Ca$hFlow
EXPRESS
No. 1 / Vol. 1 2012 Passive Income for Today & Tomorrow FREE
Learn How to Create Stock Investors Manifest a
Market Wealth Today “Cashflow” Mindset
By Doug Carver buildinga strong MLM business, etc. You
Organizer Pasadena and Burbank will not succeed. It’s like trying to grow
I
Cashflow Meetup Groups corn in a field of sand. The seeds will not
germinate and you’ll end up with next to
can remember my first time play- nothing to harvest in the fall.
ing Robert Kiyosaki’s Cashflow How you ask does this relate to the
board game about 8 years and Cashflow game? Well, after playing the
how it started a game a bunch of
chain of events times I learned
that continues to this day. the “how to” of
What stuck with me most to getting out of
was not the “how to” of the Rat Race, but
playing the game but the I still was not
people that I met at the able to take what
event. These were not I learned from the
like the normal people in game and apply
my life that would tell me it to my real life
companies and products with which I was crazy for trying to Doug Carver (left) displays the Cashflow financial situa-
By Tyrone Jackson
you are familiar. start my own real estate game to his group members. tion. However, I
TheWealthyInvestor.net
Yes!
If you’ve ever opened a can of Coca business or that financial realized that the
You can be Cola on a hot summer day and felt re- freedom was impossible without a steady time I was spending with my new Cash-
rich from freshed and invigorated, why not own well-paying job. The people I met were flow group friends was changing the way
owning real the stock? It’s a product you know excited about learning and expanding I thought about money and my financial
estate and trading stocks! with a story you understand. When I their knowledge on how to achieve finan- future. I no longer viewed the stock mar-
We’ve all heard the story of the say “a story you understand,” I mean cial freedom. They were active investors ket as a giant rigged system for losing
little old lady who lived modestly to say that you understand how the in real estate and the stock market. They money. I began to see the tremendous
and worked as a school teach- Coca Cola Corpora- were small business owners with a pas- opportunities in the sinking real estate
er for forty years. She never tion makes money, sion and vision for creating more finan- market even as many people I knew were
earned more than $35,000 per or to express it in cial success in their lives. Overall, they losing money on deals that had gone bad.
year, owned a modest home, Wall Street terms, had a mindset for prosperity that I like to Overall, I saw for the first time opportu-
and shared her life with two you understand how call a “Cahflow” mindset. nities all around me to create wealth even
cats. Once she died, her rela- the company earns A lot of people complain that Robert as the newspapers talked constantly of
tives discovered a $150, 000 revenue. The more Kiyosaki in his books and programs does the “Great Recession”.
life insurance policy and $1.5 bottles and cans of not provide the specific details on how Today as a result of my ongoing in-
million in stocks that she left Coke that Coca Cola people should implement his strategies volvement playing and organizing local
to the elementary school’s sells around the to create financial freedom. Truth is he Cashlfow events in Southern California,
scholarship fund. world each day, the never spells out a step by step “how to” I have a thriving real estate investing
The national media loves larger the company’s for building long-term financial free- business. It was after speaking with one
to air these stories around the profit. dom. What he does teach is far more of my Casfhlow friends who was a real
Christmas holidays. It seems Over that important, and that is how to create a estate investor that I was encouraged to
there are several old ladies who fit past ten years Coke stock (symbol “Cashflow” mindset. Robert describes start wholesaling distressed properties. It
this seemly unique profile year after KO) has risen from around $40 per it in his book Cashflow Quadrantas mov- turned out to be a great decision. More
year. How could that be? share to a high of $71. $1000 invest- ing your mindset from the E (employee) recently, I’ve begun to learn how to suc-
Investing in stock is not the ed in Coca Cola stock ten years ago andS (self-employed) side of his Cash- cessfully trade in the stock market using
world’s most changing task. In fact, would be worth $4100 today. $10,000 flow quadrant to the B (business owner) options. As a self-proclaimed real estate
at its core, it’s very simple. The truth invested in Coca Cola stock would be and I (investor) side of the quadrant. In “zealot”, I never would have dreamed of
is that the stock market creates mil- worth $41,000 today. layman’s terms, it’s the mental shift from investing in the equity markets. How-
lionaires every year. Investing in If you spend more than $100 per year someone who seeks financial security ever, after playing Cashflow 202 with my
stock with wealth in mind is easier eating fast food, why not own the at all costs to someone who can confi- Cashflow friend who is an active trader
than you think. stock? Over the past ten years Mc- dently and knowledgablytake measured and learning about his trading system, I
Donalds stock (symbol MCD) has risks. This is a simplistic definition but a was able to see the opportunity before
Invest In What You Know risen from a low of $15 per share to a very important one to understand. With- me. I now fully expect that investing in
high of $95 per share. out the correct mindset, it really doesn’t the markets will be a huge part of my fu-
Wanna be a good stock market in- matter how much you learn the “how to” ture financial success in addition to my
vestor? Keep it simple and start with Continued on pg. 12 of real estate investing, trading stocks,
Continued on pg. 2
Personal Finance News from the Publishers of Realty411 Magazine - www.Realty411Guide.com
Will Big Money Run
Away with CashFlow
Ready to Make an Extra $5,000 to Real Estate Investments?
$30,000 Every Month?
“Your wealth is in your thinking” is the mantra trumpeted most
by stock market teacher and trader Tyrone Jackson. For the past five
years, Mr. Jackson has been helping creative artists and self-directed
investors produce monthly residual income & build long-term wealth
A great financial opportunity does
not stay under the radar for long.
That side road with less traf-
fic gets crowded pretty soon as drivers
hear about it and jump
in buy and hold single-family real es-
tate. This has caught the attention of big
money: funds, institutional investors and
high net worth groups. Distributed single-
in the stock market. His Wealthy Artist/Wealthy Investor program exposes both the experienced off the freeway. High
trader & novice to the powerful concept of monthly residual income.
Yield Cash Flow Real
Estate Investments
Join Tyrone & the CashFlow Express Team
may be headed for a
on February 5 for their Success 2012 Seminar
similar fate.
This is a FREE WORKSHOP, but guests Retail investors have
must RSVP by calling 310.499.9545 had this opportunity
staring them in the face
for a while, and many
have taken advan-
tage of it. Retirees or
Join BILL GATTEN at his next event and learn the people about to retire,
KEY TO CAPITALIZING ON FREE REAL ESTATE individuals suffering
from ‘market gyration
(Acquisition and Ownership) in This Crazy Economy! trauma’ and high net worth individuals family real estate investments are quickly
seeking portfolio diversification have all becoming the ‘unapartment’ portfolios of
We will teach you how our “TRIAD APPROACH” can been adding cash flow residential real es- these funds.
provide the professional real estate community with a tate to their portfolio.
SAFE VEHICLE FOR ACQUIRING, SELLING AND So what should the retail
DEALING WITH ALL TYPES OF REAL ESTATE. So what changed? investor do?
Like all markets this one is moving be- The retail investor should take action.
Learn more at www.LandTrust.net yond the early adopter stage. And the fac- This is still a fragmented market that al-
or call 1.800.409.3444 tors that have made this a great investment lows an investor to own one, two or three
opportunity are compounding. There are properties. They cannot do this in multi-
more distressed assets hitting the market family commercial real estate other than
- Call Or Visit Our Website for Upcoming Educational Training - with a larger shadow inventory waiting in by investment in a fund or a REIT. But
the wings. Morgan Stanley just published it’s important that investors act prudently.
This means not invest-
contents
ing in their own back-
yard favoring proximity
over return. Not invest-
ing with fly-by-night
property sellers who
peddle ‘high return’
1 Create Stock Market Wealth 6 Cash Versus Cashflow properties and then dis-
appear leaving the in-
1 Have a Cashflow Mindset 7 Calculate Your ROI vestor holding the bag.
2 Will Big Money Run Away? 8 The Nested Action Cycle And not doing thorough
due diligence on the
3 Six Tips for Faster Wealth 9 Investor Spotlight area, the property and
the provider.
4 Focus Versus Diversification 10 Resource Directory The HomeUnion Services team are ready to assist new investors.
Finally, they should
5 Jump Start Success 11 Inside Our Expos a report that suggests the U.S. is moving not buy the property from one entity and
towards a Rentership Society with home have another entity manage their invest-
ownership declining to 59%. A recent ment. In other words the retail investor
Our Goal is to Educate, Motivate & Inspire New Investors Mortgage Bankers Association study says has to do the very things that the large
Realty411
that home prices may have hit bottom. funds do before they invest.
This means that investors have a grow-
ing number of properties that they can Discover a whole new way to unleash fully-
buy cheaply and then select from a large managed, high-income cashflow real estate
ADVERTISING
FOUNDER
Manifest Media Partners
CashFlow Express is published in San- pool of qualified renters. It all adds up to investments, call (866)732-3220 or email:
Linda Pliagas ta Barbara County by Manifest Media
pliagas@msn.com 310.994.1962 Partners. ©Copyright 2007-2012. All stable high yields for people investing cashflow@HomeUnionServices.com
EDITORIAL STAFF EVENTS & EXPOS Rights Reserved. Reproduction without
Lori Peebles Lawrence Ruano permission is strictly prohibited. The
Anita Cooper Wendy Pineda opinions expressed by writers and col-
CALIFORNIA DISTRIBUTION
CashFlow Mindset, pg. 1
Andre Sanchez umnists are not endorsed by the pub-
Brianna Bertrand Professional Distribution Solutions lishers and/or editorial staff. Before in-
COPY EDITOR 1.877.418.6500 vesting in stocks, bonds, mutual funds,
Anita Cooper NATIONAL DISTRIBUTION gold, other securities and commodities real estate activities. actively pursuing financial freedom
KJ Banks: 805.377.6328
PHOTOGRAPHERS and/or real estate, seek the advisement Robert Kiyosaki’s Cashflow 101 and and see the world full of financial op-
Sam Green PUBLISHED BY of a trusted financial adviser, attorney
John DeCindis Manifest Media Partners or tax consultant. Investing is risky busi- 202 are great boardgames to expand portunity and money making possibil-
PRODUCTION ness and may result in loss of capital.
Augusto Meneses
SUBSCRIPTIONS/INFO:
310.499.9545 Please invest responsibly. your financial intelligence, but I hope ities. By hanging out with these folks
WEB DESIGN Join Our VIP Social Network: PRINTED IN THE USA. you can now see they are the basis for at your local Cashflow group,
Diggs Design http://realty411guide.ning.com GOD BLESS AMERICA
so much more. They create a frame- I know you too will begin develop
Connect to our virtual network ~ Search for us here: work for building lasting relationships your own “Cashflow” mindset and
with people who have a “Cashflow” begin to see real changes in your fi-
mindset. These are people who are nancial future.
publisher’s note Be A Guest at a FREE
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E
vestment. For example, if you are
veryone a first-time home buyer (or even an
yearns for empty nester), be open to the idea of
abundance purchasing a duplex or other multi-
and finan- family property instead of a typical
cial security, it is a single family residence. This way,
human desire we all you can live in one unit and rent out
share. It is a motiva- the other for income. As a landlord
tion ingrained in us myself, I know it’s not easy to live
as part of our survival near tenants, but if you screen your
mechanism. While we prospective renters correctly, it will
all have that as a com- reduce future nightmares. Be smart,
mon goal, only a limited few ever actually let other people pay off your mortgage!
reach true financial security. The statistics You can always save money and then buy
can be depressing. According to the Re- another home later, after you build a pas-
tirement Confidence Survey (2006), 53% sive income stream.
of Americans have less than $25,000 in
retirement savings. Plus, 30% mistakenly 2. Increase Your Formal AND Finan-
believe that they will only need $250,000 cial Education. Did you know that earn-
or less in total retirement savings. ing a bachelor’s degree can increase your
One of the problems in our society is income by $25,000 annually? Plus, it gets
a lack of discipline in regards to saving. better: According to Census Data, earning
In fact, a recent study by Harris Interac- a graduate degree will net a person an-
tive found that 57% of households do not other $20,000 per year — that’s $45,000
even have a budget (2009 Financial Lit- more, year after year! Now, don’t com-
eracy Study). plain about the high cost of education or
In my 20 year plus career in journalism, how “hard” it is to go back to school. My
I have interviewed many successful and former neighbor was her ‘50s, running
wealthy people, from her own business and
celebrities to company attending graduate
CEOs. Undoubtedly, part school part-time. It’s
of the perk to this profes- never to late!
sion was being able to
unlock their secrets. I’ve
It’s also important
to keep in mind that Real Estate
compiled a list of impor-
tant guidelines, which
were followed by many
universities do NOT
teach people how to Syndication Lawyers
get rich. So on top of Private Placements • Group Investments
of those who transformed your formal educa-
their mediocre life and tion, start taking class- LLC/Partnership Agreements • All 50 States
average paychecks into Linda with real estate mogul & educator es about investing.
Dave Lindahl (www.REMentor.com)
extraordinary wealth.
These steps are not
Financial classes are
taught at most adult
www.SyndicationLawyers.com
easy to follow, but they will get you started schools and colleges for a nominal fee.
on a disciplined path and lead you toward I have also attended real estate seminars
creating a wealth-conscious mindset. for many years and have learned great tips
1. Reduce Your Household Expenses.
from top mentors, such as Dave Lindahl.
Looking for a Turnkey Rental in Kansas City?
Living in California, we have some of 3. Be an Aggressive/Conservative In-
the highest real estate prices in the na- vestor. Although it may sound like an
tion so reducing living costs can be a sac- oxymoron to be both aggressive yet con-
rifice. One move that I have seen many servative, it isn’t. It’s all about planning.
real estate moguls make is that they start
off their portfolio with a multifamily in- Continued on pg. 9
ebsite
The W nched Sign Up Online
t Lau ut
tha Deb
Our zine! for our Pocket
Maga
e-Mail Listings!
CASHFLOWCOWS.com
Focus vs. Diversification per assets that allow no controls. Finan-
cial intelligence is the key to increasing
your controls over your investments. It’s
put it perfectly when he said, “Diversifi-
cation is a protection against ignorance.
Diversification is not required if a person
A CPA/Investor Analysis
extremely important to continue to in- knows what they are doing.” So if diver-
crease your financial intelligence in order sification is a protection against ignorance
to protect yourself. Unfortunately, finan- then when you diversify who’s ignorance
cial intelligence is not taught in schools are you protecting yourself from? Your
because such a large portion of the popu- ignorance and your financial advisors
By Mathew Owens, CPA sets then you are not affected as much by lation, including teachers and politicians, ignorance? Focus, not diversification, is
www.ocgproperties.com market crashes. For example, if you in- do not have a very high financial IQ. the key to more sophisticated leverage,
M
vest in assets like real estate that produce When financial advisors say that an higher returns, and lower risk.
ost of what has been cash flow through rental income after all increase in returns means an increase in The point I am trying to make is that
drilled into our of your expenses are covered, if the real risk, they are right when speaking about if you increase your financial intelligence
heads about invest- estate market and stock market crash you the paper assets they recommend to inves- about specific asset classes, like real es-
ing in mutual funds, are still in great shape. While everything tors that they make major commissions tate, you will learn how to control your
CD’s paying down is crashing you are still receiving your on BEFORE showing performance. They own financial security and wealth cre-
our mortgage and diversifying is noth- rents and do not need to sell the asset. In- are wrong when speaking for all assets. ation instead of relying on some finan-
ing but smoke and mirrors. The financial vesting in non-paper assets (i.e. not mutu-
Most financial advisors
al funds or CD’s) allows you to use lever-
age as well which increases your
wealth by making your money
work harder for you. Most fi-
nancial planners will tell you
recommend diversification
that using leverage increases
risk. That is not always the case but they do not really diversify.
if you have the right financial
knowledge to control the invest-
ment and enable safety controls
on your leverage use. They will Financial advisors are simply salespeople. cial advisor who probably does not know
also tell you that real estate is a Most people invest in paper assets such as what they are doing. Look at the massive
risky investment. The reason savings, stocks, bonds, mutual funds and wealth transfer that just occurred when
for that is that financial plan- index funds because they do not want to the market crashed while bailing out the
ners typically lack the financial take responsibility and control over their banks (i.e. the top 1% wealthy individuals
knowledge about how to control financial well being. All they want is to increased their wealth while the middle
services companies like Fidelity, Charles real estate and make it profitable. Most fi- turn their money over to an investment class and poor decreased in wealth). This
Schwab and financial planners are the nancial planners put people into paper as- advisor who hopefully does a good job. happened because most people do not
ones making all of the money. The prob- sets where the investor does not have con- Out of sight, out of mind. If people want have the financial intelligence to protect
lem is that most people have very little trol and therefore it is hugely risky to use more control, the first thing they need to themselves. Starting to get financially
financial education in order to invest for leverage. In real estate investments the do is increase their financial intelligence educated is the key to wealth creation.
retirement properly so they hand over value of the property should not be based and hopefully increase their financial con- So get to the bookstore and start reading.
their money to someone they HOPE will on the “opinion” of an appraiser but on trols and leverage ratios. Take classes on financial intelligence and
have the right knowledge base to safely the income that it produces through rents. Most financial advisors recommend di- ways to increase wealth.
increase their wealth. The problem is The value of the rental real estate is de- versification but they do not really diver- It is the key to your success and preserv-
that these investment types are HUGE- pendent on jobs, salaries, demographics, sify. First they only invest your money ing your wealth so that financial predators
LY RISKY. These types of asset classes, local industry, and supply and demand of in one asset class, paper assets. Second, (i.e. the government, financial advisors
paper assets, do not allow the investor affordable housing. In a housing crash, mutual funds are already diversified in- and the large mutual fund peddling com-
control. Then during market crashes, all the demand for rental units often goes up, vestments which are invested in a pool panies like Fidelity and Charles Schwab)
most can do is watch helplessly as their which means rents increase causing the of good and bad stocks which does not do not take all of your wealth away by in-
wealth gets whipped out along with their value of your property to increase. You increase the value or decrease the risk vesting it in asset classes that do not allow
financial security. can control rental real estate and which of the investments. Professional inves- you any controls over those investments.
If you have more control over your as- geographic areas you invest in unlike pa- tors DO NOT diversify. Warren Buffett
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Jump Start a New Year of Success Cash vs. Cashflow, pg. 6
ating $10,000 of monthly cashflow?
If you get nothing from this article,
By Geraldine Barry • I have always been incred- yourself, this is a process it does not hap- please get this. First, if you ever expect to
Founder of SJREI ibly optimistic but now as I pen over-night. create wealth and experience any sort of
I
grow and learn to navigate • Lastly, live in the moment - whatever financial independence while you’re still
t’s a New Year — this game called life, I have you are doing give it 100% of your atten- young enough to enjoy it, you’ll need to
time to reevaluate, come to embrace this gift that tion. Walking the dog, having tea with a adopt, embrace and implement a residual
improve and refine I have been blessed with ev- friend, working, talking to your children - mindset. Second, don’t get stopped in
our daily habits and ery day. How do I do that? I be present, enjoy that moment. Your fam- your pursuit of residual income by con-
actions for success. Small, start my day with a prayer of ily and friends will love you for this level fusing the value of cash and cashflow.
incremental changes can gratitude naming the things of attention — very few people can truly Making the transition from accumulator
reap big rewards in terms of productivity that I am grateful for - my fam- do this. Be wary of electronics they can to residual-incomer and creating wealth
and business opportunities. As a planner ily, my warm cozy home, my friends, a be thieves of our time, and our spirit...the can also take some time, but by maintaing
myself I understand the significance of es- hot cup of tea, a great book, quiet time to things that renew you are not material — a focus on cashflow, the time it takes will
tablishing goals to create new outcomes. think, process or write, my warm SJREI they are love, companionship, friendship, be nothing in the remote vicinity of the 40
If we can break those down into smaller business community. family, community, giving back. year traditional alternative.
more manageable components we can By appreciating these things, and so Be brave, do whatever it takes to ac-
many other seemingly trivial things I am complish new results — Make 2012 your Matt Theriault is an author, entrepreneur
achieve results more quickly.
happier, more content and I realise that best year yet! and host of the fastest growing real estate
Here are some things to consider as
what I appreciate grows more secure, and investing podcast on iTunes. Visit www.
you plan for another year:
becomes more defined in my life. Geraldine Barry is founder and president EpicProfessionals.com for more infor-
Try it — I think you will like it too. of SJREI Association the premier educa- mation and to retrieve his free real estate
• If you don’t like things in your life you
tional and networking association for real investing course How to Do Deals - No
have the power to change them by sim-
• There are people who drag us down estate investors in the Bay area. Under Money Required.
ply changing yourself — things don’t
change, but you can! Any little modifica- — nay sayers if you will. Remove those Geraldine’s leadership SJREI has grown
tion can make a difference - an introduc- people from your life. If they are your from a half-dozen investors to a vibrant Dream of Retiring Early?
T WITH CONFIDENCE
tion of something new, an exercise rou- family members, show them a new way three chapter organization with over 400
to be by mirroring for them your great investors attending monthly meetings. Join our Facebook
tine, a daily reading schedule, journaling,
or simply bonding with your family. new attitude. My Dad shared with me In addition to leading SJREI, Geraldine Group and Mingle
(he ran a company, and had a family of is the frequent host of the radio program, with Successful
• How you present yourself to the world six daughters, two sons and a wife!) that Going Beyond Real Estate, a regular Investors who Share
E D I AT E C A S H F LOW
makes a difference, how you look, how sometimes he survived by “psychologi-
you speak, how you interact with others, cally absenting himself” from negative
guest on the nationally broadcasted NT-
DTV, publisher of award winning publi-
Your Financial Goals.
Share Tips • Post Deals
who you interact with, what you read, situations. cation REI Voice Magazine, and producer
D iscover the lowest-risk, highest-quality residential investment properties in the Request & Give Referrals
what you spend your time doing. sophisticated methodology,youbest investment properties areout,
What How do do that? Tune them of the annual Bay Area Real Estate Expo.
country. Using the Post Links • Interact with
is your message to the world? I am an experienced investor and rehabbed beautifully to situations,
carefully selected by here, capitulate, get away from secure the Geraldine resides in Silicon Valley, and is
Nearly 3,000 members!
ready to take on a newtenants. With competent property management, and instant cashdon’t propel
best challenge and I people and attitudes that flow, your the proud mother of Colin and Claire, her
want to change the investmentin a worry-free dividends from day one. Remember to be gentle as
world pays positive you forward. two children. Contact Geraldine Barry JOIN & POST TO THE GROUP BY EMAILING:
way... it is your choice. you work on this and have patience with at: sjrei.geraldine@gmail.com retireearlywithrealestate@groups.facebook.com
PROFILE OF YOUR FUTURE PORTFOLIO
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best tenants. With competent property management, and instant cash flow, your
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M
ost of America was to travel. For if someday doesn’t arrive, are just squeaking by and only 1% of the flow when you’ve got $30,000 of cash
raised in a household it’s not like you can go back and try again. population actually reaches the age of 65 staring you in the face? I agree, there’s
where the road to You’re essentially at the end of life’s road “wealthy.” A “residual” mindset is what nothing sexy about $300, it has little value
wealth and success once you discover if it worked for you or this wealthy 1% has in common. It has today. It might buy you a pair of designer
was paved with the not. And what if it doesn’t? Then what?! been said that success leaves clues. In this jeans or a fancy dinner and a bottle of
ideology of going to school, getting good There is a road less traveled that de- context, however, success is leaving evi- wine. However, $300 of cashflow to the
grades, getting a good job, investing 10% serves your consideration. Additionally, dence, isn’t it? residual-incomer has tremendous value.
of your income, maxing out the 401K, you might want to know that it’s faster As more and more studies and research You see, as I’m writing this article, the
cutting up credit cards and clipping cou- and easier, as well. I’ll prove it to you. are conducted, the concept of residual in- financial institution ING is advertising a
pons. If this is you, STOP IT! That sys- The alternative road exists within a “re- come and its wealth creating power are 1% interest rate on their money market
tem is broken. It’s this “traditional” road sidual” mindset. The group that chooses becoming more common knowledge by account. I choose to use ING as an exam-
to success that could potentially be the this road lives life quite differently. They the day. That being the case, one has to ple because it’s just about the most gener-
How to Create Wealth: Cash vs. Cashflow
By Matt Theriault, EpicRealEstateInvesting.com and www.REICcashflow.com
demise of society as we know it, if not wonder why more people don’t ap- ous savings account available today to the
the entire country itself. ply this knowledge once it has been average consumer. So I’ll ask you, “How
It’s no secret that the current economy learned. much cash would you need to deposit
is a trying one for most. However, for It’s simple, actually. People into that ING account to generate $300 of
some, it’s the most profitable and suc- looking to make the transition from monthly cashflow?”
cessful economy they’ve ever experi- “accumulator” to “residual incomer”
enced, or will ever experience again. confuse cash and cashflow. Within the $360,000!
Why are some succeeding today and real estate investing arena, this con-
most are not? What road are they travel- fusion can be clearly illustrated, and An ING money market account balance
ing? What are they doing differently? I here’s how... of $360,000 would have to be maintained
could draw your attention to a number One, among many, of the attrac- to generate $300 of monthly cashflow.
of differences between the two group’s tive attributes real estate investing In summary, $300 of cash is worth $300
actions, yet what ultimately separates the possesses is that it can produce two of cash, but $300 of monthly cashflow is
two is little more than mindset. wake up every day with a focus of creat- types of income. Real estate can produce worth $360,000 of cash sitting in the most
Those traveling that antiquated tradi- ing or managing systems to work for their large amounts of cash through short term generous savings account available today.
tional road to success possess an “ac- money as opposed to they themselves strategies like fix-and-flip and wholesal- Do you get the difference now?
cumulation” mindset. This group wakes working for their money. Their focus ing. Real estate can also produce smaller And here’s more... Which is a longer,
up every day and goes to work for their is placed on creating residual income, amounts of monthly cashflow through not to mention more more difficult, road
money. Their focus, whether consciously whether through a business system or longer term strategies like buy-and-hold to travel? Accumulating $360,000 of
or subconsciously, is placed on exchang- their money earning money itself. They and lease optioning. The accumulator cash? Or, creating $300 a month of cash-
ing time for dollars with the hopes at know that once their residual income ex- looking to transition to residual-incomer flow?
some point in their life their income will ceeds their expenses, the accumulation will frequently, if not always, choose a You know your situation, skills and re-
rise, and their investments will perform, of assets and the creation of wealth will $30,000 fix-and-flip cash pay out over a sources better than I do, but creating $300
to a level that someday they will have essentially happen automatically whether $300 a month buy-and-hold cashflow. Al- a month of cashflow not only sounds fast-
accumulated enough to retire. they get up and go to work or not; And though they have the greatest intentions of er and easier, it is do-able. It’s realistic, as
Sure, this mindset has worked for it doesn’t take 40 years for wealth to be becoming a residual-incomer, their accu- opposed to the traditional-get-rich-slow
some, but it’s failing the vast majority created in this manner, either... far from it. mulation mindset is so ingrained that they program that has the country by the balls.
of our population. The reason being is Contrary to the “risky” label this road to can’t resist the big cash pay outs real es- Alright, alright... I can hear it now. No,
that this vast majority doesn’t start ac- wealth is commonly given, it is the road tate offers. It’s their mindset that prevents $300 of cashflow isn’t going to make a
cumulating (i.e. saving, investing) early that gives you the greatest shot at creating them from recognizing the true value of dramatic difference in your lifestyle. So
enough or possess the discipline to fol- wealth. $300 of monthly cashflow. And because what would? $5,000 a month? $10,000
low through to the end. Accumulation Maybe this is news to you, maybe it’s the accumulator tragically confuses $300 a month? By performing the same math
takes time, a lot of time. This entire ap- something you’ve known for a while or of cash with $300 of cashflow, they con- with today’s interest rates, you would need
proach to creating wealth is based on a maybe it’s just plain and simple common tinue to exchange time for dollars always to accumulate and deposit $12,000,000
principle called “someday.” Unfortu- sense. Regardless of where you stand, in search of that next “flip” and never take of cash into that ING account to cre-
nately, someday never seems to arrive. one would be hard-pressed to formulate that first step toward becoming a residual- ate $10,000 a month of cashflow. Again,
And for the few of which someday does a solid argument against it. The writ- incomer. which is a longer more difficult road? Ac-
arrive, it’s a 40 to 50 year journey. ing is on the wall. Depending on which Can you blame them, though? It’s easy cumulating $12,000,000 of cash? Or, cre-
Contrary to the “safe” label this road source you reference, the “traditional” to get caught up in the moment, right?
to wealth has been given, it’s a risky road road is failing 90-95% of the country, 4% What’s so appealing about $300 of cash- Continued on pg. 5
We give people a FREE game
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[ Calculate Your ROI
Return On Investment [ written by
R
eturn on investment. leased tenant in chase price for this home was $85,000. Principle & Interest - $4,586.52
That’s whole point place. If you There are two different ways we can go Net Operating Income = $3,953.48
right? Being able to did not have a here.
accurately determine leased tenant Assuming we paid cash for the prop- So, that’s a big difference right? You
what your dollar is producing in place, you erty, the ROI calculation would look like bet. Let’s take a looke at the difference in
is a critical step. Not just after would consider this; your actual ROI.
you’ve made your investment, this calculation $8540 / $85,000 = .1005 Remember, your Cash Flow is calcu-
but it is also a critical step in as if it were part lated against the dollar amount you have
making decisions on future in- of a pro forma. So using these assumptions, we have an invested. In this case your total out of
vestments. For instance, accu- You would have ROI of 10%. You might be thinking to pocket investment is your down payment
rately predicting the return on an to consider yourself: “Wow, what if I managed the of $21,250.
“all-cash”purchase, vs. one that is things like “Va- property myself, or eliminated the main- $3,953.48 / $21,250 = .1860
financed can produce very stark results. cancy Rates”, “Rent Bumps”, and “Tax tenance reserve”. These are great obser-
Let’s take a look at a typical income- Consequences” and deduct them from vations, but we’ll talk about that in a min- So you can see that by financing this par-
producing residential property. The first your Gross Rental Income. ute. ticular property, you are actually receiv-
step is to identify all the variables we are ing an ROI of 18.6%.
working with. In this example, we are Here is what this calculation looks like: Financing Vs. All Cash Purchase
calculating a rate of return over the course Gross Rental Rate + $12,000 Let’s assume you financed this property. The Value of Your Time
of one year. Taxes - $1,000 Again, we’ll use some typical numbers to Remember those thoughts you had earlier
Insurance - $500 illustrate. After your 25% down payment about reducing things like maintenance
Net Operating Income (NOI) Property Management - $1600 ($21,250), you leave behind an amount reserves or eliminating property manage-
Every month, you get a happy rent check Maintenance Reserve - $360 of $63,750 that is financed at 6% for 30 ment? As you can see, calculating your
in the mail. This is your “Gross Rental Net Operating Income = $8,540 years. ROI is a simple and powerful tool that
Income”. Now let’s take a look at the cost you can use to make decisions on poten-
of your investment. For most properties, That’s it. Simple right? When you hear Here is what your calculation would tial investments. But there is something
these are pretty standard and easy to iden- talk about “Cash-Flow”, it is your NOI look like: missing from this equation – the value of
tify. that we are talking about. So, we have Gross Rental Rate + $12,000 your time.
For this example we will assume the identified our gross rental rate, and our net Taxes - $1,000 For some reason, we have the tendency
basics; Insurance, taxes, property man- operating income or “cash-flow”. Insurance - $500 to consider our own time as some infinite
agement and a maintenance reserve. We Let’s go ahead and calculate our actual Property Management - $1600
will also assume that the property has a ROI for the year assuming that the pur- Maintenance Reserve - $360 Continued on pg. 10
An Innovative Approach About Leonardo Management, Inc.
to Property Operations H eadquartered in Santa Monica, California, Leonardo Management
was established in 2008 by veteran real estate executive Daniel Cun-
Leonardo Management & ningham and has grown quickly to provide 3rd-party management services
to commercial office, retail and multi-family clients throughout California,
Arizona, Colorado and New Mexico.
the Nested Action Cycle Leonardo’s customer service and leasing was recently ranked #1 in the
entire country by Ellis Partners in Mystery Shopping and by utilizing its
proprietary software which automates on-site operations. Leonardo also of-
fers a one-two punch in operations and leasing which adds unprecedented
By Daniel Cunningham to maximize profit, and dozens of distinct value to their clients.
President, Leonardo Management, Inc. roles a manager must play throughout the Representatives can be reached at:
O
week to get it all done. On any given day, info@leonardomgmt.com or at 213-674-4140
ne of the interesting things a manager may act as psychiatrist, coun-
about managing multi-family selor, contractor, lifeguard, janitor, police
apartments is that two simi- officer, accountant, salesperson, IT tech- vious company or whatever process was Leonardo Management and we started
lar apartment communities, nician, gardener, cheerleader, marketing easiest for them. Even when we did have using the tag line “The Science of Prop-
in close proximity, can have such vastly rep, and lawyer, just to name a few. I’m a defined process I found that if we didn’t erty Management” to recognize this new,
different levels of success even though getting tired just writing about it all and, constantly audit compliance with the pro- methodical way of approaching opera-
the product might be quite frankly, it’s more than cedure, invariably it would be neglected tions.
comparable. Vacancies and some people can han- in practice. We adopted a very “reactive” But then we took things once step fur-
rentals can vary greatly dle if they aren’t able mode of management whereby we would ther. Once the NAC was formulated and
among similar product to prioritize. It’s tre- get one problem under control just as the in use by the property managers within
types within the same mendously difficult next one would arise, with no opportunity Leonardo, we then used the same ap-
market. One property can to keep focused on to plan and get ahead of the game. proach to develop a software platform
appear well-kept and wel- what’s most impor- That was when I invented the “Nested which we called the Leonardo Intel-
coming; the other, com- tant when there are Action Cycle” (the “NAC”) approach to ligent Property Management System
pletely uninviting. Staff at so many demands on property management. I mapped out ev- (IPM). Now all our managers have to do
one property may convert one’s time. And when ery daily, weekly, monthly and annual task is log into IPM every morning and it tells
a greater number of tours an individual proper- which needed to be done and worked out them exactly what they need to be do-
into leases than the other. ty can be worth tens a system to track them so that we’d never ing that day, that week, and that month.
What makes the differ- of millions of dollars drop any balls on the operations side ever Like a friendly electronic Regional Man-
ence in a well-run, highly with revenues of sev- again. The shorter cycles nested within ager looking over their shoulder offering
occupied property isn’t eral million dollars a the longer cycles, ultimately producing a guidance, IPM never takes a vacation,
luck, and most of the time year, losing focus for clockwork-like conductor of management never gets distracted with other issues at
it isn’t even related to the even just a short time activity that covered the gamut of every- other properties, and never, ever forgets
physical property itself. The most signifi- can have serious financial ramifications. thing a manager needs to think about to what needs to be done. It sweats all those
cant factor, responsible for at least 90% I learned all this the hard way. I had efficiently and effectively operate an apart- details I mentioned earlier and so now
of the success in this business, is the lo- been an Asset Manager most of my career ment community. By “dialing” the NAC we can manage more properties with
cal staff running operations. Behind every – most notably Director of Asset Manage- to today’s date, the nested action cycles fewer regional staff and still make sure
successful property is a manager who is ment for AIMCO, one of the largest own- would instantly produce all of the tasks a balls never get dropped. Owners can log
passionate about the job and, even more ers of apartment buildings in the United manager should be doing on that date. The in any time to see what action items are
important, is thorough and consistent in States. So when the developer for whom NAC was difficult to formulate, but amaz- complete and when they were done. It
the day-to-day management—a manager I worked in 2007 asked me to start an in- ingly straightforward in its application. provides unprecedented transparency
who really sweats the details. house property management company Taken as a whole it actually provides an and our clients love it.
And therein lies the problem. There are for them, I figured it would be a piece of entire year’s worth of explicit day-by-day We’ve had lots of requests to license
a LOT of details involved in running any cake. activities that, when followed in a regular, the Leonardo IPM and we’re taking an
apartment building, and trying to “sweat” I couldn’t have been more wrong. The disciplined fashion, without question will honest look at that possibility. But until
all of them can cause burnout in even the year we took over property management result in a meticulously managed property that time comes, Leonardo Management
best managers. You see, an apartment for the 1,300 units owned by that devel- that will enjoy higher occupancy, lower benefits by have a very real and propri-
building is a self-contained, (hopefully) oper turned out to be one of the most chal- expenses, and better resident satisfaction etary value proposition to offer property
self-sustaining business, and a compli- lenging of my career. My prior high-level than neighboring competitors, with the end owners – a way to do things better. You
cated one at that. It has income and ex- “asset management” experience had im- result being a more profitable business. can read more about us and Leonardo
penses, labor costs and marketing plans, printed a hands-off instinct which left too The NAC gave us such an advantage in IPM at www.leonardomgmt.com. We’d
budgets vs. projections, and even human many details to the on-site staff, and the operating these properties that I was in- be pleased to offer a demo to any inter-
resources and legal matters that must be wheels started to come off the cart. For spired to buy that management company ested property owner.
dealt with. Often the lion’s share of co- every process that lacked a solid, well- from the developer and establish a pure
ordinating all this falls to a lone property documented procedure in place, the man- third-party management company of my To receive a free demo, please contact
manager. There are a bazillion moving agers would quickly default to whatever own which would be based on the princi- Leonardo Management at 213.674.4140
parts, hundreds of levers to manipulate habits they had developed under a pre- pals established by the NAC. That became or email info@leonardomgmt.com
Your asset deserves a first-rate
Property Manager! www.SantaBarbaraREIA.com
On line all the time
Free education, national speakers, YouTube videos,
Leonardo Management provides commercial office, retail and networking, learn from the best how to invest
866-853-0803 www.PersonalPowerProject.com
multi-family management services in AZ, CA, CO, NM and NV. Go Green and Kick Gas!
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do it. If clipping coupons and wearing off-
Investor Spotlight
6 Keys for Financial Freedom, pg. 3
the-rack clothes is beneath you, then you
The amount of risk you take with your need to change the attitude. Start making
money should be related to your age. The a game out of saving and being frugal.
younger you are, the more risk you can See how much money you can put away
handle. But, don’t be foolish: One should in the cookie jar each week. Before you
never invest in something they do not ful- spend a dime, consciously think about the MARCK B. de LAUTOUR, MBA
ly understand. If stocks interest you, start action you are taking. Figure out if there Marck de Latour is a native New Zealander currently
learning about the market. Learn how to is a better way to get what you need at a living in the Kansas City area. He graduated from the
decipher financial statements. If real es- lower cost. Can you buy it second-hand? University of Missouri, Kansas City with an MBA in
tate is your game, start attending REIAs Does someone else you know need the International Business Management. For the past 10
(Real Estate Investment Associations). same thing? Perhaps you can split the cost years, he has been a full-time real estate investor, spe-
Also, don’t get greedy! I’ve known and usage? Can you barter a service in ex- cializing in the pre-foreclosure market in the Kansas
investors who were so desperate for that change? Hold on to your pennies because City area. Marck currently owns over 90 properties,
20% return that they gave their money to they can accumulate into a fortune. all acquired using techniques that he developed into a
unscrupulous companies only to never see program, which he created to help others. He has a
their principal again! Guard your princi- 6. Step it Up a Notch. Let’s get one thing thorough understanding of all phases of the foreclosure
ple, settle for less interest if need be, if the straight, the 4-hour work week is a com- process, from pre-foreclosure negotiations, acquisition, Marck de Lautour
money is lost, it can take years to rebuild. plete myth. The reality is: Success doesn’t courthouse foreclosure auctions, rehab, leasing and SBD Housing Solutions
come easy...if it did, everyone would have property management. Be sure to give Marck a ring to www.sbdhousing.com
4. Don’t Follow the Crowd. Most Amer- a few million dollars in their bank ac- learn how easy it is to start your cashflow portfolio. Ph: (816) 994-9401
icans are broke, why on Earth would you count.
follow their bad habits? Trying to keep The wealthy people I know who were
up with your neighbors can destroy your not born with a silver spoon toiled end- DAN HOLZER - JVD ASSET MANAGEMENT
chances of financial freedom. Also be less hours to get where they are. Some-
mindful of competition between family times they worked two jobs just to be able Dan Holzer is the Chief Investment Of-
members. For example, some families to pay off college debt or save enough ficer of JVD Asset Management located
love to outdo each other in their travels. money for a down payment on a home. in San Diego. JVD is one of the top 10
It’s non-stop cruises, trips to Hawaii, and Others returned to school and juggled purchasers of first trust deeds at foreclo-
weekends in Las Vegas. But guess what? employment and family obligations for sure auctions in San Diego County. In
They’re broke! Some of my friends and many years. fact, they have purchased well over $25
family make fun of me because of my fru- If you are not happy with your lot in million in distressed real estate. What
gality. They can jest all they want because life and you feel you deserve better, don’t is the secret to their success? “We have
I’ll be laughing all the way to the bank! just wish it to be so and wait. TAKE AC- developed our own proprietary software
Many wealthy people are odd and ec- TION. Don’t be lazy, don’t make excuses, to select profitable homes with a 94% ac-
centric, I used to think that money made and don’t feel sorry for yourself. Stay curacy,” says Holzer. Past returns for in-
them like that, but now I realize that they positive, keep focused and you will see vestors ranged from 10% to 20% ROI. If
just don’t care about what others think. abundance before you know it. investing in California distressed proper-
JVD Asset Management, LLC ties is of interest to you, be sure to contact
It was probably this defiant attitude that www.jvdassetmanagement.com
made them rich in the first place. I hope these ideas will inspire and light Dan with JVD Asset Management.
Ph: (619) 794-1004
your path towards financial freedom. I
5. Saving is Sexy, It’s Fun to Be Frugal. welcome your comments, please contact
If saving is a deplorable chore, you won’t me at: pliagas@aol.com or 310.499.9545
J o in “Make the Market
Work for You!”
U s In
DALLAS
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w w w. Ju s t S o l d It . c o m
Invest Arizona, pg. 7
cessing rental applications and if you viewed the value of your
Resource Directory property management? Is the cost
of your time competitive with
leasing your property alone.
Let’s also assume, you weren’t
time the same way you view
your cash out of pocket. You
that of a property management quite able to get the property have spent almost as much in
company? How many hours can leased in month 1, so you only time getting the property leased
you devote to marketing your have eleven months of rental in- as your property management
rental property? How many come. company would have billed you
hours can you devote to showing Here is what your ROI calcu- for the entire year.
your property? How many hours lation (accounting for your time) To some, this is not only an ac-
can you devote to screening ten- might look like: ceptable expense, but an essen-
ants? How many hours can you tial one. Some may not have the
devote to managing maintenance Gross Rental Rate + $11,000 time to devote to being actively
and repairs? Can you do all this Taxes - $1,000 involved in their investments. It
and still ensure the property is Insurance - $500 isn’t the point of this article to
leased starting on day 1 of the Self-Managed - $1,575 judge, only to emphasize how
investment period? Maintenance Reserve - $360 critical it is that you properly
Let’s look at the same ROI Net Operating Income = evaluate your ROI. Only then
calculation (paid for in cash) but $7,565 will you be able to accurately
add some reasonable assump- Your ROI $7,565 / $85000 = determine your investment’s real
Emerge Investments, LLC tions based on you managing the .089 or 8.9%. worth.
Commercial Real Estate Investment property vs. your property man-
www.EmergeInvestmentsLLC.com agement firm. We will assume Again, this example is only Deborah Gordon is a Real Es-
you spent a total of twenty-five meant to illustrate what your in- tate Investment Specialist at In-
Successful track record hours marketing, showing, pro- vestment returns might look like vest Arizona.
Karen Baggett Passive high yield returns
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Pasadena-Burbank About Invest Arizona
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Left: Premier Equity joins us from Alabama and Mis-
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MemphisInvest.com with publisher Linda Pliagas.
Above: LAPD cop turned real estate
mogul Mike Barker with REO Bailout.
Left: Kathy Fettke (holding magazine) with the Real
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Above: Sam Tunnel (right) with HSM Investment
Group, Inc. joined our event from Kansas City, MO.
Above photo (right): Sylvia Saldivar Valdez representing Black Belt Investors. Above photos (left): Karen and Stan Baggett with Emerge Investments,
Above photo (left): Anthony Patrick and Richard Edrosolin with WhiteRock Capital. LLC; (right) The HomeUnion Services team had a great vendor booth.
Your asset deserves a first-rat
Property Manager!
Leonardo Management provides commercial office,
Left to right: Team Gerchick showcased deals from Arizona; Tom Wilson, a California
and multi-family management services in AZ, CA, CO
investor/broker, favors Dallas for holding property; Matt Theriault from Epic Profes-
sionals and his assistant, gave away books; Ace Capital Group spoke on land banking;NV. Log on to www.leonardomgmt.com for a f
and
Cassandra Harris from the Royal Medals Group taught guests about investing in gold.
consultation and management fee quote.
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www.realty411guide.com | Vol. 4 • No. 1 • 2011 A Resource Guide for Investors
Vol. 1 • No. 4 • 2011
INSIDE:
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Rat Race with The Master of
Passive Income Motivation Speaks
Discover Why
Now is the
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Will Big Money Run Away, pg. 2 to leave home or step foot shares when the stock increases five dol-
in a corporate board room lars above your last purchase point. At
Each one of these companies also pays to collect your share of the the Wealthy Investor program, I teach
dividends to shareholders. What’s a divi- company’s profits. this technique to self-directed investors
dend? A dividend is your piece of the who trade stocks from home. Building
company’s profits distributed on a quarter- Reinvesting Your Stock positions on long term dividend paying
ly basis. So, for example, Coke currently Dividends stock allows anyone with an open mind to
pays .41 per share every three months to change their life financially.
its shareholders. If you currently own one Many investors choose
hundred shares of KO, you would receive to reinvest their dividends Growth Stocks In Today’s World
a check in the amount of $41 in your mail back into the company’s
box every thirteen weeks. If you owned Now let’s take a look at two growth
stock. Dividend reinvesting
one thousand shares of KO, you would stocks. What’s a growth stock? In the
is a fast and popular way of
receive a check for $410 every quarter in Wealthy Investor program we refer to a
building wealthy over time.
your mail box. over $8,000 per year in passive dividend growth stock as any stock that is not a
Question: How fast could
Imagine for a moment you owned five income. This kind of passive income re- member of the Dow Jones Industrial Av-
you build wealth if instead of waiting
thousand shares of Coca Cola stock. That sults from being a shareholder in one of erage. That would include a stock like
for Coca Cola stock to rise, you strategi-
being the case, your quarterly dividend the largest multi-national corporations on Google. In the past ten years Google’s
cally “build a position?” Building a posi-
check would be $2,050 per quarter. That’s the planet. Best of all, you never have stock price has gone from $100 to over
tion means that you purchase additional
$600 per share. A $1,000 in-
vestment would be worth over
$6,000 today. Not bad.
Another growth stock that
has soared over the past ten
years is Amazon.com. Over
the past ten years, as on-line
shopping has become more
of a main stay, Amazon.com
(symbol AMZN ) has made
shareholders rich. The stock
price has gone from a low of
twenty dollars to a high of over
two hundred. $1,000 invested
ten years ago would be worth
$ 9,000 today. That means a
$10,000 investment ten years
ago would be worth $100,000
today.
Those who have a financial
education and understood the
power of investing in e-com-
merce have benefited greatly.
Here’s how: A $100,000 invest-
ment in Amazon.com ten years
ago would be worth $1,000,000
today. So what’s’ the moral of
the story?
Anyone can create wealth in
the stock market just by paying
attention to the products and
TAKING THE RISK OUT OF services they see around them
every day. I’d like to think
REMOTE INVESTING there’s sweet old lady in all of
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