CashFlowExperts.Biz

How to borrow $82,000 interest free.

From the desk of Thomas Kish, President of
www.TheUltimateCashFlowPlan.Biz

Interest rates don’t matter to real estate investors that know how to calculate opportunity costs and know how to get tax deductions by investing in real estate.

I have created a MONEY system for real estate investors that need more cash to invest. It’s my own Trademarked Investing system that shows you how to get $200,000 in new business lines of credit.

And the lender that I will introduce you to are offering 0% interest for the first 9 months. That is FR.EE money for any kind of investing you want to do.

Real estate has some of the best tax deductions of any asset class. That means you must remember that you will be savings thousands of dollars a year on your taxes when you are a real estate investor. This is part of the opportunity cost calculation most investor’s make when they see what the real cost of money is.

So the question you ask should not be “What is the interest rate on the money”. The question is what is the cost of the money and what will I make using that money each year in profits and tax savings.

Find out how you can use my money system to get $200,000 in cash and invest it in real estate @ www.cashflowexperts.biz/ultimate

The most common question my clients ask me is:

What are the interest rates I will be paying when I use a business line of credit?

I tell them that the interest rates on business lines of credit are all normal variable rates with some as low as 3.99%

And I tell them to think about it this way.

If you use my system to get $200,000 cash that you can put into your own personal bank account - will it be easy for you to go anywhere and borrow money?

Of course it will. We all know that lender only give you money when you look like you don’t need it.

When you have money in your account lenders fight each other to give you loans and mortgages at the LOWEST possible rates.

So you can use my trademarked investing system to build up your assets and go out and get any kind of cheap financing you want.

The true cost of the money you will be using when you get my system is the cost of NOT investing in a deal because you don’t have the money.

If you can make a $10,000 profit on a deal and get $5,000 in tax savings - then you would be losing $15,000 by not having the money to do that deal.

So if the cost to use the money from a business line of credit is $900 and the gross profit you make is $15,000 - then you just made a $14,100 net profit by using a business line of credit!

Check out my real estate investing system at,
www.cashflowexperts.biz/ultimate

How To Use A Simple Newsletter To Grow Your Business And Make Money Now!

Most people associate the word “marketing” with slick corporate advertising. TV and radio ads, direct mail, high gloss brochures and long sales letters – these are all costly strategies created purely to sell you something.

But today, you’re going to lean about something different – very different. It’s a little known, low budget promotional secret that could catapult your real estate success into the stratosphere. Are you ready for this?

          The promotional secret is a simple, home published, paper newsletter.

 A simple, inexpensive paper newsletter that you write yourself can be the most powerful influencing tool your business or organization has ever had access to. And do you know why? Because a newsletter isn’t slick or glossy and filled with blatant sales talk that people view cynically and suspiciously. A newsletter doesn’t appear to sell anything. And that’s precisely why … 

            A newsletter is the ultimate, credibility building marketing tool.

By providing valuable information on a regular, steady basis, a newsletter will make you stand out among your competition. It will lift your organization to greater heights in the minds of your readers. With a newsletter, you will build credibility, keep your customers informed and, most importantly, develop trust between you and your marketplace. No other marketing tool will do a better job of creating customer loyalty and attracting new and repeat business.

         7 ways your own business newsletter will help to explode your profits!

Your own, simple paper newsletter will …

 Keep your name at the top of your readers’ minds, so they think of you first when they are ready to buy.
 Allow you to introduce new products or services and sell them right away.
 Build trust and confidence so when you make a recommendation, readers listen and buy.
 Create feedback and gather testimonials that are worth their weight in gold.
 Position you to be the one approached to do joint ventures.
 Create new revenue streams as you sell ads to others and sell subscriptions.
 Make those you’ve never met feel like they’ve known you for years by providing information that’s both valuable and personal. Money can’t buy the incredible bond of loyalty – and profits that will result.
 And there’s so much more!
Having your own newsletter means you can advertise your products, services and opportunities any time you want. And as your readers get to know and trust you, they will buy the products and services you recommend. You never know who might become a customer, joint partner, mentor or service provider that you promote and profit from.

It all sounds great … but how do you get started?

Go get the only real estate MONEY system that includes valuable newsletter marketing strategies @
www.cashflowexperts.biz/ultimate
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If you’re going to mail out a newsletter, you need a mailing list, right?

First you need to put together the names and addresses of all the people you would want to do business with. You start with your customers, your doctor, dentist, lawyer, accountant, even friends and family members – anyone you have any kind of relationship with.

If you haven’t had an opportunity to build a list of customers yet, you can buy a list on disk or on labels. You can pinpoint your target market by zip code … age … income level, etc. Two excellent sources for investigating lists at the library are the SRDS Direct Marketing List Source™ and the Oxbridge Communications National Directory of Mailing Lists. Or you can look in the phone book and contact a list broker.

Over time, you will want to continually add to your list. And you’ll need a simple database software program to input your mailing list information.

Filemaker Pro is one of the easiest ways to organize and manage your mailing list. It will keep your data base up to date, print out labels and allow you to track and sort information.

Okay, you’ve got a mailing list – now what about the actual newsletter?

If you’re like most people, it takes all of your time and energy to run your business. Who the heck has time to write a newsletter? Well, that’s where this report becomes invaluable. Because the hardest part has already been done for you!

The sample newsletters that you get with this report are your free templates. All you have to do is cut and paste in your own business information. You DO NOT need to be perfect – you do not even want to be perfect. You just need to provide easy to read, interesting information and special, compelling offers that people begin to anticipate.

Tips on easier and better ways to do things, ways save money, recommended resources, articles by experts, even personal information: Your newsletter comes alive when you publish what you know. By establishing yourself as an expert, you build that credibility we talked about earlier. Plus there is longevity as well – you’re building relationships with your readers that result in a lifetime of repeat business.

Sure it takes a bit of time and effort. But much less than you’re probably thinking. And the payoff is HUGE! This effort will yield greater returns than any other advertising that you spend time and money on.

Did you know that everything you need to create your own profitable real estate newsletter is included in the Ultimate real estate investor’s guide?

So you can get a money system that shows you how to get $200,000 spend-able cash and valuable coaching on putting together your own profitable newsletter.

Go get the complete system RIGHT NOW at the website,
www.cashflowexperts.biz/ultimate

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Now let’s hone in on some specific opportunities that your business newsletter creates.

The 8 Profit Centers built into your business newsletter …

Simply by using your TEK Services sample newsletter as a template, you can easily replicate what Tom Kish has done. Notice how he promotes both his landscaping and real estate businesses simultaneously. And what a powerful way that is for you to increase your profit potential …
1) There will be many other businesses seeking exposure to your list. By establishing working partnerships with these other businesses, you can provide them with valuable advertising space and get them to cover 75%, or even more, of your postage costs.

2) You can sell real estate along with any number of other products or services. As you can see, in the TEK Services newsletter sample, Tom’s landscaping business is being well promoted as are a number of his real estate offerings.

3) Note the powerful ad on page 2 – “We Buy Houses For Cash.” You can use that exact wording for your own real estate business. (Or use it as a model to create any other type of business ad.) Because it’s in your newsletter, people who don’t know you personally will feel like they do and be more inclined to choose you to do business with over a realtor they’ve never met.

4) In your own newsletter, you can go into more detail about a property which powers up your advertisement. You get much greater exposure than you ever would in a cost prohibitive short ad elsewhere. Also, by eliminating the need for a realtor, you eliminate those hefty commission outlays.

5) As your mailing list grows in size, you can list other people’s properties – including realtors – so you profit more and more by getting others involved.

6) You can clean up with hot leads on real estate deals, too. Take a look at the page 1 newsletter ad that invites readers to make money with referrals. Note how TEK Services offers gifts and cash for several different types of business leads.

7) As your relationship with the folks on your mailing list grows, so will your credibility. That means, whenever you endorse an outside product or service, your list will pay attention. Think about your potential profits from affiliate marketing alone!

Yet another income stream for you: When you provide valuable information that helps people save time and money, they will gladly pay for an ongoing subscription.

One of the things that TEK Services has done very successfully with their newsletter is to actually drive business based on offers and timing. By arranging mail delivery right before Labor Day, the calls come flooding in right after the holiday. And a huge amount of landscaping business is generated for fall.

By continuing mailings to folks who move out of the area, TEK Services has picked up business as well. Because of the trust that evolves from ongoing contact, TEK Services has been chosen to handle real estate deals on behalf of a number of clients who couldn’t be physically present.

Remember, we’d all rather do business with people we know and trust.

When you are looking for a new product or service, don’t you usually ask a personal friend or associate before you open up the phone book? Well, your readers often look to you for recommendations. Because they view your newsletter differently than any other piece of marketing material – like a person they know and trust.

Of course, the Internet is a great way to promote your business, too. Every business should have a web site and emails that go out regularly. But – and it’s a big but – there is no way that Internet technology can match the promotional impact and exclusivity of a simple, paper newsletter on a personal level.

Even when a newsletter sits on someone’s table at home for a week or two without being read – the day that newsletter is transferred to the trash pile, your business name is, once again, right in front of your customer or prospect. Let’s face it …

Newsletters work! They educate, inform and build credibility and trust. They keep your name at the top of your prospect’s mind. And, they make money. If you’re looking to grow your business, now is the time to outshine your competition and put into motion the most successful marketing tool in history – your own, profit-pulling paper newsletter.

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Get the Ultimate real estate investor’s guide - how to create wealth without using your own cash, right away.

You will get a complete newsletter campaign system including copies of 4 real newsletters that my business used to make $60,000 on one deal!

And this system will also show you the 4 simple steps to getting $200,000 new business lines of credit for any real estate investing you want to do.

You can only get my trademarked system @
www.cashflowexperts.biz/ultimate

Tax tips…

Here is something most new real estate investor’s over look when it comes to taxes – deprecation!

I always create a real estate depreciation table for each property I own that show the value of 3 things.

1. Personal property inside the house. This is the best depreciation because you are aloud to deduct the value of all the items inside the house on a fast 5 year table.

2. Landscape improvements outside the house. This is good depreciation because you can deduct the value of all landscape, watering systems and cement work outside the house on a good 15 year table.

3. The value of the house. You are not allowed to depreciate the value of the land, so you must remove that amount from the purchase price of the real estate before you create your depreciation table. The house value can be depreciated on a 27.5 year table.

These kind of deductions put real money back in your pocket with tax saving that only real estate can offer.

We keep finding many more great lease option investing deals using my money system for getting new lines of credit and using Heather’s technique.

If you have not started using my Ultimate real estate investor’s guide yet - go get it at www.cashflowexperts.biz/ultimate

And join me on a live training call with Heather to teach you about using my cash flow secrets to do lease option investing strategies in today’s phase one real estate market. She can teach you what is working right now.

It’s time to learn what technique you need to be using in our current buyers real estate market conditions.

When -
Thurs. August 24th
At 6:15pm pacific/8:15pm central/9:15pm eastern

How -
Call 1-712-432-4028
No code needed

Who should listen to this live call?

Anyone that wants to attend a LIVE boot camp to learn about what is working in TODAY’S phase one market.

You can register now for the Las Vegas boot camp @ www.WinningTheRealEstateGameBootcamp.com

This is the only boot camp that can show you:

1. Where to get an extra $250,000 in new business lines of credit that will only be unveiled at this boot camp.

2. How to control real estate using lease option techniques. Lease options allow you to lock in a favorable future price on a property with no down side risk if the market falls. And lease option properties are easy to cash flow and collect large non-refundable cash down payments on.

3. Exit strategies that allow you to sell property without a realtor and pocket the commission. Learn the best way to sell directly to lease option buyers without ever placing an ad in the paper!

4. The right way to form a real estate partnership. Learn how to get other people to contribute the money for your next real estate partnership.

Register for the boot camp now before all the seats and sleeping rooms are taken!

Register @ www.WinningTheRealEstateGameBootcamp.com

Most people are unaware of what their personal credit score is, and they don’t know that they can do simple things to improve it. Every transaction you do in the industry will call for a personal credit check. You will lose thousands of dollars unnecessarily if you do not manage your personal credit score. Go into every loan application process with your most current credit score in hand, and make sure you have corrected any errors that you may find on your report before you begin to buy real estate.

Some mortgage brokers may quote you a teaser rate based on the need to have a very high credit score and then disclose a much higher interest rate days before the closing of your transaction when your true credit score is revealed. Ask the broker to quote you an interest rate based on your current credit score AND the kind of mortgage you want to apply for.

Understand that no matter what your credit score is - interest rates are always higher for a stated income mortgage than they are for a full document mortgage.

A good resource for understanding the credit scoring system is found @
www.CashFlowExperts.Biz/Donna

There are real estate grants that you NEVER have to pay back!

Did you know that there are millions of dollars available in real estate investing grants through government real estate programs?

Do you know how easy it is to get it?

This is money that you NEVER have to pay back if you qualify!

Trouble is, it’s almost impossible for the average person to learn where to find them and how to properly qualify for them.

Until NOW.

Because my associate Jillian Coleman Wheeler has spent 2 years putting together the step by step guide on EXACTLY where and how to get this grant money.

And now she has all the information you need to get these real estate grants and many low interest real estate loans.

This valuable resource that she has created is called “The New American
Land Rush: How to Buy Real Estate with Government Money”.

You had better believe that this woman knows what she’s talking about.  She
got a whole apartment complex free, with a
government grant, and she’s gotten big results for
her consulting clients. 

She has the experience and the insider knowledge on how to get this money that can only come from someone like Jillian that spent years writing proposals for her clients and for her own real estate investments.

Now Jillian walks you through every program, step by
step.  She even gives you names and contact
information for all the program managers!

Go get the real estate grants system at,
http://www.1shoppingcart.com/app/aftrack.asp?afid=278978

Real Estate Partnership checks and balances…

How do you get people to trust you when they participate in a real estate partnership or group LLC where they have put in their cash and good credit to help you access business credit lines?

You need to create a series of checks and balances to protect everyone’s interests.

1 open a business checking account that requires two signatures to write checks

2 let the credit partner that applies for the business credit card to hold it and use it as needed for the partnership

3 have the credit card bills mailed to the credit partner who’s name is on the account, and then send them the check for the monthly payment. Or fax them a copy of the bill and a copy of the check used to pay it.

4 hire a book keeper to balance the books each month and forward a profit and loss statement to all partners.

5 hire a property management company to collect rent and direct deposit it into company checking account

Mike’s question about paying interest on lines of credit

Do you start to accrue interest the moment you pull cash out of a business line of credit or do you get a grace period?

TOM - If you are using one of the 0% interest cards that I recommend you will pay no interest for the first 9 months. Otherwise - yes, you would pay interest from the time you started using the money.

Question from David

Where can I find the example of how to fill out the credit applications and the copies of the newsletters you offer in your system?

TOM - you received a CD-rom #5 in your package. You put it in your computer and click on the links to print any document or template you need. It is all there on CD-rom 5.