Wednesday, July 26, 2017

Than Merrill & His Fortune Builders

As many of you already know, "The Simple Man's Guide to Real Estate" has been helping people get into real estate investing for over a quarter century, and for under $100, which includes lifetime coaching. And you also know that there are many real estate "gurus" - so many, in fact, that many folks are confused as to which one they should invest in.

Than Merrill and his Fortune Builders is one of the "top" names right now - not because his program is best (it's not) but because of his fame, and the vast amount of cash he spends to promote his business ("The Simple Man's Guide to Real Estate" spends nothing for promotion or advertising, yet brings in thousands of new clients each year by "word of mouth").

Consider: there are, and always have been only a couple of dozen actual methods of real estate investing. All others that "gurus" tout are nothing more than take-offs with minor effect, or combinations. And most gurus teach only one or two methods. "The Simple Man's Guide" teaches all 22 methods. And where Than Merrill and most others charge as much as $60,000, "The Simple Man's Guide" is only $90.

And none of the gurus - not Than Merrill, nor Armando Montelongo, Ron LeGrand or any other will provide coaching (mentoring) at no cost. "The Simple Man's Guide" provides unlimited coaching for free, as they utilize investors who volunteer their services.

Than Merrill and his Fortune Builders may be a decent program - but NO real estate investing program is worth the money those other gurus charge. Real estate investing isn't rocket science - average people have been doing it successfully for centuries.

You may have the opportunity too attend a "free" seminar by Than Merrill or some other guru. Go for it - only if to discover what the REAL cost is going to be, as those seminars are not for teaching - they are for selling.

And then, with your eyes open, just come and take a look at "The Simple Man's Guide to Real Estate." You have nothing to lose. It even includes a new, free Guide to Wholesaling.


Tuesday, July 18, 2017

Health Care - Simple, Affordable

First, low income persons are eligible for Medicaid, and as long as that remains in place, that takes care of those people. And the wealthy have no problem getting whatever coverage they desire, so let's not concern ourselves with them. That leaves the rest of us - the folks in the middle who are struggling, but not "poor" enough for Medicaid, nor rich enough to get the best care available at any time, and certainly unable to afford ObamaCare premiums and huge deductibles.

For the rest of us, the solution is simple: make only CATASTROPHIC care available to all, at a reasonable cost - such policies are relatively inexpensive, and people can choose their own deductible, just like car or house insurance. Simply choose a higher deductible to reduce premiums.

The rest of your health care can - and should - be paid by the individual. Preferably, we would be allowed to build tax-free health savings accounts to cover all those minor health costs, like exams, shots etc. Let's have a little personal responsibility, folks! And if the individual has to cover the minor costs of health care, they would have greater incentive to live a healthier lifestyle. There is no excuse for expecting insurance to cover costs for things like condoms, Viagra, or even your annual physical.

Think of it this way - your car insurance pays for major damages and medical for people involved in an accident, but it does not cover gas, oil, tires, registration etc. Same with your homeowner's policy. Health insurance should be the same - designed to cover the BIG things that are otherwise unaffordable.

And policies should be available nationwide, across state lines, to create competition that reduces costs.

Add tort reform and award caps to lower malpractice insurance and voila! Affordable health care made simple.

And those Senators that complain they want to represent the needs of THEIR people? No problem - ALL Americans would have these same options and choices, and each can craft the coverage they need.

To those in the House & Senate - BOTH parties - I suggest if you want to do what is best for the people, and insure your own re-election, stop with all the posturing for dumb reasons like being anti-Trump, or anti one party or the other and get the job done. And above all, understand this SIMPLE concept - health care should NOT be run by the government. I know you love the idea of being in control of such a valuable necessity, but STOP! It is not in the best interests of America.


Friday, April 14, 2017

Why is President Trump Flip-Flopping - or IS He?

Critics of the president are accusing him of flip-flopping on issues such as NATO and China. But is he really flip-flopping, or is he simply employing "The Art of the Deal"?

Trump is a great negotiator. As such, he is all too aware that it is nearly impossible to get a good deal from an opponent who believes he is in a position of strength. If you meet an opponent, and tell him up front that he's really great and a credit to his position, you will be strengthening a belief he already has, and from that point on he will feel superior to you. If you then demand something from him, he has little reason to bow to your demands, and you have lost.

A good negotiator will first try to weaken the oppoenent by berating, belittling or otherwise calling their strength into question. In doing so, you at least make it appear that you are the one coming from a position of strength. In nature, it is the bluff and bluster between two opponents that helps to win the battle. Have you never seen the hackles raise and the baring of teeth on a dog?

So, you first weaken the opponent's resolve by instilling doubt. Only then can you approach them with some praise. This creates something not unlike the Stockholm Syndrome, where a kidnap victim comes to identify with, and even protect their abductor. By helping to replenish their feeling of self-worth, they are more apt to show a little gratitude, and they may even be anxious to do things for you, to get your approval.

And if you doubt any of this, think back to you and your father - did you ever find yourself bending over backward in order to gain Dad's approval? Or that of a strict teacher?

President Trump is already getting NATO to update, and getting NATO countries to carry their weight. And he is getting China to help with North Korea - things that previous presidents were unable to accomplish.

Is Trump flip-flopping? Or is he just putting America on the winning side?


Friday, March 24, 2017

Wholesaling Real Estate Made Easy

A new (and free) ebook by investor Bill Vaughn is being offered by IntelliBiz. "The Simple Man's Guide to Wholesaling Made Easy" is the definitive guide to assigning real estate and pocketing big assignment fess, quickly and easily.

The method referred to by many infomercial gurus as "wholesaling" is actually and accurately called "assigning". To set the record straight, and in an effort to teach the correct (and 100% legal) way to assign, "The Simple Man's Guide to Wholesaling Made Easy", is being provided  FREE to all customers.

"The Simple Man's Guide to Wholesaling Made Easy" takes the investor step-by-step through the entire process, from what type property to look for and how to find them, all the way to finding buyers to assign to, cashing out and taking the assignment fee to the bank.

And, as always, "The Simple Man's Guide to Real Estate" course includes free mentoring, just in case you need any further assistance.

 Just one more way that Bill Vaughn has your back, "The Simple Man's Guide to Wholesaling Made Easy" provides the most complete guide available. And it is but one of the 22 methods the course covers in detail, and the entire course is still under $100, complete. It even includes free mentoring by professional investors.

And with real estate now on the up-tick, and set to explode, there has never been a better time. Prices are relatively moderate, rates are still low and the population increasing daily - and everyone needs a place to live. And it certainly does not hurt to have a White House that is friendly to real estate and promises some overdue deregulation.

Maybe it's time to check it out...


Wednesday, August 26, 2015

Hey, Republicans, the Latino Vote is Not Hard to Get

I am perplexed by Republican's inability to figure out how to get the Latino vote, since it is a no-brainer.

First, seal the border except at legal check-points. All polls show Latinos want to prevent further illegal immigration, mostly because it is THEIR jobs that illegals go after. So, step one to pleasing Latinos is to prevent illegals from getting in. This is non-negotiable, not only for Latinos, but for most Americans nationwide. This also solves the "anchor baby" problem - if they can't get in, they can't give birth here.

Then comes the part where we need to deal with the illegals that are already here. While Latinos are opposed to more illegals coming in, they are also opposed to deporting those who are already here, as many of those are family members or friends. So, if you want to win the Latino vote, we need a fair way of dealing with the illegal population. And that, to, is simple.

First, make it public that illegals already here, provided they have no criminal record may stay, be issued a work visa and have legal status simply by coming in and signing up. They may NOT become citizens unless they go through all the same steps as any other legal immigrant, and must learn English. Otherwise, they are legal and may work here, and pay taxes. These special visas will be renewable every 2 or 3 years - if they have not committed a crime, their visa is renewed. And any illegal who does not sign up would be considered a criminal - why else would they not sign up and get a "free pass"? So, upon being located or arrested for anything else, see below.

Criminal illegals would first be tried for illegally entering the U.S., which would be made a felony, and if it is their first offense, they would be placed on probation and deported. If they return, they would automatically be arrested for violation of probation and sent to prison to serve their term, not less than 5 years for the first offense, and 10 for the second.

Republicans need to understand this simple concept - Latino Americans are just like any other segment of our society. They want to keep family and friends close; they want to keep their jobs to feed their families; and they do not want criminals roaming the streets. How do I figure this? I did what most Republican politicians never do - I asked legal Latinos on the street how THEY would deal with the issue. I did not ask illegals, nor Latino pundits like Geraldo. I asked the folks on the street, the ones who will vote.

To win the Latino vote is as simple as sealing the border, deporting or jailing criminals, and providing the current population of illegals a means for remaining here legally, to work.



Friday, January 2, 2015

The Dirty Little Secret About Minimum Wage

It is understood that many people in this country do not earn what some may call a "living" wage. To combat this, some believe it is necessary to increase the minimum wage, which will "lift those people out of poverty". One proponent of this is Bill O'Reilly, who says "$10.00 an hour won't hurt anyone." He's wrong - it will hurt everyone! Bill should stick with subjects he knows and comprehends, because he obviously does not understand the intricacies of economics, nor has he taken the time to figure out the unintended consequences.

I am not just talking about the jobs that will be lost. I am talking about how it hurts every person in America without doing so much as a penny's worth of good for the poor.

Here's the dirty little secret that few understand, and fewer will talk about...

Consider, for the sake of an example, the Ramen soup company. (I chose this because many poor people rely heavily on the low cost of Ramen in order to feed their families.)

Assume they have line workers at minimum wage - say, $7.50/hour. They also have line supers at $10.00/hour who oversee the line workers, and those line supers work for line managers who earn $15/hour.

In come the "do-gooders" like O'Reilly, clamoring to raise the minimum wage to $10.00 - a 33.3% raise. So now you have line workers earning the same as their bosses, which just is not right - the bosses have greater responsibilities, so now they, too, need a 33.3% raise. And now THEIR bosses, the managers, need a 33.3% raise, because they need to be paid more than those who work for them.

The result: every employee of the Ramen company has to get a 33.3% raise. There is absolutely no change in the "income disparity". But more important, whereas wages and benefits make up roughly 75% of the costs of running the business, the cost of making and marketing Ramen must now be increased by roughly 25% in order to pay the higher costs. This is because the employer only has two choices for making up the added cost of wages - lay people off, or raise prices. He cannot go into the basement and print money ,like the government can.

So, now poor people are making 33.3% more on their one wage, but the cost of living has increased 25% on every item they buy - not just the Ramen soup. Everything goes up. And though they are now earning more, they are also required to spend even more than their raise will cover. Meanwhile, every person in America is now paying more for everything.

Raising the minimum wage does not add to the economy - it simply adds cost, which in turn harms the economy. In fact, it CANNOT add to the economy because employers cannot print money - they can only transfer it from one place to another.

The short take - you cannot simply raise the minimum wage of low income employees and not expect every other employee in the company to require a similar increase. It's not "just" an extra $2.50/hour for a few people. It's an extra $2.50/hour for EVERY employee in the company. So, pundits like O'Reilly who do not fully understand economics are very, very wrong when they say "It won't break anyone." If a business has 200 employees, raising the minimum wage to $10/hour will increase that company's costs by a whopping $500 for every hour they operate.

Here's a clue, Mr. O'reilly - in real life, there are few things that are as they appear on the surface. I never would have thought Bill O'Reilly to be a "surface" thinker.

Examples of other things that are the opposite of what they appear to be:

PAIN - while it certainly does not feel good, it is a good thing. It tells us when something is wrong, so we can get treatment. Without pain to tell us when to take action, Mankind would have been extinct long ago.

WAR - Man has no superior predator to keep our numbers in check. If not for war and disease, we would have overburdened this planets resources hundreds of years ago, depleting all food and water supplies, bringing about extinction.

ANTI-BACTERIAL SOAP - Most bacteria are good, and necessary for health. Anti-bacterial soap kills more good bacteria than bad. And if you have a septic system that requires bacteria to do its job, flushing anti-bacterial agents can destroy your septic system, costing thousands in repairs.

REGULATIONS - while some are necessary, most are not, and only serve special interests. Regulation is the opposite of freedom - with each new regulation, we, the people lose freedom, and the government gains power OVER the people, which is the opposite of the intent of the founding fathers.

It would certainly be helpful if more people would take the time to THINK about ALL the unintended consequences of things before they advocate for or against them.