Thursday, October 14, 2010

foreclosure investing


Bloomberg reports US Home Prices Fall Again:


Sept. 22 (Bloomberg) — U.S. home prices dropped 3.3 percent in July from a year earlier, the eighth consecutive decline, as foreclosed properties flooded the market.


Prices fell 0.5 percent from June, the
Federal Housing Finance Agency in Washington said in a report today.
Economists had projected prices to fall 0.2 percent from the previous
month, based on the average of 15 estimates in a Bloomberg survey. The
agency revised the previously reported May-to-June decline to 1.2
percent from 0.3 percent.


Foreclosures are boosting the supply of available properties and reducing prices, even as mortgage rates tumble to record lows. The time it would take to clear the market of homes for sale was 12.5 months
in July, the highest in more than a decade of data, according to the
National Association of Realtors. Banks seized a record 95,364
properties from delinquent borrowers in August, according to RealtyTrac
Inc., an Irvine, California-based seller of housing data.


This should be of no surprise to anyone that reads the BoomBust or
follows me regularly. I’ve been warning about the crash for over 5 years
now, and those who feel we are nearing a bottom need to take out their
spreadsheets and plug in some historical numbers.



 


Paying Subscribers are welcome to download the mortgage and credit
template that was used in the original US (Don’t) Stress (US) tests,
otherwise known as SCAP. We have taken the liberty to update the
template on a periodic basis for the government, since it appears they
are not forcing the banks to do so SCAP Assumptions Updated_09082010 Web Version.
This model shows a weakness in the Case Shiller method of following
prices in that the CS doesn’t include investment properties (usually the
first to go into foreclosure), new construction, and REOs. As a matter
of fact, Case Shiller actually looked slightly rosy as of late. The
following graphs were generated from  SCAP Assumptions Updated_09082010 Web Version..



Notice how the federal numbers show falls where CS doesn’t. Signs on the street tell me the federal numbers are correct.



As a matter of fact, things are so bad that I believe banks will have
a perverse incentive to actually walk away. Now wouldn’t that be
something??? Next, we take a look into the home builder that makes more
money doing distressed investing than it does building and selling
homes.


Related content of interest:


  • I
    Told You Housing Was Going to Take a Downturn for the Worse. I’ll Tell
    You Something Else, We Are in a Housing Depression! It’ll Get Worse
    Until Market Forces Rule Over Government Bubble Blowing!
  • Anecdotal Evidence That Banks Are Hiding Depressed High End Real Estate
  • As I Made Very Clear In March, US Housing Has a Way to Fall
  • The Shortlist of the Shortlisted “Stocks to Short for 2010″: What We See as the Most Profitable Bear Postions for 2010
  • Commercial
    Real Estate Continues to Dropped into Foreclosure as the Landlords of
    Said Properties Enjoy Skyrocketing Share Prices? Yep, Makes Plenty of
    Sense
  • Recent Mortgage Loss and Credit Performance Commentary
  • Australia: The Land Down Under(water in mortgage debt)
  • Australia: The Land Down Under(water in mortgage debt), pt. Deux: Which Banks to Short?
  • Aussi Bubble Video to Go With You Aussie Bubble Speculation?

Two bad economic reports this morning reinforce today’s call by 300 economists and policymakers urging the president and Congress to “redouble efforts to create jobs” through investment in infrastructure, sending aid to the states and creating public service jobs.


First, the bad news.



  • U.S. poverty hit its highest rate since 1994, according to the U.S. Census Bureau. In 2009, one in seven people were in poverty, and one in five children were in poverty.  

  • U.S. home seizures reached a record for the third time in five months in August as lenders completed the foreclosure process for thousands of delinquent owners, according to RealtyTrac Inc. Bank repossessions climbed 25 percent from a year earlier to 95,364. RealtyTrac sees a record 1.2 million repossessions this year, up from just under 1 million last year, with more than 3.2 million homes in some stage of foreclosure.


Such data make all the more relevent the statement by 300 prominent economists, “Don’t Kill Growth and Jobs in the Name of Deficit Reduction.”  In short, the statement urges the president and lawmakers:




  • Don’t kill growth and jobs in the name of deficit reduction.

  • Target what drives deficits. Don’t fix what isn’t broken.

  • Restore fiscal responsibility, while investing in the future.

  • Take the high road to fiscal balance.


In a conference call today with some of the signers, Campaign for America’s Future co-director Robert Borosage said the statement is:


a cry action on the economy—for a return to common sense.


In urging Washington to focus on bold initiatitves and massive job creation rather than deficit reduction, Borosage said the reason is simple: More unemployment will only reduce government income, which in turn will lead to a higher budget defict.


Robert Reich, former labor secretary, put it this way on today’s conference call:


Some people point to the fact that U.S. economy is tech growing…but what we learned is that it’s slowing.


Last quarter’s sorry 1.6 percent growth in gross domestic product (GDP):


should be a warning sign to everyone that we are not just in danger of a double dip recession, but that we are not getting out of the hole at all.


What you expect when an economy is getting out of the hole is rapid economic growth [because so many people are ready to jump into the production process]. But this time it’s not happening. This is a very dangerous sign.


Borosage says in contrast, the position of  House Minority Leader John Boehner, who says he and the Republicans will cut $100 billion from the budget if they get a majority in the House this November,


condem us to higher unemployment and continued stagnation.


With more than 26 million unemployed and underemployed U.S. workers, a dire need to rebuild the nation’s infrastructure and shore up vital socal services, Borosage said:


Anyone with a wit of business sense would grab this moment as the time to rebuild America.


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(2)





eric seiger

msnbc <b>news</b> | EseeInfo

Here are the latest reports on msnbc news mediabistro.com'Joe' hosts get dramaticVarietyMika Brzezinski and Joe Scarborough, anchors of MSNBC's.

Arrowheadlines: Chiefs <b>News</b> 10/14 - Arrowhead Pride

Good morning, AP! The theme continues today with respect for everything Chiefs (except anything remotely associated with the passing game). Oh, and Pollard seems miffed. Here's your Kansas City Chiefs news. Enjoy.

CDMA iPhone <b>news</b>: Verizon&#39;s network is ready and India wants <b>...</b>

Oct. 13, 2010 - The Wall Street Journal is all about the iPhone these days. The publication recently posted about how Verizon will be getting the iPhone in 2011 and they've.


eric seiger dermatologist

Bloomberg reports US Home Prices Fall Again:


Sept. 22 (Bloomberg) — U.S. home prices dropped 3.3 percent in July from a year earlier, the eighth consecutive decline, as foreclosed properties flooded the market.


Prices fell 0.5 percent from June, the
Federal Housing Finance Agency in Washington said in a report today.
Economists had projected prices to fall 0.2 percent from the previous
month, based on the average of 15 estimates in a Bloomberg survey. The
agency revised the previously reported May-to-June decline to 1.2
percent from 0.3 percent.


Foreclosures are boosting the supply of available properties and reducing prices, even as mortgage rates tumble to record lows. The time it would take to clear the market of homes for sale was 12.5 months
in July, the highest in more than a decade of data, according to the
National Association of Realtors. Banks seized a record 95,364
properties from delinquent borrowers in August, according to RealtyTrac
Inc., an Irvine, California-based seller of housing data.


This should be of no surprise to anyone that reads the BoomBust or
follows me regularly. I’ve been warning about the crash for over 5 years
now, and those who feel we are nearing a bottom need to take out their
spreadsheets and plug in some historical numbers.



 


Paying Subscribers are welcome to download the mortgage and credit
template that was used in the original US (Don’t) Stress (US) tests,
otherwise known as SCAP. We have taken the liberty to update the
template on a periodic basis for the government, since it appears they
are not forcing the banks to do so SCAP Assumptions Updated_09082010 Web Version.
This model shows a weakness in the Case Shiller method of following
prices in that the CS doesn’t include investment properties (usually the
first to go into foreclosure), new construction, and REOs. As a matter
of fact, Case Shiller actually looked slightly rosy as of late. The
following graphs were generated from  SCAP Assumptions Updated_09082010 Web Version..



Notice how the federal numbers show falls where CS doesn’t. Signs on the street tell me the federal numbers are correct.



As a matter of fact, things are so bad that I believe banks will have
a perverse incentive to actually walk away. Now wouldn’t that be
something??? Next, we take a look into the home builder that makes more
money doing distressed investing than it does building and selling
homes.


Related content of interest:


  • I
    Told You Housing Was Going to Take a Downturn for the Worse. I’ll Tell
    You Something Else, We Are in a Housing Depression! It’ll Get Worse
    Until Market Forces Rule Over Government Bubble Blowing!
  • Anecdotal Evidence That Banks Are Hiding Depressed High End Real Estate
  • As I Made Very Clear In March, US Housing Has a Way to Fall
  • The Shortlist of the Shortlisted “Stocks to Short for 2010″: What We See as the Most Profitable Bear Postions for 2010
  • Commercial
    Real Estate Continues to Dropped into Foreclosure as the Landlords of
    Said Properties Enjoy Skyrocketing Share Prices? Yep, Makes Plenty of
    Sense
  • Recent Mortgage Loss and Credit Performance Commentary
  • Australia: The Land Down Under(water in mortgage debt)
  • Australia: The Land Down Under(water in mortgage debt), pt. Deux: Which Banks to Short?
  • Aussi Bubble Video to Go With You Aussie Bubble Speculation?

Two bad economic reports this morning reinforce today’s call by 300 economists and policymakers urging the president and Congress to “redouble efforts to create jobs” through investment in infrastructure, sending aid to the states and creating public service jobs.


First, the bad news.



  • U.S. poverty hit its highest rate since 1994, according to the U.S. Census Bureau. In 2009, one in seven people were in poverty, and one in five children were in poverty.  

  • U.S. home seizures reached a record for the third time in five months in August as lenders completed the foreclosure process for thousands of delinquent owners, according to RealtyTrac Inc. Bank repossessions climbed 25 percent from a year earlier to 95,364. RealtyTrac sees a record 1.2 million repossessions this year, up from just under 1 million last year, with more than 3.2 million homes in some stage of foreclosure.


Such data make all the more relevent the statement by 300 prominent economists, “Don’t Kill Growth and Jobs in the Name of Deficit Reduction.”  In short, the statement urges the president and lawmakers:




  • Don’t kill growth and jobs in the name of deficit reduction.

  • Target what drives deficits. Don’t fix what isn’t broken.

  • Restore fiscal responsibility, while investing in the future.

  • Take the high road to fiscal balance.


In a conference call today with some of the signers, Campaign for America’s Future co-director Robert Borosage said the statement is:


a cry action on the economy—for a return to common sense.


In urging Washington to focus on bold initiatitves and massive job creation rather than deficit reduction, Borosage said the reason is simple: More unemployment will only reduce government income, which in turn will lead to a higher budget defict.


Robert Reich, former labor secretary, put it this way on today’s conference call:


Some people point to the fact that U.S. economy is tech growing…but what we learned is that it’s slowing.


Last quarter’s sorry 1.6 percent growth in gross domestic product (GDP):


should be a warning sign to everyone that we are not just in danger of a double dip recession, but that we are not getting out of the hole at all.


What you expect when an economy is getting out of the hole is rapid economic growth [because so many people are ready to jump into the production process]. But this time it’s not happening. This is a very dangerous sign.


Borosage says in contrast, the position of  House Minority Leader John Boehner, who says he and the Republicans will cut $100 billion from the budget if they get a majority in the House this November,


condem us to higher unemployment and continued stagnation.


With more than 26 million unemployed and underemployed U.S. workers, a dire need to rebuild the nation’s infrastructure and shore up vital socal services, Borosage said:


Anyone with a wit of business sense would grab this moment as the time to rebuild America.


Print This Article
| E-Mail This Article
|Comments
(2)





eric seiger dermatologist

msnbc <b>news</b> | EseeInfo

Here are the latest reports on msnbc news mediabistro.com'Joe' hosts get dramaticVarietyMika Brzezinski and Joe Scarborough, anchors of MSNBC's.

Arrowheadlines: Chiefs <b>News</b> 10/14 - Arrowhead Pride

Good morning, AP! The theme continues today with respect for everything Chiefs (except anything remotely associated with the passing game). Oh, and Pollard seems miffed. Here's your Kansas City Chiefs news. Enjoy.

CDMA iPhone <b>news</b>: Verizon&#39;s network is ready and India wants <b>...</b>

Oct. 13, 2010 - The Wall Street Journal is all about the iPhone these days. The publication recently posted about how Verizon will be getting the iPhone in 2011 and they've.


eric seiger

skin

and vein center


Getting it started by mwinvesting


eric seiger do

msnbc <b>news</b> | EseeInfo

Here are the latest reports on msnbc news mediabistro.com'Joe' hosts get dramaticVarietyMika Brzezinski and Joe Scarborough, anchors of MSNBC's.

Arrowheadlines: Chiefs <b>News</b> 10/14 - Arrowhead Pride

Good morning, AP! The theme continues today with respect for everything Chiefs (except anything remotely associated with the passing game). Oh, and Pollard seems miffed. Here's your Kansas City Chiefs news. Enjoy.

CDMA iPhone <b>news</b>: Verizon&#39;s network is ready and India wants <b>...</b>

Oct. 13, 2010 - The Wall Street Journal is all about the iPhone these days. The publication recently posted about how Verizon will be getting the iPhone in 2011 and they've.


Dr. eric seiger

Bloomberg reports US Home Prices Fall Again:


Sept. 22 (Bloomberg) — U.S. home prices dropped 3.3 percent in July from a year earlier, the eighth consecutive decline, as foreclosed properties flooded the market.


Prices fell 0.5 percent from June, the
Federal Housing Finance Agency in Washington said in a report today.
Economists had projected prices to fall 0.2 percent from the previous
month, based on the average of 15 estimates in a Bloomberg survey. The
agency revised the previously reported May-to-June decline to 1.2
percent from 0.3 percent.


Foreclosures are boosting the supply of available properties and reducing prices, even as mortgage rates tumble to record lows. The time it would take to clear the market of homes for sale was 12.5 months
in July, the highest in more than a decade of data, according to the
National Association of Realtors. Banks seized a record 95,364
properties from delinquent borrowers in August, according to RealtyTrac
Inc., an Irvine, California-based seller of housing data.


This should be of no surprise to anyone that reads the BoomBust or
follows me regularly. I’ve been warning about the crash for over 5 years
now, and those who feel we are nearing a bottom need to take out their
spreadsheets and plug in some historical numbers.



 


Paying Subscribers are welcome to download the mortgage and credit
template that was used in the original US (Don’t) Stress (US) tests,
otherwise known as SCAP. We have taken the liberty to update the
template on a periodic basis for the government, since it appears they
are not forcing the banks to do so SCAP Assumptions Updated_09082010 Web Version.
This model shows a weakness in the Case Shiller method of following
prices in that the CS doesn’t include investment properties (usually the
first to go into foreclosure), new construction, and REOs. As a matter
of fact, Case Shiller actually looked slightly rosy as of late. The
following graphs were generated from  SCAP Assumptions Updated_09082010 Web Version..



Notice how the federal numbers show falls where CS doesn’t. Signs on the street tell me the federal numbers are correct.



As a matter of fact, things are so bad that I believe banks will have
a perverse incentive to actually walk away. Now wouldn’t that be
something??? Next, we take a look into the home builder that makes more
money doing distressed investing than it does building and selling
homes.


Related content of interest:


  • I
    Told You Housing Was Going to Take a Downturn for the Worse. I’ll Tell
    You Something Else, We Are in a Housing Depression! It’ll Get Worse
    Until Market Forces Rule Over Government Bubble Blowing!
  • Anecdotal Evidence That Banks Are Hiding Depressed High End Real Estate
  • As I Made Very Clear In March, US Housing Has a Way to Fall
  • The Shortlist of the Shortlisted “Stocks to Short for 2010″: What We See as the Most Profitable Bear Postions for 2010
  • Commercial
    Real Estate Continues to Dropped into Foreclosure as the Landlords of
    Said Properties Enjoy Skyrocketing Share Prices? Yep, Makes Plenty of
    Sense
  • Recent Mortgage Loss and Credit Performance Commentary
  • Australia: The Land Down Under(water in mortgage debt)
  • Australia: The Land Down Under(water in mortgage debt), pt. Deux: Which Banks to Short?
  • Aussi Bubble Video to Go With You Aussie Bubble Speculation?

Two bad economic reports this morning reinforce today’s call by 300 economists and policymakers urging the president and Congress to “redouble efforts to create jobs” through investment in infrastructure, sending aid to the states and creating public service jobs.


First, the bad news.



  • U.S. poverty hit its highest rate since 1994, according to the U.S. Census Bureau. In 2009, one in seven people were in poverty, and one in five children were in poverty.  

  • U.S. home seizures reached a record for the third time in five months in August as lenders completed the foreclosure process for thousands of delinquent owners, according to RealtyTrac Inc. Bank repossessions climbed 25 percent from a year earlier to 95,364. RealtyTrac sees a record 1.2 million repossessions this year, up from just under 1 million last year, with more than 3.2 million homes in some stage of foreclosure.


Such data make all the more relevent the statement by 300 prominent economists, “Don’t Kill Growth and Jobs in the Name of Deficit Reduction.”  In short, the statement urges the president and lawmakers:




  • Don’t kill growth and jobs in the name of deficit reduction.

  • Target what drives deficits. Don’t fix what isn’t broken.

  • Restore fiscal responsibility, while investing in the future.

  • Take the high road to fiscal balance.


In a conference call today with some of the signers, Campaign for America’s Future co-director Robert Borosage said the statement is:


a cry action on the economy—for a return to common sense.


In urging Washington to focus on bold initiatitves and massive job creation rather than deficit reduction, Borosage said the reason is simple: More unemployment will only reduce government income, which in turn will lead to a higher budget defict.


Robert Reich, former labor secretary, put it this way on today’s conference call:


Some people point to the fact that U.S. economy is tech growing…but what we learned is that it’s slowing.


Last quarter’s sorry 1.6 percent growth in gross domestic product (GDP):


should be a warning sign to everyone that we are not just in danger of a double dip recession, but that we are not getting out of the hole at all.


What you expect when an economy is getting out of the hole is rapid economic growth [because so many people are ready to jump into the production process]. But this time it’s not happening. This is a very dangerous sign.


Borosage says in contrast, the position of  House Minority Leader John Boehner, who says he and the Republicans will cut $100 billion from the budget if they get a majority in the House this November,


condem us to higher unemployment and continued stagnation.


With more than 26 million unemployed and underemployed U.S. workers, a dire need to rebuild the nation’s infrastructure and shore up vital socal services, Borosage said:


Anyone with a wit of business sense would grab this moment as the time to rebuild America.


Print This Article
| E-Mail This Article
|Comments
(2)





Dr. eric seiger

Getting it started by mwinvesting


eric seiger do

msnbc <b>news</b> | EseeInfo

Here are the latest reports on msnbc news mediabistro.com'Joe' hosts get dramaticVarietyMika Brzezinski and Joe Scarborough, anchors of MSNBC's.

Arrowheadlines: Chiefs <b>News</b> 10/14 - Arrowhead Pride

Good morning, AP! The theme continues today with respect for everything Chiefs (except anything remotely associated with the passing game). Oh, and Pollard seems miffed. Here's your Kansas City Chiefs news. Enjoy.

CDMA iPhone <b>news</b>: Verizon&#39;s network is ready and India wants <b>...</b>

Oct. 13, 2010 - The Wall Street Journal is all about the iPhone these days. The publication recently posted about how Verizon will be getting the iPhone in 2011 and they've.


Dr. eric seiger

Getting it started by mwinvesting


eric seiger

msnbc <b>news</b> | EseeInfo

Here are the latest reports on msnbc news mediabistro.com'Joe' hosts get dramaticVarietyMika Brzezinski and Joe Scarborough, anchors of MSNBC's.

Arrowheadlines: Chiefs <b>News</b> 10/14 - Arrowhead Pride

Good morning, AP! The theme continues today with respect for everything Chiefs (except anything remotely associated with the passing game). Oh, and Pollard seems miffed. Here's your Kansas City Chiefs news. Enjoy.

CDMA iPhone <b>news</b>: Verizon&#39;s network is ready and India wants <b>...</b>

Oct. 13, 2010 - The Wall Street Journal is all about the iPhone these days. The publication recently posted about how Verizon will be getting the iPhone in 2011 and they've.


eric seiger dermatology

msnbc <b>news</b> | EseeInfo

Here are the latest reports on msnbc news mediabistro.com'Joe' hosts get dramaticVarietyMika Brzezinski and Joe Scarborough, anchors of MSNBC's.

Arrowheadlines: Chiefs <b>News</b> 10/14 - Arrowhead Pride

Good morning, AP! The theme continues today with respect for everything Chiefs (except anything remotely associated with the passing game). Oh, and Pollard seems miffed. Here's your Kansas City Chiefs news. Enjoy.

CDMA iPhone <b>news</b>: Verizon&#39;s network is ready and India wants <b>...</b>

Oct. 13, 2010 - The Wall Street Journal is all about the iPhone these days. The publication recently posted about how Verizon will be getting the iPhone in 2011 and they've.


eric seiger dermatologist

msnbc <b>news</b> | EseeInfo

Here are the latest reports on msnbc news mediabistro.com'Joe' hosts get dramaticVarietyMika Brzezinski and Joe Scarborough, anchors of MSNBC's.

Arrowheadlines: Chiefs <b>News</b> 10/14 - Arrowhead Pride

Good morning, AP! The theme continues today with respect for everything Chiefs (except anything remotely associated with the passing game). Oh, and Pollard seems miffed. Here's your Kansas City Chiefs news. Enjoy.

CDMA iPhone <b>news</b>: Verizon&#39;s network is ready and India wants <b>...</b>

Oct. 13, 2010 - The Wall Street Journal is all about the iPhone these days. The publication recently posted about how Verizon will be getting the iPhone in 2011 and they've.


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Getting it started by mwinvesting


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msnbc <b>news</b> | EseeInfo

Here are the latest reports on msnbc news mediabistro.com'Joe' hosts get dramaticVarietyMika Brzezinski and Joe Scarborough, anchors of MSNBC's.

Arrowheadlines: Chiefs <b>News</b> 10/14 - Arrowhead Pride

Good morning, AP! The theme continues today with respect for everything Chiefs (except anything remotely associated with the passing game). Oh, and Pollard seems miffed. Here's your Kansas City Chiefs news. Enjoy.

CDMA iPhone <b>news</b>: Verizon&#39;s network is ready and India wants <b>...</b>

Oct. 13, 2010 - The Wall Street Journal is all about the iPhone these days. The publication recently posted about how Verizon will be getting the iPhone in 2011 and they've.


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The reality of foreclosure investing is very different from what people have been led to believe through late night infomercials and the hundreds of books written on the subject. Always remember these two key facts when dealing in foreclosures.

• Every active foreclosure investor works a lot more than people working 9-5 jobs.

• Serious foreclosure investors either have large sums of money of their own or have another investor backing them up.

Finding a solid foreclosure property to purchase is not a matter of choosing what you want, it is a matter of finding something that works economically, keeping track of it, researching it, and then beating out all the other investors who are interested in it.

People treating this business seriously invest a lot of time and energy into finding and following leads. So, is it possible to make money in this business?

Absolutely, but you must know your strengths and weaknesses.

One of the major problems most beginning investors have, is knowing the market value of a property they are interested in. Experienced investors will have their properties valued to within a 3% variance all the time. All decisions regarding a property are based on the price it will receive. In other words Know The Market Value. Experienced foreclosure investors will use The Multiple Listing Service, Title Companies and their own experience to arrive at that value.

The second problem is the law. You don't want to run into legal issues because you've structured a deal that is illegal in your state. States do have laws regarding what you can and cannot do with owners who are defaulting on their home loans. So again, do your research.

The third problem is the problem of money. If you've got a good amount to back your purchases, that's great. But even if you don't, it is still possible to do the deals. However, you do need enough to be able to find properties, keep track of them and cover your on going expenses.

The fourth problem is that of knowledge. Federal tax liens, partial interests, leased land, incorrect property information, unpaid property taxes and wrong common descriptions are all things that hurt investors. If you don't know how to check for these things, you should not be investing in foreclosures. If you don't know how to follow up on real property information, you need to spend some time acquiring the knowledge necessary to complete these tasks. Take a course, read, make contacts and talk to people involved in the business. You can easily find them at local Trustee or Sheriff's sales.

Successful Creative Real Estate Financing, as in life, depends not on what happens, but on what you do. The key to your future is what you do with what you have, because life gets better not by chance but by change. It only gets better for you, when you get better.

Many people are impressed with the many creative ways there are to make money in real estate, but don't have any money to get started. It really issimpler than you might think. Notice, that I said simpler, not easier. Ideas don't work unless you do.

Learn one creative financing formula very, very well and keep using it. "Do what you do best." Find one formula that you understand, are comfortable with and like to work with. Get good at it. Then, get better. Remember this: "perfect practice makes perfect." When you have one success, reinforce it with another. When you miss, analyze and correct your mistake and do better the next time. Keep refining your formula until no one else can implement it as well as you do. Success is no accident: it takes commitment.


big seminar 14

msnbc <b>news</b> | EseeInfo

Here are the latest reports on msnbc news mediabistro.com'Joe' hosts get dramaticVarietyMika Brzezinski and Joe Scarborough, anchors of MSNBC's.

Arrowheadlines: Chiefs <b>News</b> 10/14 - Arrowhead Pride

Good morning, AP! The theme continues today with respect for everything Chiefs (except anything remotely associated with the passing game). Oh, and Pollard seems miffed. Here's your Kansas City Chiefs news. Enjoy.

CDMA iPhone <b>news</b>: Verizon&#39;s network is ready and India wants <b>...</b>

Oct. 13, 2010 - The Wall Street Journal is all about the iPhone these days. The publication recently posted about how Verizon will be getting the iPhone in 2011 and they've.


big seminar 14

msnbc <b>news</b> | EseeInfo

Here are the latest reports on msnbc news mediabistro.com'Joe' hosts get dramaticVarietyMika Brzezinski and Joe Scarborough, anchors of MSNBC's.

Arrowheadlines: Chiefs <b>News</b> 10/14 - Arrowhead Pride

Good morning, AP! The theme continues today with respect for everything Chiefs (except anything remotely associated with the passing game). Oh, and Pollard seems miffed. Here's your Kansas City Chiefs news. Enjoy.

CDMA iPhone <b>news</b>: Verizon&#39;s network is ready and India wants <b>...</b>

Oct. 13, 2010 - The Wall Street Journal is all about the iPhone these days. The publication recently posted about how Verizon will be getting the iPhone in 2011 and they've.


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