Hope everyone is having a great holiday season. If anyone is looking
for real estate in Nevada, especially Las Vegas Metro Area, please
email me at donsellsvegas@.... From Land,Condos, High Rise Condos
(Trump, Hard Rock, ETC.), Homes, Commercial, Retail, Hotels, Office
Buildings, Industrial, you want it I'll find it.

Let there be peace and happiness in our world.

Thank you,

Don

Spirited Debate

Join us in a spirited debate on the upcoming 2006 legal issues we
will face in 2006 at:
http://www.magicbullets.com/forum/showthread.php?t=2661

Also, be sure to download your Free No Money Down Books, Forms, and
Information at
http://www.magicbullets.com/forum/showthread.php?t=2580

Also for many of you who have contacted me on the 3 day boot camp!
The December 15th, 16th and 17th Session if full and we only have
Only 3 seats left for The 8th, 9th and 10th Of December.

Keep in mind my fellow investors you can call me any time at My
personal cell phone (417) 894-8776 or on my dime at Toll-Free: 1-877-
225-5928 & enter 4178623164

It is not wanting to win that makes you a winner; it is refusing to
fail.

John Michael - "King of Bling"
Investor/Teacher/Mentor/Author
My personal cell phone (417) 894-8776
Toll-Free: 1-877-225-5928 & enter 417862-3164
Office - (775) 535-1341 & Fax - (775) 307-6541
Email: john@... or jmichaelrei@...
JMichael Investments: http://www.jmichaelrei.com/
Join me at the 3 Day Real Estate Investors Boot Camp

Fire Storm of 2006

As a member of the NARHRI I wanted to share this:

Consumer advocates, attorneys general and elected officials across
the country are poised to introduce legislation in 2006 that, if
approved, will drastically alter the way in which real estate
investors conduct business, and may in fact put many investors out of
business completely.

States will consider legislation intended to ban Subject To and
lease/option transactions. In addition, the legislation will prohibit
the teaching of these methods, and possibly other methods as well, at
real estate seminars, which essentially amounts to a ban on the
seminars as well.

These advocates discover instances of fraud in our industry and
immediately conclude that the transactions themselves, not the
individual perpetrators of fraud, are to blame and need to be banned.

The only way to properly counter their push to decimate the real
estate investing industry is to organize in the same manner as all
other professional industries organize. In this respect, the real
estate investing industry may have some culpability.

If the honest, professional investor does not stand up and establish
a voice at the state and federal level, why should lawmakers be
blamed for passing this type of onerous legislation? After all, if
all lawmakers ever hear are horror stories about the real estate
investing industry, they have an obligation to do something. This is
where the industry as a whole needs to remove its head from the sand
and understand that if the industry does not set the tone for how it
is regulated, the consumer advocates will. The result may indeed be
the demise of the industry.

It takes lobbyist, It takes money, and most importantly, it takes
action to protect what you do!  Folks you have to choices!

1.  Sit back and do nothing and have nothing
2.  Do something!
      a.  Join your local REI Club or Group
      b.  Provide your group support in time and money
      c.  Take action! NOW!

It's all about unity folks!

I had to privilege of having a chat with my dear friends at Magic
bullets a few days ago and have put together a free mini ebook on No
Money Down Deals and you can download this "FREE" at Dan Auito's site
at http://www.magicbullets.com look for the posting under General
real estate discussion under the title of John here is the chat I
saved.

I've posted new articles on the Home Solutions Blog:

"Scripps Ranch: Country Living Close to the City" and
"If Real Estate Investment Is So Great, Why Doesn't Everyone Do It?"

Read them now: http://www.isellsandiegohomes.blogspot.com

Have a fabulous weekend!
Maria Palma
Real Estate Consultant
Group Owner/Moderator
P.S.  I have a new phone number: 858-693-7834  Update your address
books!

Do you have a poverty mentality?

Good Morning Fellow Investors,

Many of us enter the game of real estate investing with what I call a
poverty mentality!

A poverty mentality is simply when one is focusing on what they do
not have and in time this mentality can easily turn to greed!

I have preached for years that real estate investing is mostly made
up of ones state of mind with a mix of knowledge, luck and hard work.

The game of real estate investing is both exciting, inspiring and
frustrating.

Exciting because of the potential to make large somes of money that
most of us desperately need!

Inspiring because normal people like you or me have built wealth by
investing in real estate.

Frustrating because you have not made it to the level of success you
are seeking simply because we are feed in this business by many
teachers of how easy it is to make money in this business, how any
one can do it, how property owners are willing to just give you their
property and we could go on with this.

Many of us have read testimony after testimony of how thanks to ????
They now make tens of thousands of dollars every month, How thanks
to ???? I am a millionaire, How wonderful it is to have money, and
how easy it was to become a millionaire!

The truth of it all is the simple fact that the only easy part of
real estate investing is how to loose money!

No education can make you a success, only you can make you a success!

You must get your mind in order, you must believe in "YOU", you must
seek out that vehicle that will help drive you to success and most
importantly you must study and study and study again everything you
can about real estate investing.

I have been apart of 100's of real estate training seminars over my
20 plus years as a real estate investor and teacher and for me the
most frustrating attitude to overcome with potential students is
the "poverty mentality"!

You attend an introduction seminar to real estate investing or you
are online researching and you read or see testimony after testimony
of how someone learned so much from so and so that they are now a
millionaire or making $1,000's of dollars every week.

So you get excited and you are ready to sign up!

Than comes the cost $50 for a book, $100's of dollars for a home
study course or the big one $1,000's of dollars for a seminar or boot
camp and your excitement just went out the door, you jump into
the "poverty mentality" and say

The heck with that
It's a scam
If it's so great give it to me now and I will pay you later!
I need money to pay my bills
I can't afford that.
Why is it so expensive?
Can't I learn this stuff somewhere for free?

You can spend countless hours, days, months, years seeking after
knowledge or you can spend time making money!

I have seen over the years 1,000's seeking after knowledge wasting
countless hours, days, months, and years all but to fade away because
of the "poverty mentality".

You simply have two ways you can invest in your business!  You can
invest time or your can invest money.

It doesn't take a rocket scientist to figure out that time simply
takes longer.

What am I saying to you is simply loosen up the purse strings mixed
with sound decision making when it comes to education.

So what price tag are you willing to place on your success?  What
would it be worth to you to become a success?  What are you willing
to do to become a success?  What risk are you will to take?

The largest sector in America makes between $20,000 to $29,000 per
year and our poverty level is at around $19,000 per year and this is
what they are willing to spend each year on:

Eating out $1,483
Alcoholic Beverages $247
Tobacco $324
Entertainment $1,517

Let's see $3,571

However, the average person is only willing to spend $95 per year on
education!

WOW what has more value eating out, alcoholic beverages, tobacco and
entertainment or education?

You tell me what you value more!  You see if you take a look at folks
who make $70,000 plus per year they spend an average of $1,902 per
year on education vs folks who make less than $30,000 per year spend
$95 per year on education

Don't take my word for it see http://www.bls.gov/cex/csxann03.pdf

I wonder who is the smarter group?

This is why the rich get richer simply because they understand the
value of education and time!

What do I know, I'm just a little guy building wealth one deal at a
time!

THINK ABOUT IT!

Something is knocking at your door!

Will you open the door to success or provety!


We will be offering this evening a FREE chat on no money down real
estate investing and you can see details at
http://www.magicbullets.com/

If you can join us at the 3 Day Real Estate Investors Boot Camp this
December for one of the most powerful education opportunities in the
industry!  See all details at my web site!

Be sure to visit my web site for Tax Tips for Real Estate Owners &
The FREE Booklet on Business Credit and Loans by clicking on my Tips
page.

You also have only a few days left to download your free gifts for
October by simply going to my free gifts for October.

I have also listed a few new investments with great returns to end
October as a great month for opportunity.

John Michael
John@...
www.jmichaelrei.com
Personal cell phone 417-894-8776
Toll free 1-877-225-5928 enter 4178623164

Getting approved for a Mortgage when you have Bad credit

11 Tips

1. Find a home to lease option. You need to show 12 months of
payments on time. Try for an 18 to 24 month lease option. There are
many resources to help you locate lease option property.

2. You and the property owner need to sign the agreement before a
notary and then you need to record the document.

3. Make your payments on time. Make your payment by check and keep
these cancelled checks. This is the best proof to a lender that you
have made your payments as agreed.

4. Keep a copy of your signed contract.

5. Don't wait until the last minute to apply for a mortgage to pay
off your option. Start 5 months before your option comes due.

6. If possible hold off on any large purchases until you have paid
off your option.

7. Keep your property in good shape. If you are buying your home on
an option, the lender will want the property appraised. The higher it
appraises for in comparison to what you owe the better for you! Take
photos of the property before you move in. Do cosmetic repairs that
photo well and improve its appearance.

8. If possible, don't change jobs right before applying for your
mortgage (keep that job until you get your mortgage).

9. If you don't have any established credit that reports to the
credit bureau - try to establish some. Do not get any more bad credit
reports during your lease option.

10. Keep all your important papers together.

11. If you are considering purchase, call as soon as possible. The
sooner you plan your strategies for buying your home or paying off
your contract the better.

John Michael (I will always be new in REI, as long as I keep
learning)

I hope this has provided some help to a few and for reading this I
have a few ebooks, forms and Calculators to give you for honoring me
with your time - your free gifts are at http://www.jmichaelrei.com/
Just click on Octobers free gifts.

Hi Pete,

I don't know about the 1990s, but I saw many second mortgages
with 19% interest in 1980 and firsts with 14% interest in 1982
when I was selling real estate.

Jeanette
www.doghousetodollhouse.com

Does anyone know how high the interest rates went in the 1990's when a
lot of homeowners were forced to sell their properties as they
couldn't repay their loans?

Recently bought a home in San Diego and looking into refinancing maybe.

Thanks!

Pete.

A bus tour of Downtown San Diego!

Friday, October 21st, 2005
10-12 pm

Where: Centre City Development Corporation
225 Broadway, Downtown San Diego

Parking:  Horton Plaza parking structure
3 hours free with purchase

R.S.V.P:  Leah Williamson 619-231-4632

Redesign and Home Staging for Top-Dollar Home Sales Seminar

September 17  9:00 AM. - 12:00 PM.

Sell your home for top dollar - fast! Discover interior design
secrets for optimal selling in any market. Get a bigger
paycheck at closing. Discover new interior Design Psychology
strategies to spruce up your home quickly and save money on
decorating. Learn designer methods to "Redesign" your home to
attract your buyers' profile and home staging to create a
buyers' dream home. $49. Optional materials available.

Mt San Jacinto College, Menifee Campus near Temecula
Section 9067 Room 1011B Please note the room numbers often change.
Best way to register: Call (951) 487-6752 ext. 1700, 1701 or 1702

Joy!

Jeanette

P. S. Hope to see you at the San Diego Home Show.


Jeanette Fisher
Design Psychology professor
Joy to the Home
Homes for glorious living and top-dollar sales
http://sellfast.info/
Free eBooks: "Design Psychology for Selling Houses" and "What IS Design
Psychology?"

The 16th Annual San Diego Fall Home & Garden show is right around the
corner!

Sept. 16, 17, & 18
Del Mar Fairgrounds
Win free tickets or get a discount coupon by clicking the link below:
http://www.springhomegardenshow.com/Pages/BestDiscountFHGS.htm

Have a prosperous week!
:) Maria

----- Forwarded message from announcement@... -----
     Date: Wed, 10 Aug 2005 04:13:23 -0400
     From: Home Inspection Newsletter <announcement@...>
Reply-To: Home Inspection Newsletter <announcement@...>
  Subject: Ten Things You Should Know About Mold
       To: mariatpalma@...

*NACHI Home Inspection Tips*
  For Home Buyers, Sellers and Real Estate Professionals

*Ten Things You Should Know About Mold*

   1. Potential health effects and symptoms associated with mold
      exposures include allergic reactions, asthma, and other
      respiratory complaints.
   2. There is no practical way to eliminate all mold and mold
      spores in the indoor environment; the way to control indoor
      mold growth is to control moisture.
   3. If mold is a problem in your home or school, you must clean
      up the mold and eliminate sources of moisture.
   4. Fix the source of the water problem or leak to prevent
      mold growth.
   5. Reduce indoor humidity (to 30-60%) to decrease mold growth
      by: venting bathrooms, dryers, and other moisture-generating
      sources to the outside; using air conditioners and
      de-humidifiers; increasing ventilation; and using exhaust
      fans whenever cooking, dishwashing, and cleaning.
   6. Clean and dry any damp or wet building materials and
      furnishings within 24-48 hours to prevent mold growth.
   7. Clean mold off hard surfaces with water and detergent, and
      dry completely. Absorbent materials such as ceiling tiles,
      that are moldy, may need to be replaced.
   8. Prevent condensation: Reduce the potential for condensation
      on cold surfaces (i.e., windows, piping, exterior walls,
      roof, or floors) by adding insulation.
   9. In areas where there is a perpetual moisture problem, do not
      install carpeting (i.e., by drinking fountains, by classroom
      sinks, or on concrete floors with leaks or frequent
      condensation).
10. Molds can be found almost anywhere; they can grow on
      virtually any substance, providing moisture is present.
      There are molds that can grow on wood, paper, carpet,
      and foods.


Feel free to download this page of tips in a printer-friendly PDF
format (http://www.nachi.org/documents/emailfiles/inspection-tips1.pdf).
You can reproduce it and make it part of your real estate information
packet.

*This Message Was Brought To You By NACHI Member*

      Will Handley
      Laguna Niguel, CA

      Phone Number:    (949) 499-8054
      E-Mail Address:  willhandley@...
      Web Site:        http://www.progressiveinspection.com

      Verify Certification:
      http://www.nachi.org/verify.php?nachiid=NACHI04092286

--
Message sent for Will Handley by:

National Association of Certified Home Inspectors
P.O. Box 987
Valley Forge, PA 19482-0987
http://www.nachi.org/

Unsubscribe: http://www.nachi.org/mailprefs.htm





----- End forwarded message -----

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gigifernando@...

Read the interview with Jeanette Fisher, seasoned real estate investor
and Design Psychology professor!  Visit the blog:
http://www.isellsandiegohomes.blogspot.com

Hello!

I hope that your summer is going well... This is the time of year
when I start downsizing and reorganizing the house.  It's great for
the mind and spirit!

I have also been busy helping people find homes and updating the
website.  I've jumped on the blog bandwagon and have started a blog
as a supplement to this group.  I will be posting more on the blog,
so visit often and leave your comments!  Here is the link:
http://www.isellsandiegohomes.blogspot.com  I will be keeping this
group mainly for all of you to network and also to send out the
newsletter.  (By the way, what are your thoughts on the newsletter?)

If you haven't taken advantage of all the resources on the Home
Solutions website, please visit the articles page at:
http://www.homesolutionssandiego.com/articles  I've added new
articles and will continue to add articles on a regular basis.

Would love to hear from all of you...anybody working on a home
improvement project that they'd like to share with us?  How about
real estate projects/investments?

To Our Success,
Maria Palma
Group Owner/Real Estate Consultant
Keller Williams Realty

If you need wood blinds, faux wood blinds, vertical blinds, cellular
shading, or shutters, give me a call. Free in home estimates and
professional service.

619-253-9970

Mike

Hi Everyone!

I'm really looking forward to network and to possibly build beneficial
relationships with you.  I'm a commercial broker, and have many loan
programs to choose from.  But at the same time, there are always
better
programs out there as well.

Please contact me if you'd like to work together. My web site is
www.nationwidemortgageconsulting.com

Looking forward to hearing from you!

Michelle Rosado
Nationwide Mortgage Consulting, LLC
(866) 784-2620

Hope everybody's summer is going great!  San Diego weather hasn't
been that bad the past few days.  Pretty warm, but nice breezes :)

The past few weeks I've been asked over and over, "What does the
market look like nowadays?"  In my opinion, for San Diego it looks
like things are starting to slow down except for downtown where
buildings are going up faster than I can blink!   Although prices
are still increasing, houses are staying on the market a little bit
longer than the past few years.  Is the bubble about to burst?  God
only knows!

I heard a couple statistics last week:
* The median price of a home in San Diego is $562,000
* 9% of the population can afford a home in San Diego

It's discouraging to see these statistics, but I learned about a
fairly new mortgage program called an Option ARM that can make it
affordable for people to own a home here in San Diego.  With this
type of loan you have four different payment options which offer
different benefits.  These payment options give you the flexibility
to adjust your loan payment to fit your changing financial goals.
To learn more about this type of mortgage, feel free to contact
me.   I'll be posting an article about it in the next week or so.

Have a prosperous week!

To Our Success,
Maria
Group Owner/Real Estate Consultant

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