Carleton Sheets - Man for the Times

Carleton Sheets

The Father of Real Estate Investing Infomercials

 

 

Born in 1939, Carleton Sheets had an unremarkable career until 1984 when he became involved in the Professional Education Institute (PEI) and wrote his now famous "No Money Down" real estate investing book. Having been a marketing pro earlier in his career, Carleton soon produced the first of many late-night infomercials to market his real estate investing home study course. 

Many thousands of wanna-be investors bought into the hype, and a handful succeeded, and those few successes were used in future infomercials as testimonials. And the rest is history.

Carleton spent the early part of his adult life in a variety of endeavors, from selling soda bottle caps to being a marketer for a Florida orange juice company, and then in 1970 he entered into real estate. His first deal was a commercial property and by most standards was a dud. But he did not give up - he learned from it. Eventually, he was successful. But true success came from marketing his home study course on late night television infomercials, where he sold over 300,000,000 copies.

Think about that - he sold as many copies over 30 years to equal the population of the United States. Yet, in spite of that, there are relatively few investors, and most of those investors did not learn from Carleton. In short, only a tiny fraction of his customers were able to work his program successfully. But his success in SELLING his course started a "gold rush" of sorts. Today, there are literally hundreds of people pimping their own materials - Armando Montelongo, Than Merrill, Ron Legrand...the list in nearly endless.

And they all have two things in common - all are marketed using the same basic sales stucture made famous in those old west "Medicine Shows", selling their own brand of elixer. And all are incredibly over-priced, up to $35,000 for the whole enchilada, including limited mentoring.

There is a viable alternative, however, for those interested in learning the craft from a professional investor with over 50 years experience. "The Simple Man's Guide to Real Estate" is a down-to earth course created in 1989 by investor and author Bill Vaughn and is marketed as a not-for-profit venture to keep it affordable to all. Updated constantly, it teaches all 22 methods of real estate investing, eight of which do not require your cash or credit, and includes detailed instructions. It also includes software that creates all the agreements necessary - just fill in some blanks. And here is where it really shines - it also includes unlimited mentoring by professional investors at no charge! As a not-for-profit, Bill has assembled professional investors who volunteer their services to teach others and are dedicated to the success of each student.

We owe a lot to Carleton Sheets, for creating an interest in real estate investing. But it is what we owe ourselves and our loved ones - that is what really counts. If you have ever thought about real estate investing, now is the best time to begin.

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Review of Ron Legrand - Real Estate Guru

 

Ron LeGrand- Entrepreneur, real estate guru, infomercial salesman

Ron Legrand has been around and in the real estate field for a long time. Unlike many of the self-professed "gurus", he has actually done considerable investing. Mr. LeGrand has been selling various real estate training courses on late-night TV over the years. His current offering is something he calls his "Gold Club".

A large part of his most popular strategy revolves around wholesaling, just one (minor) strategy for making money in real estate, but Ron does teach other methods as well.

Ron also promotes his seminars, some of which run up to about $9,000.

Ron is a good investor, but NO real estate investing course is worth that.

Ron LeGrand is right about one thing - you can get rich in real estate. But it requires the kind of dedicated help that Ron's materials and coaching simply do not provide at a reasonable cost. Real estate investing is not all that difficult once you learn how, so thousands of dollars to learn is a stiff price to pay.

There are better and much less expensive options available to those who are just starting out. Bill Vaughn, renowned investor for over 50 years developed a top-rated real estate investing course, "The Simple Man's Guide to Real Estate" in 1989 and has personally taught over 46,000 people. Bill developed many of the strategies now being taught and used all over the country. He created the original "reverse mortgage" which was later adopted by the Department of Housing and Urban Development (HUD).

Bill founded a Christian non-profit, IntelliBiz, in 1993 dedicated to the absolute success of each and every one of the people who comes to us seeking to learn real estate investing. We succeed only when our students do. Most of our students (over 316,000 strong) came to us by referral from successful students. Success is what sells our course, not sales gimmicks like seminars, infomercials or boot camps.

If you would like to know more about our affordable, effective course and how we can help you achieve financial security (and pick up a lot of free real estate info),

Visit Our Homepage

All 24 LEGITIMATE Methods of Real Estate Investing

 

 

You would probably never know it by going to a Than Merrill or Armando Montelongo seminar, but there are actually 22 basic, legitimate methods for investing in real estate, and not just the two or three that most "infomercial gurus" teach.

In fact, there are eight methods that do not require any cash out of pocket, or even good credit. For example, have you heard of a powerful "no cash" method called "Equity Participation" (EP), aka Equity Sharing? Probably not, because most of the gurus have never heard of it, either. Yet it is a great way to buy a property and making a substantial down payment without using any cash. Sounds too good to be true, I know, but EP is actually sanctioned by the IRS.

That is just one of the 22 methods taught in "The Simple Man's Guide to Real Estate".

Here is a list and brief description of all 22 methods of real estate investing . If you have any interest in real estate it is worth checking out

 

The 22 Methods of Real Estate Investing

This list is by no means complete, since any two or more of these methods can be combined to create other methods. A good course will teach, in detail, all 24, and will also show you how to combine them to create hundreds more. "The Simple Man's Guide to Real Estate" is the only course that does so and as a non-profit it is the only one to provide free, unlimited mentoring by professional investors which makes it all so simple, and all for under $100 complete. Every one of these strategies is simple, simple, simple! So simple, in fact, that most 6th graders can do them. You can start by choosing just one or two methods suited to your situation, then add others as your experience (and bank account) grows.

•  The BRRRR Method - Buy, Rehab, Rent, Refinance, Repeat - Powerful method to build a large portfolio of income properties from one small seed investment
  

  Wholesaling (Assigning) - fast, easy, no closing or financing required. Great way to get started without cash or credit

• Apartments - multi-family units, if purchased properly, can create passive income for life. Flipping them can also be very profitable, if done correctly

• Lease Option - no cash/credit required. Can be used to buy, or to sublet at a profit, or both

• Master Lease Option - a lease option on an entire apartment complex, providing potentially huge monthly income and a no cash/credit method of buying

• Foreclosures - lenders are often forced to unload these at deep discounts, but there are rules to follow

• Preforeclosures - many "gurus" confuse foreclosures and preforclosures. Learn how to profit from the differences, and how to find them before anyone else, and before they can get on any list

• Rehabbing - generally the most profitable real estate investment, but such huge profit comes with risks. Learn how to evaluate rehabs and mitigate the risks

• Contract For Deed (Land Contract) - no cash or credit required. Some sellers prefer monthly income to cash-out and will self-finance, for several reasons. Here's how to take advantage of it

• Short Sales - more prevalent in hard times, but can be done even in good times. If you and the seller can offer the lender good cause for forgiving part of the mortgage, you can get a huge discount. Find out how

• Double Escrow - No cash or credit required, legal in all 50 states. But there are new caveats to be aware of, and methods to overcome them

• Probate - everybody dies. When a homeowner passes, the heirs are often in a hurry to dispose of the property. How to locate these opportunities and profit from them in ways other gurus keep missing

• Lease & Sublet - No cash or credit required. Learn how to lease at below market rents, then sublet for more; or upgrade the property (with owner's permission) to increase the rent you charge

• Tax Lien Certificates - Unpaid property taxes result in tax liens on the properties, and a great investment opportunity for those who know the ins and outs, and what properties to avoid

• Tax Deed Sales - a lot of the same rules as tax liens except you actually get ownership of the property at the tax deed sale. Know how to buy in, and which properties to avoid

• Equity Sharing (equity participation) - No cash required - you use a portion of the seller's equity as down payment, he gets the balance from your mortgage (which he co-signs for, as partner) and both of you share in the equity from future appreciation. Seller gets his equity back with his share of appreciation typically in 3-5 years when the property is resold or you refi in your name only and pay him off. If you rent the property out, he shares in that, as well. A special agreement is required

• Reverse Mortgage - you, too, can offer elders a reverse mortgage that can help them live their golden years in greater comfort while building your own net worth

• Sale & Leasehold - you can sell a property to an investor, and include a long-term lease to yourself at a favorable rate. Then sublet, and raise rents with increased appreciation. Long-term income even after selling the property

• Buy & Rent - no explanation needed - you buy a property, then rent it out. But you must buy right, or you can end up with an alligator it will eat you alive

• Triple Net Lease - much like a Master Lease Option, but there are crucial differences

• Sweat Option - a great way to start. An option to buy a property that needs work, and seller permits you to get the work done in exchange for the down payment. You get in without a lot of cash or credit, and end up with a property worth more than you paid

• Rolling Option - large parcels can be sub-divided. A rolling option allows you to option parcel #1, and when you resell it you roll that option onto parcel #2 and so on. You get in for much less, and it eliminates the risk of ending up with unsold parcels.

• Option - requires very little cash. An option gives you the right but not the obligation to buy. It also gives you the right to put the property up for re-sale at a higher price, then flip it to your buyer

• Note Trading - not officially a real estate method, but can be used as such, so we include it here as method #24. Any note or mortgage held by a private party or non-bank corporation can be bought and sold. Often available at as much as 50% below value. How to find them, how to buy them, trade them for real estate, and learn which ones to avoid

  You may notice this list does not include "Subject to", or Sub2. The reason is simply because it is not legitimate, is illegal in some states and immoral in all. It strips the seller of rights while still leaving him responsible. And it can trigger a "due on sale" clause.
  

This wide variety also indicates why you need a good, quality mentor. Only one course -  "The Simple Man's Guide to Real Estate" - provides mentors who are practicing real estate investors working in the field, and they are always at your disposal

 

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Review of Armando Montelongo Real Estate Program

 

Armando Montelongo

Review of his Seminars, Bus Tours - Is It A Scam?

Armando Montelongo is one of the "big names" in real estate gurus today, thanks to being the (former) star of A&E's hit show, "Flip This House". But his success as a reality show star does not mean he can teach you how to succeed in real estate investing - he had the deep pockets of A&E to fund his projects, and a team of professionals at his disposal. The Armando Montelongo course seems to focus on just one or two methods - primarily fix & flip foreclosures. That's only one of the 22 methods of real estate investing listed here courtesy of "The Simple Man's Guide to Real Estate. As markets change, investors need more than just one strategy.

Montelongo starts with a "free" Seminar. The word free is what gets the sales ball rolling. In this "free" seminar, he feeds you just enough information to get you fired up, but intentionally not enough to be able to go out and make money. Instead, the bulk of the seminar is spent on convincing you to take the next step - usually Armando's 3-Day Seminar for "just $1497" which leads to a $30,000+ "bus tour". In short, the free seminar is a high-pressure sales pitch. As the Forbes magazine article on Mr. Montelongo points out, seminars are not designed to teach, the are designed to sell! And Armando Montelongo and his team of professional medicine show pitchmen are expert at selling. If he were as good at teaching as he is at selling, he just might have a worthwhile gig going.

Here's the point: No real estate program is worth $30,000. NONE! (see below for a very low cost alternative that works)

The Texas Attorney General got on Armando Montelongo's case for his high-pressure and alleged misleading pitch. Without admitting guilt, Montelongo cut a deal and agreed to certain stipulations. And the Better Business Bureau issued a warning on their site and online concerning his, and similar seminars.

Armando Montelongo Seminars had an "F" rating with the Better Business Bureau, but he has managed to boost that to an A+ - commendable that he put in the effort to respond to complaints posted with the BBB but a BBB rating is determined mostly by simply responding to complaints, and not necessarily by resolving them to the customers' satisfaction.

FYI - over 400 of his students had sued him for deceptive practices, though the court dismissed the case in 2018 claiming the plaintiffs did not provide "sufficient" facts. It is still worth noting, however, that 422 of his students believed so strongly that they had been deceived that they spent over 2 years fighting him in court.

Aside from that, most of the complaints both online and at the BBB revolve around not honoring their refund policy (he only allows 3 days) and/or not providing the services paid for or expected. As we all know, a some complaints can be attributed to "sour grapes". However, when the number of unsatisfied customers is substantial as is the case with Armando Montelongo Seminars, then you know there is a real problem.

A Low Cost, More Effective Choice

If you want to learn all 22 different methods of investing decribed here, and you think you would like access to a free coach who has at least 20 years field experience in real estate investing, and if you want to save a ton of money, then check out the course that beats them all, combined. With an "A" rating at the Better Business Bureau, and offered by a non-profit to keep it affordable, "The Simple Man's Guide to Real Estate" is the most comprehensive and effective of all the courses available today. It doesn't cost anything to look...

Review of Than Merrill Fortunebuilders

 

Than Merrill, one of the previous stars of A&E's hit show "Flip This House" and former football pro is one of the top additions to the growing list of real estate investing gurus with his Fortune Builders course. From flipping footballs to flipping houses - neat! But can he really teach a person to become a successful real estate investor, or is it just a scam. Read on, then decide for yourself (though we will add our opinion).

scam Slang n. "A deception practiced in order to secure unfair or unlawful gain. Any act, expression, omission, or concealment that deceives another to his or her disadvantage"

That is an accurate definition of a scam. The question is: does it apply to Than Merrill or FortuneBuilders? Than's program is among the most expensive. Here are a few facts, and how he stacks up against the least expensive that is both effective and low cost so you can compare "apples to apples". Take a close look...

THE SHORT TAKE

Frankly, this review is not really about Than Merrill - we believe he is an honest, upright man who has "franchised out" his FortuneBuilders real estate course. When we mention Than Merrill, we are actually referencing FortuneBuilders. And it is the crews that run what some call the Fortune Builders scam - that's where we have serious issues. This FortuneBuilders review will hopefully allow you to determine for yourself if it truly is a scam, or just unhappy customers complaining.

Than Merrill's FortuneBuilders gets your attention by offering a "free" seminar. If you make the mistake of believing you can become an expert by attending one of Mr. Merrill's weekend seminars, or even his second step (boot camp) costing up to $1500 you will be disappointed. To get a comprehensive education in real estate investment from Than Merrill, his FortuneBuilders Mastery program is what you will need to sign up for. But that will cost you - big time! Upwards of $35,000. Compare that to the lowest cost program, "The Simple Man's Guide to Real Estate" which includes unlimited mentoring by actual investors at a total cost of under $100 and teaches all 22 legitimate methods of real estate investing, providing virtually unlimited opportunities for profit. (FYI: the cost is so low because they operate as a not-for profit and the mentors are professional investors who volunteer their services).

Of the 22 tried and true legitimate methods of real estate investing, Than Merrill and his FortuneBuilders primarily teach only a couple - rehabbing and flipping foreclosures, which has very limited applications, and also requires availability of cash and good credit - two things that most people looking for financial security do not have. Having only one or two methods of investing is not a good plan - markets and economies change. A method that works well in one market type may be a complete bust when the market changes. Compare that to "The Simple Man's Guide to Real Estate", which teaches all 22 methods, in clear detail, 8 of which do not require cash or credit from the student/investor. No matter what the current economic conditions, there are strategies that will make you money. A successful investor starts with a well stocked toolbox which simply is not what FortuneBuilders provides.

Like most "gurus" Than Merrill uses high-pressure sales gimmicks like infomercials and seminars and pay-per-click Google Ads to hawk his program. The fact that Than has to keep doing infomercials would indicate that his program is not effective enough to create substantial word-of-mouth recommendations and the bulk of his students are not successful enough to result in enough referrals. The comparison program, in this case "The Simple Man's Guide to Real Estate" does not use, or need, such gimmicks. Most of their students come from word-of-mouth referrals by current students.

If you wish to check out the other features of "The Simple Man's Guide to Real Estate" so you can compare oranges to oranges you may do so here.

As a side note, Than's FortuneBuilders ran afoul of the Better business Bureau until he agreed to clean up the misleading hype to reflect something more in tune with reality.

COACHING

Like most real estate gurus, Than Merrill and his FortuneBuilders offer coaching if you join the FortuneBuilders Mastery program at upwards of $35,000. The exorbitant cost of his program can be directly attributed to the cost of the mentors, the costs associated with running infomercials and radio ads, and hosting the "free" seminars. In comparison, "The Simple Man's Guide to Real Estate" has none of those costs - their qualified mentors are volunteers, and they don't run infomercials, advertise on radio or host seminars designed to upsell - they start right out with the training, not with salesmen trying to upsell you to the next level. And because their mentors - professional investors - are volunteers, the mentoring is free, keeping the entire cost to under $100. (find out why their mentoring is free)

As of this writing, the real issue - and it's a big issue - we have with Than Merrill and FortuneBuilders is the "medicine show" seminar structure designed to upsell the audience to much more expensive add-ons, and the exhorbitant cost that is so typical of most gurus. As so aptly stated by FORBES magazine, seminars are for selling, not teaching. Than Merrill and his Fortune Builders entices folks with a "free" seminar, and then will slap them for $1500 for the "follow up" seminar, and upwards of $35,000 or more for the full program. No training in real estate investing is worthy of the prices most of these gurus charge - thousands, and tens of thousands of dollars. Real estate investing is not rocket science - average folks have been doing it successfully for centuries. It does not require a college level education, so it should not cost as if it were. When gurus such as Than Merrill or Armando Montelongo charge anywhere from $5000-$60,000, they are billing their students for the humongous costs incurred for traveling the country, promoting and hosting expensive seminars, and paying for their infomercials and pay-per-click ads. Frankly, if a person has upwards of $35,000 to invest, they likely do not need Than Merrill!

COMMENTS

Most people would expect Than Merrill, himself, to be present at his seminars, considering how much they are paying him. And most people would be wrong. People who have attended his seminars report to the BBB that Mr. Merrill does not even show up at them, instead having high-pressure sales persons handle the seminars, since they are sales pros adept at separating people from their money. Here's the "why" - Than Merrill created FortuneBuilders to be a franchise. Expert salesmen run the seminars and programs. The odds of seeing Than Merrill at one of his seminars is as slim as meeting Colonel Sanders at your local KFC (assuming he were still alive). Frankly, we suspect you would make more money buying into his FortuneBuilders franchise and selling his program than you would make from using it

OK, so the question we started with - whether or not Than Merrill aka FortuneBuilders is a scam...

You can decide that for yourself, but the way we see it, it is not a true scam and does not really fit the definition, but the effect is nearly the same. But our issue is that it is far too expensive for what you get, and for the slim odds that Than can make you wealthy.

A Low Cost, More Effective Choice

If you want to learn all 22 methods of real estate investing , and you think you would like access to a free coach who has at least 20 years field experience in real estate investing, personal one-on-one calls with the author, and if you want to save a ton of money over what Than Merrill would charge, then check out the course that beats them all, combined. With an "A" rating at the Better Business Bureau, and offered by a non-profit to keep it affordable (under $100), "The Simple Man's Guide to Real Estate" by Bill Vaughn is the most comprehensive and effective of all the courses available today.

It's lot like fixing your car - when it starts to act up, and your mechanic says it could be a $5.00 part, or maybe a $5000 new engine, which would you have him try first?

It doesn't cost anything to look...

 

FORBES: "The Fall Real Estate Market Is Abnormally Hot"

 

There is no question - the events of 2020 have disrupted everyone's life. Yet, despite all of the bad things that have been - and still are - happening, there is a very bright spot that too many people are missing - REAL ESTATE.

 Now you might ask, "So what? I don't have time to think about that. And I don't have the money. I have bigger things to be concerned with." But what if I were to tell you that those are precisely the reasons you should consider at least looking into it?

As FORBES points out, real estate markets all over the country are hot. The lowest mortgage rates possible are helping to fuel it, but that is not the only reason. The corona virus crisis and the ensuing lockdowns created a massive migration as people flee metropolitan areas for "safer" places. This has resulted in a deficit of homes available in both suburban and more rural areas while also creating an influx of available properties in the metro areas as people flee. And people in those metro areas fully understand that their taxes will rise substantially to make up for all the losses from businesses that have been closed. Closed businesses do not fill the coffers of the cities & states. In such a scenario the opportunities for profit abound. And not just for investors, either. Those low mortgage rates make home ownership a lot less expensive than it was. 

As for not having the time? It does not take much time at all - most professional full-time real estate investors, for example, rarely put in more than 6-10 hours a week, and many put in far less time. As for not having the cash available - did you know there are (22) methods of buying real estate and at least (8) do not require cash? It's true - you can buy a home, or invest in flips and even in rentals without the need of cash, so lack of funds need not keep you from taking advantage of this once-in-a-lifetime opportunity.

As for having bigger things to worry about - what is a bigger concern than your future? 

If you have ever considered buying a home, or learning how to make huge profits investing in real estate, you will never, ever find a better time than right now. And if you need someone to show you the way, teach you the ropes and help you through the process, there is no better help than "The Simple Man's Guide to Real Estate". A complete, thorough training program, it includes everything needed - training, software that  creates the contracts and even free mentoring by actual investors, all for under $100 complete (they operate as a not-for-profit). 

 It is certainly worth a look. 

 

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Real Estate Investing in 2020/21 - The "CRISIS EFFECT"

 

Due to the crisis now upon us, as described below, unlike any other time in recent history, people who know a few simple strategies can make huge fortunes in real estate even if you have no cash or credit available and know nothing about real estate. Real estate investing is one of the best ways of putting money to work for maximum profits with little or no risk and is easy to learn (see "The Simple Man's Guide to Real Estate"). There is a reason why it always features prominently in the portfolios of billionaires and other sophisticated investors - it offers relative stability and attractive returns.

That said, 2020-21 is unlike any other years in recent history, unique in the circumstances surrounding real estate. The pandemic has changed much in both traditional investments and even business, and real estate is no exception. So, exactly how has the real estate landscape changed, and what is the best strategy for profits? That depends on whether you are buying a home for your family, rental properties, rehabs or real estate to flip for quick profits. Here are two situations that the COVID-19 crisis has created, followed by one of  the most effective strategy for taking advantage (there are 21 other methods, depending on your goal):

MASS MIGRATION:

If you get your news from outlets other than mainstream media like MSNBC, HuffPo, CNN and Washington Post, you are probably keenly aware of the civil unrest - riots, looting, burning and yes, even murders in major cities. And while that may quell for a time after the election, that quiet will only be temporary regardless of who wins. By next spring/summer you can expect the disquiet to escalate. Couple that with draconian lock-downs in many areas and the result is mass migration out of those troubled areas. And that has its own result - demand for real estate in suburban and rural areas is skyrocketing - and with it, prices. This creates mega-opportunity for both investors and those in suburban areas looking to cash in and move up to something better - even newbies and people without available cash or credit, as I will point out in a moment.

OFFICE SPACE:

The pandemic has created a second set of circumstances that will have a tremendous effect on real estate. Because of virus contagion, many businesses have shifted all or much of their business online, to work-at-home models utilizing software like Zoom to hold virtual meetings and conferences, and using Doc-U-Sign for signing important documents virtually. Many businesses have indicated that even after the crisis passes they may very well continue that arrangement – both for convenience and cost issues.

As so many will be working remotely, the focus for those workers will be on securing suitable residential property with home office space, rather than commercial office space, again creating high demand and higher prices. On the flip side, as some businesses reduce their workforce of those who work in the office, the select few who remain, usually top staff, may move to more prestigious (and smaller) locations, so prices of the "most prime" office space are likely to rise due to increased demand.

And for all those less desirable office buildings? The prices will likely provide bargains to investors who think outside the box, and dream up ideas on how to re-purpose them for other uses, like incubators for emerging businesses. If you already hold some of those properties you may want to consider unloading them before values drop.

Based on these changes in the preferences of buyers and investors on different types of properties and the locations, there is likely to be a shake-up in the valuation of many property types - some will increase, others will decrease. Just something to keep in mind if you currently hold some property or if you intend to make purchases soon.

THE BEST STRATEGY IN THESE CASES:

Whereas these circumstances will cause rapid changes and may not last long, you want to choose a strategy that:

• can be executed quickly
• can be executed with little or no cash or credit, so you can pursue several, simultaneously
• is so simple a child could do it (with the right know-how)

And that strategy is ASSIGNING, more commonly referred to as "wholesaling". Assignments can often be completed in just a couple of weeks, and sometimes faster than that, since there is no need to qualify for a mortgage or hold a closing. Assigning is as simple as getting a property under contract, then selling that contract to an end buyer and collect an assignment fee. I have seen assignment fees ranging from a few thousand dollars up to over $30,000. In this climate a property valued today at, say, $200,000 could easily increase in value by as much as $20-30,000 quickly, with buyers coming out of the woodwork to buy up those contracts due to limited supply and nearly unlimited demand. This is exactly what occurs in "bidding wars" as several buyers compete for each property.

Even better - you do not have to get a property under contract with a purchase agreement. The exact same method can be used with a simple option. The advantages of an option are a) you need not be concerned about being locked in to buy the property if you cannot assign the contract, b) you don't need to put up much cash - all that is legally required is one dollar, and c) there is no need to undergo a credit check. This simplifies everything.

Of course, even though assigning is extremely simple, it's all in the know-how - the details - and the specific contracts that allow assigning while not locking you in (just in case you cannot find a buyer) while assuring you are always acting within state and federal law. There is a right way, and many wrong ways. The right way is found among the 24 real estate investing methods detailed in "The Simple Man's Guide to Real Estate", all laid out, step-by-step, and includes software to create necessary contracts and, perhaps most important, free, unlimited mentoring by professional investors. It is the only course that  provides that essential ingredient.

The above scenarios are best for making profits quickly, without the need for cash or credit. For others, such as home buyers, rehabbers or investors looking for passive income, "The Simple Man's Guide to Real Estate" covers, in detail, all 24 methods of real estate investing.

Make no mistake - if you have ever considered getting into real estate, or if you simply want to expand your options, the time to act is NOW! This opportunity will not last forever.

Check it out - you have nothing to lose, and everything to gain.

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The Clever Investor - Cody Sperber: A Comparison

 

Real estate investments have long been one of the most attractive ways of putting money to work for the greatest profit. There is a reason why it always features prominently in the portfolios of billionaires and other sophisticated investors. It offers relative stability and attractive returns.

For those who seek to benefit from such investing it is necessary to learn from those who have done it. Hence, the proliferation of "gurus" such as Than Merrill, Armando Montelongo, Ron Legrand & Carleton Sheets et al. The purpose of this post is to compare two such programs - The Clever Investor, by Cody Sperber, and "The Simple Man's Guide to Real Estate" by Bill Vaughn. These two have been chosen specifically in regard to the best strategy for the current housing situation that has been created by the 2020 pandemic. The pandemic, along with the lockdowns and civil unrest has created a unique set of circumstances where millions of people are migrating to escape such things, creating a very "hot" market. It is the kind of market that makes "wholesaling" (assigning) not only easy, but also extremely profitable. A strategy that requires neither cash nor credit. Anyone can do it.

Both programs have "A" ratings with the Better Business Bureau.

The Clever Investor program starts at $297 for the basics. From there, a representative will contact you and make every attempt to convince you to upgrade to other facets of the program, such a mentoring. Upgrades can run from $5,000 to $39,000, depending on the upgrade. [side note: you must "sign up" from their website for more information - their site does not tell you the costs, or much of what they offer. This is so they can contact you t sell you on their materials.]

"The Simple Man's Guide to Real Estate" is operated as a not-for-profit, to keep it affordable to all. Developed by investor/author Bill Vaughn, with over 50 years experience investing in real estate, the program includes everything necessary for success:

• Teaches all 22 legitimate methods of investing in real estate, in detail
  
• Intuitive agreement software for creating all your contracts with ease
• 24 real estate related bonus ebooks
• Free, unlimited mentoring by professional investors
• Free audio set of CD's - learn while you drive
• Free thumb drive that features the entire course - take it with you anywhere
• Phone consultations with the author, Bill Vaughn available
  

The total, one-time cost of "The Simple Man's Guide to Real Estate" is under $100, complete. Complete information plus some great free gifts are available here. It costs nothing to look...

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Real Estate 101 - Finding an Affordable Mentor

 

If there is one thing that can sabotage a career in real estate investing from the start, it is fear of failure coupled with analysis paralysis. The simple fact that real estate concerns such large amounts of money is enough to intimidate many would-be investors. But there is a simple cure that removes most, if not all the roadblocks to learning this craft and pave the way to a very profitable vocation.

A qualified real estate mentor or coach can help you in every aspect of buying, selling, and flipping. Whether it is how to locate a target property, how to negotiate a deal, putting together good offers and even how to finance and close a transaction - even if you have no cash or credit - an experienced mentor can get you through from start to finish. For most "newbies", a good mentor can make the difference between success and failure.

This raises a few questions, such as where or how to find a mentor and what you can expect to pay for their expertise, as well as what you need to look out for.

FINDING A MENTOR:

Your first thought might be to team up with an experienced mentor that is local to you. In most instances, that is a poor choice for the simple reason that most investors will not properly or completely train their future competitor. That would be like cutting their own throat. And in cases where a local mentor is enlisted, the mentor is more interested in USING the newbie to further his own goals.

You might ask how can a mentor who is not from your area help you. First, understand that the methods of investing do not change from one geographic area to another. A qualified mentor can easily "hold the hand" of a newbie 3,000 miles away, especially now that we have the internet and better, instant access to communication.

Let's assume you have located a mentor - the next step is to determine his or her qualifications. Can the mentor provide evidence of properties bought and/or sold in the last few years? How many other newbies has the mentor trained? How many of the 22 methods is the mentor experienced in? Upon discovery of their qualifications, you must then consider...

COST:

If you have ever considered investing in real estate you have probably checked out some of the courses offered by one or more "infomercial gurus" like Armando Montelongo, Ron LeGrand or Than Merrill's FortuneBuilders. After checking out the cost involved, you likely gave up on the idea of becoming a real estate investor, since most of those gurus charge anywhere from $5,000 to $35,000 or more. But do not be so hasty in abandoning your dreams...

What if I were to tell you that it is possible to enlist the services of a professional investor with at least 25 years experience in the field, and that you can have nearly unlimited access to that mentor at a one-time cost of less than $100 (they operate on a not-for-profit basis)? And what if I told you that the cost includes everything else you would need - a complete course detailing all 22 methods of real estate investing, produced by a professional investor with over 50 years of experience; software that creates all the contracts as needed and much, much more? Would you be interested?

 

You can check it out for yourself, risk free and without obligation at https://www.intellibiz.com. And with the mass migration going on these days with people fleeing the cities suffering civil unrest, there has never been a better time to get started.

Do yourself a favor and give it a look - they have provided their course and mentoring to over 316,000 students over the last 30+ years. They have a track record you can trust, at a price anyone can afford.

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Huge Real Estate Profits in the Age of Covid-19 & Civil Unrest

 

There is a tremendous amount of uncertainty these days, particularly in respect to COVID-19. But there is one thing we can be certain of - because of COVID -19 and the current state of civil unrest, the opportunity to make huge profits in real estate, quickly and easily, is very real.

Understand this simple concept: real estate investing is most profitable in a period of mass migration as we are now experiencing. Whether you live in a metro area experiencing violence & unrest and need to get out, or you live in the suburbs or rural area, or you are simply looking to get a great deal on a new home, there is now great potential to "feather your nest" even if you do not have cash or credit to work with. As people flee the cities en masse to escape civil unrest and draconian lockdown measures, they need housing elsewhere, and the "elsewhere" is suburbs and rural areas. And thanks to "supply & demand", the price of housing in those areas is skyrocketing. If you know the tricks of the trade (see below), you can take advantage of the profits from that migration.

Even in urban metro areas there is great potential. As cities empty, the uber expensive property in those areas drop in value precipitously. An investor who knows how to take advantage is in a position to pick up massive bargains, as prime properties once worth a fortune become bargains. Why would you want to control (not necessarily own) such properties? Because they will very quickly regain their value once things settle down. By learning how to take over control of a property from desperate sellers, you will be able to cash in when things turn around.

If you think you need deep pockets and great credit, think again. Neither is necessary. Of the 22 different, legitimate methods taught in "The Simple Man's Guide to Real Estate", 8 of those methods do not require you to put up cash or credit.

But here's the catch - this real estate surge will only last a little while, perhaps 18-24 months. If you do not act now, you will miss it.

Do yourself and your loved ones a favor and at least check it out. It costs nothing to look!

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Your Greatest Life Begins Here...

 

 

You may think this post is about making money from real estate investing, but that is just the chosen topic used to show how to succeed in ANYTHING you pursue, whether a career like real estate, relationships, or any other aspect of your "greatest life".  Whatever your endeavor, I will show you how to achieve it and it won't cost you a cent. We begin by understanding the progression - how to get from point A to point B. We will choose investing as an example of something you might pursue, but it can literally be anything.

Real estate investing does not begin with a seminar, boot camp, or even a real estate course. It begins before that. It begins with proper preparation of self; building on negotiation skills, because every transaction is a negotiation, and making important connections, because successful investing - life itself -  is not a one-person sport - it requires bringing people together, and working with them. But even before that, it requires a "special" attitude.

I have been investing successfully in real estate for over a half century, and I created "The Simple Man's Guide to Real Estate" training course,  and I can tell you that success is not guaranteed simply by knowing the mechanics of methods and strategies. Yes, those are crucial, but they are also not worth much if the would-be investor is not properly prepared.

Like any other career, success is best achieved when the individual has DESIGNED his or her success with purpose. For example, before a doctor practices medicine, he or she must first learn Latin and take other courses that may seem irrelevant for using a scalpel, and then he/she must intern. While real estate investing is not brain surgery, it does require an understanding of personal "success traits" that must be honed. It's not at all difficult, but necessary to super-charge your success.

And that's where the free eBook, "Success - by Design" comes in. And it really is free - you don't have to sign in, sign up, or even provide your name or email. And while it is not the "be all or do all" tome for self-actualization, I guarantee if you read it, learn it and live it you will be more likely to succeed in every aspect of life - work, family, romance - and yes, real estate investing.

Downloaded over 4,200,000 times, I have never asked readers to pay anything for it. All I have ever asked is that, if you find any value in it, that you pass it along to everyone you care about - relatives, friends, associates, FaceBook or Twitter followers - because most people can receive benefit from it.

"Success - by Design" will be invaluable to you in creating your "Greatest Life." Download it here...

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Turning this Crisis into an Opportunity

The response to the current crisis involving a dangerous virus has caused serious damage to the  entire economic structure. In the process, many people will fall into economic trouble, and many will either lose their homes, or will need solutions for keeping their homes.

NOTE: People who solve other people's problems are the ones who will profit immensely. And there will be a LOT of homeowners with serious problems. Learn how to solve those problems and the world will be yours.

Whether you are one of the afflicted facing the loss of your home or are among those who will suffer little, a wise person will take this crisis period and use it to learn how to take advantage of all the opportunities that will grow out of the crisis. He/she will learn, plan and be ready. Even if you lose everything in this crisis you can rebuild quickly, and come back better than ever if you take this time to learn how. Everyone else can just hope that things get better. There is nothing wrong with hope, as long as it is coupled with the determination and effort to have their hope bear fruit. If you are one of those who will be content with living by the roll of the dice, I wish you well and there is little point in reading further. Good luck to you.

But if you are one of the few who are determined to grasp the opportunity and squeeze it to produce a far better life than you ever dreamed of for you and your family, please, read on.

The first step to a speedy recovery and creation of wealth is the application of the 10 secrets of success that all wealthy people follow. There are many books on the subject, but the absolute best one is "Success - by Design", and it is also absolutely free. The principles and detailed instruction in this ebook are essential to success in any endeavor. Read it, follow it. You won't regret it.

Once you have learned the steps on the ladder to success, you will need to have a "vehicle" for getting there - a career that is highly profitable, does not require a college degree, is easy to learn and do and does not require start-up capital. One such career choice is real estate investing

"The Simple Man's Guide to Real Estate" program is the most comprehensive study guide that teaches all 22 legitimate methods of profiting from investing in real estate. It does not just teach how to buy and sell - it also teaches you how to use the knowledge in the program to profit by helping others save their homes from foreclosure. It even shows how to help those who have already lost their home.

The education you will get from "The Simple Man's Guide to Real Estate" will show you how to profit from homes already foreclosed, to be sure. But even at that late stage you may still be able to help the homeowner. Remember - wealth is created by solving problems. And "The Simple Man's Guide to Real Estate" will show you how to do that, whether it is buying to flip, rehab, rent out for passive income or simply using your new found know-how to help a homeowner save his home.

Before you begin looking for reasons why YOU cannot do this, you should note that it does not necessarily require you to have any cash, or even good credit. Eight of the methods in the program do not require you to put up either. But it takes KNOW-HOW. And that is what "The Simple Man's Guide to Real Estate" provides.

More than that, every person who purchases the program will have UNLIMITED, FREE 24/7 access to a professional investor as a personal mentor. Yes, I said FREE. These investors working with "The Simple Man's Guide to Real Estate" are all volunteers - there is no charge for mentoring. And the entire program - the Guide, 25 bonus real estate related eBooks, contract software and free mentoring, is only $99.95 complete.

And there's more - each new client has the option to consult as needed via phone with the author, who has over 50 years experience as a successful investor. These are personal, one-on-one calls, not "conference calls" or scripted calls.

So there you have it - you can simply hope to be able to salvage what you can after this crisis ends, or you can be the person who grows wealth from it.

You should at the very least check out the program and the online docs that prove it works. And while there, go ahead and pick up all the free eBooks avalable from the author.

We all have choices to make. Here is your opportunity to make a choice that can make a real difference.

If you have questions, there is a contact form at the bottom of the IntelliBiz home page.

[DISCLOSURE: Intellibiz, which is the sole marketer of "The Simple Man's Guide to Real Estate" operates as a not-for-profit and does not make any money from the sale of its real estate program. All mentors are unpaid volunteers. This is how it can be offered at such a low cost]

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Why NOW is the Time to Learn Real Estate Investing

 

 

Throughout human history, times of trial and strife have always been the most fertile ground upon which to grow wealth - there are two sides to everything. The flip side of "crisis" is "opportunity". Ask anyone who owns a pawn shop - they thrive off the small personal crises of people by taking advantage of their need for immediate cash, then reselling those items at full value.


What is true for any small, personal crisis is even more true for life's greater upheavals. The current pandemic and civil unrest has all but destroyed the American economy. Many will lose much, if not all of what they have spent their lives trying to build. And while that is exceedingly sad, it also presents much opportunity for those who are prepared to take advantage of it. SOMEONE will - it may as well be you! And it won't take a big bank account or great credit, either. There are simple yet powerful methods most investors never learned because they are not taught by the likes of Than Merrill, Armando Montelongo, or Ron Legrand, and they do not require either cash or credit.

 

[Some may claim that people who take advantage of the misfortune of others is a "shark". But that is not necessarily the case. SOMEONE will take the opportunity if not you. While there are greedy people in every profession, there are also those who make every effort to be fair with everyone. I have personally trained thousands of new investors, and the first thing I attempt to drill into them is to always strive for a win-win situation. The investor who does so may earn less on each individual transaction, but the reputation he earns will result in more transactions and a very long career.]

 

And as of now, real estate is super hot as people flee the cities that suffer from draconian restrictions, riots, rampant crime and freedom-robbing mandates. While the reason behind this market are not good, it does not change the fact that a LOT of money is to be made in real estate before this crisis ends.


To begin to prepare yourself to be in the perfect position to benefit from this crisis, first realize that most great wealth has always been created from real estate - that is where the money is, and always has been. Much of America's wealth is tied up in real estate, and there will be a lot of it that will be changing hands due to the desperation of those who were ill-prepared to survive such a crisis as we now find ourselves in. So it stands to reason that by the end of this crisis, those who knew how to profit from real estate will be the ones who become very, very wealthy.

And before you say, "But I'm broke. I certainly am not in any position to take advantage of that," I will tell you with certainty that you are - or, at least can be. You can learn the "no cash, no credit" methods used by investors since the time of Moses, yet rarely used in more recent times because the rich do not need those methods, and the poor were never taught.


As the title of this piece suggests, this is the perfect time to prepare to make a lot of money from the coming resurgence by using this time to learn how. While it does not require cash or even credit, it does require know-how.


"The Simple Man's Guide to Real Estate" investing program was developed expressly to teach people without access to a lot of cash or credit to successfully invest in real estate. The program has been used by over 316,000 people in 19 countries over the past 34 years. Developed by the investor who was first to teach "flipping", long before any infomercial guru made late-night TV, and the man who in 1985 developed the method that HUD used as the basis for the "reverse mortgage" in 1987, the program includes everything needed to invest in real estate regardless of your current situation.


If you learn nothing else, understand this - wealth does not come from having money. It comes from having the knowledge that provides the money. If you doubt that, research the fate of ordinary folks who hit the lottery. In almost every case they were broke - usually even worse off - within 5 years. Why? Because although they had money, they did not have the knowledge necessary to replenish what they were spending or to make it grow.


Knowledge! Knowing HOW to create wealth, often out of thin air. That is what every wealthy person has that you likely do not.


There has never been a better time to gain that know-how. And such a time may not come again in your lifetime. The future belongs to those who prepare for it. Will that be you? Or will you leave it to others...


The very least you can do for yourself and your loved ones is to check it out - it costs nothing to look it over. And should you decide you want in on the bright future ahead, the entire program, which includes free mentoring, is available for under $150 complete, as it is offered on a not-for-profit basis and the investors who provide the free mentoring are all volunteers.


Today, this moment in time, you have a choice. There has never been a better time to choose to learn something that can change your life. What will YOU do with this moment?

[Bill Vaughn has been an investor in real estate for over 50 years and developed "The Simple Man's Guide to Real Estate" investing program. He has personally mentored hundreds of investors and authored several books on real estate and success, including "Success-by Design" which is a free eBook downloaded over 4 million times]



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Real Estate "Gurus" and Sub 2 - Putting Investors in Harms Way?

As many of you know, I have been investing in real estate for over a half century, and have personally trained over 116,000 students. Lately I have had a number of people come to me with questions on the "subject 2" method of "investing" in real estate. It seems a number of real estate "gurus" are teaching this method, and I am being asked why my course does not teach it.

I will begin with the short answer - Sub 2 is immoral and unethical, and could constitute fraud, as I will explain in a moment. My program will never, ever teach any method that is not legitimate, moral and ethical, and I really do not care if that stance loses me some potential students.

I have monitored people on sites like "Bigger Pockets" who discuss the pros and cons of Subject 2, and I have checked out well-known TV Infomercial gurus who do the same, and even teach it. And it really pains me that many are handing out information that literally puts would-be investors AND sellers at great risk. Some do it because they are ignorant of the risks, or do not care if their info gets other people in financial hot water, or, as in the case of the infomercial gurus, they teach it simply to make themselves more money at the expense of the uninitiated.

What Sub 2 is: Buying a property "subject to" means a buyer essentially takes over the seller’s remaining mortgage balance, without making it official with the lender. In a subject-to transaction, neither the seller nor the buyer tells the existing lender that the seller has sold the property and the buyer is now making the payments.

And here is the problem:  In almost every mortgage or trust deed, lenders insert what is known as a "due-on-sale" clause that give the lender the right to accelerate the loan - calling it due, in full, if any rights in the property are transferred..

Many of the people on those sites, and even the infomercial gurus try to convince others that it is okay to deceive the lender, and it is "very unlikely" that the lender will call the note due. And that, frankly, is BS. First, the due-on-sale clause almost always states that the full amount of the mortgage balance can be called due immediately upon any transfer of ANY right or rights in the property. It does not even have to be a sale.

And they try to tell you banks do not really care. Really? So exactly why would the banks include such a clause? For giggles? If you doubt even for a New York minute that lenders would not protect their interests by invoking the due-on-sale clause, just go to your local bank, ask to see the mortgage loan manager, and ask his/her opinion on that. Ask yourself - if you loan money to someone and they deceive you and you find out, what are the chances you would simply laugh it off?

And now as to fraud - if any seller conspires with a buyer or investor to transfer any right in the property and purposely deceives the lender by not telling the lender or getting the lenders permission, that is fraud. And if you doubt that, ask any criminal lawyer.

What are the risks:  subject-to homes do put buyers and sellers at risk. Since the property is still legally the seller's liability, it could be seized should they enter bankruptcy, or if the buyer fails to make the mortgage payments. Additionally, the lender could require full payoff if it notices the home has transferred hands, which, if not paid in full can result in foreclosure which can cost the BUYER the property, and anything he/she has invested. Bear in mind, the SELLER is still legally obligated for the mortgage payments. So, if the buyer does not make the payments, or walks away, the seller could lose his home.

There can also be complications with home insurance policies - insurers are reticent to insure any property that does not have a clear title.

To be sure, a lot of investors get away with Sub 2's and make a bundle. But the reasons I have stated  are the reasons "The Simple Man's Guide to Real Estate" does not teach Sub 2. There is substantial risk, both financial and legal, to both the buyer and seller. If an investor does not care what he does to make money, that is his choice. Our choice is to not teach people how to sell their souls for a little extra profit.

And we simply will not put our students at risk, or teach them how to put innocent sellers at risk. There are better and easier ways to grow wealth from real estate without resorting to taking unnecessary risks. "The Simple Man's Guide to Real Estate"includes 22 of them.

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(UN)common Sense for the Common Man - Free eBook for Success

There is a brand new ebook available that can greatly increase your chances for success  in every aspect f life - finance, love & marriage, business, family and other relationships. And the best part - it is ABSOLUTELY FREE. You do not even need to sign up, or even provide your email address. Just download it on the spot. But it will not remain free forever, so you may want to get your copy now.

"(UN)common Sense for the Common Man" - how to use Critical Thinking to solve life's problems.

And here's the kicker - not only is it free for the taking, you can (and are encouraged) to pass it around to everyone you know - they will thank you for it.

Life is often difficult, with little (and not so little)  "land mines" everywhere. This great little 55 page eBook will do a lot to soften the "School of Hard Knocks".

What have you to lose? Grab your free copy here.

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Economics for Dummies - Left vs Right

There is a growing misconception in America concerning economics. On one side you have people like Bernie Sanders and others on the left who believe the economy is a sum total thing that needs to support all people equally, and on the other side you have people like Donald Trump and others on the right who believe the economy is not sum total - that it can be expanded to "raise all boats". The simple, glaring fact that the American economy has expanded exponentially since the Declaration of Independence only proves that capitalism is the economic engine that works. During that same time period, countless socialist and communist economies - in fact, every one -  have failed miserably.


Think of the economy as if it were a pie, and everyone grabs a piece. Some people only get a small piece while others get larger pieces,  determined primarily upon ones education and personal effort. The left sees this as unfair to those with a small piece, so they want to take from those with bigger pieces and redistribute it among the less fortunate, in an effort to create "equality". The left equates equality with fairness, though one has nothing to do with the other. It simply is not "fair" to take from someone who spent years in higher education, worked hard for 25 years and risked everything he or she had, and give it to someone who did little or nothing to earn it, having spent their life doing none of that. It may make things more "equal", but it is anything but "fair".


The economic theory of the left also does not consider unintended consequences - when you take productive wealth that is typically used by the wealthy to create jobs, develop new products etc. and turn it into unproductive wealth that is not used to make society better and richer, you effectively REDUCE the amount of pie available by stifling an expansion of the amount of pie available. You simply cannot make more pie without adding more of the ingredients - investing in growth, production, jobs.


Capitalists like Trump understand that the best way to insure everyone has enough pie is to make the pie bigger, or to bake more pies. Certainly, the less fortunate will always have less than others, but they will still have MORE PIE! If you doubt that, just take a look at Americas poor compared to the poor in socialist "single pie" nations. Where once even our own poor were truly living in poverty, dying in sweat shops and starving, most of our poor today have cell phones, iPads, microwave ovens, internet access and widescreen TV. Americas poor are wealthier than many "middle class" families in other countries. They have been raised up through capitalism, where those who earn great wealth are permitted to reinvest it into baking more pies, rather than have their wealth confiscated and tossed onto barren ground.


In America, Republicans believe a person is entitled only to that which he or she earns as long as they are physically and/or mentally capable of supporting themselves. Those who are handicapped to a point where they are unable to do so should be provided for by those of us who are able. This excludes those who are capable, but unwilling. The unwilling should be allowed to wallow in the misery of their own making. "All men are created equal", but they must work and do their part to maintain their equality. As my dad used to tell us kids, "Yes, the world DOES owe you a living. But you have to work like Hell to collect!"


Democrats on the other hand believe not in fairness, but equality.  The mistake they make is in believing that the two are one in the same. They also mistakenly believe that "equal" means "same" - that to be equal, we must all have the same amount of everything. Again, the two are not synonymous - a pound of feathers is equal in weight to s pound of gold, but they certainly are not the same.


If a person fails to get educated, and fails to put in the effort required to succeed, they will assuredly have less than others, but what they have will be equal to the effort put into it. And THAT is fair.


Now, Democrats and Socialists will, perhaps rightfully claim that many people do not have the same access to education and opportunity as some others may have. That is true - but it does not change anything. Such persons must try harder than others. Abe Lincoln never went to school - he educated himself and became President. Henry Ford only had a 4th grade education but went on to build one of the biggest companies in America, and in doing so, transformed America. In an era where blacks had little access to opportunity, people like Sidney Poitier worked harder and created his own opportunity. Certainly, some of us face greater obstacles than other, but that just means you have to try harder, and it makes a person stronger, which is one ingredient for greatness. Adversity is a positive, not the negative that the left assumes with their "victim" mentality. It does not give you a right to take from others. Stealing is stealing, whether you do it yourself or let the government do it for you. [As a side note, it is the Democrats who always vote against school choice, which would help level the road to a good education for the less fortunate]


Here is the short take - fair does not mean equal, and equal does not mean same. A person can complain about the size of their piece of the pie, and attempt to steal from another, or that person can get to work and bake his own damned pie. He is the only one standing in his way. Like one of my earlier bosses said, "I don't want excuses and I don't want reasons. I want RESULTS!"


"When you spend as many years getting educated as I have; spend as many years busting your butt 100+ hours a week to build a business; and risk every cent you have, or ever will have to make it all work, then and only then will you be entitled to have what I have". - Bill Vaughn



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