential competition you will ever encounter is yourself! As a Performance Coach, this is an area that I deal with frequently. For some novice investors, they can get caught up in over-analyzing deals to the point where they may never get around to actually making offers or when they do, it may have taken them so long that the property has been already snatched up by someone else; this can be very discouraging. Learn What a Good Deal Looks Like As part of your skills development plan, it will be essential for you to master the process of knowing how to evaluate property candidates before you starting making offers. Property rehabbing and flipping can be a very rewarding business venture, but proper preparation and due

would try to take your hard earned assets away from you (without cause).

diligence is required. Make sure you invest in your skills development plan because the best risk mitigation strategy is one where you actually know what your risks are and have successfully deployed your plan to mitigate them. Carl Schiovone is Director of the East Coast Real Estate Investors Association. He is also President of Carl Schiovone and Associates Real Estate Coaching.

My fifth and last story is a personal one. Thirty five years ago a friend of mine and I purchased a shopping center. I insisted on placing the title to the property into a Land Trust. The property has remained in the same Trust for all of this time. My friend moved to Florida and became a high roller in the real estate investment game. He made lots of money until the crash of 2008. Then, he lost lots of money. Last month I was reading my local Recorder’s Office publication that tells me about anyone who has had a lien filed against them in my county. Sure enough, there was my friend’s name. A judgment lien for $3.4 million dollars! Why was this lien filed in my county instead of the county where my friend lived in Florida? I am sure they also filed on him in Florida but the creditor assumed since my friend use to live in my town that he may still own real estate there and they wanted to “tie it up” with a lien. While I felt bad for my friend, I leaned back in my chair…stared out the window of my office and thought, “I sure am glad I insisted on putting our shopping center in a Land Trust.” If we had not used a Land Trust to hold title to our property, the lien against my friend would have sucked ALL the equity (his AND mine) out of our shopping center, prevented us from selling or refinancing and broke us financially! Now do you believe me when I tell you to NOT HOLD TITLE TO REAL ESTATE IN YOUR OWN NAME? Can you see why it is not smart to hold title jointly with anyone else on the planet? Also, do not hold title in an LLC because that just creates a nexus for a lawsuit. Put each property into its own separate Land Trust…you will be glad you did! If you would like to learn more about how to create your own Land Trusts, for FREE training go to: www.landtrustwebinar.com/411 or email me at: randy@mrlandtrust.net for my FREE booklet, “50 Reasons to Use a Land Trust” or contact me the old fashioned way by calling 866-696-7347. (I actually answer my own phone!)

Faster, easier ways to save. Welcome to the modern world. Call 1-800-712-6050 to see how much you could save on car insurance. Not available in all states. Savings may vary.

CashFlow Express • Page 21

Solar Advantage, pg. 6

Funding Avai Funding Available Funding Ava 3. Buy and Flip: Buy the property, flip, and include a solar pv system (purchased not leased) in the renovations. Collect 30% tax credit as the original purchaser of the solar system. List the property for sale and raise the asking price of the home based on the value of the solar system.

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Truth is he never getting out of the Cashflow events in Southern California, scholarship fund. of playing the financial freedom in his Cola egies to create to the elementary school’s Cokesells thataround Coca “how to” to the elementary school’s business. was speaking with one that Coca race, but still afterreal but the people out step-by-step “how to”never for Irathave aIt Ithriving estateCoke investing The national the world eacharound day, game spells books andathat programs. Truth is he scholarship fund.media loves Cola sells was able to friends who was I met building at the event. long-term Thesescholarship fund.freedom. ofbusiness. mynotCashflow a real Cola sells financial It was after speaking with one around to air these stories.media It seems the coma step-by-step “how to” for take what I learned The national loves like theout normal thelarger worldthe each day, were notspells The national investor I was who encouraged toeach day, the What does far moremedia impor-loves estate of Cashflow wasworld a real frommy the game andthatfriends there several oldItladies pany’s profit. in myhelife that teach isfinancial long-term freedom. to airare these stories. seems the larger theOver com- people building Doug (left) and Chris Hanson disto how air Carver these stories. It seems start distressed the largerIttothe comapplywholesaling it to my real- that to ato group “Cashwouldtant, tell meand I was crazy estate investor I was properties. encouraged who seemlyoldunique companies andCoke products with (symbol which the past ten years stock What hethat doesis teach is create far game more imporplay the Cashflow members. therefitarethisseveral ladies By Tyrone Jackson pany’s profit. Over for trying life financial to start my ownthere are several oldit in ladies turned out tositube a great decision. More pany’s profit. Over you are familiar. flow” mindset. describes TheWealthyInvestor.net start profile year after year. unique How could KO) has risen from around $40 per real estate tant,business and that isKiyosaki how to create a “Cashation. wholesaling However, I distressed properties. It who fit this seemly orwho the past years Coke stock (symbol Iften you’ve ever opened a can of fit this seemly unique recently, I’ve begun to learn how to sucthe past ten years Coke stock (symbol his book Cashflow Quadrant moving out to that be? year after year. How could realized that was spending withbe a great decision. More high $71summer — $1000 flow” freedom mindset. it the in time Iturned was Kiyosaki impossible describes You can share be profile Coca a hot day$40 and inKO) to hasa Cola risenonof from around per that financial profile after year. could cessfully trade in has the stock market using KO) risen from my new Cashflow was changing your mindset from theyear E (employee) andHowfriends without a steady well-paying job. The recently, I’ve begun to learn howaround to suc-$40 per Investing in stocks is not the rich from and$71 invigorated, why vested in refreshed stock years book Cashflow Quadrant moving that be? sharefelt to aCoca highCola of — ten $1000 in- people his way I thought about moneyAs andshare that be? I (self-employed) met were excited about learnoptions. amy self-proclaimed real high of $71 estate — $1000 inowning real Syour side of(employee) histheCashflow not own be the stock? It’s$4,100 a producttoday; you trade intothea stock market using world’s most in challenging In ago would worth mindset from the E and I no cessfully financial future. longer viewed the Investing stocks is task. not vested in Coca Cola stock ten years ing and expanding their knowledge on estate and trading stocks.the know with a story you understand. in stocks not the IAs “zealot”, never would haveCola dreamed often years vested in Coca stock quadrant to the BInvesting (business owner) andasisa giant options. a self-proclaimed real estate fact, at its most core, it’s very all simple. The stock market rigged system for $10,000 invested in Coca Cola stock (self-employed) side Cashflow financial freedom. Theyof his We’ve heard the story world’s challenging task. In of the When I say story you$4,100 understand,” ago would be“a worth today; how to Sachieve world’s most losing challenging task. In the in investing the equity Howevago would be worth $4,100 money. to see tremenI quadrant (investor) of the quadrant. In laywere active investors inthe real and I never wouldmarkets. have dreamed of today; truth the stock market creates little old lady who lived would worth $41,000 Ibe mean to say that youtoday. understand toside Bestate (business owner) andI began“zealot”, fact,isatthat its core, it’s very simple. Themodestly $10,000 invested in Coca Cola stock the stock iner, theThe sinkingplaying real$10,000 esfact,small at its core,dous it’sopportunities very simple. market. They were busiafter 202inwith my invested Coca Cola stock andyear. workedInvesting as a school teachman’s terms, it’s the mental shift from howthan the Coca Colaper investing in the Cashflow equity markets. Howevmillionaires in If youbespend $100 I (investor) side of the quadrant. In laytruth is thatevery theerstock market market even as creates many people I knew would worth more $41,000 today. ness owners with a passion andis vision for 40 years. creates She never Corporation makes truth that thetate stock market Cashflow friend ,who is an active trader, would be worth $41,000 today. someone who seeks financial security at er, after playing Cashflow 202 with my stocks, with wealth in mind, is easier were losing money on deals that had gone yearIf eating fast food, why own man’s terms, it’ssuccess the mental shift from more financial in millionaires every year. earned moreInvesting than $35,000in per money, or not to exyou spend more than $100 per for creating millionaires every year. Investing in and learning about his trading system, I$100 per If you spend more than all costs to someone who can confidently bad. Overall, I saw for the first time optheir lives. Overall, who they had a mindset Cashflow friend ,who is an active trader, than youwith think. year, in owned a modest home, the the past years someone seeks financial security at press it ten in not Wall stocks, wealth mind, is easier yearstock? eating Over fast food, why own portunities all around me toable createto wealth stocks, with wealth inrisks. mind, iswas easier that I like to call a “Cashsee the his opportunity before year eating fast food, why Inot own and knowledgeably and shared her life with two Street terms, youhas for prosperity and learning about trading system, all costs to someonetake whomeasured can confidently than you think. cats. Once she died, her rela- McDonalds as the newspapers talked constantly the stock? stock Over(symbol the pastMCD) tenhowyears flow” mindset. than you think.even understand me. now to fully expect that inten years thesee stock? Overinvesting the past is acomplain simplistic definition very was I able the opportunity before Invest In What You Know risen from a low of (symbol $15 per share a A lotThis ofbut the a “Great Recession.” and knowledgeably take measured risks. of people that Kiyosaki tives discovered a $150,000 McDonalds stock MCD) the company earnstohas markets a huge partinvesting of my fuMcDonalds stock (symbol MCD) has important one to understand. the Today a resultthe of my in- beexpect provide specific details on Without me. Iongoing nowwill fully that in high $95 per share. life insurance policy and $1.5 This is athe simplistic definition but a asvery more to a does not Invest In What You Know risenoffrom a low of revenue. $15 perThe share volvement playing and local Invest In What You Know ture financial success in addition my risen from a low of $15 per share to a how people should implement his strat-doesn’t correct mindset, really matter million in stocks that she bottles and cans of theorganizing markets will be a huge part of to my fuWanna be a good stock market in-left important one toitunderstand. Without the in Southern Cashflow events California, high of $95 per share. egies to create financial freedom in his to the elementary school’s Coke that onCoca high of $95 peraddition share. much you learn the “howI to” Continued pg. 12 bookshow ture financial vestor? Keep andfund. start with correct mindset, haveofmatter a real thriving real estate investingsuccess in and programs. Truth isithereally never doesn’t Continued ontopg.my 2 Wanna be ita simple good stock market inscholarship Cola sells around Wanna be a business. good stock market inwith one It was after speaking spells out a step-by-step “how to” for how much you learn the “how to” of real The national mediawith loves Continued pg. 12 the world eachon day, vestor? Keep it simple and start Continued Continued on pg. 2on pg. 12 vestor? Keep itofsimple and start my Cashflow friendswith who was a real building long-term financial freedom. to air these stories. It seems the larger the comBy Doug Carver Organizer Pasadena and Burbank By Doug Carver Cashflow Meetup Groups Organizer Pasadena and Burbank

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By Doug Carver Organizer Pasadena and Burb Cashflow Meetup Groups

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can remember my first ing Robert Kiyosaki’s board game about e ago and how it started a chain of events that continues to this day. What stuck with me most was not the “how to” of playing the game but the people that I met at the event. These were not like the normal people in my life that would tell me I was crazy D pl for trying to start my own real estate business or that financial freedom was Doug Carve without a steady well-paying the Cas people I met were play excited ab ing and expanding their kno how to achieve financial free were active investors in real the stock market. They were s ness owners with a passion for creating more financial their lives. Overall, they had for prosperity that I like to ca flow” mindset. A lot of people complain tha does not provide the specific how people should implemen egies to create financial freed books and programs. Truth i spells out a step-by-step “ho building long-term financial What he does teach is far m tant, and that is how to creat flow” mindset. Kiyosaki des his book Cashflow Quadran your mindset from the E (emp S (self-employed) side of his quadrant to the B (business o I (investor) side of the quadra man’s terms, it’s the mental someone who seeks financial all costs to someone who can c and knowledgeably take meas This is a simplistic definition important one to understand. W correct mindset, it really doe how much you learn the “how

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there are several old ladies who fit this seemly unique profile year after year. How could that be? Investing in stocks is not the world’s most challenging task. In fact, at its core, it’s very simple. The truth is that the stock market creates millionaires every year. Investing in stocks, with wealth in mind, is easier than you think.

pany’s profit. Over the past ten years Coke stock (symbol KO) has risen from around $40 per share to a high of $71 — $1000 invested in Coca Cola stock ten years ago would be worth $4,100 today; $10,000 invested in Coca Cola stock would be worth $41,000 today. If you spend more than $100 per year eating fast food, why not own the stock? Over the past ten years McDonalds stock (symbol MCD) has risen from a low of $15 per share to a high of $95 per share.

Lori Peebles Lori Peebles Augusto Meneses Stephanie Mojica Augusto Meneses

Teri Burke We provide complimentary copies closing, Lori Peebles Welike provid Ma I’d to t PHOTOGRAPHER one to understand. Without for your CashFlow group or REIA important Suzanne Lilly mindset, it really doesn’t matt for your CashFlow group or REIA correct Augusto Meneses for your TO RE how much you learn the “how to” of reC John DeCindis Lawrence Ruano feedback on our pu COPY EDITOR CashFlow Express is published in Santa BarbaraIn County by Realty411. © Copyright 2013. All Rights ® 2015 ifWEBSITE you are ©a Copyright REALTOR orRights Lori Peebles CashFlow Reproduction Express is published in Santa Barbara County by Realty411. 2013. All and PRODUCTION CashFlow Express is published in Santa Barbara County by Rea comments are Reserved. without permission is strictly prohibited. The opinions expressed by writers and 310 Maria Victoria PHOTOGRAPHER Personal Finance News from thepermission Publishers of Realty411 - www investor, solar could be your new Reserved. Reproduction without is strictly prohibited. The opinions expressed writers andMagazine Reserved. Reproduction without is strictly columnists are not endorsed by permission the publishers and/or editorial staff. Before investing inby real estate, Lori Peebles TO REACH US, CALL: Weprohibited. provideTh c John DeCindis columnists are not endorsed by the publishers and/or editorial staff. Before investing in realadvisor, estate, columnists are not endorsed by thefinancial publishers and/or editorial s stocks, bonds, mutual PRODUCTION funds, gold, or securities, best seek the advisement of a trusted friend. 310.499.9545 Augusto Meneses for your Cas stocks, bonds, mutual funds, gold, or securities, seek the advisement of a trusted fi nancial advisor, Personal Finance News from the Publishers of Realty411 Magazine www.Realty411Guide.com stocks, bonds, mutual funds, gold, or securities, seek the advise attorney or tax consultant. market is risky business and may result in LoriInvesting Peebles in any asset andWe providesector complimentary copies attorney tax consultant. Investing in any asset and market sector is risky business and may result D attorney orCashFlow tax consultant. in any asset andinmarket secto the loss oforcapital. Please invest responsibly. PRINTED IN THE USA ~ GOD BLESS AMERICA Augusto Meneses Co for your group or REIA CashFlow Express is published inInvesting Santa Barbara County by Realty4 D the loss of capital. Please invest responsibly. PRINTED IN THE USA ~ GOD BLESS AMERICA the loss of capital. Please invest responsibly. PRINTED IN THE Reserved. Reproduction without o CashFlow Express is published Santa Barbaranetwork County by Realty411. © Copyright 2013. Connect toinour virtual ~ Search for uspermission here:All Rightsis strictly prohibited. The T T Reserved. Reproduction without permission is strictly prohibited. The opinions expressed by writers and virtual network ~ Search us the here: Each franchise office is independently owned and Connect operated.to ourcolumnists Connect to our virtual network ~ Searc not endorsed by publishers and/or editorial staff. o columnists are not endorsed by the publishers and/or editorial staff. Before investing in real Realty411 estate, Beare Social & for Receive o mutual funds, gold, or advisor, securities, seek the adviseme Our franchisees have purchased over 50,000 since 1996. stocks, houses bonds, mutual funds, gold, or stocks, securities, bonds, seek the advisement of a trusted financial ti attorney or tax consultant. Investing in attorney any asset and sector is riskyUpdates business and may result asset in ormarket tax consultant. Investing inDaily! any andDISCLOSURE market sectorAND isti News th the loss of capital. Please invest responsibly. PRINTED IN THE USA ~ GOD BLESS AMERICA the loss of capital. Please invest responsibly. PRINTED IN THE USA th The publications, ev Connect to our virtual network ~ Search for us here: P or their~owners, emp P Connect to our virtual network Search fo an tional and entertainm a th therein do not consti th Please be aware that d any of the informatid the opinions, advicean a due diligence, for ad al a CashFlow Express • Page 22 any potential investm Invest In What You Know

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estate investor that I was encouraged to What he does teach is far more imporstart wholesaling distressed properties. It tant, and that is how to create a “Cashturned out to be a great decision. More flow” mindset. Kiyosaki describes it in recently, I’ve begun to learn how to suchis book Cashflow Quadrant moving cessfully trade in the stock market using your mindset fromIn theWhat E (employee) Invest Youand Know risen from a low of $15 per share to a options. As a self-proclaimed real estate S (self-employed) side of his Cashflow $95 per of share. “zealot”, I neverhigh would of have dreamed quadrant to the B (business owner) and investing I (investor) sidebe of the quadrant. In layWanna a good stock market in- in the equity markets. However, after playing Cashflow 202 with my Continued on pg. 12 man’s terms, it’s the mental shift from vestor? Keep it simple and startCashflow with friend ,who is an active trader, someone who seeks financial security at and learning about his trading system, I all costs to someone who can confidently was able to see the opportunity before and knowledgeably take measured risks. me. I now fully expect that investing in This is a simplistic definition but a very the markets will be a huge part of my fuimportant one to understand. Without the ture financial success in addition to my correct mindset, it really doesn’t matter how much you learn the “how to” of real

Wanna be a good stock market investor? Keep it simple and start with

Continued on pg. 12

Continued on pg. 2

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Probate Investment Goals, pg. 13

that the entire process should be scrapped? Putejovsky said, “When you miss the mark, rather than hanging your head, sulking and asking destructive questions like, ‘Why does this always happen to me?’Ask yourself what you need to do differently in order to get there. Who do you need to ask? What are you missing? What should be done differently? Then make some adjustments, change the definite period of time of the goal, and go back at it. Everyone gets knocked down. Winners get back up. Achievers find a way to reach their goals.” While it can certainly be disappointing when an investor doesn’t meet a goal or a deal doesn’t turn out the way they wanted it to, the reality is that no one ever meets one hundred percent of their goals. The true success stories in probate are those that keep on moving forward, no matter the situation. When all circumstances are viewed as a learning experience, probate investors have the ability to maximize their profits. In the End. . . For probate investors that are committed to the process and want to build a business and a lifestyle that they love, setting goals is the best way to increase profitability year to year. The experts at US Probate Leads have the technology, expertise and products that can assist every investor in developing their own probate real estate investment business. From county specific leads to software, books, webinars and even individual mentoring, probate investors can make their own financial dreams come true. Call us today to discuss your goals and learn how we can support you in developing the business you have always wanted! Visit our website at http://usprobateleads.com today.

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f you are reading this issue then f you are reading this issue then have attended one of our live event have attended one of our live event gatherings back in 2008, we attract gatherings back in 2008, we attrac Pacific Private Money makesonlending easy. We fund loans on non-owner Pacific easy. We fund loans non-owner who were interested in learning andwh ta Pacific Private Private Money Money makes makes lending lending easy. We fund loans on non-owner Pacific Private Money makes lending easy. We fund loans on non-owner who were interested in learning andwh ta occupied single family, multifamily, mixed-use residences, and challenged occupied single family, multifamily, mixed-use residences, and challenged alri already had and experience and we shared occupied single family, multifamily, mixed-use residences, and challenged occupied single family, multifamily, mixed-use residences, challenged already had experience and we shared alr townhome or condo projects. townhome com comers who came to observe and absor townhomeororcondo condoprojects. projects. townhome or condo projects. comers who came to observe and absor co We’re fast. We’re friendly. And, we’re ready to help you get the funding you We’re fast. We’re friendly. And, we’re ready to help you get the funding you My guests and I would often meet We’re fast. We’re friendly. And, we’re ready help youfriendly. get the funding youready to help you Myget guests I would We’re tofast. We’re And, we’re the and funding you often meet need need right now. the water at the quaint coastal city in theCC needright rightnow. now. need right now. the water at the quaint coastal city in the the library’s benefactor Lloyd Taberthew the library’s benefactor Lloyd Taberthew bequeathed millions to the building’sbeq re bequeathed millions to the building’sbere Next, we started hosting larger ed Next, we started hosting larger ed Hall in Culver City. Fast forward to the Hall in Culver City. Fast forward toHa th Ha events in San Diego, Indianapolis, Los PacificPrivateMoney.com events in San Diego, Indianapolis, Los eve ev PacificPrivateMoney.com PRIVATE MONEY LOANS PacificPrivateMoney.com Beach, Seattle, Atlanta and even New PRIVATE MONEY LOANS PRIVATE MONEY LOANS 1604 Grant Ave., Novato, CA 94945 PRIVATE MONEY LOANS Beach, Seattle, Atlanta and even New California Department of Real Estate Brokers #1897444 Be Be 1604 Grant Ave., Novato, CA 949451604 Grant 1604Ave., GrantNovato, Ave., CA#1897444 94945 CaliforniaCalifornia California Department of RealNovato, Estate CABrokers 94945 ofEstate Realthis Estate Brokers #1897444 Department Real Brokers #1897444 dream come true, andlikely we plan f youDepartment areofreading issue then most you on hostin dream come true, and we plan on hostin dre dre have attended onenation, of our live events. When I first beganevents to host rei the including upcoming theinnation, upcoming events the gatherings back 2008, weincluding attracted a handful of people in Los thet Our largest expo has attracted up Pacific Private Money makes lending easy. We fund loans on non-owner who were interested inOur learning and talking real estate. Some largest expo about has attracted up multifamily, mixed-use residences, and challenged EXPRESS regularly exclusive group of we v and weunite sharedan ideas and tips, some guests hat a fantastic year filled with special exposoccupied aroundsingle the family, country. Here are just a few photographs EXPRESS already had experience EXPRESS regularly unite an exclusive group ofreg v townhome or condo projects. EXPRESS comers who came to observe and absorb. reg from our national real estate events, including the Real Estate Investor Expo in Culver City, Calif., expanding our events even further. My evendel further. My ex We’re fast. We’re friendly. And, we’reinready help you get the funding you My guests andexpanding I would oftenour meetevents at the Marina Rey library the Las Vegas Real Estate Expo, and the Give Thanks, Give Back Expo LostoAngeles. Realty411 exp hosting international real estate confere need right now. the water at the quaint coastal city in California. It was the perfect hosting international real estate confer hop produced more real estate expos around the nation than any other media company specializing in the real enjoy Lloyd and believe power netwo hos the library’s benefactor Taber wasina the wealthy real of estate mo estate investment industry. In 2014, Realty411 met readers and fans in personPassive inIncome Sanfor Today Diego, San Jose, Phoe& Tomorrow FREE enjoy and believe in the power of netw en Passive Income for Today& Tomorrow FREE bequeathed millions toItthe renovation years ago. to mee Passive Income for Today & Tomorrow FREE Contents 2014 is building’s a pleasure and privilege enj nix, Indianapolis, Santa Barbara, Pismo Beach, San Francisco, Culver City, Las Vegas,Investors Manhattan, as Manifest well as Contents Contents 2014 2014 It is a pleasure and privilege to mee aafor Today & Tomorrow Passive Income FREE Next, we started hosting larger educational gatherings at the V Learn How to Create Stock Investors Manifest Investors Manifest a tions. We produce our quarterly glossyha How to Offers Create Stock guests Long Island. Our free expos celebrated real estate inLearn different markets and Options introduced to the leaders Learn How to Create Stock 12 & 18 Attract Private Lenders 1 FirstKey Lending Hall in Culver City. Fast forward to the present and our company tions. We produce our quarterly glossy Market Wealth Today tio Mindset 12 & 18 Attract Private Lenders FirstKey Offers Options 12 & 18 Attract Private Lenders 1“Cashflow” FirstKey Lending Offers Options of the REI world. Would you like to attend our 1next events? Be sure to join our network to be invited to our MarketLending Wealth Today Learn How to Create Stock Market Wealth Today “Cashflow” Mindset Wealth as an alternate cover. We have “Cashflow” Mindset events in San Diego, Indianapolis, Los Angeles, San Jose, Scottsdale tio PacificPrivateMoney.com Wealth as an alternate cover. We have We 12Seattle, & 18Atlanta Attract Private Lenders Offers Options 13Lending Investing in Texas Land Beach, 4 Publisher’s Welcome Note1 FirstKey events. Just visit our main website at: http://Realty411Guide.com/network MONEY Market Wealth Today even New York City just year alona 13ofPRIVATE Investing in LOANS Texas Land each. and Thein 100-page glossy is this available 4 Publisher’s Welcome 1604 Grant Ave., Novato, CA Note 94945 13 Investing Texas Land 4 Department Publisher’s Note California Real Estate BrokersWelcome #1897444 We each. The 100-page glossy is available eac dream come true, and we plan on hosting many more expos and mixer 15 The Investment is Open 5 The Millionaire Maker Returns and will soon beLand available in bookstore 13 Investing in Texas 4 Publisher’s Welcome NoteLab 15 The Investment Lab is Open 5 The Millionaire Maker Returns the nation, including upcoming events in Florida, Missouri, Ohio, an and will soon be available in bookstore 15 The Investment Lab is Open eac 5 The Millionaire Maker Returns an Crowdfunding Comes of Age, pg. 10 North Dakota Oil Boom, pg. 14 Next, we have our REI Wealth Mont Our largest expo has attracted up to 300 people and our smalle 16 Incorporate a Business 6 Management Tips by Pam5Texas Next, we Lab haveisour REI Wealth Mon 15 TheIncorporate Investment Open The6Millionaire Maker and 16 Incorporate aby Business 6 Management Tips by Pam Texas EXPRESS a Business Management TipsReturns Pam Texas regularly 16 unite ancifi exclusive group of veteran real estateenjoymen leaders. We cally designed for online MondayOne is building housing – institutions within the University approximately $550 million of comcifi cally designed for online enjoymen 21 & 23Tips CashFlow 7 Out-of-State Investment Advice expandingIncorporate our events even further. My goals are lofty: I envisioncifi so Business 6 Management by PamResources Texas 21 & 23 CashFlow Resources stand byaNoland Araracap, a San Diego Out-of-State Investment Advice As7 experienced developers weAdvice have 16 21 System of Georgia. “This property mercial7real estate, while placing over & 23 CashFlow Resources Out-of-State Investment hosting international realby estate conferences — this isa precisely how stand Noland Araracap, San Diego sta put ourselves in afrom greatOur position represented a unique opportunity to $200 million of equity. 24 Scenes Exposto 9 Rehab with Andrew Cordle course, is our newspaper CashFlowcifi Ex enjoy and&believe in the power of Resources networking. 21 23 CashFlow 24 Scenes from Our Expos 7 Out-of-State Investment Advice 9 Rehab with Andrew Cordle course, is our newspaper CashFlow Ex 24 Scenes from Our Expos 9 Rehab with Andrew Cordle co housing and commercial real esparticipate in an outstanding apartsta Special for Our Readers! Contentsbuild - 2014 It is a pleasure and privilege to meet the readers of our numerous our live expos and mixers, and at selec 26 How to Avoid Investors Manifest a Capital 10 Q-n-A with Financial projects in the Bakken area forGains the ment community in a high-growth LearnZinc How to Create Stock tate our live expos and mixers, and at selec About Realty Mogul ou to Avoid Capital Gains tions.24 We 26 produce ourto quarterly glossy Realty411 magazine, withcou Rea 10 Q-n-A with Zinc Financial How Avoid Capital Gains Scenes from Our Expos 1012eight Q-n-A with Zinc Financial 9 Rehab with Andrew Cordle &26 18 How Attract Private Lenders 1 FirstKey Lending Offers Options Receive a FREE Lifetime and sponsor around the country. Market Wealth Today next years. suburban Atlanta location,” said “Cashflow” Mindset Realty Mogul is an online marketand cover. sponsor around thedistribution country. and web Wealth as an alternate We have separate an Ryan Millsap, co-Managing PrinciMembership to World’s 13 Investing in Texas Land 4 Publisher’s Welcome Note our For isthe restthe of the year,at selected in addition place for real estate investing, coneach.26 The How 100-page available at no charge grocer toglossy Avoid Capital Gains 10 Q-n-A with Zinc Financial For the rest of the year, in addition pal of Arenda Capital Management. necting borrowers sponsors Largest Rewards 15 The Investment Lab is Open 5 Theand Millionaire MakertoReturns and will soon be available inwill bookstores acrosstotheexpand country. our and pos, weLoyalty continue me PUBLISHED BY FOUNDER “We saw an opportunity to perform pos, weWealth will Monthly, continue to expand our po me capital from accredited and instituNext, we have our REI a digital and interactive is PUBLISHED BY Program, benefits include: FOUNDER PUBLISHED BY FOUNDER 16 Incorporate a Business 6 Management Tips by Pam Texas Realty411 cial print supplements and new online Linda Pliagas additional moderate upgrades, and tional investors. Realty Mogul gives Realty411 cial print supplements and new online Linda Pliagas cifi cally designed for online enjoyment. It was created for the Appl Realty411 cia Linda Pliagas ADVERTISING pliagas@msn.com •Private Global Network411 Special Supplemen to reduce certain expenses, so as 21 & 23 CashFlow Resources Out-of-State Investment Advice ADVERTISING investors tools7 to browse investments, pliagas@msn.com ADVERTISING pos pliagas@msn.com stand by Noland Araracap, aMoney San Diego-based technology enthusiast. 805.693.1497 EDITORIAL STAFF Private Money 411 Special Supplemen • Pr PUBLISHED BY Products FOUNDER 160+ Million to add additional potential upside 805.693.1497 EDITORIAL STAFF 805.693.1497 do due diligence, invest online and EDITORIAL STAFF 24 Scenes from Our Expos 9 Rehab with Andrew Cordle course, is our newspaper CashFlow Express, which is directly distri EVENTS & EXPOS mission to be an all-encompassing reso Hannah Ash Realty411 cia LindaEVENTS Pliagas & Services are Available &Ash EXPOS for investors. 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No. 1 / Vol. 1 2012

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No. 1 / Vol. 1 2012

Contents - 2014 Investors Manifest a “Cashflow” Mindset

estate investing, trading stocks, building aestate stronginvesting, MLM business, You will not tradingetc. stocks, building estate investing, trading stocks, building By Doug Carver succeed. It’s like trying to grow in a strong MLM business, etc. Youcorn will not a strong MLM business, etc. You will not Organizer Pasadena and Burbank asucceed. field of sand. The trying seeds will not germiIt’s like to grow corn in Cashflow Meetup Groups succeed. It’s like trying to grow corn in Cashflow Meetup Groups nate and you’ll end up with next to nothcan remember my first time playa field of sand. The seeds will not germi- By Doug Carver estate investing, trading building a field of sand. Thestocks, seeds will not germiing to and harvest in the ing Kiyosaki’s nate you’ll endfall. up with next to noth- Organizer Pasadena and Burbank canRobert remember my firstCashflow time playnate andbusiness, you’ll endetc. up You with will next not to notha strong MLM can remember my first time playHow, you ask, does this relate to the board game Kiyosaki’s about eight years ing to harvest in the fall. ing Robert Cashflow to harvest in thetofall. succeed.ingIt’s like trying grow corn in Cashflow Meetup ing Groups Robert Kiyosaki’s Cashflow Cashflow game? ago and how it How, you ask, does this relate to the board game about eight years board game about eight years a field of How, sand. you The ask, seedsdoes willthis notrelate germi-to the Well, after playing started a chain Cashflow game? ago and how it game? ago my andfirst howtime it playnate and you’ll end up with Cashflow next to noththe game bunch can remember of eventsstarted that continues Well, aftera playing a chain a chain ing to harvest in the fall. Well, after playing ofthetimes, ing Robertstarted Kiyosaki’s Cashflow toofthis day. that What stuck gameI learned a bunch events continues game a bunch of events that continues the “how I to” of How, you ask, does this the relate to the with me most notstuck the board game about eight years of times, learned to this day. was What of times, I learned to this day. What stuck getting out of Cashflow game? “how to” most of playing ago and how it the “how to”theof with me was notthe the the “how to” of with me most was not the rat race, out but Iofstill game Well, getting after playing getting the started ato” chain “howbut to”the of people playingthat the out of the of playing the was not but ableI still to of events “how I game met atbut thethe event. These the game a bunch rat race, that continues people that rat race, but I still game but the people that take were the normal waswhat not I learned able to to this day. What stuck of times, learned I metnot at like the event. These was I not able to I met at the event. These from the game and people in my life that take what I learned were not like the normal Doug Carver (left) and Chris Hanson disthe “how to” I learned of with me most take what werewas notnot likethe the normal apply it to my realwould tell me I was crazy from the game and “how to” of playing the people in my life that play the Cashflow game to group members. By Tyrone Jackson companies and products with which gettingfrom outtheofgame the and people in my life that life Doug Carver (left) and Chris Hanson disfor trying start my own applyfinancial it to mysiturealare familiar. Doug Carver (left) and Chris Hanson diswould telltome I was crazy play TheWealthyInvestor.net rat race, but I still apply it to my realcompanies and products with which game but the people that would tell me I was crazy By Tyrone Jackson you the Cashflow game to group members. However,situI which and financial products with By Tyrone Jackson companiesation. real estatetobusiness or play the Cashflow game to group members. life If you’ve ever opened a can of for trying start my own No. 1 / Vol. 1 2012 Passive Income for Today & Tomorrow FREE life financial was not able to situyou are familiar. tryingThese to start my own TheWealthyInvestor.net realized thatyou the time I was spending with I I met at theforevent. are familiar. TheWealthyInvestor.net that freedom or was impossible ation. However, You can be CocaIf Cola on aever hot summer andof real financial estate business ation.I learned However, I you’ve opened aday can real the estate business or take what were not like normal my new Cashflow friends was changing If you’ve ever opened a can of without a steady well-paying job. The realized that the time I was spending with rich from felt refreshed that financial freedom was impossible realized that thefrom time Ithe wasgame spending You can be Coca Cola on and a hotinvigorated, summer daywhy and and with You can be my financial life thatfreedom was impossible the thought about and my daypeople Coca Cola onmoney awas hot changing summer and in that people were well-paying excited about myway newI Cashflow friends owning not the stock? a product you withoutI met a steady job.learnThe my new friends changing rich real from feltown refreshed and It’s invigorated, why Doug Carver job. (left) and Chris Hanson dis-Cashflow without steady well-paying The apply it to was my realfrom financial I noabout longer viewed feltproducts refreshed and invigorated, why tell me I wasa crazy ing and Iexpanding knowledge onrich the way future. I thought money andthe my would estate and trading stocks. owning real companies and with which Bytheir Tyrone Jackson know with story you people met were excited about learnthe Cashflow game to group themembers. way I thought moneysituand my not own theastock? It’s aunderstand. product you I met were play excited about learnowning realmarket lifeabout financial stock as own a giant not therigged stock?system It’s a for product foryou trying topeople start my own how to achieve financial freedom. They financial future. I no longer viewed the We’ve heardstocks. the story of the When I say “a story you understand,” you are familiar. ing and expanding their knowledge on TheWealthyInvestor.net financial future. I no longer viewed the estate andalltrading know with a story you understand. ing and expanding their knowledge on estate and stocks. losing money. I began thesystem tremenknow withtorigged asee story you understand. ation. However, I were investors in trading real estate and business or stock market as a opened giant littleWe’ve old lady who lived modestly I When mean I to that you understand how active to achieve financial freedom. They If you’ve ever a can of for real estatehow stock market as a giant rigged system for all heard the story of the saysay “a story you understand,” to achieve financial freedom. They We’ve all heard the story of the dous opportunities in the sinking real esWhen I say “a story you understand,” the stock market. They were small busirealized that the time I was spending with losing money. I began to seeday the and tremen- that financial freedom was impossible and worked as a school teach-modestly howyou the Coca Cola were active investors You in real estate and Coca can be lived Cola oneven amean hot summer losing money. I began to see the tremenlittle old lady who lived I mean to say that understand were active investors in real estate and little old lady who modestly tate market as many people I knew I to say that you understand ness owners with aThey passion and vision investing, trading stocks, building By Doug Carver my newdous Cashflow friendsin was changing dous opportunities in the sinkingwhy real es- without a steady well-paying job. The erand forworked 40 years. She never Corporation makes the stock market. wereestate small busi- felt rich from opportunities the sinking real esas a school teachrefreshed and invigorated, how the Coca Cola Organizer the stock market. They were small busiand worked as aasuccess school teachstrong MLM etc.losing You will not Pasadena and Burbank were money onmany deals people thathow hadIthe gone Coca Cola for creating more in business, tate market even as knew the waytate I thought aboutas money and my earned than $35,000 per money, or tomakes ex- Cashflow ness owners with financial a passion and vision people I met excited learnmarket even many people I knew er formore 40 years. She never owning real Corporation succeed. like trying to grow in Meetup Groupser not own the corn stock? product you nesswere owners with about a passion and vision forthey 40 years. SheIt’snever bad. Overall, I sawIt’s foradeals the first time op- makes Corporation their lives. Overall, had asuccess mindset were money on that had gone year, owned modest home, future. no longer viewed thegone press it or in toWall creating more financial a field of sand.inThe seeds willlosing not germiing and expanding their knowledge were losingI money on deals that had earned moreathan $35,000 per money, ex- estateforand tradingthat stocks. for creating more financial on successfinancial in know with aall story you understand. earned more than $35,000 per portunities around me to create wealth money, or to exfor prosperity I like to call a “Cashnate and you’ll end up with next to nothbad. Overall, I saw for the first time opcan remember my first time playand shared her life with two Street their lives. Overall, they athe mindset stock market as a giant rigged system for opbad. Overall, I saw for the first time how to achieve financial freedom. They year, owned a modest home, press terms, it in you Wall their lives. Overall, they had a mindset We’ve all Kiyosaki’s heard the storyhad of I say “a story you understand,” year, owned a modest home, ing to harvest in When the even fall. as the newspapers talked constantly press it in Wall ing Robert Cashflow flow” mindset. portunities all around me to create wealth were active investors in real estate and cats. Once she understand prosperity that I like to callHow, a “Cashlosing money. I began to see tremenportunities all around methe to create wealth and shared herdied, life her withrelatwo Street terms,how you littlefor you ask, this relate to the for prosperity that I like to call a “Cashboard about yearsmodestly old lady who lived andeight shared her with two I does mean to the say that you talked understand ofeven the “Great Recession.” Street terms, you A lotgame of people complain thatlife Kiyosaki as newspapers constantly tives a $150,000 the company earns flow” Cashflow game? ago andmindset. how it even as the newspapers talked constantly cats. discovered Once she died, her reladous opportunities in the sinking real esunderstand how and worked flow” mindset. stock market. They were small busicats. Once she died, her as a school teachToday as a Recession.” result myCoca ongoing understand how howofthe Cola in- the does provide specific details onrela- of Well, playing theafter “Great life insurance policy $1.5 started chain revenue. The more A not lotaof people the complain that Kiyosaki of theeven “Great tives discovered a and $150,000 the company earns er for tate market as Recession.” many people I knew lot ofapeople complain that Kiyosaki ness passion and vision tives discovered a $150,000 volvement playing andoforganizing local the company earns owners Awith theToday game a as bunch 40 years. She never of events that continues how people should implement his stratCorporation makes a result my ongoing inmillion in stocks that she left bottles and cans of does not provide the specific details on Today as aonresult myhad ongoing life insurance policy and $1.5 revenue. The more to this day. What stucklife insurance policy and $1.5 Cashflow does not provide specific in detailswere on losing of times, I learned money dealsof that gone inmore financialthesuccess events in Southern revenue. The for morecreating egiesmore to create financial freedomhisinstrathis earned thanshould $35,000 per or California, to ex-local volvement and organizing tomillion the elementary Coke Cocaof with people implement the “how to”playing of money, volvement playing andfirst organizing in stocks thatschool’s she left mehow most was not the bottlesthat and cans peoplethey should bad. Overall, I saw for the time op-local millionhome, in stocks that she left I Cashflow have out a thriving estate investing of lives.how their Overall, hadimplement a mindsethis stratbooks and Truth is he never year, owned aprograms. modest getting of the press events inreal Southern California, it in bottles Wall and cans scholarship fund. of playing the Cola egies to create financial freedom in his Cashflow eventsme intoSouthern California, to the elementary school’s Cokesells thataround Coca “how to” egiesthat to Icreate financial freedom inportunities his to the school’s all around create wealth business. was speaking with that for Coca race, but still afterreal prosperity like to call a “Cashbut the people out athat step-by-step “how to”never for Irathave aIt Ithriving estateCoke investing andspells shared her life withelementary two The national Street terms, youone the world eacharound day, game books and programs. Truth is he I have a thriving real estate investing scholarship fund.media loves Cola sells books and programs. Truth is he never was not able to I met building at the event. long-term Thesescholarship fund.freedom. ofbusiness. my Cashflow who was a real Cola sells around even as the newspapers talked constantly financial It was friends after speaking with to air these stories.media It seems cats.notspells Once she her relathe comadied, step-by-step “how to” for understand how one flow” mindset. take what I learned business. It was after speaking with one The national loves like theout normal thelarger worldthe each day, were spells out a step-by-step “how to” of forthe “Great The isnational investor I was who encouraged toeach day, the world Recession.” does far moremedia impor-loves estate A lot of people complain that Kiyosaki of Cashflow friends a real frommy the game andthat there several oldItladies pany’s profit. indiscovered myhelife that teach building long-term financial freedom. tivesWhat a $150,000 the companywas earns of my Cashflow friends who was a real to airare these stories. seems the larger theOver com- people building long-term financial freedom. Doug Carver (left) and Chris Hanson disto air these stories. It seems start wholesaling distressed properties. It the larger the comapply it to my realtant, and that is how to create a “Cashwould tell me I was crazy Today as a result of my ongoing inestate investor that I was encouraged to does not provide the specific details on who seemlyoldunique companies andCoke products with (symbol which the past ten years stock What he does teach is far game more imporplayand the Cashflow to group members. life insurance policy estate investor that I was encouraged to Thepany’s more therefitarethisseveral ladies By Tyrone Jackson pany’s profit. Over for he does teach is far more imporlife financial trying to start my ownthere are$1.5 several oldit in ladies turned out tositube arevenue. great decision. More profit. OverpeopleWhat you are familiar. flow” mindset. Kiyosaki describes TheWealthyInvestor.net volvement anddistressed organizing local It start distressed It how profile year after year. unique How could KO) has risen from around $40 per real should implement hiscreate strat-a “Cashtant,in and that is how toleft create a “Cashation. wholesaling However, I bottles start playing wholesaling properties. who fit this seemly million stocks that she estate business orwho the past years Coke stock (symbol andproperties. canstoof tant, and that is how to Iften you’ve ever opened a can of fitQuadrant this seemly unique recently, I’vethe begun to learn how suc- (symbol past ten years Coke stock his book Cashflow moving out to that be? year after year. How could realized that was spending withbe a great decision. More egies to create financial freedom in his Cashflow events in Southern California, high $71summer — $1000 flow” mindset. describes it the in time Iturned freedom was Kiyosaki impossible You can share be turned out to be a great decision. More profile Coca a hot day$40 and inKO) to hasa Cola risenonof from around per that to financial the elementary school’s flow” mindset. Kiyosaki describes it in that Coca profile after year. could cessfully trade in Coke the stock market using KO) has risen from per my new Cashflow was changing your mindset from theyear E (employee) andHowfriends without a steady well-paying job. The recently, I’ve begun to learn howaround to suc-$40 Investing in stocks is not the rich from and$71 invigorated, why vested in refreshed stock years his book Cashflow Quadrant moving I have recently, a thriving investing books and his programs. Truth is Quadrant he never moving I’ve real begunestate to learn how to sucthat be? sharefelt to aCoca highCola of — ten $1000 in- people book Cashflow scholarship way I thought about moneyAs andshare Cola sellsof around that be? I (self-employed) met werefund. excited about learnoptions. amy self-proclaimed real to a high $71 estate — $1000 inowning real Syour side of(employee) histheCashflow not own be the stock? It’s$4,100 a producttoday; you trade world’s most in challenging In ago would mindset from the E and I no cessfully business. It was trade afterinspeaking oneusing financial future. longer viewed the in the stock market using spells out your cessfully the stockwith market Investing stocks is task. not a step-by-step for vested in with Cocaaworth Colayou stock ten years ing and expanding their media knowledge on in mindset from“how the E to” (employee) and estate and trading stocks.the The national loves know story understand. Investing stocks is not the the world each day, “zealot”, I never would have dreamed of vested in Coca Cola stock ten years quadrant to the B (business owner) and options. As for a self-proclaimed real estate fact, at its most core, it’s very all simple. The stock market as a giant rigged system $10,000 invested in Coca Cola stock (self-employed) side Cashflow to S achieve financial freedom. Theyof his of my Cashflow who was areal realestate We’ve heard the story options. Asfriends a self-proclaimed world’s challenging task. In of the When I say story you$4,100 understand,” ago would be“a worth today; how building long-term financial S (self-employed) sidefreedom. of his Cashflow world’s most losing challenging task. In the in to air these stories. It seems investing the equity markets. Howevago would be worth $4,100 the larger thedreamed commoney. to see tremenI quadrant (investor) of the quadrant. In laywere active investors inthe real and I never would have of today; truth the stock market creates little old lady who lived would worth $41,000 Ibe mean to say that youtoday. understand toside Bestate (business owner) andI began“zealot”, “zealot”,that I never would have dreamed fact,isatthat its core, it’s very simple. Themodestly I was encouraged to of $10,000 invested in Coca Cola stock the quadrant (business owner) estate and investor teachtoisthefarB more imporiner, theThe sinkingplaying real$10,000 es- pany’s fact, at its core,dous it’sopportunities very simple. stock market. They were small busiafter 202inwith my invested Coca Cola What stock he does are terms, several old ladies profit. Over andyear. workedInvesting as a school teachman’s it’s the mental shift from howthan the Coca Colaper there investing in the Cashflow equity markets. Howevmillionaires in If youbespend $100 I (investor) side of the quadrant. In layinvesting indistressed the equityproperties. markets. Howevtruth is thatevery theerstock market market even as creates many people I knew would worth more $41,000 today. ness owners with a passion andis vision I (investor) of the aquadrant. start wholesaling It for 40 years. creates She never tant, and that is how side to create “Cash- In layCorporation makes truth that thetate stock market friend ,who isstock an active trader, would be worth $41,000 today. who fit more this seemly unique someone who seeks financial security at theonCashflow past ten years Coke (symbol er, after playing Cashflow 202 with my stocks, with wealth in mind, is easier were losing money deals that had gone year eating fast food, why not own man’s terms, it’s the mental shift from for creating financial success in er, after with my millionaires every year. earned moreInvesting than $35,000in per money, or $100 to ex- per If you spend more than man’s Kiyosaki terms, it’sdescribes the mental shift from turned out to beplaying a greatCashflow decision.202More millionaires every year. Investing in flow” mindset. it in and learning about his trading system, I If you spend more than $100 per all costs to someone who can confidently bad. Overall, I saw for the first time opprofile year after year. How could their lives. Overall, they had a mindset KO) has risen from around $40 per Cashflow friend ,who is an active trader, than youwith think. year, in owned a modest home, the the past years someone who seeks financial security at press it ten in not Wall Cashflow friend an active trader, stocks, wealth mind, is easier yearstock? eating Over fast food, why own prosperity seeks financial security at portunities all around me toable createto wealth recently, I’ve begun to ,who learnishow to sucstocks, with wealth inrisks. mind, iswas easier that I like to call a “Cashsee the opportunity before year food, why Inothis ownbook someone Cashflowwho Quadrant moving knowledgeably and shared her life with two Street terms, youhas for thatand be? and about trading system, share tolearning a high of eating $71his —fast $1000 inall costs to someonetake whomeasured caneven confidently and learning about his trading system, than you think. cats. Once she died, her rela- McDonalds as the newspapers talked constantly the stock? stock Over(symbol the pastMCD) tenhowyears all costs to someone who can confidently flow” mindset. than you think. understand cessfully trade in the stock market using I me. I able now fully expect that investing inten your thesee stock? Over the past yearsmindset from the E (employee) and This is acomplain simplistic definition a“Great very was in to thestock opportunity before Invest In What You Know Investing in stocks is measured not the risen from a low of (symbol $15 per share a A lot ofbut the Recession.” vested Coca Cola ten years and knowledgeably take risks. of people that Kiyosaki was able to see the opportunity before tives discovered a $150,000 McDonalds stock MCD) the company earnstohas and knowledgeably take measured risks. markets will a huge partinvesting of my fuMcDonalds stock (symbol MCD) has options. As a self-proclaimed real estate important one to understand. Without the Today a resultthe of my in- beexpect side of his Cashflow not provide specific details on task. me. Iongoing now fully that high $95 per share. life insurance policy and $1.5 world’s most challenging This is athe simplistic definition butIna asvery more to a does agoand would belocal worth $4,100 today; in S (self-employed) me. I now fully expect that investing in Invest In What You Know risenoffrom a low of revenue. $15 perThe share This is a simplistic definition but a very volvement playing organizing Invest In What You Know ture financial success in addition to my risen from a low of $15 per sharequadrant to a how people should implement his strat-doesn’t correct mindset, it really matter “zealot”, I never would have dreamed of million in stocks that she bottles and cans of to the B (business owner) and the markets will be a huge part of my fuWanna be a good stock market in-left important one to understand. Without the fact,toatcreate its core, veryinsimple. The events$10,000 the markets will be a huge part of my fuCashflow in Southerninvested California, in Coca Cola stock high of $95 per share. important one to understand. Without the egies financialit’s freedom his to the elementary school’s Coke that onCoca high of $95 per share. how much you learn the “how to” of real Continued pg. 12 investing the equity markets. Howevture success in additionontopg.my vestor? Keep andfund. start with side ofmindset, the quadrant. lay- matter correct really I have matter a thriving real estate investing books isithe never doesn’t truthand is programs. that mindset, theTruth stock market tureinfinancial success in addition to my Continued 2 I (investor)correct Wanna be ita simple good stock market inwould befinancial worth $41,000 today. scholarship Cola sells around it reallyIn doesn’t ADVERTISING Wanna be acreates good stock inpliagas@msn.com business. wasmarket after speaking with one out a step-by-step to” for“how er, after playing Cashflow 202 with my how much you“how learn the to”inofItreal The national mediawith loves man’s terms, it’s theyou mental shift“how from Continued pg. 12 spells the world eachon day, vestor? Keep it simple and start millionaires every year. Investing If you spend more than $100 per how much learn the to” of real Continued on pg. 12 Continued on pg. 2 vestor? Keep itofsimple and start my Cashflow friendswith who was a real building long-term financial freedom. By Doug Carver Organizer Pasadena and Burbank By Doug Carver Cashflow Meetup Groups Organizer Pasadena and Burbank

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PHOTOGRAPHER Stephanie Mojica

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Over the past ten years companies with access to a broader 310.499.9545 Get your PRODUCTION EVENTS & EXPOS WEBSITE mission to be an all-encompassing resource of information for free invel 310.499.9545 Hannah Ash Lori Peebles was able to see the opportunity before Lori Peebles and knowledgeably take measured risks. We provide complimentary copies McDonalds stock (symbol MCD) has Personal Finance News from the Publishers of Realty411 Magazine www.Realty411Guide.com Personal Finance News from the Publishers Magazine - www.Realty411Guide.com to the world’s and me. I now fully expect that investing in This is complimentary just a a tiny the This of is aRealty411 simplistic definition but a very Teri Lori Invest InWe What You KnowBurke Lori Peebles risen from low of $15drop per share toin a provide copies Lori Peebles capital pool, as well as Peebles tools for inves- workers. Welike provide complimentary Maria Victoria markets be acan huge part ofcopies my fu-you in any closing, I’d to theaddthe that ifwillwe assist or if you PHOTOGRAPHER Augusto Meneses one to understand. Without rewards progrh Contact us:way, 310.499. for your CashFlow high of $95group per share. or REIA important Suzanne Lilly Stephanie Mojica ture financial success in addition to my correct mindset, it really doesn’t matter Augusto Meneses Wanna be afor good stock market inocean, as it will take about a decade Contact us: 310.499. your CashFlow group or REIA Augusto Meneses your CashFlow group or please REIA let me know. tor communications and distributions. REACH US, CALL: how much you learnfor the TO “how to” of real Member Benefisug ts: DeCindis Lawrence on our publications or events, vestor? Keep it John simple and start withRuano COPY EDITOR CashFlow Express is published in Santa Barbara County by Realty411. © Copyright 2013. All feedback Rights Be SocialYour and R for the PRODUCTION housing supply to catch upBarbara with WEBSITE Lorifunctions Peebles CashFlow Express is published in Santa County by Realty411. © Copyright 2013. All and Rights As a result, the platform as Barbara Be Social and R CashFlow Express is published in Santa County by Realty411. © Copyright 2013. All Rights comments are always welcomed. Reserved. Reproduction without permission is strictly prohibited. The opinions expressed by writers and 310.499.9545 Maria Victoria PHOTOGRAPHER Personal Finance News from thepermission Publishers of Realty411 - www.Realty411Guide.com Reserved. Reproduction without permission is strictly prohibited. The opinions expressed byreal writers andMagazine the growing demand. Reserved. Reproduction without is strictly prohibited. The opinions expressed by writers andFacebook, columnists are not endorsed by the publishers and/or editorial staff. Before investing in estate, a bridge between investors and real Lori Peebles TO REACH US, CALL: We provide complimentary copies John DeCindis columnists are mutual not endorsed by theorpublishers and/or editorial staff. Before investing in realadvisor, estate, arethe not endorsed byand thefinancial publishers and/or editorial staff. Before investing in real estate, Facebook, bonds, funds, gold, securities,columnists seek the advisement of a trusted It’sAugusto all in numbers, the numPRODUCTION 310.499.9545 Meneses estatestocks, companies looking forgold, funding. for CashFlowofgroup or REIA stocks, bonds, mutual funds, orthe securities, seek the advisement of business a trusted financial advisor, Personal Finance News from Publishers of Realty411 Magazine - www.Realty411Guide.com stocks, bonds, mutual funds, gold, or securities, seek the advisement a trusted financial advisor, attorney or tax consultant. Investing in any asset and market sector is risky and may result in your Lori Peebles Weare provide complimentary copies good! bers looking incredibly attorney tax consultant. Investing in any asset and market sector is risky business and may result in Realtythe Mogul offers equity securities DISCLOSURE AND INFORMATION FO attorney or tax consultant. Investing in any asset and market sector is risky business and may result in loss oforcapital. Please invest responsibly. PRINTED IN THE USA ~ GOD BLESS AMERICA Augusto Meneses CashFlow Express Contact us: 310.499.9545 orRights info@realty411gui for your CashFlow group or REIA is published in Santa Barbara County by Realty411. © Copyright 2013. All DISCLOSURE AND INFORMATION F the loss of capital. Please invest responsibly. PRINTED THE USA ~ GOD AMERICA DI the loss IN of capital. Please investBLESS responsibly. PRINTED IN THE USA ~ GOD BLESS AMERICA through WealthForge, LLC, memThe publications, events, expos and mixer Reserved. Reproduction without permission is strictly prohibited. The opinions expressed by writers and CashFlow Express is published in Santa Barbara County by Realty411. © Copyright 2013. All Rights Be Social and Receive Regular Updates from Connect to our virtual network ~ Search for us here: The publications, events, expos and mixe Reserved. Reproduction withoutto permission is strictly prohibited.~ The opinions expressed by writers and Th Connect our virtual network Search for us here: Connect to our virtual network ~ Search for us here: employees columnists are notstaff. endorsed by the publishers and/or editorial staff. investing inTwitter, real estate, ber FINRA/SIPC. or Before their owners, agentsPinterest, and affilG Facebook, LinkedIn, columnists are not endorsed by the publishers and/or Before investing in real Realty411 estate, Beeditorial Social & Receive to air these stories. It seems there are several old ladies who fit this seemly unique profile year after year. How could that be? Investing in stocks is not the world’s most challenging task. In fact, at its core, it’s very simple. The truth is that the stock market creates millionaires every year. Investing in stocks, with wealth in mind, is easier than you think. Invest In What You Know

Wanna be a good stock market investor? Keep it simple and start with

the larger the company’s profit. Over the past ten years Coke stock (symbol KO) has risen from around $40 per share to a high of $71 — $1000 invested in Coca Cola stock ten years ago would be worth $4,100 today; $10,000 invested in Coca Cola stock would be worth $41,000 today. If you spend more than $100 per year eating fast food, why not own the stock? Over the past ten years McDonalds stock (symbol MCD) has risen from a low of $15 per share to a high of $95 per share. Continued on pg. 12

What he does teach is far more important, and that is how to create a “Cashflow” mindset. Kiyosaki describes it in his book Cashflow Quadrant moving your mindset from the E (employee) and S (self-employed) side of his Cashflow quadrant to the B (business owner) and I (investor) side of the quadrant. In layman’s terms, it’s the mental shift from someone who seeks financial security at all costs to someone who can confidently and knowledgeably take measured risks. This is a simplistic definition but a very important one to understand. Without the correct mindset, it really doesn’t matter how much you learn the “how to” of real

estate investor that I was encouraged to start wholesaling distressed properties. It turned out to be a great decision. More recently, I’ve begun to learn how to successfully trade in the stock market using options. As a self-proclaimed real estate “zealot”, I never would have dreamed of investing in the equity markets. However, after playing Cashflow 202 with my Cashflow friend ,who is an active trader, and learning about his trading system, I was able to see the opportunity before me. I now fully expect that investing in the markets will be a huge part of my future financial success in addition to my

Purchase AND

Continued on pg. 2

Continued on pg. 12

LindaPliag

Continued on pg. 2

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mutual funds, gold, or advisor, securities, seek the advisement of a trusted ﬁnancial advisor, stocks, bonds, mutual funds, gold, or stocks, securities, bonds, seek the advisement of a trusted ﬁnancial attorney or tax consultant. Investing in attorney any asset and sector is risky business and may result asset in ormarket tax consultant. Investing in any andDISCLOSURE market sectorAND is risky business and may result in INFORMATION FOR READERS AND the loss of capital. Please invest responsibly. PRINTED IN THE USA ~ GOD BLESS AMERICA

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EXPO GU For more information on how to the loss of capital. Please invest responsibly. PRINTED IN THE USA DIS ~ GOD AMERICA therein do BLESS notmixers constitute an by offer or solicita the The publications, events, expos and promoted Realty411guide.c FREE Registration • No Sign-Up, Connect to our virtual network ~ Search for us here: Please be aware that real estate investing is become a real estate investor or to The or their owners, employees agents and affiliates (collectively “411”) are foris Please be aware that real estate investing Ple Connect to our virtual network ~ SearchMonthly for us here: any of the information provided and/or sta or Annual Dues! tional and entertainment purposes ONLY. The information and presentations seek capital through the Realty Mogul any of the information provided and/oror stat any the opinions, advice ortoresearch 411. You therein do not constitute an offer or solicitation buy or sell of securities or re marketplace, please visit: the opinions, advice or research of 411. You tion the Please be aware that realdiligence, estate investing RISKY. 411 isinformat not respon due foris VERY all investment http://www.RealtyMogul.com. any of the information and/orfor statistical data presented,informat and do n dueprovided diligence, all investment du the any potential investment or transaction. 41 the opinions, adviceany or research of 411.investment You personallyoraretransaction. 100% responsible potential 41 any Ple of your trustedand attorney, broker,with CPAr due diligence, for advice all investment information for all decisions CashFlow Express • Page 26 advice of your trusted attorney, broker, adv any potential investment or transaction. 411 strongly recommends thatCPA you any advice of your trusted attorney, broker, CPA and/or financial adviser before i the CashFlow Express • Page 4

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CashFlow Express • P

Have you ever done business with this guy? Yeah, he’s the lender who promises low rates and terms, but never closes your deal. He’s also the guy who asks for upfront money just to "look" at a deal, but doesn't return a phone call. You know, the guy who promises everything, but never delivers. Avoid having to deal with “this guy” by establishing relationships with reputable lenders, industry service providers and experienced brokers. A solid network is key to finding success in our industry. You have to know who to call—and for which deal. Make these powerful connections by joining us at Pitbull’s 36th National Hard Money Conference and maybe, just maybe you will never have to do business with “this guy” again.

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Left corner to right: Scenes from our national real estate expos, including the Give Thanks, Give Back Expo in Los Angeles, the Long Island Real Estate Expo in New York, and the Las Vegas Real Estate Expo. All events were produced and co-hosted by Realty411. Join our network to be invited to our events: http://Realty411Guide.com/network

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Article by owner James P. McNamara FSBO Listing in New Orleans, LA Asking Price: $2,600,000. (USD) http://1527harmony.wordpress.com

La Casa de Castille 1527 Harmony Street

Some people remember it as a church, Westminster Presbyterian, built in the 1920s as a house of worship for a historic congregation started in the 1830s. The house is filled with plaques commemorating the contributions of their followers. The current chapter of this wonderful structure began in 1999 when we purchased the building. A massive renovation started to make it our home, including all new electrical, heating/cooling and plumbing systems. We added new structures, relocated the elevator shaft, closed in the front yard and added an amazing living green roof – currently the largest in New Orleans. Our wedding reception took place in this building as well. It was before the

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renovation started in earnest. The band was on the stage with a sheer curtain revealing them. The natural illumination of the colored windows increased the intensity of the setting. Frenchy, the artist, painted the scene from the balcony while guests laughed, danced and cheered into the late evening. The guests were double the number painted but everyone identifies themselves as someone painted. There is a magic in the big room that can be likened to Matisse’s chapel in St Paul de Vence. Our favorite visitors come from the people who worshipped here as a church. The Pedersens celebrated their wedding in August,1959. Now living in Oklahoma, they returned with family to celebrate

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their 50th wedding anniversary. As part of their visit, they wanted a tour. They brought with them photos from their wedding. The alter is currently used as the dining room, which comfortably seats 14. With a project this large, we always moved forward on things that we both agreed on. Then there are projects that we didn’t agree — should the first floor waterfall be a metal sculptured wall or a glass one or a green one? There’s been a bit of a waiting game between us to see who will change their mind and in some cases that hasn’t happened yet. Ultimately, the philosophy that our friend Henry Lambert taught us has ruled: It is better to be happy, than right!

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