Five Key Principles To Real Estate Investment Riches

Real Estate Investing is the craze today with people involved in the Carlton Sheets program spending money on courses to find out how they can make money in no money down real estate investing. This article hopes to help you create some sort of mental picture of five key principles that can help you make more money with real estate today.

Principle #1- The money is made in the purchase
Real estate investing is like value investing in stocks and you want to purchase the real estate during a period of a real estate slump. The reason for this is so that you can get a huge capital appreciation when the real estate market heats up again.

Spending time doing real estate valuation is critical since if you cannot satisfy yourself on the maths that is a viable proposition, there is no way that your real estate investment would be a good one.

Principle #2- Monitor Cash flow
Real Estate investment typically have a monthly rental income which then is used to pay for mortgage instalments and other problems with the building like a roof leak. You would thus have to keep a close watch on interest rate hikes since they can potentially erode any calculated return on investment quite quickly. Once you have enough cash coming in, it is suggested that you then keep some of it in a rainy day fund in case some of the rental tenants do not renew their property and then take the rest and consider investing in another real estate investment property.

Principle #3- Leverage on other people’s time
Remember that no one can do everything, so the key is to focus on what you do best. If your strength is in negotiating deals, spend time looking for property and then get professionals and contractors to handle all the rest of the deal for you. Similarly, if you are good at decorating property, then find deals and focus on the interior design of the property. By focusing on what you do best and getting other people to do the rest of the work, you are leveraging on their time and you can then make more money from each new real estate investment that you undertake. Spend your time to build your team of advisors and employees who work for you and you will see your profits start going up. Remember that by rewarding them financially, you will get a group of dedicated people helping you make more money from your real estate investment.

Principle #4- Learn how to use leverage with a good rainy day cash balance
Did you know that many real estate investors started off with very little money to invest? Even large real estate developers like Donald Trump have learnt the power of leverage when investing in property deals. You want to leverage as much as you can so that you can control property worth many times more than what you own. Remember however to keep a rainy day fund containing a portion of the rental payments so that you can hedge yourself against a possible period where unit occupancy of your real estate investment is low. Leverage when used well can make you lots of money but if managed badly, will bankrupt you. Thus planning your cash flow and learning how to use debt is critical before you start serious real estate investment.

Principle #5- Spend time networking with real estate professionals
Do you want the latest real estate investment deals? The best way to learn of them is to break into the local real estate professional group and make friends with them. Learn some real estate investment lingo and spend time making friends with them because they are your eyes and ears on the ground and they can tell you about recent developments and changes in rental, property and infrastructure of their geographical location. Having the first player advantage is what many large real estate investors have and by spending time to network with real estate brokers, you will substantially close the gap.

In conclusion, spend time looking at these five principles and determine how they can be applied to your real estate investment and you might start seeing an increase in your real estate income.

I Have A Problem Gambling And I Have Lost Everything

To often compulsive gamblers utter the words I am have a problem gambling and now I lost everything. At this point in their life they are finally ready to admit they have a problem gambling. These same people are increasing at an alarming rate.

Only a year ago things seem to be less dramatic then they are right now when it comes to gambling addiction. The accelerated growth in this addiction is paralleled to the growth in the gaming industry. Since a significant number of our population have now been exposed to this gaming industry the negative affects are more apparent. Each and every day we hear a new story about someone who has lost everything due to their gambling addiction and we may now know someone who also has been negatively affected.

Now that we know people are addicted to gambling, what should we do? This is a very difficult question to answer but I believe education and awareness can help those inflicted with this self destructive addiction. Unfortunately gambling addiction also affects all those around the compulsive gambler.

I have received several emails from people who believe their solutions would help decrease the accelerated growth of those addicted to gambling. The following are examples of those emails:

We should outlaw all forms of gambling.

The gamming industry needed rules and regulations that they must adhere to like the alcohol industry.

At the very least remove all ATM machines from gambling establishments especially casinos that have slot machines.

No Check cashing allowed at any gaming establishments

No alcohol should be allowed in casinos

Gambling establishments should not be allowed to use the postal service to send incentives for people to come to their place to gamble. Most people are easy prey. The gambling establishments send a fifty dollar gift certificate knowing the gambler is going to spend a at least ten times that amount.

No large billboard advertising. This industry makes their money by drawing on the innocent only to hook them and take everything they have worked so hard for.

No commercial advertising, donating to charities or sponsoring of the local news.

The above email comments are from those who have suffered directly to the the gaming industry. Remember it is not only the gambler but their family and friends who also have been negatively affected. They are biased and they have a right to be.

Remember these words I have a problem gambling and I have lost everything. because this could be you or your family member. If you even have the slightest notion you have a problem gambling, face it straight on and take the appropriate action. You can recover before you lose everything you have worked so hard for.

If you are have lost everything, you can rebuild your life and move forward. There are so many people who have walked in your shoes. I know this can be very painful, but with each day that passes as you begin your road to recovery you life will get brighter and brighter.

Marketing Education And Training: Mlm Secret Profits

When you start in the network marketing business, it is usually because of a couple of reasons. You are fed up with your job. You need more money than your job can give you; or, you simply want to start a business that will be with you for the long term. Many people start in the network marketing business because they believe that following an already organized, successful plan is easier than trying to create a business plan, product or service and promotional materials to get things off the ground. In many respects, network marketing takes care of many of the baffling, hard parts of business startup.

That’s the advantage of getting started with network marketing. The disadvantage to it is that they have no idea how the plan really comes together or how to judge whether the plan is good or bad at the outset. They are aware of how they need to network and far too many of them think that it ends with begging friends and family into helping them! While the plan is there, implementing it is a lot more difficult but very doable.

Prior to starting out, people need to be trained. Marketing education and training comes before prospecting MLM partners and associates because what a person learns and knows needs to be translated and transferred to the people being recruited in order to build a successful organization where everyone makes money. Lured by the hype, most new network marketers need training to get the information needed to make the product or service they are about to sell workable in the long term.

One of the first things that new network marketers need to learn is how to stop harassing and prospecting MLM associates in places where most people are not comfortable talking about a business opportunity. If you see a mother with two kids in the grocery line at the supermarket, this is probably not the best place to approach her with a full blown opportunity presentation. Another favorite approach after the new marketer runs out of friends and family to talk to is they buy useless leads that are either dead or broke or both. They are, in any case, not interested and consider your call the desperate warbling of a telemarketer.

Getting the correct type of marketing education and training is also crucial. In many network marketing programs, the new associate is taught that in order to be successful, they will need to take tough action: cold calling hundreds of businesses in order to be successful at prospecting MLM associates. The other, less strenuous method is generally not taught and most often overlooked – how to build an effective lead capture system complete with lead capture pages as well as other more highly converting methods that almost guarantee a successful outcome.

Many of these techniques were viable before the Internet and network marketing systems merged. Using the latest technology coupled with revamped systems tailored to use on the web, the new methods have revolutionized the industry making business opportunities easier to work and building teams a much less arduous task. All of the new technology and systems are there, but it takes a specialized training in order to take advantage of the new systems.

New marketers these days are combining MySpace, Facebook, Youtube and other programs into methods that allow them to contact MLM associates by the thousands. If you want to get new members, you are definitely playing the numbers game, but if you learn to use these methods, you’ll find that your numbers are going to skyrocket, only because you are able to reach more people with a single effort!

As long as you have the proper marketing education and training, you are going to find that you can take your business to the next level easily. You’ll be in a place of complete abundance. Make sure that you have both the training and the technology to become the next network marketing success. This is something that is real, and within your reach!

Understanding Your Current Personal Finance Situation

It is important: understanding your current personal finance situation is something that every person needs to do. By understanding what is going on with your personal finances you will be able to better control them. This can be one of the best ways to avoid money problems and debt.

Getting started is the hardest part. It can seem almost impossible to figure out where to begin when tackling finance issues. The best place to start is to simply look at expenses and income.

As the staples of a good budget, something every person should have, expenses and income are the main financial issues a person needs to understand. To begin you should gather all the relevant information. You may want to get bills, pay stubs and anything else that could help you list out your expenses and income.

The first thing to do is to track your daily expenses. This includes eating out, shopping and gasoline. You want to include these on your expenses list. You may need to gather receipts or actually keep a log for a week to be able to come up with an accurate account of your daily expenses.

Write out a list of expenses and then write out your list of income. At this point you should concern yourself with ensuring everything is listed. If your expenses or income vary then try to get a good average. You should have expenses separated into daily expenses and monthly expenses so you can see where your money is really going. Plus this will help when you go to budget your money.

Now you can begin to look at your debt. You should make out a list of your creditors. Your list should include the creditors contact information, the balance of your debt and the interest rate.

Now you should look at your personal finance accounts. This includes things like checking, savings and stocks. You want to list them all, including their current value or balance.

After going through your expenses, income, debt and personal finance accounts you should have a fairly good idea of where your personal finance matters stand. This should be a great platform for you to build upon to get your personal finances in good order. From this information you should be able to create a budget, get debt under control and best manage your personal finance accounts. You should be able to get the big picture about your personal finance situation and to understand it completely.

How To Find Top Financial Services

Finding top financial services may sometimes feel like a daunting task. When it comes to your money, you want to be sure that you’re working with a company or an individual that you trust. There’s nothing worse than realizing that you’ve been placing your money in the wrong hands. Since there are many different types of financial services, there are many ways to find the top financial services. Before you start looking, you should educate yourself on the area of financial services that you are looking for. If you can figure out what you should be looking for it will be easier to find it. Self education is the best step that you can take in your own financial management.One of the most important types of financial services that most people will use is their bank or credit union. Since a bank or credit union will provide a wide variety of services, from checking and savings accounts to loans, it makes sense to take some time to choose the right institution for your needs. A lot of people choose their bank based on their commercials or a small piece of the puzzle, like free checking.For an accurate review of the aspects of a particular bank, you can search online for reviews. People aren’t afraid to share their opinions on a bank that has mismanaged their money. These days, thanks to the internet, you can see how a bank really treats its customers and make an informed decision.A good resource for evaluating your financial services options is This website has detailed information on the interest rates of checking and savings accounts from a variety of different banks. It’s also a good place to find out about mortgage loans, auto loans, CDs, investments and credit cards. You can use this resource to thoroughly investigate your options before making a decision. It will make it easy to find the top financial services.Besides banks, loans and investments, there are many other types of financial services. If you are going to be investing in the stock market, you’ll need a broker. If you want an expert to do your taxes, you’ll need an accountant. Some people even opt to talk with a financial advisor to help them with a wide variety of financial needs.These types of professionals can be found in your local community or online. Since they work directly with you and your money, you’ll want to take some time to find the right option for you. The best way to start finding these types of financial service professionals is to ask for referrals. Talk to your friends an family about what you are looking for. Many of them may use the type of financial professional that you are looking for.In addition to referrals, you can also use the Better Business Bureau’s website to find reputable professionals in your area. If a company or individual professional has complaints against them, the BBB’s website will let you know. The site is located at It is a fast and easy way to find top financial services in your area.

Menopause – Defination, Causes, Symptoms And Treatment

Menopause is the physiological cessation of menstrual cycles associated with advancing age in women. Menopause is defined as absence of menstrual periods for 12 months. The menopausal transition starts with varying menstrual cycle length and ends with the final menstrual period. Perimenopause means “around the time of menopause.” It is not officially a medical term, but is sometimes used to explain certain aspects of the menopause transition in lay terms. Many women experience a variety of symptoms as a result of the hormonal changes associated with the transition through menopause. Postmenopause is the entire period of time that comes after the last menstrual period. The menopause is sometimes referred to as change of life or climacteric.

The condition also exists in some of the other species that experience such cycles, such as rhesus monkeys and some cetaceans. Menopause is a natural biological process, not a medical illness. Several generations ago, few women lived beyond menopause. Today, you may spend as much as half of your life after menopause. Menopause affects every woman differently. Your only symptom may be your period stopping. You may have other symptoms, too. Many symptoms at this time of life are because of you Menopause is a natural process that happens to every woman as she grows older, and is not a medical problem, disease or illness.

Some women may have a hard time because of the changes in hormone levels during menopause. Premature menopause (or premature ovarian failure) is defined as menopause occurring before the age of 40; it occurs in 1% of women. Other causes of premature menopause include autoimmune disorders, thyroid disease, and diabetes mellitus. Menopause experiences are different among individual women, and also among women in different cultures and in different parts of the world. There are many possible signs of menopause and each woman feels them differently. Most women have no or few menopausal symptoms while some women have many moderate or severe symptoms include is weight gain; hot flashes; insomnia; night sweats; vaginal dryness; joint pain; fatigue and urinary tract infections.

Causes of Menopause



Symptoms of Menopause

1.Weight gain.

2.Hot flashes.


4.Night sweats.

5.Vaginal dryness.

6.Joint pain.


Treatment of Menopause

Take estrogen replacement therapy (ERT) or hormone replacement therapy (HRT), which is a combination of estrogen and progesterone, should be an individualized choice. There are three (3) types of replacement therapy:1. Estrogen alone via a pill (Premarin, Ogen, Estrace or ethinyl estradiol), a cream (Premarin or Dienestrol), a vaginal pill (Vagifem), or as a transdermal or skin patch (Estraderm or Estracomb). 2. Cyclical therapy: Estrogen taken daily via a pill or via a patch and a separate progesterone pill (such as Provera) for a certain number of days per month. 3. Continuous therapy: Estrogen plus low dose progesterone in one or two pills taken every day.

Estrogen vaginal tablets and creams are generally prescribed nightly for 2 weeks, and then reduced to twice per week as a long-term “maintenance therapy.” Phytoestrogens are found in soy products (e.g., tofu, tempeh, miso, soybean milk, and meat substitutes and soy powders for adding to foods or to smoothies), in linseed (flaxseed) products, and to a lesser extent, in fruits, vegetables, cereals, and seeds. Concentrated plant estrogens in tablet form have not been shown to be effective. Regular exercise also has benefits for other parts of the body, high blood pressure, and diabetes, as well as gives you more energy and better sleep. Herbal medicine has much to offer women in the treatment of symptoms associated with menopause.

Five Home Improvement Tips To Help You Transform Your House Into A Stylish Home

When deciding to transform your house into a stylish home, you can use different approaches to the various parts of the house in order to minimize your renovation costs.

- The Interior Design Approach

1. One approach that you can employ is by focusing your renovation design towards your staircase. You can change the design of your staircase to make it appear more cozy and modern or use wooden materials with carving designs to have a more traditional and yet stylish look. Redesigning your staircase would also depend on which part of your house, it is located.

2. Once you have redesigned your staircase, the part of the house where it is located should also follow to match with it. If it’s in the living room, then the living room should be redesigned as well. In renovating your living room, you can repaint the walls to match the color of your staircase railings. If the railings are made of wood, then it would best to have a wall paint colored beige or other variants of earth colors. If you still prefer a light colored wall, you can repaint the base of the wall with a darker tone of brown.

3. Aside from transforming the staircase or the ceiling you may also redesign the flooring of your house. A quick and easy way of doing this is by replacing your old flooring with laminate floorings. You can choose from the variety of materials that are used for laminate flooring. For example, if your theme is the more traditional look, then you may use the laminate flooring which resembles wooden parquet flooring. If you are looking for a more environmentally sound floor, then one of the incredibly stylish and durable bamboo flooring options currently on the market may well be a better choice.

- Transforming by Changing the Furniture

4. If renovating the entire interior of the house is too costly for your budget, you may opt to buy new furniture to replace those old and tired looking pieces that are an eyesore. You can purchase new designs of living room sofas with matching sleek and modern center and side tables. 5. You can also purchase a made to order bar if your living room has more space to accommodate this. A living room bar adds excitement and style to any boring traditionally styled living rooms.

So there you have it, five simple yet extremely effective tips for transforming your house into a stylish home. Have fun!

Home Theater Furniture Buying Tips

No home theater would be truly complete without home theater furniture. It is usually the last element that homeowners consider in setting up a home theater but having the right pieces of furniture is essential to the entire viewing experience. Below are some pointers on what home theater furniture you will need and how to pick them.

An entertainment stand should be first on your list of home theater furniture. This is very useful for those who have limited space because it provides a single space where you can put your television, sound system and DVD player. If you do have the space, then you can opt for separate cabinets for the stereo or for the television, for instance. However, just make sure to pick out home theater furniture that go well together and that fits with the look of your home.

The next essential home theater furniture that you should consider has to do with seating.
There are so many options when it comes to couches and chairs so you should be able to find one that will suit your taste and that will fit certain requirements such as space, the number of people you want to accommodate and, of course, comfort. An important thing to consider when choosing the seats is whether the room is a dedicated home theater or not, in which case you would need to choose seats or home theater furniture, in general, that will fit the other purpose of the room.

If you are fortunate to have a separate room just for a home theater, then you are free to choose seats much like you would see in regular movie theaters with beverage holders even, only more comfortable. There are loungers with spacious armrests and gliding footrests, too. If your budget allows it, you can consider other home theater furniture aside from cabinets and seating to enhance your home movie watching experience further such as a popcorn machine or a snack bar. These add-ons will surely make your viewing more pleasurable.

Home theaters are growing in popularity and so manufacturers are coming out with so many options for the customer, which also means that prices of home theater furniture have become more affordable. Just remember to shop around compare before making a purchase. Try to survey as many furniture stores as possible, including online stores, so you can compare prices of different home theater furniture and get the best deal.

Investment And Financial Planning

On a general man to man basis Financial Planning is of more importance when compared to investment planning. If a man fails to save money, then where is he going to make the investment from? It is here that the need to emphasize on a strong financial plan comes to play. Financial planning is on a larger scale compared to Investment planning. Where investment planning is individual oriented, financial planning takes into account the needs of the individual and family. Financial planning is the process of assessing the financial goals of an individual at different junctures of his life. It takes into account all assets and investments that he already has and what others he may require to achieve his financial goals in the near future. The prime objective here is to ensure that the required amount of money is there with him at the time of an investment, thereby enabling him to meet his personal goals. This is how financial planning and investment planning relate to each other. Coming to the investment part, security along with profit is a big question?
Any investment depicts a clear picture of your current financial situation. Bifurcate your investments amongst various assets to reduce the risk factor. Asset Allocation is the best way to ensure that a particular investment made is a success. Monitoring your investment to maintain the allocation with your financial goals makes the investment tax efficient.

Following are certain points as to how one can better their investment and financial planning:

Investment Planning:

1) Create a Budget for Monthly Expenses: This enables you to get a clear picture as to where your expenses lie and how much unnecessary expenditure you could curtail to save a decent percentage of your income.

2) Paying of Debts: Once you clear of your debts, a certain amount of your expenditure is saved. This can be used for investment purposes.

3) Emergency Savings: Emergencies do arrive unannounced. One has to ensure that a certain amount is kept aside to meet these situations. These funds should be invested or kept aside to meet these situations. These funds should be invested or kept aside in investments that can be accessed anytime you need cash.

4) Investing in Long term Assets: Investing in long term Assets is a good decision. Purchasing a house is considered to be a good investment as payments towards interest and real estate taxes are tax deductible. Secondly the value of property increases with time. Other then this investing wisely in Mutual Funds, stocks and insurance will provide you with a good return on your investment.

Financial Planning:

1)Using a monthly spending plan or budget to keep finances on track
2)Making decisions about the job and its benefits
3)Getting the most out of other financial resources, including insurance and employer provided benefits.
4)Saving and investing money
5)Controlling expenses and staying out of debt.
6)Planning for estate transfer.

Generally people enlist the services of a financial planner prior to making any major investments. A financial planner is a professional who helps people deal with various personal financial issues through proper planning, which includes cash flow management, education planning, retirement planning, investment planning, risk management and insurance planning, tax planning, estate planning and business succession planning. While dealing with Mutual Fund Investments they are called �Fund

Video Games Becoming Addictive To Children

Parents, teachers, and adults are beginning to wonder with all the research being done on video games if children are not becoming obsessive even addictive to video games. Most of the research that has been complete have focused on video games that have more of a violent theme due to the behavior now appearing in children.

Researchers do feel that there is a connection between violent video games and violent behavior in children. It is felt that when these violent video games are played repeatedly then the children will have aggressive thoughts and become less helpful to others and less sociable as well. In video games where the goal is to kill as many characters as you possible can, then the objective turns into the violent the kills are the more points that they will collect. While a child is playing such a game ninety-nine percent of the time their heart rate will increase dramatically due to the affect the game is having on them.

A study was done by three teenagers and was put on observation at an International Science and Engineering Fair in Cleveland, Ohio that showed how video games affected children who played them. The study showed that people, not only children, or all ages had a rise in blood pressure and heart rate after they played a super violent video game. However, when the same person played a nonviolent video game did not have the the same effect as the violent video game.

Children all over the world play these violent video games every day and some play for more than three or four hours a day. There will always be a debate as to whether violent video games can actually make an individual have behavior that is of an aggressive and violent nature, but the fact is that these video games are addictive to children. It is true that playing video games can help children develop their visual skills while learning about computers, which may help them in school. In fact, studies are now showing that video games can be helpful for children.

The fact is that video games are proving to help children that labeled ADD or ADHD learn how to focus their attention. Video games are often innocent bystanders to the problems in society. Video games have the potential to inspire children to learn if it is presented in the right manner to children. Video games have already proven to have the capability of improving the coordination and visual skills of children that play them.

Children tend to choose video games that have the combination of being challenging, entertaining, and complicated. Many of these video games can take up to one hundred hours of play to complete and most children will have their concentration focused on the video game the entire time. Children that are labeled with ADD and ADHD by teachers are those children that can not sit still in school, but this might just be because they find the school work boring, because the majority of these children can spend hours trying to make it to the next level of a video game.

These same children, who professionals feel can not pay attention, can play a video game for ten straight hours if given the opportunity simply because the game focuses their attention in a way school is unable to try, which is interactive. These children are not simply sitting and watching, but are participating in what is going on and solving problems.