BAWB What You've Missed

Meetings in 2008

Thursday July 17, 2008

Speaker: Master Dealmaker; Peter Fortunato

TOPIC: The ART of the Deal

Good Deals are not found…Opportunities are located or locate you….Then good deals (Transactions) are constructed…

There are certain fundamental negotiating and investment techniques that are universal regardless of your location.

This month's featured speaker is Peter Fortunato. Nationally known as an expert in using Real Estate creatively coupled with "paper" to formulate profitable Real Estate Transactions for the buyer, seller, and investor.

Learn how to create profitable Transactions, Income and Wealth- often without cash, credit, or extensive connections.

Discover negotiating techniques and paperwork which make the numbers work and allow for deals to happen.

Visit with us and learn from one of the Masters on how to "Construct" Deals. Hear Pete's clear, patient explanations, and practical insights. You Do NOT want to miss this month's meeting, plan on being with us!

Taught for First Time in over a Decade on the West Coast! - Don't Miss this Opportunity to learn from the Master Dealmaker

Peter Fortunato's Real Estate Acquisition Techniques Class

Peter will present (2) two days of lecture and discussion, with case studies, regarding the acquisition and control of Real Property. Questions & Discussion are encouraged!

PRE - REGISTER TODAY for the Upcoming BAWB sponsored
FULL DAY WORKSHOP - Saturday & Sunday October 11-12

For more information on this fabulous workshop event please CLICK HERE!

Thursday June 19, 2008

Speaker:

Author, investor, educator,
Michael Morrongiello

TOPIC:

"Paper" into Cash - The Convertible Currency

How to Manufacture Your Own Financing

Don't just survive the credit crunch - THRIVE during changing market cycles!

Discover how to effectively create marketable real estate-secured Notes that can be easily and readily converted into a cash lump sum. With the real estate markets softening, Wall Street no longer buying certain loans, and qualifying criteria becoming more stringent - with the right knowledge, you can fill the void in the marketplace by offering seller financing for both the acquisition and disposition of properties.

What is Seller Carryback financing?

When a property seller assists the buyer by acting as the lender, the property seller may finance part or all of the sale. The term given to such seller financing is "carryback financing." A seller is literally carrying back part or all of the financing on the property instead of a financial institution.
In today's tight credit Market; Seller carryback financing is vital to a successful sales program. It is so important that if more property sellers, their agents, buyers, and Real Estate Investors understood the principles of seller carryback financing, more real estate activity would be generated across the country than with any other marketing tool!

A Few Advantages of Seller Carryback Financing:

It makes a listing more salable.

It provides the seller with an interest return (yield) on their note that exceeds savings accounts, CD's and money market accounts.

The seller carryback note(s) can be an extremely safe investment.

The seller carryback note(s) can be made salable, should the holder need cash in the future.

At this Meeting you will learn About;

Understanding "Paper" - WHY use seller financing to buy or sell
Different types of security instruments which can be used
Relationship between PRICE vs. TERMS
Wrap's -- Your Multi Purpose Financing Tool
Magnifying yield & capturing amortization
Deal Structuring tips, tricks, and techniques
Using other collateral
The some NOW, some LATER concept
Generating solutions and how to profit with "paper"

* The type of notes preferred by "paper" investors or note buyers. Owner-occupied homes are the most desirable. History has proven them the most stable. Notes secured by land usually have the greatest risk.

* Real estate values fluctuate both up and down over time, even in good areas. Why a note holder's best protection against loss is protective equity established at the time he acquires a note. An owner with a substantial equity who is paying on a note will be motivated to protect his/her equity position.

Some Terms & Concepts to become familiar with:

Your Financial Calculator:

TIME: Expressed in months or years (Calculator symbol = N)

INTEREST: The rate of interest or yield desired usually expressed per month or per year (Calculator symbol = I). The annual interest rate must be divided by the number of payments that the note requires during the year. Monthly + by 12, Quarterly + by 4, semi-annually + by 2, etc.

PRESENT VALUE: The dollar value today of dollars to be received in the future. (PV is the symbol.)

PAYMENT: The amount of money paid periodically on the note. In the above example, payment includes principal and interest. (Payment is the PMT symbol on a financial calculator.)

FUTURE VALUE: As a seller carried back of a note to be fully amortized over 10 years, the future value (FV on the financial calculator) would be zero. However, suppose a note has a future balloon payment due before it fully amortizes. If you are solving for PV, you must first calculate the amount of the balloon or the Future Value (FV) before you can calculate or solve for the discounted PV value.

More Terms

PROTECTIVE EQUITY: Is the current market value of the property less the total debt on the property. It is the sellers' or lenders' cushion against possible loss. The larger the protective equity, the more protection for the lender. Note: Having substantial protective equity is the best way to take back a mortgage without being taken.

LOAN-TO-VALUE (LTV) ratio is the amount of debt on a property expressed as a percentage of the Fair Market Value (FMV) of the property. Example: A property valued at $100,000 has a first loan of $50,000 and a second loan of $20,000. The $70,000 total debt divided by the $100,000 Fair Market Value (FMV) = 70% LTV. The lower the loan-to-value ratio, the more equity an owner has. For example, with only $50,000 debt, the same property would have a LTV ratio of 50%.

About the Speaker:

Michael T. Morrongiello is an active investor who specializes in Real Estate & Real Estate "Paper" investments. Widely known as having one of the most knowledgeable and creative minds in the paper business, Michael started creating paper as a result of his own Real Estate investment activities in the early 1980s. He has bought, sold or held for investment multiple properties in several states as well as thousands of real estate-secured mortgages. He has creatively used seller financed mortgages to secure all types of residential properties, apartments, mobile home parks, office buildings, development land, businesses, and commercial properties in every state in the Union from Alaska to Hawaii and Florida to California. His tips, tricks, and traps articles often appear in industry publications.

Thursday May 15th, 2008

Speaker: Marko Rubel

Topic:
"How to make $20,000 to $50,000 per month Buying Houses Part Time"

Take Advantage of the Tidal Wave of Opportunities that currently exist and will continue through this market "correction"

Don't Miss this opportunity to listen and learn what is working for Marko under today's market conditions

Join the growing number of groups and members around the country who are embracing a fascinating personal story as well as an original voice the real estate investing field. When Marko comes to speak for your group, you will learn to:

How to Dominate the Foreclosure market more efficiently
Learn to automate your Direct Mail program and Skip-Tracing
How to find REAL motivated sellers consistently
How to better analyze deals for greater profits
How to move quickly and efficiently to formulate offers, tie up the deal, and then get it closed
And much, much more-you don't want to miss this meeting.

In over 5 years as a full time investor, Marko has completed several hundred highly profitable transactions. Last year alone his automated business produced over $1,000,000 in profits.

Marko contributes his success to Marketing and Automating how he runs his business. He will reveal one of his secret automation tools that allowed him to systemize his operation. This proven system alone was responsible for doubling his profits and cutting his active involvement down to only several hours per deal!

This eye-opening presentation will blow you away! Marko will teach you why setting up a "Motivated Seller Attraction System" and a "Lazy Man's Back Office System" is the key to doubling profits and at the same time tripling your free time! You don't want to miss it!

Don't let your competition get there first!

Thursday April 17th, 2008

Speaker: Richard Desich - Equity Trust Company

Topic:
Accelerating Wealth with Self-Directed IRAs

Self-Directed IRAs for the Real Estate Investor:
Your Knowledge + Your Expertise = Your Profits… Earned Tax Free with the use of government sponsored retirement plans.

One of the greatest (and least known) tools available to real estate investors are government sponsored retirement plans. Most real estate investors believe that their only IRA investment options are bank CDs or the stock market. Very few realize that they have the option to truly self direct their IRAs in areas where they have knowledge and expertise such as real estate.

Choosing the right self directed custodian
A review of your retirement plan Options
Creative and high yielding Investment Options- Real Estate, Notes, Options, Private Placements and much more…
Rules and Regulations/Prohibited Transactions
How to Create Tax-Free income for life
Plenty of Questions and answers

About our Speaker- Who is Richard Desich?

Richard Desich

As a Vice President of Equity Trust Company, Richard Desich Jr. is a nationally recognized, pre-eminent authority on non-traditional investing in IRAs and qualified plans. An experienced real estate investor, Rich holds Series 7, 24, 55 and 63 licenses with the NASD. A graduate of Ohio State University, he joined Equity Trust in 1998, and now travels throughout the country educating numerous investor associations and groups each year on the advantages of self-directed real estate IRAs. Rich has been quoted in prestigious financial publications including the Wall Street Journal and Investor's Business Daily, and investors of all levels and experience benefit from his expertise.

About Equity Trust Company

With more than 32 years experience, Equity Trust Company is a leading custodial provider of self-directed IRAs and small business retirement plans. Clients benefit from our extensive expertise, dedication and customer-focused support in providing truly self-directed IRAs, and our clients increase financial wealth by investing in variety of opportunities from real estate and private placements to stocks and bonds. Equity Trust Company manages more than 30,000 accounts for clients in all 50 states.

SPECIAL WORKSHOP EVENT:
Tax-Free Wealth Seminar
Stop Paying Taxes On Real Estate and Other Non-Traditional Investments Today!

When: Saturday April 19th 2008

Where:
Embassy Suites
South San Francisco Airport
250 Gateway Blvd.
San Francisco, CA 94080
# 650-589-3400

Time: 9 Am to 4 Pm - check in begins 8:30 am

For more information on this workshop, please click here

March 20th, 2008

Speaker: author, investor, educator; John Schaub

Topic:
Creating Wealth During Uncertain Times

Don't miss the wonderful opportunity to listen and learn from John Schaub

* Buying from sellers and lenders who are in trouble

* Using Investor money for your down payments

* Structuring financing that gives you the cash flow

* Buying property with the greatest profit potential

* Attracting and keeping the best tenants in your town.

* Selling quickly at market prices in a soft market

About John Schaub:

John has survived eight Presidents and prospered for 30 years as a landlord. He authored the original single family house seminar in 1976 which launched thousands on their way to successful investing. He is still an active buyer and engaged in managing his business and investments, when not traveling with his family, or building homes for Habitat for Humanity.

John is a reformed "Big Deal" guy, who discovered that most of the big talkers had small bank balances. John stresses keeping it simple. He talks only about what he has done and what has worked and sometimes not worked for him. John spends nearly all of his working time making deals and managing his properties. He teaches only three seminars a year.

He stresses buying better, well located houses as opposed to less expensive houses or other income properties. Better houses are much more profitable and far less trouble. He advocates paying off debt, owning properties free and clear and maximizing cash flow by only buying properties with larger profit potential, financed so they produce immediate cash flow.

John graduated in 1970 from the University of Florida College of Business, was an active Realtor for 10 years and served as President of both the Sarasota and Florida Real Estate Exchangers. He is listed in the Hall of Fame of Who's Who in Creative Real Estate, featured on the cover of Personal Finance magazine and was recently quoted in Forbes.

He is an advocate for privately owned affordable housing. He served 7 years on the International Board of Habitat for Humanity and has served four terms as President of the Sarasota Habitat Affiliate and served 17 years on their board.

John's wife Valerie, a real estate attorney, and their three perfect children enjoy skiing, boating, diving, horseback riding, and touring the country in John's plane. John is an instrument rated pilot and has been flying his own plane since 1973.

IMPORTANT WORKSHOP DATE CHANGE

The John Schaub WORKSHOP event has been changed to a new date from Sat. 3-22-2008 to the NEW date of Saturday 3-29-2008 - same times, same location.

PRE- REGISTER TODAY for John Schaub's
Full Day Sat. 3-29-2008 Workshop Event

Creating Wealth During Uncertain Times

Time: 9 Am to 4 Pm

When: Saturday March 29

South San Francisco Conference Center
Near SFO

This will be a powerful information filled event you simply must attend.

* Special Bonus Material to also be presented by Michael Morrongiello on using alternative & creative financing techniques

Seating is VERY limited! - Don't Wait - Pre-Register Today!

For a workshop brochure, registration form and more information click here

February 21st, 2008

Speaker: Jay P. DeCima a/k/a "Fixer Jay"

Topic:
Investing in small Mixed use and Multi Unit properties

About our Speaker:
Author of the fabulous "Making BIG Money Fixing Ugly Houses" book and "Trade Secrets" newsletter we distribute to all new BAWB members as part of their membership package Jay will discuss a topic he knows very well. How to invest in and make money with smaller mixed use and Multi unit rental investment properties.

Don't miss this opportunity to listen and learn from this seasoned "Old Timer" and the wisdom he shares with Real Estate investors around the country.

Jay P. DeCima, known to many as "Fixer Jay", is a seasoned real estate investor with more than 40 years of hands on experience; nearly half that time has been devoted to Jay's specialty - fixing-up rundown houses and adding value. In 1980, Jay quit his 23K-year telephone job to pursue real estate investing full time. Today, Jay is widely regarded as the undisputed king of fixer-upper houses on the national teaching circuit. He spends a great deal of his time overseeing his 200 house empire in Redding, California, and writing about his experiences.

Since Jay's favorite recreation is the same as his day to day activities. He always enjoys sharing his knowledge with the various investor clubs around the country.

If you wish to get your book autographed - bring it to the meeting.

January 17th 2008 Meeting

A (2) Two Part Information filled Program you do not want to miss!

The Campbell Method: A Proven Timing System that Tells You EXACTLY When to Buy and Sell Real Estate to Make Maximum Profits!
&
The Mortgage Meltdown Freeze = Fraud

Part 1 – San Mateo, CA Attorney, freelance writer;

Sean Olender

MORTGAGE MELTDOWN
Interest rate 'freeze' - the real story is fraud
Bankers pay lip service to families while scurrying to avert suits, prison

Excerpt:
…unfortunately, the "freeze" is just another fraud - and like the other bailout proposals, it has nothing to do with U.S. house prices, with "working families," keeping people in their homes or any of that nonsense.

The sole goal of the freeze is to prevent owners of mortgage-backed securities, many of them foreigners, from suing U.S. banks and forcing them to buy back worthless mortgage securities at face value - right now almost 10 times their market worth.

The ticking time bomb in the U.S. banking system is not resetting subprime mortgage rates. The real problem is the contractual ability of investors in mortgage bonds to require banks to buy back the loans at face value if there was fraud in the origination process.

And, to be sure, fraud is everywhere. It's in the loan application documents, and it's in the appraisals. There are e-mails and memos floating around showing that many people in banks, investment banks and appraisal companies - all the way up to senior management - knew about it.

To read the rest of this insightful article go to:

www.sfgate.com/cgi-bin/article.cgi?file=/c/a/2007/12/09/IN5BTNJ2V.DTL

Part 2 – Author of Timing the Real Estate Market, Statistician, & Investor;

Robert Campbell

The Campbell Method: A Proven Timing
System that Tells You EXACTLY When to Buy
and Sell Real Estate to Make Maximum Profits!

"Is now a good time to buy ...
or should I wait?"

"Should I sell now ...
or will housing prices go even higher?"

Dear Real Estate Investor:

Imagine for a moment how you would feel if you could predict major turning points in the real estate market.

Suppose somebody handed you a 21-year time-tested system that would tell you ahead of time when property values were going to hit a peak … and then when prices were going to hit bottom years later.

If you could anticipate these kinds of critical real estate events in advance … then not only could you make spectacular profits, but you could protect your money as well.

Sounds pretty amazing, doesn't it?

Actually, it's not. The real estate market does signal its future intentions if you know where to look.

Hello. My name is Robert Campbell and I wrote Timing the Real Estate Market to help both professionals and ordinary people make the most money in real estate with the least amount of risk. Based on a major breakthrough in tracking and predicting real estate trends, my book reveals the real estate timing technique that I call The Campbell Method.

As far as I know, The Campbell Method is the only proven method in the world that shows how to accurately anticipate upcoming changes in your local real estate market.

What this means is that when you read Timing the Real Estate Market, you are going to learn how to make – and protect – your fortune in real estate in the same way that J. Paul Getty, the Rockefellers, Warren Buffett, and other super-rich investors made their fortunes: by focusing on WHEN to buy and sell.

It’s true. When it comes to making money in real estate, nothing beats good timing.

The reason that The Campbell Method is going to change the way you think about how to buy and sell real estate is that I share my truly remarkable discovery of five key real estate indicators. I call them “Vital Signs," and they're able to predict the peaks and valleys of real estate cycles with an almost uncanny accuracy. As “leading indicators” to what’s looming on the horizon for real estate prices, these Vital Sign indicators act like windows into the future, giving you advance notice of approaching trend changes from three to six months before they become obvious to the general public.

Author's Note: Timing the Real Estate Market is used at the University of San Diego by Professor Elaine Worzala. The class: Real Estate Investment. "The logic behind these Vital Sign indicators is air-tight," says Professor Worzala. "I'm very impressed, and my students love your book."

Copies of Timing the Real Estate Market will be available for purchase and autograph by Robert Campbell at the meeting.

Workshops in 2008

Saturday April 19th 2008

SPECIAL WORKSHOP EVENT:
Tax-Free Wealth Seminar
Stop Paying Taxes On Real Estate and Other Non-Traditional Investments Today!

Equity Trust Company's Tax-Free Wealth Seminar is coming to the SF Bay Area to educate you on how limited investment options and taxes that drain profits can be problems of the past...

Where:
Embassy Suites
South San Francisco Airport
250 Gateway Blvd.
San Francisco, CA 94080
# 650-589-3400

Time: 9 Am to 4 Pm - check in begins 8:30am

One of the nation's leading custodian for self-directed IRAs, details the amazing benefits that self-directed IRAs can provide you today and in the future. This day-long event showcases the power and astounding growth potential of self-directed IRAs and below is some of what you'll learn:

· Quick turn real estate and Note deals TAX-FREE
· Raise millions of dollars hassle-free to fund your deals
· Compound your profits TAX-FREE for over 100 years
· Make your children or grandchildren millionaires

Sign-up Today! It's easy, just click below to obtain the workshop registration form, fill it out and mail or fax it in.

The Pre-registration deadline expires Tuesday April 15th 2008

If you pre-register in advance, your cost is just $99 per person, $149 per couple.

After the deadline and on a space available basis at the door the cost will be $199 per person or $249 per couple-no exceptions

FREE Bonuses available only to you but only if you PRE-REGISTER!

Sign up in advance and receive $410 worth of fabulous educational products including:

* Two FREE months of Investor Insights - a private teleconference with Dick Desich held the 1st Wednesday of each month- a $300 value.

* Dick Desich's book, "Proven Wealth Building Secrets for You and Your Children"
-a $50 value.

* Dick Desich's lease option report
- $20 value.

* Equity Trust's guide to "Stop Paying Taxes to Your Real Estate Profits Today!"
- a $40 value.

The FREE Bonuses are yours but you must PRE-Register BEFORE the deadline date!

Don't Miss This Incredible Opportunity To Learn From A Nationally Recognized Expert!

For a workshop brochure, registration form and more information click here

March 29, 2008

PRE- REGISTER TODAY for John Schaub's
Full Day Sat. 3-29-2008 Workshop Event

Creating Wealth During Uncertain Times

Time: 9 Am to 4 Pm

When: Saturday March 29

South San Francisco Conference Center
Near SFO

This will be a powerful information filled event you simply must attend.

* Special Bonus Material to also be presented by Michael Morrongiello on using alternative & creative financing techniques

Seating is VERY limited! - Don't Wait - Pre-Register Today!

For a workshop brochure, registration form and more information click here

Meetings in 2007

Thursday November 15th, 2007

Topic:
How to Profit from the Coming Wave of Bank Foreclosures

Speaker:
Author, Investor, Mortgage Counselor; Steve Dexter

How Much, How Many, How Quick Will They Come?

Fact: 40% of all national loan purchases had marginal subprime or Alt -A- Loans. One in 5 will default

Fact: 2.2 Million foreclosures nationwide are forecast in the next two years

Fact: Bank foreclosures in California have exploded FIVE-FOLD in 2007 for one major lender!

Find out about:

I. The Subprime Contagious Effect
II. The People and the Areas most likely to get hit
III. How long will this downturn last?
IV. What lenders, builders and realtors are most likely to get hit ---Where the present state of the real estate markets is and where it is likely to go
V. How the Subprime Contagious effect will effect the real estate industry and the larger overall US economy
VI. To homeowners in trouble---How to talk to the people in loss mitigation if you are in foreclosure
VII. To investors seeking to profit----How to find asset managers in the REO departments and establish relationships with top producing bank brokers

Don't Miss Your Chance to Profit!
Tremendous Fortunes Will Be Made in the Coming Years

About Steve Dexter:

Distinguished speaker at Harvard Business School, Law School and the Graduate School of Design
Owner and manager of 27 investment properties located in California and around the country
President of National Capital Funding since 1997. Since 1990, Dexter has personally funded over 500 million dollars and does many loans for homeowners and investors in Southern California and across the country
Author of the book "Real Estate Debt Can Make Can Make You Rich" published by McGraw-Hill available at local bookstores
His newest book "How to Ride the Coming Wave of Bank Foreclosures" is due out Spring 2008
Member of The National Association of Real Estate Editors, a professional group of authors and major newspaper journalists who write about the national real estate market.
Mentor to hundreds of investors across the country
Teacher of two popular college seminars in investing and real estate finance at colleges across Southern California
Writer of a free bi-monthly E-Newsletter, "Economic News You Can Use"
He writes articles for several national real estate journals

A Two Part Program - Short Sale Secrets in the Changing Market & Power Negotiating Techniques

Part 1 - Short Sale Secrets in the Changing Market

Building Your Case - Learn how to find deals, quickly and properly put together your submission packages with the banks, have the crucial conversation that will make or break your deal, how to pin down loss mitigation, how to handle the lenders property inspection, getting the deed, and more.

Additional Closing Arguments - When the bank says no, there is still work to do. How to place your second and third offer, how to delay the foreclosure, how to give the homeowners some money, what about bankruptcy, 1099's and deficiency judgments, etc.

About Dwan Bent Twyford
Dwan Bent-Twyford, the Queen of Foreclosures, is a distinguished author, motivating national speaker, and incredible teacher. She has published a home study course, Financial Freedom Through Foreclosures, that will teach you every aspect of the exciting foreclosure world….in detail! In a world dominated by men, this amazing woman has certainly made her mark wholesaling, short saling, buying, rehabbing, and successfully selling real estate for over a decade.

Her niche is finding foreclosures with no equity, negotiating with the banks to accept less than what is owed, thus creating a "Short Sale." Over the last several years she has developed a hugely successful "Short Sale" system that has earned her and her students hundreds of thousands of dollars. She wants to share that knowledge with you. Her goal is simple…to teach you how to become a "super investor" using her proven techniques, strategies, and concepts.

Bill Twyford has been buying foreclosures for almost a decade. In his first year as an investor, he sold eighty properties. The money was ten times better than any commission he had earned, so he made the switch from agent to investor, and his career took off. To date he has sold well over 800 properties.

Bill is successful because he has learned the art of proper communication. The difference between earning good money and great money is the way you speak.

Bill Twyford will touch on some of the scripts, objection handlers, and persuasive language patterns that will have banks and homeowners eating out of your hand. Once you learn these secrets, your income will go through the roof!

About Bill Twyford
Bill Twyford is a successful real estate investor with over 800 deals under his belt. In addition, he is a national speaker, author, motivator, and incredible teacher. He has taught thousands how to break down the communication barrier using his highly successful, one-of-a-kind concept: "Shut Up! and Stick To The Script!" and "The Secrets of Closing The Deal."

The key to success lies in your communication skills. Without them, you are like a fish out of water. He will teach you how to influence others using NLP (Neuro Linguistic Programming) geared especially for real estate investors.

Dwan & Bill are to going to share an amazing Saturday with you. They specialize in every aspect of investing from finding deals to short sales to bankruptcy to rehabbing to super negotiating, all with great success. They believe if you have the right scripts and use the right tools you'll be successful in this exciting business. Don't miss the chance to spend an entire day with this exciting couple.

For more information about the workshop, a printable workshop flyer, and registration form please click here.

Every hopeful real estate investor wants to make money in real estate. This is why people buy books and courses, take real estate seminars, and attend real estate investment club meetings.

The reality is that most people who want to make money in real estate investing don't make money in real estate investing. Why? It comes down to understanding the truth about making money.

The most successful real estate investors know how to make money because they understand that they are playing a game with specific money-making rules. Unsuccessful real estate investors are unsuccessful, precisely because they are playing with a different set of money rules. And this is where the game of Monopoly is significant. Too many real estate investors attempt to play the real estate game with Monopoly-like money rules.

Author, Internet Marketer, Consultant, Certified Guerrilla Marketing Coach, and longtime student of real estate investing.

Kalinda brings a teacher's perspective and experience to real estate education, particularly on the topic of making money.

Join us for an interactive, entertaining experience with an experienced teacher who will forever change the way you think about money and real estate investing.

Kalinda is the author of No Money Limits For Real Estate Investors, published by Morgan James Publishing and Co-Author of ebooks, Partner For Profits, and Owner Financing Made Easy. In her academic life, Kalinda earned B.A, B.S., M.Div., and Ph.D. degrees. Through her own transition from former Adjunct Professor and Lecturer at various schools of the Graduate Theological Union in Berkeley, CA, to entrepreneur, Kalinda is committed to teaching others what she learned the hard way about living life with "No Money Limits."

Copies of her wonderful book will be available at the meeting and can be autographed.

(Please read all the way down for info about the upcoming
do not miss Jack Miller & John Schaub Blockbuster Workshop Event)

Don't miss this once in a blue moon opportunity to spend an evening with the incomparable Jack Miller.

Anyone can learn how to get rich, but there's a catch. You have to understand MONEY--Why people spend it? When? How. Where? For What? You have to understand how a little money, plus time, can create a fortune for anyone. Test yourself. Do you know someone who isn't particularly smart or talented or energetic who seems to have made a lot of money, or who owns a lot of property?

My name is Jack Miller. I've been a successful investor in single family houses for 45 years. I've bought, sold, leased, managed, built, exchanged, financed and owned several hundred properties. Real estate is the main source of both my income and accumulated assets, thus, I can speak from years of actual experience.

LET ME TELL YOU A LITTLE STORY...
Once upon a time I was 40 years old and out of work. I'd been an executive with a Fortune 500 company with specialized technical skills. Without warning, I suddenly became a casualty of a corporate downsizing. I had two teenagers at home and a mortgage. I'd placed my future into the hands of my employer and felt secure with a retirement plan which would provide enough money for a comfortable lifestyle, recreation and travel. Suddenly I was out of work.

MIDDLE-AGED, OUT OF WORK, AND BROKE
My assets consisted of experience for which there were no jobs and a real estate license I'd picked up just for fun. The only employment I could find was as a residential real estate salesman. Although I'd owned real rental houses previously, I knew nothing about real estate or financing and had never earned a living as a salesman before. I had to start from scratch to learn the business.
In the real estate market that prevailed then, there were lots of buyers, but no sellers. I had to learn ways to prospect for cash sale listings because unmotivated sellers would settle for nothing less. That involved developing innovative ways to qualify buyers so they could obtain financing for their home purchases. In the process of creating down payments, I had to devise supplemental income credits, decorating and landscaping allowances. In the process I discovered ways to use virtually anything they owned in trade as down payments to reduce the amount they had to borrow, and along with it, their monthly payments.

LEARNING HOW TO BUY AND SELL HOUSES FROM SCRATCH
Suddenly, just when I was beginning to learn how to make money in a competitive selling market, the economy flip flopped. The buyers all disappeared and the phones stopped ringing. In order to earn a living, I had to come up with creative ways to locate buyers for all the properties that eager sellers wanted to list with me. Even when I found a buyer, interest rates on mortgage money was often too expensive for them to be able to afford the purchase. Necessity forced me to innovate. I learned ways to "create paper" with which to close a deal. Leases and Options became basic building blocks for making deals. So did contracts.

BREAKTHROUGH! BUYING AND SELLING FOR MYSELF!
One day it occurred to me that rather than properties per se, what I was really selling were my negotiating and deal-making skills. Instead of listing properties for sale, I began focusing my efforts on increasing my income. I started by buying Options on houses, then "flipping my Options, selling them either for cash or terms depending upon the deal. When I controlled the property, I could make more sophisticated transactions. But this required me to develop better negotiating skills and closing techniques. In the process, I had to learn the ways that taxes affected a sale from both the buyer's and seller's points of view.
Some of the most powerful techniques I learned were based upon tax free exchanges and gifts. These benefited both buyer and seller at the expense of the tax collector. And I found ways to structure complex transactions which solved financial and tax problems for both buyers and sellers in order to earn bigger profits; far greater than might have been made simply earning commissions or merely "flipping options".

RETIREMENT AFTER ONLY 5 YEARS!
Finally things began to click. During one 153 week period, I closed one or more deals each week in the capacity of broker, buyer, seller, or Optionee. At the age of 45, a short five years after I first started selling real estate, I was able to close my office and retire to the good life with my wife, touring the country in my motorhome and traveling in Europe and Asia. Why am I telling you all this? Because the time is as ripe as I've seen it in almost 20 years for you to do it too. I'll even tell you how to do it. Read on . . .
You can only look at so many sunsets, catch so many fish, or play so many rounds of golf before retirement gets to be a job. As a bored retiree, I started making the rounds of community social clubs as a luncheon speaker telling others about my experiences. From this sprang the first seminar in the world oriented toward the single family house as an investment vehicle. For the person who wants to build wealth starting with little or nothing, the single family house still offers more possibilities than any other type of investment. But there's a catch: You've got to have an intense desire to be rich, and be willing to work hard to learn as many real estate insiders' fortune-building secrets as you can. I'll share these with you.

BIRTH OF A NATIONAL NEWSLETTER
I started as a speaker, then as a seminar educator of thousands of people, many of whom went on to start their own seminars. In 1978, I wrote the first issue of The Commonwealth Letters, the first ever monthly newsletter devoted to single family house investors. My objective was to provide readers with insights on how to achieve financial security over and above that provided by their career, regardless how successful. Since then, I've been able to help readers to consistently make money more than any other publication.

IT'S TIME TO MAKE A DECISION FOR YOUR FINANCIAL FUTURE
If you aren't 100% certain of your future financial security, it's time for you to make the decision to become financially independent. This will be an easy decision! Either you're happy with your lot in life or you're not! Either you've already provided for your family's financial security or you're willing to bet their lifestyle on your employer or the government. It's up to you to take action now before time passes you by.
Wouldn't you really rather control your financial future yourself? You can, as an entrepreneur in real estate. Thousands have done it before you starting with little cash or know-how. They didn't have the advantage of being coached by someone who's been where you are now, and gone where you want to go; someone who can make it happen a lot faster than you think possible if you take his advice. It's your choice...

BAWB is proud to co-sponsor a BRAND NEW Jack Miller / John Schaub Money Making Seminar.

The next wave of fortunes will soon be created in the greatest discount buying opportunities seen in years! Learn how to Cash-In on the Buying bonanza that lies ahead.

This is a No Fluff, Real World Educational Event from (2) two of the so called "Florida Fab Four" Millionaire Makers; Jack Miller and John Schaub. Join Jack and John in San Francisco and learn from two guys who have seen these markets before and know how to profit from them. They have been teaching how to make money with houses longer than anyone in the business and now they can teach you.

WHERE: South San Francisco Airport Conference Center
275 South Airport Blvd., South San Francisco, CA 94080

COST: $500.00 per person or if two (2) register together then $400.00 per person.

Garrett Sutton, Esq., is the bestselling author of Own Your Own Corporation, Real Estate Advantages, The ABC's of Getting Out of Debt, The ABC's of Writing Winning Business Plans and How to Buy and Sell a Business in Robert Kiyosaki's Rich Dad's Advisors series. Garret has over twenty-five years experience in assisting individuals and business to determine their appropriate corporate structure, limit their liability, protect their assets and advance their financial, personal and credit success goals.

The Need for Asset Protection: Every three seconds another American is sued. We live in the most litigious society on earth. Many claims are frivolous and without merit, brought only to harass and squeeze settlement dollars out of an innocent party. In this environment it is prudent to protect your assets ahead of time. Once you have been sued the courts disapprove of moving or protecting assets. With the proper asset protection planning you can shield your valuable business, real estate and investment assets from claims brought against you as an individual.

In this presentation you will learn how to protect yourself through the strategy of asset protection. Asset protection involves utilizing limited liability entities, such as corporations, LLCs and LPs, as well as certain trusts to minimize your personal exposure. As John D. Rockefeller said: "Own nothing and control everything." When a plaintiff's attorney is looking for people to sue you want your profile to be low. If during an asset search your name does not show up as an owner, but you control your assets through a mix of limited liability entities and trusts with privacy protections, you will gain protection.

The Right (and Wrong) Way to Protect Assets: There is a misperception that asset protection is only for the very rich. This is not true. Almost all asset protection strategies are very affordable to implement, especially when compared with the potential loss of a lifetime's worth wealth building. The problem arises when you implement a "poor man's asset protection" strategy. Using the right mix of entities is an important asset protection tool. In some cases a series of both Nevada and Wyoming entities (LLCs, LPs and Corporations) can be used to implement an effective asset protection strategy. However, there is no one size fits all approach that works. You will learn that not every entity is appropriate for every situation. Deciding when and how to use a C corporation, S corporation, limited liability company or limited partnership, or a combination thereof, is an important consideration. Knowing how these entities can strategically work together to protect your assets, as well as how to maintain the limited liability protections, is also very important

The best way to approach asset protection is to do it early (before you are aware of a lawsuit or get involved in any business or investing activity) and do it right.

Garrett Sutton, attorney, best-selling author and Robert Kiyosaki's corporate advisor in the Rich Dad/Poor Dad series, is the founder of the Sutton Law Center. The firm assists individuals and businesses from around the world with asset protection, estate planning, trademark and corporate strategies. Sutton Law Center PC's attorneys provide the legal and planning opportunities for personal, business and real estate wealth building.

Jack is an engineering graduate of University of Illinois and has done post-graduate studies in business and marketing. He has taught courses to MBA students, investors, CPAs and attorneys. He buys, sells, and finances houses and also operates a national 1031 Exchange Facilitator business. He deals in discounted paper a