CashFlowExperts.Biz

This guide is a resource for all consumers to use to help them avoid the most common ways people may be mislead or ripped off in the real estate and banking industry.

1. 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.

3. Realtor love to sell property to new investors by telling them about how much it will appreciate over time. Beware of property that loses money on paper every month because of negative cash flow.

Just because a realtor tells you a property will appreciate enough over time to cover your monthly losses does not mean it is a good investment.

The best investments are ones that come close to breakeven or have positive cash flow BEFORE possible appreciation is calculated.

Tax benefits to owning real estate can be a powerful factor in what kind of property you invest in, but start with the basics.
a. does the property cash flow?
b. can you buy it below market and flip it later?
c. can you add value to it by making improvements to it?
d. are you in a HOT market that is appreciating rapidly because of a PROVEN TREND.
e. can you resell the property at a higher price by offering better financing terms than the bank will to your prospective buyer?

The people that use my money system to invest in real estate can save a HUGE amount on their tax bill each year.

Here are some of the ways you reduce your taxes when you use my Ultimate Real Estate Investor’s Guide:

1. The real estate you buy with my system can be depreciated 3 ways. I teach my clients how and show them what to tell their tax preparer. Most people can use these passive deductions to offset earned income from a job or other investments.

2. Start a business on paper and deduct your business expenses. Many of the things you do everyday can be deducted as business expenses if you own a business. Business owners legally deduct cell phones, car costs, postage and much more on their taxes.

3. Rent your home office. Make your business pay you rent for the portion of your home you use for business. Allowable home office deductions are rarely claimed by the average business owner. And you can deduct utilities too!

Learn more tax saving tips and money making ideas when you get my trademarked system @ www.cashflowexperts.biz/ultimate
 

Listen to my REPLAY.

Go to www.TomsReplay.Biz

I am proud to have put together the only simple 4 step system to show you EXACTLY where and how to get the CASH needed to make money as a real estate investor - starting with none of your own money.

My system in a box has the MONEY you need for all your real estate investing plans.

You can get up to $200,000 in new business lines of credit for real estate investing @
www.cashflowexperts.biz/ultimate

This is my trademarked Ultimate Real Estate Investors Guide - how to create wealth out using your own cash.

If you need money, please check out my money system for real estate investors.

And enjoy this story I found about what Robert Kiyosaki has to say about the business of real estate.
——————————————————

Real Estate Riches In A Big Mac Box?

What One Young Man Learned About Making His
Real Estate Fortune From A Visit To McDonald’s

By Phyllis N. Schwartz
Staff Writer

“With every dollar in your hand, you have the power to choose
to be rich, poor or middle class” — Robert Kiyosaki

There are no coincidences. I truly believe that. My son and I were
grabbing a quick bite at McDonald’s after a rare day spent together
shopping. (My son is at that stage where he’d much rather do just
about anything with his friends.)

As we sat down to dig into our Big Macs, my son said to me: “You
know that Apprentice TV show, Mom? I want to be like that rich dude
Donald Trump. I want to get into real estate – big time.” He was
deadly serious. 

As dreams of “my son the doctor” floated out of my head, the words
of Robert Kiyosaki floated in … “you have the power to choose to be
rich … “ Who was I to burst my son’s bubble. He was finally old enough
to think about the future. So why not encourage him to think BIG.
He waited to make sure I wasn’t laughing at him and, in between
chews, he said “You know stuff, Mom. So how do I do it…how do I
get started?”
Since that was the first time in ages that my son acknowledged I might
actually know something, I started thinking fast. And as I stared at the
fries on the table, another piece of Kiyosaki wisdom popped into my head …

“In order to get where you’re going, you need to know where you are.”
And I said, “Son,” (his name is Matthew) … “Take a good look around
you. Notice how this McDonald’s has a look and a feel similar to every
other McDonald’s we’ve ever visited. Look at the signs, the lighting,
the colors. Think about the ads.

He looked at me and said “Mom, you’re whacked. I asked about real
estate and you’re talking about McDonald’s.” I said, “Matthew –
you’re talking about building a real estate empire.” McDonald’s is a
business empire. It started out as a hamburger stand and now is the
world’s largest, most successful fast food franchise. 35 Billion Served,
Matt.”

And I launched into an hour long lesson about adopting a “Rich Dad”
state of mind… and precisely what a new business needs to succeed,
starting right out of the gate:

Tested and proven systems… a business plan that has already made
money… marketing materials that work the first time… a complete
advertising campaign… detailed training material and scripts…
mentors and coaches who are easy to talk to… financing…
communication skills… a vision with written goals…

Suddenly, I realized that I had just put Matthew on information overload. So I put the brakes on.
Matt, you are interested in real estate, right? He nodded. You don’t
have much money, credit or experience – yet. But you have the
vision. You have already taken the first step. Now you have to start
learning. Start reading everything you can get your hands on and,
together we will look for a mentor for you … someone who can hand
you the keys to success, just like McDonald’s gives to every new
franchise owner.

Anyone can be successful, Matthew if they know how to combine the
right money-making systems and techniques. You need to find
someone who has been there and done it …. a proven expert who
teaches a step-by-step approach to buying and selling real estate.

“But where will I get the money, Mom? They don’t teach this kind of
stuff in school.” Out of the mouths of babes – once again, I thought
of what Robert Kiyosaki said in Rich Dad, Poor Dad …
“The main reason why people struggle financially is because they have
spent years in school but learned nothing about money. The result is
that people learn to work for money … but never learn to have money
work for them.”

Simplifying the thought a notch so my son would understand, I said,

“Matthew, remember what we learned from that neat book about the
rich dad and the poor dad?” … I had his undivided attention now.
”Poor dad had a habit of saying I can’t afford it. But rich dad didn’t
allow those words to be used. He said How can I afford it? Matt’s
eyes lit up.

“Matthew,” I continued “Here’s what I would hand you in a box if I
had it: A brilliant mentor with a tested and proven system for buying
and selling real estate, who will teach you everything you need to
know, and give you all the tools you need to get started making
money.”

“Since I don’t have that, I will give you the next best thing. A chance
to negotiate your first successful real estate deal. You finish up this
year with at least a B average. And I will help you find a real estate
course that you can get started with.” We high fived and started
for home.

Since Matt’s last report card was pretty disappointing, I figure if he
comes through with the grades, then maybe someday we’ll be calling
him “The Matthew.” Whatever the future holds, I do know this: I will
never look at McDonald’s – or Matthew – quite the same way.

******************************************************

Wow, Tom Kish here again. That really moves me!

Go get my proven real estate system called The Ultimate Real Estate Investors Guide at,
www.cashflowexperts.biz/ultimate

You will see a very simple system that will work for you no matter if you -

1. Have bad credit.
2. Have an old bankruptcy.
3. Have no income.
4. Have no home equity.
5. Have no collateral.
6. Have no experience investing in real estate.

And it is money back guaranteed!

See you at the bank!

There are very few things you can’t use my business line of credit MONEY system to do. Some people think that they can only buy real estate with my system, but they are wrong.

Here are some of the best things that my clients have done with my MONEY system when they get the $200,000 lines of business credit.

1. Real Estate investing
2. Stock market investing
3. Starting a new business
4. Growing an existing business
5. Advertising
6. Creating an internet business
7. Writing a book or a screen play
8. Ebay business opportunities
9. Investing in livestock or race horses
10. Or any other business activity you can dream of

And the tax saving people enjoy when they start these kinds of businesses is one of the best reasons to use my system and create a business on paper.

Many of your personal expenses will become tax deductible when you legitimately spend this money on business items. Your cell phone, use of a room in your home for office work and your car can all become tax deductible to some extent. Check with your accountant to see what rules apply.

Look at what my CLIENTS tell me is the easiest way to get a lot of money to start any kind of business at,
www.cashflowexperts.biz/ultimate

———————————————————————

Let me teach you how to play business line of credit card poker.

Playing business credit card poker is simple. Just shuffle and bluff.
The best way to take advantage of low business credit card interest rates is to move balances from a higher rate card to a lower rate card. In many cases, there is no fee for a simple balance transfer. And most balance transfers offer a very low rate.

I just moved $15,000 from one business credit card to another and got a 3.9% rate for the LIFE of the loan. That means if I make minimum payments only, I will have a 3.9% interest rate on that money for 10 years! And the transfer fee was only $50.

Business lines of credit can be some of the cheapest money you ever get and it is certainly the easiest to get if you use my 4 step system which is available @ www.cashflowexperts.biz/ultimate

Bluffing is a very important negotiating skill in business credit card poker. It pays to call the credit card company and tell them that you have found a lower rate and ask them if they can do better.

Many companies will look up your account and give you an even lower rate than the one they recently quoted you.

If you missed my last MONEY training call - you can listen to it on the phone replay line or on the internet @
http://www.cashflowexperts.biz/Satcalls/Satcall-replay01.html