Back in January 2001, my wife and I were struggling financially. We could hardly afford a mortgage of $850.00 a month. It was only through God”s mercy and faith that we stayed afloat. At that time, we were moving a lot because of my job with the military. We had just purchased our second home, but with no idea really how to do it. I was able to have the sellers pay for my closing costs, but I was not a student yet. We moved more during the next few years (with the military), and then Sept. 11th happened, it truly changed our view of life, and family. We started focusing on our goals. We started thinking alike and working as a “team”. That”s when everything started changing. Once my wife and I were on the same page, we decided that investing in properties was the way to go.

We got sent to D.C., I saw an ad for CWI workshop in D.C., and the rest is history. I have purchased three other properties with the system, and started a business as a corporate short-term provider since. I now have a total of five properties (only three with the system), and manage another ten under corporate housing. I still work for the military, but I do not depend on the paycheck (I have almost replaced my income though). Now, my mortgage is $3,800 a month and I do not even sweat it anymore.

Again, it is only through God and his blessings that we are able to enjoy these benefits. All I”ve done is be a good steward of God”s money and given back to him in the form of tithes, and put to use the tools that CWI has to offer. By faith and putting that faith to action is how it”s done. To God be the glory!

I have just published my first web site. I have learned a great deal from reading about Internet Income as I developed this site and now feel that I can do it even better. I am starting to develop another site based upon my “initial practice” and am sure that it will be a very effective site. In the end, both sites are focusing upon helping people to discover the merits of having “Multiple Streams of Income” and providing questions, options and affiliate links to assist them.

I have written an article about Multiple Sclerosis that I am currently submitting to various MS publications. I am asking readers to contact me if they have stories to share about their experiences with family doctors and Neurologists. When contacted, I will be sending a short questionnaire to the respondent in order to gather common, base data from all who contact me. I have already heard many stories, both good and bad and I want to document more information.

I am absolutely convinced that I will gather enough information to write articles and a book about the Doctor/Patient Relationship and the many aspects of it and other “taboo” areas that are very rarely discussed.

I have a wife and three children who are my biggest success.

Over the last 20 years, I have been involved in the technology industry and have worked my way up the Corporate ladder making a more than fair salary. The main thing missing now was the “fun”. The dream to get to the top of the Corporate ladder at a large technology company is no longer and I”ve been looking for other challenges.

A few years ago, we got involved in real estate as a hobby and just out of being in the right places, now have our home plus three rental properties. The best deal on a property was from an investor who was selling off all his properties. He had sold them all off but one and that one was on the market for about a year. It was a small house valued at $50k and the seller had already made his money back from the property over the 15 years from one tenant. The seller was asking $29k as he just wanted to get rid of it and it had some issues but nothing not able to fix. I put a bid in on the property for $17k and he came back with $22k. I kept my position and finally agreed on $17.5k.

The funny part was the amount was so low; the bank would not give me a mortgage. I had to get a loan and requested a five-year loan. I was declined that term but allowed a four-year loan. Even with a four-year loan, I have positive cash flow and a tenant who has no intentions of leaving. The property will be paid off before my own personal house!

I had been reading the paper diligently for “distressed” properties for sale. I found a little ad that said Must Sell – Estate Sale. It was a home on the lake that was being sold by a “co-worker” of the gentleman who died – at a fairly young age. I called the number, but didn”t get an answer and had to leave a message. I didn”t get a call back for about a week. Then, when the “seller” called, he was very nonchalant about selling the property, but finally agreed to show it to us.

It was winter, the lake was ice and snow covered and it was kind of a dreary day. The guy didn”t open up a shade or say anything really positive about the house. He was the worst salesman I”d ever seen! Anyway, we thought the house was great! It was in excellent shape, needed only cosmetic fix up and sprucing up and had a great location on popular lake. We checked out lots of other comparable properties that had sold in the last year or were up for sale (not many on the lake at that time of year!) And we decided what price to offer to make a great profit. We talked with our banker who gave us a quick thumbs up and then decided to look at the property again. The “seller” gave us the key and we spent a couple hours looking at EVERYTHING in fine detail. We made a verbal offer, but it was rejected as too low.

The “seller” said the family wanted at least $20,000 more than that. We said “well, then we”ll just have to pass on this one.” The seller then said, well how about splitting it at $10,000 more…now we are talking about $339,000…so this was BIG money to us for our first purchase. We decided to go for it since we still felt we had a $45,000 profit margin (not considering interest, etc. but considering updates). They wanted a fast closing…we closed in 4 weeks. We wanted immediate access and we got the keys as soon as we got the accepted offer.

We closed on April 15, 2004. Our bank gave us a 5%, no money down bridge loan, meaning we don”t have to pay any interest for 3 months. We”re figuring at least a $30,000 profit even if we have to hold it for a few months and reduce the price. We started fixing things up and began advertising it for sale as soon as we had the closing. We”ll see how it all turns out in the end. We”re nervous about this much money on the line for our first project, but we”re staying optimistic as the weather begins to warm up.

After just two weeks of studying with EMI, I took the plunge and made an offer on a revenue property. I had no time to study the market in the area where the property is situated. There was another prospective investor checking out the property at the same time that I was. About an hour afterward the realtor called me to say that an offer was being submitted. I had already crunched the numbers; the price was in the range that I could handle; the seller is an investor needing to liquidate some properties so that he can invest in a bigger joint venture. I spoke with this investor – he was quite helpful and upfront – said he would give me all his contacts – handymen, brokers, attornies, and reference lists for tenants. I decided to put in an offer conditional to financing (I had not had a chance to get myself pre-approved yet), subject to home inspection, and subject to partner approval (this last one was because I read in the \”The Road to Wealth\” that this is a good idea). Unfortunately my offer was turned down – the realtor said my offer was very good but the other offer was UNCONDITIONAL. 

I consider this event a SUCCESS for me because I accomplished the FEAR factor plus I learned some things. I also made some connections with other real estate investors and realtors who work them, plus I was given contact names that I can use to build my TEAM.

I will continue to forge ahead and am determined to acquire a good solid revenue property soon.

Well, here I am…14 days into this EMI program and 2 days after I made my first offer and was rejected, I found another property and put in an offer that was accepted. I found an ad in a small bargain finder newspaper that is published every week in Calgary. There was a little house in Black Diamond for sale by owner. Black Diamond is about 1 hour southwest of Calgary, but on the verge of becoming a real hot spot in Alberta. I called and found out that the owner really needs to sell because she has bought another house. She has advertised the house for $115,000. She does not want to rent the house even though she has had offers by people who want to rent it. The realtors have been banging on her door begging to list it because they told her she can sell it for $120,000. She has had offers but they fell through because the buyers could not get the financing. She has shown the house to a couple with 3 kids who are in dire straights to find a place to live and want to \”rent to own\\\” because they had a bad run of luck with real estate (owned 12 properties) and had to file bankruptcy and are climbing their way back up. They can easily afford to rent the house but cannot get financing (no credit obviously). So here I am, with a \”three way win\” sitting in front of me:

WIN 1: Seller can sell her house to me – I have the $ (cashable GIC for down payment)- so no problems financing.

WIN 2: I get to make my first purchase with an opportunity to resell for a profit of $8000.00.

Plus, I have no worry about renting it – I have a tenant already that will negotiate anyway possible to rent and possibly rent-to-own.n Tenant is ready to move in on same day that we close the deal.

WIN 3: This couple have a place to live which is their little Picket Fence dream house and I will be able to negotiate with them so that they can eventually buy it. 

I have to say that I have been praying every night to my higher self asking for guidance. I decided to open myself up to the universe and freely accept the love and energy in the universe with the desire to return it doublefold.

I truly believe that my positive and Enlightened Attitude have allowed me to overcome my FEAR and allowed me to embark on a new ROAD TO WEALTH.

My first offer was accepted today. I was in the market for a house for my daughter who decided to go to college here locally in Texas. Rather then spend $600 per month on an apartment,I decided to get a house for her now and later rent it to a family.

We found a great house earlier this week, newly painted, new roof, mint condition 3 bedrooms, 2 baths, 1,500 sq ft. They were asking $105,000. I offered $98,000 and he took it. I was a bit surprised but as it turned out, he had invested for his kids, was from out of town and wanted to move on. Right out of the shoot I feel I made $4-5000 because I was prepared to go higher. I also saved a budgeted $1-2000 for improvements. As I mentioned, this house is in such good shape I will need to do $0 now or any time soon. Most houses I looked at needed $1-2000 in improvements.

I plan to rent for $800 which will cover mortgage for now. Later I should be able to rent to a family for about $1,000.

Special thanks to my coach Kathlene T. and to the recent Enlightened Seminar in Dallas that gave me the confidence to get going.

Getting the first deal feels good.

Thanks for your help, I look forward to more deals soon.

Our daughter decided to go to school in local town. We dedided to invest in a home for her and friends to rent and then rent to a family after her two years are over. We used Robert Allen”s suggestion to do comps., analysis per his forms, and made an offer on a 1,500sq ft home. We made an offer today about 8% below asking price. W e are waiting response.

I found the recent seminar in Dallas with Bob and Mark very helpful. It gave me the confidence to get going.

As a result of gifting $27,000 of our school discipline product, we were invited to participate in an interview with Oprah. Through Robert and Mark”s impetus to give and the universe will reward you, we found out about a boy (Darryl) in Georgia who had been repeatedly bullied for 2 years. One day he retaliated and was charged in juvenile court with aggravated assault. The bullies were not punished at all. This story was told on Good Morning America, The Today Show and CNN with the family saying they had not been able to find any tools to help with this bullying problem – none for their son as the victim and none for the bulliers as the perpetrators. When we saw this, we knew we had to help because our product was the perfect solution. One of Oprah”s producers had called Darryl”s attorney but she had never called him back. We”re now working with her to pitch a story sometime in mid-July 2004.

Because of the Oprah opportunity to be in front of 22,000,000 viewers, we decided to repurpose our school content into a home version. This new product will launch July 31, 2004 on a local high-tech talk show. We hope to gain lots of insight from this local launch and then be prepared when we go national on the Oprah Show.

We found a pre-foreclosure that was actually listed with a realtor the next street over from our house. We had our realtor make contact, went over to meet the family and see the house. The property was built in late 2000 and only needed carpets to be cleaned and touch up paint with a few drywall holes repaired. However, the owner had started a project to add a rollup door in the 3rd car garage that was not finished and was half-way done completing an extended patio cover in the back of the house. The woman from the realtor’s office was somehow also representing the bank which we”ve never fully figured out, but she told us the bank had agreed to a short sale.

We looked up what the original mortgage was, considered current market value (we had access to excellent and very recent comps from our neighborhood, including a recent sale of that exact model). Market value (in ready to sell condition) was 143,600. Their original loan was for 134K. They were asking 159,900 which was totally unrealistic. Their foreclosure date is March 3rd so we promised close before March 2nd. Given the state of the 2 projects, we offered $133,500. They countered with 155K which we quickly rejected.

We have recently made contact again to see if they have a current interest in our offer given that the foreclosure date is much closer but have not gotten a positive response. The lady from the bank we”ve had to deal with is incompetent and irritatingly vague. Our realtor tried to contact someone else from the bank, but has not had any luck. The biggest bummer is that these people are going to get foreclosed on, we already had renters for the property (other bonus, we have a great school district and no other rentals in the entire subdivision) and we had a side deal with the guy to finish the projects that would put cash in his pockets. You win some you lose some.

Our book was accepted by a traditional publisher and is expected to be in book stores in April 2005.

The book is about 12 principles of success with biblical roots. The book was written by Doris Coe Wilson and Andrea Richards Scott. We are very excited because we had planned to self-publish the book but gave it a shot with a small traditional publisher.

We have learned quite a bit through the process and everything discussed at the Mega Book Marketing Workshop about the book being a lead generator and the Publisher only promoting the book for 6-8 weeks has really hit home. As a result of seeing how little the publisher actually does, we have launched our own small publishing firm that will focus on more customized solutions for book authors. We are in the process of negotiating a book deal right now with an author and illustrator for a children”s book.

We”re really excited about the prospects. Since we”ve learned so much we”ve decided not to go the traditional route again. Instead, we have numerous titles lined up for production.

I started on my road to wealth with very little and a desire to start with real estate. I bought my first mobile home with butterflies in my stomach and a credit card. Three weeks later I sold it for nearly double what I paid for it and carried the financing at 12.5%. I proceeded to do about 10 of these types of deals and then met an investor who generously enabled me to begin investing in real property both for my individual portfolio but also managing a partnership from which I receive 50% of the profits.

I have also started a network marketing business which is beginning to grow and recently rounded off my 3 wealth building vehicles by taking Dr. Coopers Stock Options course. I am currently in the midst of doing 15 paper trades.

Thank you to the Enlightened Millionaire Institute for sharing their powerful vision and knowledge with so many people, I believe that when this enlightened approach to wealth and abundance catches on, together we can make the world a better place.

God bless us every one.

I joined EMI in April in order to learn how to trade profitably in the stock market. Dr. Coopers courses (Basic and Advanced) have been phenomenal. And I have had tremendous success trading using his system. I am excited about my financial future and well on my way to achieving financial freedom in 2005. Listed below are a few of the successful trades (paper and money) I have made in the last 6 months since taking the first course.

HAR – opened at $5.50, closed at $24.00 for 336% profit in 15 days.

CHS – opened at $1.80, closed at $6.50 for 261% profit in 17 days.

SBUX – opened at $2.10, closed at $7.20 for 243% profit in 24 days.

KWK – opened at $3.00, closed at $9.50 for 217% profit in 21 days.

WGR – opened at $2.45, closed at $7.40 for 202% profit in 23 days.

My story is not about financial success, at least not at this moment, it”s much more than that.

Just over two years ago I lost my husband to cancer and it was single most devastating thing that has ever happened to me. I found very little interest and joy in anything. Living like a robot is not much of life so when I found my son”s book The Enlightened Millionaire on the coffee table I asked him what he thought of it. At the same time I went to the bookshelf and pulled down several other books by Robert Allen and Napoleon Hill etc. and told him he could read those also because they are in the same vein.

Needless to say, it felt as though the books were calling me, saying “read me..read me”, and I did. Michelle”s story was wonderful and it started me thinking about how I should do something and not waste away the rest of my life. I listened to the tele-conference call and signed on as a protégé, something I will never regret.

I am so excited to be a part of the EMI protégé program because writing has always been something I wanted to do but somehow never did. Now with the help of two very dear friends who agreed to be part of my team, I am not only writing my book, learning about investing and resurrected my Network Marketing business. But, the greatest gift of all is that I am enjoying life again, finding new interests and hopefully making a difference by sharing my story. In the process I expect that I will gain valued friends, a happy life and financial success.

I had no idea that there was actually a “courage in action” award for writing a book proposal. I had just about completed it while living in Canada. I have a series of books about miracles and health, and a series of books on business, the first business book is on corporate thought. So I have had books out for lots of years. No body would help me to get them published. No body at all.

So I always thought that writing a book proposal was just a colossal waste of time. Editors and most publishers are idiots anyway. They don’t know a great idea when they see it. Why bother?? Today, I am sending both the book proposal and the marketing plan to my agent in San Francisco. It has been my life”s dream to be an author. After 50 rejections, at least that, there were probably more, I found an agent who actually guided me through the process, and told me exactly the steps that needed to be done to get this show on the road.

It’s not about the words we use as an author, it”s about the actions that we take when we truly believe that we have a message that the audience wants, sometimes that message is 10 years ahead of it”s time.

Like the Angel book that I wrote 10 years ago, was so far ahead of it”s time, no one would publish me. I decided that God had a message and maybe because my name is Angelica I had been called to deliver that message. Might not have been what the editors wanted at the time. It was so ahead of it”s time in health care, that it was very controversial. After speaking with Pierre Berton in Canada, a very famous journalist, he told me that I can never be controversial enough. With the war here in the US perhaps folks need a few angels.

Any way, I have sold 20,000 copies out of the trunk of my car, and that”s how Wayne Dyer and Redfield started too. Maybe the editors don’t think I have a message but the audience sure does. I will continue to sell Angels out of the trunk of my car, until some stupid editor/ publisher somewhere gets it. Quite frankly I don”t care. The audience loves it and the message that God wrote through me for them is in print.

In the meantime, I wrote a corporate book for a corporate audience and I am sure that the corporations will love the fairy tales, and funny stories that I wrote just to have fun in business.

That”s why this is so easy now; quite frankly I really don”t give a damn. Because it”s not the editors or the publishers that are too dumb to make money with a concept that already works, it”s the audience that always knows what they will pay for, anyway. They vote with their credit card and their feet.

So just go for it, and stop trying to please a world that will never be pleased, when there is another real world that just adores you for who you are already and really wants to hear your voice.

Have a miracle day; don’t let the book proposal and marketing plan intimidate you. Let your message be your guiding light. Stay tuned for results. God above Goals.

It all started with donuts.

My wife and I attended the 3 day Real Estate Workshop with Glenn Purdy in March 2004. Glenn made a contract with one of the students for 250,000 GURU Bucks to bring in enough donuts for everyone in the class by 8am the next morning. Not just any donuts either, they had to be Krispy Kreme Donuts. 500 of them. He then extended the contract to everyone in class. I felt 250,000 bucks was not enough, so my wife went to one of the mentors to negotiate a higher value. They told her the contract was set, but to be creative (wink, wink). As Bob Allen and Kurt Mortensen had told us 10 days earlier at the Persuasion class in San Diego, “If you’re gonna go, GO BIG”! And so our journey begins.

We started by going to the local KKD shop and speaking with the manager for about 15-20 minutes. Asking him questions about other orders that might have come in, trying to figure out how many other students might be taking up the challenge. We concluded, that at 9pm that night, there was only one potential order for our class all ready called in. At that point, the creative juices really started flowing. We started thinking about all the potential donuts that may show up the next morning. Keeping in mind that there were 500 students, this could have easily turned into a donut-fest with several thousand donuts being provided. Obviously, we didn”t need that many donuts. So we started to think of “Enlightened” ways to donate the donuts.

One of our favorite charities is the Children”s Hospital. We found out from the employees at KKD that there was a Children”s Hospital only 2 miles away and the lights went on! We left KKD and headed to the Children”s Hospital of Orange County (CHOC). At 10pm it was pretty empty. Only security guards were present. We told them we wanted to donate 500 donuts the next morning, but they couldn”t help us and no one else was around to speak with. My wife noticed that some workers were setting up tables in the lobby, but the guards didn”t know what they were for. I then called the main CHOC number, told the person who answered a little about what we wanted to do and she said I would have to call back the next day. However, she did know about the tables. CHOC and the Kiwanis Club were having a community awareness drive and carnival the next morning at 10am. BINGO, we knew we were in the right place. Now it was time to plan the presentation of the donuts.

How could we deliver the donuts the next morning to class and “be creative”? We thought about having some Disney characters bring them in since we were at the Disneyland Hotel. A 10-15 minute conversation with the hotel manager proved fruitless. She was very intrigued and excited by our situation, but in order to have Disney characters at a function required an application, committee review and 90 days notice. Bummer! We also remembered that the United Spirit Association was having its annual spirit competition with groups of cheerleaders from all over the country. We spoke briefly with a cheerleader in the lobby, but her team was performing at 8am in the Orange County Convention center. We started walking through the hotel looking for other cheerleaders. While my wife looked, I decided to check the phone book under entertainers to see about getting a small band or barbershop quartet on short notice. I was shocked by most of the businesses contained under the “Entertainment” heading. Let”s just say it”s not for the faint of heart.

\r\nBefore I could make any calls, my wife had found a group of high school drama students who were also intrigued by our situation. They started coming up with all sorts of ideas to “creatively” deliver the donuts from launching them into the crowd, to coming in early and creating a Mickey head display with the donuts, to creating a donut domino display and knocking them over at the beginning of class. To top it all off, they offered to deliver the donuts and sign a song of our choosing. Of course, it had to be a Disney song we thought. This was a

Until recently, I have maintained certain anonymity. By maintaining a low profile, I was able to gain access to the top marketing minds in the world. And, as a result, I have slowly and methodically risen to the top of the field of direct-response advertising.

I have taken the valuable knowledge I have learned from Robert Allen, and decided to specialized in the Internet market. Although I had created a profitable business model in pre-World Wide Web days using Compuserve way back in 1984, it wasn”t until August of 1992 that I started my first 100% Internet company. I met Robert through a mentor named Joe Land. I immediately liked Robert”s attitude and I began following his teachings carefully.

Around 1984 I read Robert”s book “Nothing Down: How to Buy Real Estate With Little or No Money Down,” which allowed me the opportunity to purchase a number of properties at a time when interest rates were through the roof and no one was buying. Many years later I read Multiple Streams of Income and a year or two later, Multiple Streams of Internet Income, both of which I credit my business model of creating many, many small Websites that each make money.Today my companies earn millions of dollars each year.

However, my most passionate interest is in creating small to medium- sized Internet businesses, and, more recently, as the co-founder and CEO of a new company located in San Clemente, California, I have joined with my wife and business partner, co-founder and president Yolanda, to help aspiring entrepreneurs, authors, speakers, publishers, and information marketers (many of whom cannot afford my $7,500 per hour consulting fees) make a full-time living on the Web by providing them with nuts and bolts tactics using traditional direct-response marketing methods, and adapting them and super-charging them for high performance on the Internet.

We have a product that many people use to take them out of depression and handle stress. We never realized it was going to sell from our site better than our books. The unit sells for $297.00.

We are setting up a separate site for it now. We have sold 1,500 plus units from back-of-the-room sales and our website. We are setting up an e-zine for the site.

Our new concept with ebooks will make our books available in many foreign countries in their language with our new print on demand process. The customer orders from our site. We set up a printer in the specific country to receive a PDF in their language so they can print it and ship it within a specific country in their language. This eliminates printing books in other languages, warehousing and shipping them.

With my books published I need a web site to let people know about my work and my books. I went through three web site developers before I was able to get what I wanted. In the last two years we have changed our concepts of how we want to market with our site.

Since we have been through training with Cori Rudy we have added more tools and software to promote our website. Paul Hartunian was a major opening for us to learn how to write copy. This year we are setting up multiple sites to market our products. We finally realized that it was not the graphic design of the site that sells, it is the copy and the simplicity of the message.

I sold the stock for $3,500.00 and in many stock transactions that year. I ended the year with a profit of $14,000.00.

I became a day trader and an options trader when there was no options market. I had a broker who would find investors who would sell me options. My net gain on these transactions was $25,000.00.

We used this money to make the down payment on the Ranch in Napa Valley.

Purchased a 180 acre ranch in the Napa Valley CA. for $125,000.00. It was an abandoned Winery and Vineyard that had gone back to forest. It Had not been operated since prohibition. We cleared the land to start planting vineyards. We re-established the winery and operated it for 7 years. We sold it in 1976 for $250,000.00.

The winery building boom was on which pushed grape prices beyond our reach. So we moved on to build a restaurant in Sonoma CA. We built from an empty paint store, in 1976. We sold it in 1978 for $125,000.

In 1978 I sold my restaurant and retired at age 41. We though we had it made and paid everything we owned off. No debt at all. Six years later after returning to college and receiving a degree in Psychology we got the itch to go back into business again to open a bookstore and a therapy center. Which was a successful venture in the beginning. We had three partners who ran the business into the ground and embezzled $30,000 from the business. We had to close the business after they left us almost bankrupt. We had to pay back sales taxes they had not paid; the state and federal Govt. had locked up our bank account to pay the taxes. I had no place to practice so with no income and no bank account we could not pay our outstanding debts. We lost our rental house because it was tied up in a contract of sale and the buyer stopped paying the payments to the bank knowing we could not refinance with a cloud on the title.

We did not have enough available funds to pay for both our house and the rental too. One of our cars broke down and we could not pay the bill so we lost it too. We went from having a $500,000 net worth to nothing in six months. We had to pay our house payment weekly because I was afraid I would not have enough money at the end of the month to pay it. This way I could ensure we had a roof over our heads.

It took us ten years to recover due to the fact that we did not file bankruptcy and we paid almost all the people we owed money. We kept up our tithing with what little income we had which I feel was one of the actions that saved us as we began the turnaround in our life. We have no skeletons in our closet because we paid back instead of taking the easy way out and filing bankruptcy. It took longer but we survived it. My sense of why it happened was I was getting all my validation and self worth from outside of myself rather than from inside. We had to be taken down to ground zero so we could experience that it was not people outside ourselves that support us. We have to support ourselves from our inner power. We learn that over the next ten years.

Now we are back on top again but it has taken all the funds we have earned in the last 15 years to get here. We moved from victims to survivors to winners. We have regained our financial abundance but it is from a different perspective. We know it cannot be taken away from us again. The income flow has allowed us to purchase the items we had always seen out there but never felt we could afford. I have published five books of my own and five more for other authors with our own publishing company. My practice and teaching has expanded all over North America. We are reactivating our foundation. We set it up in 1986 to donate funds to people who found themselves in a bind with no money to pull themselves out. We do this anonymously so they do not know where the money came from. We get our leads from people who know them and send them a money order so they cannot trace where it came from. This way we are making direct contact with no administrative costs draining off any funds. We check the people out to make sure they are in need and will use the money for good purposes.

I published a book about my experience of moving from a physical being having occasional spiritual experiences to become a spiritual being in a physical body having occasional physical experiences in 2001. I feel my introduction to One of the most supportive activities in my life now is being able to network with all the people I have met through the Enlightened Millionaire institute. I feel this support will push us over the top. This is our year to become millionaires and the tools and information is before us. We are taking every advantage of each program to the maximum level no matter what it costs because we know it will push us over the hump. I appreciate everything that Bob and Mark have done to make this possible.

I was looking for a house for my son and found one that had a three foot high lawn. The door was broken in and everything in the house had been dumped on the walls and floors and furnishings. Food, paint, glue, cleaners, oil, papers, dishes, powders, pills, everything.

I went to the courthouse and found who the owner was and then went searching for three weeks with no luck. One evening I stopped by the next door neighbor”s and asked, “How do I get hold of Bob?” “He died three years ago,” I was told. OK, how does one buy a house from a dead man? I did a title search to find out who held the mortgage thinking they would give a deep discount on a three year delinquent loan. It was free and clear. But, there was a personal representative to the estate. I searched again and found her Dad who was very protective of his daughter. I gave him my number and a few days later she called.

I told her I was interested in the house and asked if she”d be willing to take $1000 for it. “It”s been a three year nightmare with the State”, she informed me. She”d be more than happy to be done with it for $1000. It was worth $120,000 before vandalized and there were $140,000 of medical liens against it. I told her I”d be happy to take over her position as personal representative, “When could we meet? Tomorrow?” That was not good for her. A fellow was coming to replace her window tomorrow; however, he had stood her up twice before.

“I”ll tell you what, I”ll come replace your window and then we can talk.” “OK!” The next day it took me about 2 1/2 hours to replace a rotted bow window with a new picture window and trim it out. “How much do I owe you?” she asked. “Well what was the other guy charging?” “$500 and I was supplying the window” she answered. “I can”t charge you $500 for 2 1/2 hours work”, I informed her. “Think of something else.” “Well”, she said. “I wanted the window in and I got it. You wanted the house, so… you got it.” And she gave it to me.

I worked with the State and got the liens released, put about $12,000 into the place, rented it for a year at $800/m and then sold it for $125,000. Good pay for a 2 1/2 hour window job.

Thank you Robert for teaching me to ask.

I got a free tape by Robert Allen from a Multiple Family units guru. On it Robert asked if I”d ever been paid for taking someone’s house off their hands. If you haven”t, he said, it”s because you never asked to be paid. An acquaintance of mine had a friend who needed to get rid of her house and he told me to go talk to her and relieve her of her problem. A few days later, October 10, 2000, I made the 2 1/2 hour trip to the 5 bedroom 3 bath house on 5 acres with a horse barn and about three hours later, left my new property with the deed and $10,000. I couldn”t believe it. I asked and they agreed.

Well, we spent a few thousand dollars on cosmetics for the place and sold it on contract for $379,000 in May of 2001. $300,000 was owed on the underlying @ 6%. I got $20,000 down and carried the rest @ 7% for three years.

What do the numbers look like? 10k + 20k upfront 7k on the spread over 3 years and 59k on the back end…96K total. Not bad for listening to one free tape by Robert Allen, but that”s not how it happened. My buyer got in a bind and gave me a deed in lieu of Foreclosure, (gave me the house back). The underlying owed is now about $290k and it was appraised at $420,000. I get to keep the $37,000, (about 33 after expenses) and now have $120,000 in equity. Where did I go right? I just did what Robert said.

Thank You Robert Allen.

I will be receiving a contract for review today from my printer for my book. The contract will go to my lawyer over the weekend and we should have a deal sometime within the next 15 days.

This all came out of listening carefully to what was needed by Mark and his host of experts at the Mega Book Seminar in LA, becoming an Eagle, being on the protege calls, going to the BEA with my homework completed, yet in the flow, and clear intention, working the process and prayer.

As new protégés, we are focused on the income streams that flow from the marketing and Internet mountains. This is an exciting time as we absorb the principles and strategies developed by Robert Allen and Mark Victor Hansen. These provide an excellent road map for success!

We have developed a web-based marketing plan for our natural health business that is comprehensive and far-reaching. We have developed a Strategic Attraction Plan to identify our ideal customer and the products and services that we plan to offer this customer base. Each segment of our marketing plan is focused on attracting these “hungry fish” and providing information that is invaluable to their health and well-being.

Our website, which went live earlier this year, is currently being updated based on the principles of AIDA that we are practicing and implementing. From this site, our objective is to offer to our clients natural health education through a multi-faceted InfoPreneuring strategy. My sister and her husband have over forty years of collective practice in the natural health field and provide the expertise that is the foundation of our business. My husband and I provide the business and marketing expertise from our prior careers.

We are also protégés of T.Harv Eker and his declaration that speaks directly to us is that successful people do “whatever it takes”! We are so proud to be part of the Enlightened Millionaire Institute and are committed to doing just that –“whatever it takes” to achieve our goals in a principled, enlightened way!

I went to a foreclosure auction at the court house steps. I placed the winning bid and went into action to close the property as soon as possible. On Sunday before the closing I drove by the property. It appeared to us that the people living in the house were making no effort to move out. On Monday I called my attorney who was doing the closing the next day and asked how to get them out. We knew that we could do nothing until after the closing but we wanted to be prepared. The attorney”s office said they had done their work and the owners who had been foreclosed on lived several states away. They nor we had any idea who was living in the house. On Tuesday we went to the closing and took possession of the house. We left the attorney”s office and drove over to the house. I had taped to the back door a notice saying that the occupants where to call me within 24 hours or to vacate the property within 48 hours (this was done at our attorney”s suggestion. As I was taping the a second copy of the notice to the front door a car pulled into the driveway. As the lady in the car is getting out we asked her who she was and in the same sentence we told her we where the new owners. The lady introduced herself and said that she lived there with her daughter and son-in-law. She then called her daughter at work. Within 5 minutes her daughter was home and her son-in-law was there 5 minutes later.

The daughter and son-in-law had an idea that someone would be knocking on the door any day but they did not know what to do. They had been renters for 1 year and really liked the house and the neighborhood. The sheriff had left on the property the foreclosure papers they had passed them on to the management company they paid the rent to but did not know where it left them. They had other complaints about the management company as they had requested that some repairs be made and they never were. We asked the couple what they wanted to do. They said they wanted to stay as renters for the time being but that they would like to buy the house in the future as this is where they want to live. We asked why they did not want to buy the house now and they said they had some credit problems that they were in the process of cleaning up and would not feel right in buying the house until then. We asked when they would be ready to buy the house and they said in the early fall. We asked how much rent they were paying to the former owner. That amount was satisfactory for us. We gave them a lease for the same amount. In the next few months they are giving us several more dollars as part of the down payment and each month we are giving them credit for half the rent payment toward the down payment. We also have a mortgage banker who will give them a great rate on a new mortgage. The tenants are very happy (we have taken care of some repairs that we thought should have been done) and we are happy with them and the deal we have with them. They are a young couple who are trying to make a better life for themselves and their family and we are in no rush to cash out of this home so we are doing our best to help them get that better life.

I presented my first offer to Gary and Kelly on Friday, July 02, 2004 at the Starbucks coffee shop. Gary called me from an ad I placed in the local Sunday paper. Gary had previously tried to sell his property using a REALTOR, however was not successful. On Thursday, the day before my meeting with Gary and Kelly, I analyzed the property and later that day went to the property to inspect it. On Friday, I reviewed with Gary and Kelly the result of my inspection and listed every item that I found needed to be fixed or repaired. Next, I reviewed similar properties that sold in the area since January 2004. I pointed out to Gary and Kelly that they had priced their house higher than the sales price of any house that had been sold in the area since January 2004. I showed them how “UGH” (a company that bought ugly houses) calculated their offers, then I showed them how I calculated my offer. They asked if this was a firm offer. I told them I would review the offer with my partner and give them a call to confirm it. They thanked me for explaining the calculations and gave me the best number to contact them during their vacation. After the meeting was over, I called and reviewed my offer with the member advisor line and with Rick Brown. Both said I made a good offer. I called Gary and left a message confirming the offer and telling them to think it over. If they decide to accept the offer, they could call me on Wednesday and I would have the papers ready for them when they returned from their July 4th vacation.

Presenting my very first offer was a major hurdle for me and I finally did it! I felt very nervous during the presentation, but afterwards I let out big sigh of relief! Now I am ready and have already scheduled a meeting on Tuesday, July 6th to present an offer to a seller for a different property. After presenting the first offer, I now look forward to presenting my next offer! I am grateful for the advise from Rick Brown, Leonardo Diaz (my assigned mentor), and the member advisor line!

While reviewing a website for FSBO/Foreclosures, I came upon a small ad for a 4 bedroom, 2 1/2 bath colonial in an area I”m interested in. When I called the seller, he said he already had a contingency offer on it. I said that if I liked the house, I could pay cash in about 45 days, no contingency; with that, he said “come on down! Let”s talk.”

The home is immaculate, elegantly wallpapered, model home show condition. It”s a 4 bedroom, 2 1/2 bath Colonial with a 2 1/2 car garage in a wooded cul-del-sac area. It has a nice 12×18 wooded deck, new siding, roof/garage door (the garage has lots of wooden shelves and work area), upgraded kitchen, gas fireplace, natural gas, walk-out basement, and rough-in plumbing for a full bathroom. The house has several bay windows, newly asphalted driveway, and lovely landscaping.

The sellers allowed me to buy it about 30k under market, and lock in the price today, even though settlement won”t be until next April 2004 (they”re building a house in Myrtle Beach, SC). This should allow me to gain an additional 15-20k in equity. They”ll even let me show the house to prospective tenants before settlement. Additionally, they”re leaving a lovely mahogeny bedroom suite, Christmas wreaths custom made for the windows, etc, with the house. What”s exciting is that they”re not even requiring any financial hold on the property (I”ll probably give them $1,000 for escrow). The money for my 5% down will come from a HELOC from an investment property I own with about 70K equity. The rent (about $1,800) should provide a positive cash flow, since I”ll probably do a 1 or 5 year interest only financing!

I have my office in this Semi-residential and semi-commercial building. I heard the owner talking to the super that he might be interested in selling this building. So I contacted him that I would want to sell it for him. He declined, telling me that he doesn”t want to pay any brokers fee etc. because he needs the full amount to buy a bigger building. So I asked him how much he wants for it, and he told me nothing less than $1,450,000.00 or else he is not selling the property. I agreed right away on the sale price and wrote up my promise to purchase and included that I may assign this agreement to any one plus I put in another few clauses as a get out strategy,. The seller counter offered that because he is giving a balance of sale, I can not assign it just to “any one”, and that individual must have good credit. I agreed.

I immediately put an ad in the Newspaper using the wording that I learned in the MSI Real Estate weekend help session in California with Glenn Purdy, and got 50 calls! It took about a week of showing the building to lots of people, but by the end of the week it was sold!

I should be getting my check of $25,000 the first week of December, straight from the Notary.

My first week of WIZETRADE PAPER trading after the training course I made $2,610.00 dollars on 10 trades. My second week was a lot lower then that about $800.00 dollars on PAPER TRADES.

I have been concentrating on Real Estate since then, But… I took my 14 year old son with me to WIZETRADE Training and he is up about $980.00 on PAPER trades this week. I think I”m going to give him some real capital to work with in another week or two.

I know this isn”t from the protege training program but it is still cool!

I haven”t started the Stock Market classes yet with Dr. Cooper.

Your secrets to investing with “Nothing Down” have been the basis for my success. The most amazing part of what follows is that I learned these principles second hand. Someone that you had previously mentored taught me. Once I grasped your “Nothing Down” techniques my business exploded. In October of 2000 I had no property in my inventory. As you know, a real estate investor with no property is simply out of business. Applying these principles I was able to acquire $2.3 million worth of property in a 90 Days!

Your impact on my life has been POWERFUL and POSITIVE. Each day is an exciting adventure. I wish that everyone could have a personal mentor to guide them on the pathway of success. For those that prefer the success super highway over slaving for someone else while hoping to win the lottery, The Robert Allen Protege Program is your road to financial freedom.

I bought a 7 story office building in downtown Cincinnati for $750,000 with no money down. With a partner, we sold it for $1,300,000 later.

Had 98 acres of raw land under contract for $650,000 while we had it zoned, platted, engineered for an independent sanitary sewer system, drilled an 1100 foot water well to supply the anticipated subdivision, for access to entry onto state road, and annexed into nearby town. Had a contract to sell property for $1,500,000 4 months before actually purchasing it myself. Closed the sale 5 months after my own purchase, using the buyers contract to purchase to borrow the funds to do so. Did a 1031 exchange out of this deal to buy a truck stop out of foreclosure for $2,000,000. estimate its current fair market value at $3,000,000

Sold 15 unit apartment building for $390,000 that had original cost to me of $295,000. Did another 1031, using proceed of sale to purchase a 30,000 square foot warehouse with fortune 500 tenant, at cost of $1,600,000. Used only $82,000 of my own cash and received all of that back in first 5 months of rental income.

Bought a 30,000 square foot abandoned car dealership building for $200,000 that was bank owned. Sold it 60 days later for $325,000

Bought a closed fast food restaurant for $290,000. Sold it several years later for $700,000.

Have under contract 3.66 acres of land that I purchased for $350,000 to sell for $690,000.

This real estate business works!!! Bob Allen, thank you very much.

I”ve completed the basic RE 101 as my major and Financial basics 101 with Dr. cooper. I”m ready to attack the Real Estate Strategies 105 sessions beginning tomorrow. I”ve started and am in week 5 of Stock Options 110. I pick up the Millionaire Psychology sessions via replay as I can. 

Seeing as I started pretty much the first week into the new year, I covered, learned a lot but have soooooooo much more to learn. It”s like taking a drink out of a fire hydrant. But I”m having fun and getting under my belt enough information to pull off the “ready, fire, aim” principle. 

I went to a conference on real estate in early February by the National REIA association. It was held on a cruise (I know….tough life!!!), but so much information is coming together. In 8 weeks, I”ve learned more about money making strategies than I did in my 4 years obtaining my MBA……no lie.

Sometimes it feels like overwhelm……way too much information to absorb. But then I have to remember that this is a marathon and not a sprint……that I can always go back and review information…..that I can call the main hotlines for one on one advice. Though I may not remember every single tool to use, I will remember the tools are available to go over again.

I”ve got my real estate business cards printed and my separate stock account to handle options only/covered calls only trades in once I”ve gained experience on paper trades. on of my stocks I”ve been tracking as though I bought an option has gained over 20%…..not bad once you see this is over a period of one weekend, Friday to Monday!!!

I”m taking it a day at a time and trying to remember the Enlightened Millionaires guidelines. In fact, my tithing has gone out ahead my officially making any deals. When I look out and see some people are just looking for food today, I realize how much God has blessed me, my “problems” are relatively good problems and I”m in a position to get some people food today….so I did.

I”m looking forward to the weeks ahead. My million dollar check is written to me to be cashed January 12, 2005. And I WILL be cashing it…..no doubts.

Bob and Mark and Kurt and Dr. Cooper, etc…..thank you!!!

I send out several hundred postcards per week to FSBO”s, NOD”s, out of state landlords and any other list I can find. I get about 1 call per 100 postcards, and of those calls about 1 in 3 is a truly motivated seller. The first offer I wrote up was for a property that had been trashed by the last tenants. The owner had filed bankruptcy, and then the bankruptcy was dismissed. She just wanted to be rid of the property before it went to foreclosure, and she was willing to walk away and give it to me.

When I started the “due diligence” process of checking out the property, I discovered it had lots of (major) deferred maintenance, as well being situated in a flood zone. In addition, the owner decided she wanted $5000 to give me control of the property. The potential profit from this transaction, if everything went as planned, was over $40,000, so there was a lot of room to share some money with the homeowner. The only problem was that she wanted her money up front, before she would sign the property over to me.I really wanted to make this deal work, since it was my first offer and I was very excited. My mentors and other investor friends were not enthusiastic about the situation, and because I trusted their experience, I walked away from the property. Since then I”ve learned a lot, and do not spend time on this kind of situation. Now, when a property has too many negatives or a homeowner is not sufficiently motivated, I just say, “Next!”

I”m very grateful to all the people who are willing to share their time and experience to help me, and others like me, have success in real estate investing, and who keep us from falling into “newbie generated” disasters.

Write your Vivid Vision Now! The Results Could Surprise You.

This was the challenge I accepted when I was first introducedto the Enlightened Millionaire program, and the results have been truly amazing. When I sat down to write my vivid vision on December 11, 2002I was determined to make it as fulfilling and rewarding an experience as I could. If, as Robert Allen said, writing my vision was the first step, I wanted to get off on a solidfoundation. I started writing at 10 AM. and did not finish until 8 O”clock that night. I put my heart and soul into creating the vision of what I wanted my life to be like in the next 5 to 10 years.

In fact, while writing, the vision was so real that for hours afterI was through, I had trouble relating to the reality of my present life. I still get goose bumps thinking about it.

Within a very short time, elements of my vision began to manifest.Here”s what happened…

1. A prize was offered for the most outstanding visions, andI envisioned myself receiving the prize. 1 week later in thefollow up teleconference, mine was the first of about 6 visions read, and I received Robert Allen”s tape album set”Empower Yourself and Your Downline” as a prize.

2. Within 8 weeks I made an offer on a beautiful house whichI now call home. As I write this report from my upstairs homeoffice, I have a beautiful view of the intercoastal waters of the Gulf of Mexico. But what gives me goose bumps is that this house, in almost every detail, is an exact replica of the dream house I envisioned 8 weeks before.

3. 8 months later, I completed the purchase of a Skin Carecompany, the revenues from which in time will give me thefreedom I envisioned when I wrote my vivid vision.

4. 10 months later at the Last Minute Millionaire Conference,I got to know Mark Victor Hansen and Robert Allen on a first name basis. In my vivid vision I described them as personal friends of mine.

5. In my vivid vision, I described Bob and Mark traveling with me in my private Lear jet, spending a few days with me at my dream home on the island of St. Eustatius, and being guest speakers on my TV program promoting health, wealth andspiritual development. 

In about 18 months from writing my vivid vision, I expect, as a member of Mark and Bob”s Inner Circle, to travel around the world with them, promoting health, wealth and spiritual development. 

Can you get excited about your vivid vision becoming areality as well? In week 2 of Mark Victor Hansen”s RICH RESULTS news letter,he said: “I’ve always asked people to become visionaries for their own lives, to hope for and inspire toward a bigger vision. Oddly though, it’s those … goals that may seem the most far out that come true in shortest order.

“Go ahead, write your vivid vision. Claim Your Phenomenal Life NOW. The results could surprise you!

1st Deal: Bought a $150k student rental house for $120k, owner financed $113k @ 3% for 25 years with NO REPAYMENT PENALTIES!

I paid $100 earnest money deposit. Prior to close, filed income tax return as a “Sole Proprietor” Real Estate Investor. Canadian Govt cut me a cheque for $7,700.00 – which I used for the outstanding balance of down payment and closing costs…virtually a NOTHING DOWN deal!!

I”m re-zoning the place for 5 students. Room rentals in this market are approx $400/month. That”s $2,000.00 GROSS Profit…on a $535/month mortgage!!!

Step 1, Deal 1, toward my BHAG – Raising $1Billion toward various not-for-profits from my Enlightened products and services to find a cure for cancer and support efforts to abolish childhood sexual abuse over the next 25 years…

My wife and I recently purchased 2 duplexes from a lady that owned them as part of an inheritance. We were able to purchase them with a significant equity position. She was out of state and a don”t wanter. We structured the deal with 90% bank financing 5% seller 2nd, and 5% down from outside investor. Seller pays 3% closing. We based this deal on information from my Creating Wealth with Real Estate by Robert Allen classes taken in fall 2003. This nothing down deal became even more interesting when I later found out that my mortgage broker had gotten me pre qualified for 100% on investment property at 4 units or less. Persistence pays off!! When I first tried to find financing the best I could do is 70%, then 80% then 85%, 90% now 100%.

The duplexes are managed to take away my headaches and cash flow 225 a month each. I plan to purchase 3-5 more this year. The Robert Allen Class has changed my attitude and made me extremely motivated. It”s out there if you don”t mind working for it! NOTE! FSBO – We recently called a FSBO duplex in the same neighborhood. The sign was hard to read and run down. The duplex is in good condition and fully rented. We are negotiating an offer that I believe will go through. It will offer a 30-40% equity position and about 400 cash flow on one unit with no money down! It doesn”t hurt to call and make offers! You may be extremely surprised with the results.

I am a Real Estate Agent and buying properties at bargain prices can be a challenge. However in the right circumstances I can safely do a transaction that gives the Vendor a good wholesale price while I get the chance to purchase it at a reduced price. This particular property I know has real appeal in it”s location, condition, vendor”s flexibility and the potential rental return is definately worthwhile. Also this particular townhouse is positioned in the best row of the complex, making it highly appealing to renters and future purchasers alike.

This vendor called me having seen my sold signs going up on other units in the complex. She was toying with the idea of selling. Initially I was planning to encourage her to let me market it. Which I think she was happy to. I knew the complex really well and have been impressed with the others that I sold and also the Body Corporate management systems they have in place. I actually had a buyer who had missed out on two others I”d sold so let them know about this great unit which was far better than the ones they had put offers in on. I could get them through as soon as possible and if they liked it, list and sell it to them. The vendors were not planning to do anything serious until Jan next year but were open to these folk coming because they were really motivated buyers with good cash in hand. Hmmm.

On meeting the vendor to discuss price and selling methods, she revealed to me what she wanted to cash out. It was realistic and I would have no trouble selling it and after commission she”d get her figure. However after looking over the unit, doing my own numbers, and knowing the unit right next door to it was rented for $600 per week which is a fantastic value. I thought, I”ll give it a shot. I offered her a price a little higher than her bottom line net figure as a private sale. I had not listed it at this stage. She looked at me, smiled and said, “I”ll take it!!”

Now I had in the meantime arranged for these other buyers to come through. Oh dear. Unsigned listing, I”m obliged to these buyers. I can”t take it from under their nose at a lesser price than they would buy unless they say no. What if they want it?? OK this is definitely in God”s hands. I picked my wife up at her lunch hour and took her through the unit. It pays to keep the other partner informed! She was happy with it, could see the potential and liked it”s presentation and potential.

I had a colleague of mine bring the other buyers through. That way I”m not in a position of influence. My wife and I went away for the weekend and as you can imagine were praying very hard they would not like it.

I rang the agent as soon as I knew they”d been.

“Oh” she said “they love it” \r\nI gulped! ” Oh really” I said “That”s great!” thinking “liar!”.

“But you know what” the agent went on. “Amy”s father rang the day before and her mother has just been diagnosed with “Multiple Sclerosis and it looks like they are going to have to completely review their buying ideas and look for something for her parents to live with them also.”

“God” I thought “you didn”t have to go that extreme. Why couldn”t you have have just made them hate it!”

A very sad situation and as a result the buyers have now said an emphatic no, our prayers were answered, not quite the way we expected, they are happy to move on, thanked me for giving them the opportunity and I have now the green light to go ahead and have our offer written up and signed to go unconditional on 26th Nov, with no obligations to the Real Estate company. The property was never listed.

Having done the sums and checked out loan rates, we are looking to make a gross return of nearly 25% above all costs for the town house every year. If we get a good offer meantime we”ll flip it. But in the meantime we think a hold on it for a couple of years at least will make a good little profit from it and will enjoy renting it to a business couple who can take in a student as well if they wish to rent the third

My wife and I bought this property with some relatives for $170,000 and eventually bought them out for $30,000. and refinanced the property and took some cash out to buy our next home. The cash we used was borrowed so it was a no money down deal.

We did this without knowing these principles. I just realized this today, July 16, 2004.

It was meant for me to be at this retreat.

I joined my company in june of 2000, and my first check was in july 2000. It was for $17.00.

Since then I have sponsored several others and have learned how not to do the business.

Monetarally, I have not realized the profit yet, but we are growing and I have eliminated my bad habits and have become enlightened.

2004 is a wonderfull year and is the year I earn my first $100,000.00.

I started finding out about real estate just over a year ago, when my business went bust and I was in complete financial crisis. I was given the “One Minute Millionaire” book by a lady I met at a seminar, and reading the book really did change my life for the better! At first I was very hesitant about getting involved with something completely new to me like this. But I literally had nothing to lose, as I had no job or steady income. Plus I realized that I”d unconsciously followed all of Bob Allen”s principles anyway, when I”d bought my house for no money down in January 2002, and it”s already almost doubled in value! Some of the equity in the house I used to pay off the massive debts I”d gathered by the failure of my business. But there was just enough left over to help me finance my first investment property.

In summer last year I was looking around for multi-units, as I felt this would be the best way to make a regular income from real estate. I couldn”t find anything affordable in my area, so I was starting to look around other places. Scanning the local paper one day I found a motel for sale, 32 units, in Winslow Arizona. It just so happened that I had visited Winslow on vacation the year before. So one night after work (I was performing in a play at the time) I drove to Winslow – much to the surprise of my friends – and went to see the motel. Well it really was a fixer, but it was actually cheaper than my house had been when I first bought it! For 32 units with already a good income on them, I thought this was a deal. When I got back to LA, I told my friend Michael about it. Michael has been working in real estate for about ten years, fixing up and selling houses, and he had been encouraging me to get into real estate for ages but I hadn”t listened to him till now. Originally I just wanted his advice, but when he heard about the deal he asked if I”d like to partner up with him on it. So I said yes, because I felt his input and experience could be very valuable, and I felt nervous about doing this first deal on my own.

To cut a long story short, we made our first offer in July 2003 and finally bought the place in October 2003. We encountered a lot of challenges in buying the property, but every challenge just made us stronger and more determined. We decided that our experiences would provide us with lots of stories to tell people when we start doing our own seminars about real estate investing!

The listing agent on our first motel told us that his friend was also selling a motel, in Raton New Mexico. So we refinanced the first motel and bought the second motel for cash. Michael then went on to buy two more motels on his own, and I”m looking at two more to buy on my own, in Colorado and another in Arizona.

Suddenly, we”ve become motel moguls! Despite daily challenges and things to deal with, I”m really loving this new life of mine. Finding the properties and working out how to make the deals is very exciting. Plus I get a kick out of traveling all over to new places I”ve never been before. And I love the fact that we”re renovating these old buildings and making great places for people to stay, plus we”re creating jobs for all the resident managers.

I haven”t yet made enough income to give a lot to charity, although I am keeping a 10% tithe in a specific bank account for that purpose and I have a list of organizations and people I wish to give the money to. It will be so exciting when I can give my first large check to a group I believe in.

I have to thank the Mark and Bob group for; all the enlightenment I have received has given me much strength.

When a family situation happened and I co-inherited 2 properties I didn”t agree to sell, I said great opportunity to apply what I have learned.

All the creative ideas, skills and knowledge I have learned from Mark and Bob have made my worth almost 3 million dollars.

I am excited and planning to attend the Anaheim retreat and participating in the Awards program! I have to Thank the Mark and Bob group for all the enlightenment I have received.

With much love to all involved

I”ve been in the Internet marketing business for almost 10 years. The first 3 years were the worst years of my life. I began the company in an undercapitalized situation and I soon had collection agents hounding me and the phone company threatening to cut off my phone. My anxiety was chronically at extreme levels and my health was terrible.

I read Multiple Steams of Income and was encouraged to learn of all the other ways to make money. I persisted when times were tough and now I”m a multi-millionaire living my life by design. I work in my pajamas from my dream home with my backyard on the ocean. I get to hang out with my family whenever I want to and I get to meet all kinds of interesting people through my travels.

My success story is really very small in many ways but seems huge to me right now. I have only written a query letter for my book. I am very excited about it because the training I have had with EMI has made my initial “small idea” into a multi-million dollar idea.

I am taking my book idea and adding on many different products to support the healing and life transformation methods included in the book. Thank you EMI Team for being such a wonderful energy in my life!!!

I am still working on my team, my main team member, my step father, died on Fathers Day. He was a driving force in my life and will be impossible to replace. He helped me research marketing and different suppliers to support my ideas and products.

I got a call from my real estate agent today with verbal acceptance of a contract we offered on a bank foreclosure.

This is our first deal! An $83,000 1700 square foot brick home with a beautiful pond and view in back in definite need of some TLC! Comps for the area project an ARV of $130,000. Is it really this easy? I guess we”re fixin” to find out!

Backstory:

Following advice learned in the Robert Allen real estate course we attended last month, I started looking on the internet for foreclosures.

A web link led us to a mortgage broker who we called then met and got preapproval for a loan.

With that in place, I contacted three real estate agents to look for properties.

Meanwhile, in a strange twist of fate, my wife was assaulted at her place of employment by another worker who had been fired that day. We took this as hers cue to tell her employer (a bank!) that we no longer required their services.

She received a measly 30-day severence from them with an agreement not to say anything to make them look bad.

Up to this time we had intended on finding some foreclosures for renting out.

After the change in our monthly income due to her job loss, we decided to focus on finding some fixer uppers which we would then flip. I have a good bit of construction experience and a lot of repair experience, and my dad is a carpenter getting up in years but still looking for work. Seems like a win-win situation to me.

Anyway, things are lined up and ready to go. Meanwhile we”re working another stream of income with our network marketing business which we”ve received three checks on. I also do occasional video work on the side as another stream of income. Full time, I”m an Army officer. So our multiple streams of income are beginning to flow!

We”re already sharing these concepts to anybody who”ll listen! And we can”t wait for the day when we can donate a goodly portion of our profits (above our tithe) for some special needed project.

I took the Robert Allen Real Estate Seminar in October of 2003. I made my first deal involving a small house in Arlington,Texas with a partner for $45,000. We sold the house in February 2004 for $89,990. This was the first profit I made after the seminar.

In May of 2004 I purchase my first rental property for $86,250. The property appraised for $115,000. I am presently renting the property for a cash flow of $350.00 a month

Last night we received an e-mail regarding a rehab for sale. The house is going for $1,495,000, but it”s after repair value is in the neighborhood of $2,000,000. Our Protege Mentor called shortly after that for our weekly training call. We talked briefly again about filling out the contract, and I filled it out last night and attached the escape clauses.

Out of all of the real estate related things to do, the contract worries me the most. I hate filling out paperwork. Especially anything I have to sign. I faxed it up to our mentor a couple of hours later and we went to the movies.

Our appointment to see the home was at 1 o”clock today. Great neighborhood, George Steinbrenner lives 4 or 5 houses down. Seven bedrooms/seven baths, a boat dock, one two-car garage, one single-bay garage, over-engineered to stand the test of time. It was a divorce situation and it hadn”t been finished. The owner still had people working on it, was willing to re-do things, and explained the concept he and his former wife had had for each room. Most things were built the way she wanted them, so he didn”t want to keep the house. Great place. The owner is looking to move it in the next week or two.

There were a couple of other investors (partners) there from the local Real Estate Investors Association and the lady brokering for the owner (who was living elsewhere) is also a member. We had joined last month, so they all gave us tips along the way. When the tour was over I handed her the contract. The contract stated we”d put down a $250 deposit on the $1,400,000 and needed 45 days to close. We put in several “subject to” clauses, including the right to show the place ourselves, and I signed it “and/or assigns”. The broker informed me he would be against that, and I had already been informed that he wanted it done in the next couple of weeks. I gave her the contract anyway, but I expect it to be rejected…but that”s okay. It”s the first of many more I”ll be writing. My wife, and I went to lunch. I was still a little nervous, the seller is a lawyer and I could just imagine myself getting stuck with that contract and him doing nasty, lawyerly, things to us, even though I had put in all of the right clauses. Our mentor reached us on the cell phone while we were at lunch and told me the contract looked good and I had nothing to worry about.

That”s it. The first one is done. No more worries. It”s on and up from here.

Eight weeks ago I knew nothing about options trading and felt it was something beyond my capablility to fully understand and use successfully.

The results I attained while participating in Dr. Cooper”s “Paper Trading competition” were outstanding. My overall investment increased by 27% in a matter of three weeks, with some trades moving up substantially higher.

Here are my best results:

Expedia Oct 50 call moved up from 7.00 to 10.70 for a gain of 55% in 12 days.

nasdaq Sept 26 call moved up from 2.10 to 3.30 for a gain of 57% in 15 days.

Qlogic July 40 call moved up from 3.80 to 6.00 for a gain of 58% in 8 days.

I was listening to Bob Kokott’s calls on Foreclosures and was inspired to work the Pre-Foreclosure market. I was sending out letters to people who were about to lose their homes. I was contacted by a man whose mother is paralyzed form the waist down, his dad was going through cancer surgery, and he was going to be foreclosed on in 4 days. We were able to work out a deal so that he sold his SUV, endorsed the check to me so that he could get access to the funds right away, and I kept the difference in what he owed the lawyers and what the check amount was for.

I was able to allow him to keep his home. He cried when this transaction happened. The feeling that gave me was priceless.

We can indeed help others and ourselves without being dishonest or taking advantage of people.

I had been investing (on my own, as well as through a “paid Financial Advisor” for several years. While initially the investments were going well, during the late 1990″s and early 2000″s and the dot-com bust of 2002, my investments took a nose-dive. I got no help at all from my “paid” Financial Advisor, who DID NOT protect me during the downturn, by not advising me to get out of certain stocks and vetoing my personal gut-feeling sell requests. (He got paid based on a percentage of the $ actually invested in the stocks and bonds, and not on cash reserves in the acct. So he was always reluctant to be in ANY cash position, and also continuously stated that certain depreciating stocks were NOT yet on a downgrade, so I should not get out of it, while it steadily continued to depreciate.) I finally got disgusted with this very clear case of self-interest/conflict-of-interest on his part at my expense. After my portfolio shrank to a third of its original value and after he had made several tens of thousands over a 3-1/2 year period, I “fired” him in December 2002, and took charge of my own investments.

At about the same time, I also got “right-sized” by my employer, with just a few weeks of severance pay, and finding a suitable position over the next year produced few tangible results.

I decided that either I could sit and blame my “misfortune” on others or take my life as God was giving me, and upon prayer, I decided to improve my skills through learning, and doing.

I had heard of Robert Allen through some e-mail as well as an ad in Newark Star Ledger. I took the “plunge” and attended a session of the 3-day Creating Wealth Through Real Estate seminar, in New Jersey, in late June 2003, and, as part of the follow-up, joined the protégé program. The “other” multiple streams of income (about $5,600 in the past month), such as Stock Trading, and Book Publishing appealed to me very much. While I am making some modest and steady gains in stocks, I am in the process of writing a book, and hope to convert that opportunity into a seminar teaching.

I attended The Millionaire retreat in Los Angeles in October 2002. After the retreat, I was so excited I tried many things: real estate, network marketing, notes and stock trading.

Results I lost my job, and went broke a year later.Now, let me tell you the beauty of all that. First and foremost, at the retreat I met the woman of my life, just for that reason it was worth all the millions of the world. She is priceless.

Then, I offer myself the best gift I could ever receive: I found who really I am.I remember one day I was supposed to get paid $15,000 for one of my real estate deal. The deal closed and I end up with $2,000. This was not enough to cover all my bills. After a day of panic, I asked myself: “so now what’s next?”And here is my answer: “Well, I paid my rent for the next month and I have my computer; I guess I’m going to write the book I always wanted to write!”The day I started to write my book, my world changed, no more stress, I was happy and fulfilled for no reason, just bliss. Bob Allen and Joyce Edelbrock helped me tremendously in the Infopreneuring course. They open my eyes to the endless world of Infopreneuring. Their support and entertaining teaching style were an immense source of inspiration. Result: I’m going with Bob and Joyce to the Book Expo America 2004 and today, I do what I love and I love what I do.

My Father soared over the 19 year olds car. Dads yellow Ducatti racer motorcycle skidded off without him aboard. My Dads helmet protected head impacted with a sick sound, wrist bones shattering like uncooked pasta. He sprawled crumpled in the fresh grass, not moving. Or breathing. Speedy life savers arrived with skidding tires, lights and sirens ablaze. The “Life Star” helicopter lifted off as open mouthed strangers strained to see who or what had happened here. Trauma center. Worried professionals rushing along well lit corridors. Blood. Tubes. Slow drip of an I.V. Respirator. Not breathing on his own. COMA.

After a long, long story, we pulled the life support, and my Dad died in hospice. These events however, led up to the purchase of my first investment property.

Details:

3bd/2.5bath 1500 sq feet, Track home , golf course community, H.U.D. repo, 100% financing for $240,000 $1600 P.I. (actual payment) 1875 P.I.T.I. comps came in at $260,000-265,000 we won the bid by 1500, asking for .5% paid by H.U. D.

Almost no work to be done. Lots of clean up true “sweat equity” closed in 3 months, total out of pocket $6,000. Ran adds for lease option, HUGE response. Signed 2 year lease with family who said “this is a miracle for us Chris” Payments of $1895/month+ deposit of $1,000. Used Robert allen Lease option form.

Couldn”t have bought it without my wife!

Who gets paid/wins?? My wife and I get paid, plus experience. Agent gets 14,000 in commissions, lenders paid, H.U.D. rid of problem, and net profit, Neighbors happy because only brown yard on street is getting fixed. Leasees get to own a home after 10 years of renting. Tenant is concrete contractor with bad credit, but makes about $8,000 per year. His landlord of ten years states that he always is good for the $ and is an excellent tenant. Robert Allen gets credit for protege program. Real estate agent gets referrals from my newspaper add. I get 10% of any commission from his referrals. Win/Win/Win.

WOO-WHO! I”m getting excited! And to think that yesterday morning I was feeling really disgruntled and unhappy that none of the places I”d checked out had appealed to me.

My realtor and I looked at the insides of 3 properties yesterday and walked around a fourth. The first (exterior tour only) was a 4-plex. Ok shape, not the greatest. Owner asking $293k for it, rents $650/unit.

Across the street was another FSBO 4-plex with (get this!) a 2/1 house included– for $367k; total rents were $3670 per month. We toured the insides of both… and discovered that they both had huge amounts of deferred maintenance and physical problems that were beyond me. Not to mention the two properties are on one lot and cannot be split apart (I”d have to check on that, but I”m not inclined to go in on those unless I had a developer or someone very interested in doing huge amounts of construction on them!).

But we DID tour a meticulously well kept (“cream puff”) duplex in the same neighborhood… it”s an area of town that is slated to have an old vacant brewery updated and modernized by an architectural firm. Asking price on the duplex is $200k, owner-occupied (15 yrs!) on top, tenants paying $750 on bottom. Tenants pay all utilities; owner is only responsible for taxes, insurance, mortgage, and trash.

Owner doesn”t want to close till July or August (she would lose her medical assistance if she sold it & rented the rest of her time in it until she can move into her new condo)… but I am going to put in my offer anyway!! Never hurts to offer; the worst she can say is “No” and I”d be on to the next.

My mortgage broker says, “Excellent! Looks like it will cash flow. If you can get your hands on 10% ($20k) for down payment, I can even line up 1.95% financing for you.” Yowsa, if she accepts my offer, it looks like I”m going to be attempting to “beg, steal, or borrow” $20k over the next 4 months. Hey, I can do that. The only downside to a very long closing date is that my lender can only lock in rates for 60 days… unless I want to pay $750/month for the privilege of locking in a rate. If I knew I had access to $20k, it”d be worth it. Not till then.

Now if I can just re-educate my realtor a little more… she still seems to be unable to shake the impression that I”m going to stop at buying one property and wants me to look around some more before deciding on a purchase. I”m NOT stopping at one, are you kidding??

My success story may seem small by comparison, but it”s a big step for me, and I know it is a stepping stone for future successes.

I have now completed giving 4 financial seminars, from which I am gaining new clients and making money. I was so afraid to get up in front of people and speak, and I must say I procrastinated doing this for over a year, even though I knew it was an essential step in my marketing campaign. So, I found a partner and finally did it! It was a great experience. Not only did I find out that I wasn”t so afraid to do it once I was up in front of people, but that the seminar attendees thought I was great! What a confidence builder. I”m ready to get going on the next seminar!

Well, I”ve only just started with EMI! However, so much has changed since I started 2 months ago. It has blown my mind and made me realize there are opportunities everywhere. I”m just about to start paper trading with options and am really excited about it! I”ve just started Karen and Duncan”s 105 Real Estate course and know that by the end of it I”ll have at least one deal, I”m determined. It”s quite a challenge in the UK as you can”t assume mortgages etc. and there are other differences but I know I can still find a great deal if I do my homework.

I would say that the success that I”ve had so far is that the course has completely changed my mindset. I”m confident that if I follow the system I can be a millionaire and help others on the way. It”s made me realize that it”s not greedy or immoral to want financial freedom as long as you do everything in an enlightened way.

Thanks guys! You”re brilliant!!

We are starting to see the results of our marketing and networking pay off. Our training is starting to book up and we”ve even had our first sales of our e-book via our website.

We”re passionate about learning from what”s working & what”s not, so check back here in a couple of months and we”ll have some amazing stuff to report!

I was going down the path to poverty when I was a teenager, living by my mother”s philosophy of don”t pay your bills if you don”t want to because they can”t squeeze blood out of a turnip, when one day a bill collector called me wanting me to pay my bill. I told him I wasn”t going to pay it because they can”t squeeze blood from a turnip, then he informed me that my credit would be ruined for the next 7 years if I didn”t pay my bill. That creditor educated me at an early age of how the credit world really works, fortunately.

Since then I have been very conscious of my credit score, and when I got married, my husband and I wanted to buy a house. I went to the library to check out some books on how to buy houses and found Robert Allen”s Nothing Down book. I loved it and signed up as a protege.

We”ve bought 7 properties, three mutual funds, sold stuff on ebay, have three businesses, tax lein certificates, giving money to charities, and we have a great lifestyle with two spoiled, happy children. All of these are thanks to the Robert Allen Protege program.

You might say that my success is a work in progress. As March 2004 starts, I look forward to the future.

Three years ago, I read Robert Kiyosaki”s book “Rich Dad, Poor Dad” and started collecting and reading his book list. One of the books was “Creating Wealth” by Robert Allen. I found “Creating Wealth” and then “The Challenge” in used book stores. These led me to “Nothing Down for the 90″s” and his web-site and the protégé program. A whole new world opened up for me and the possibilities were and are still staggering. I have been involved with the protégé program for 2 years. It”s been a challenge to bring my mind into discipline and focus. I studied and read and even made some offers on properties while I was still employed at my last job, but the confidence was lacking to follow-through on any deals. 

Then a year ago, I lost my job in 9 days. Having always been a hard worker and never having lost a job, it was a blow to my already ragged ego. (very mentally abusive boss) Well, desperation can be a great motivator and I went into things with a vengeance.

I started be reviewing some of my real estate course work and started going to Sheriff”s sales. I started looking through the paper and real estate magazines. I collected business cards from possible buyers (I didn”t have any money and I hadn”t quite got the -No Money Down- concept yet). Since then, I have helped buyers purchase 4 houses and although I haven”t received much income from this, the experience is invaluable and my confidence in what I”m doing is rising.

I started studying my stock charts with a definite purpose. And in 14 months I was able to make a 67% return on options trading. I have also taken the initiative to design and submit an invention to the Patent and Trademark Institute, which is coming up to the market research phase. Hopefully, it will be on the market in the next 6 months. (Sometimes I”m not as patient as I should be).

I have also written a children”s book and am working with my cousin Pat to illustrate it. Then I would like to self-publish it. So, although I haven”t shown a lot of immediate profit, the potential possibilities and the hope that I now live with have given me new focus, initiative and direction. I have learned about goal-writing and how to plan my life instead of letting everyone else plan my life. It”s great to KNOW (really know) that I am in charge of my future.

I have recently accepted a part-time job teaching at a local college, but I know in my heart that I”ll never have a full-time J-O-B again. There are too many ways to have a life instead of earning a living.

I would also recommend saturating yourself in positive, motivational tapes, cd”s, and books, as well as getting around right-minded people either in person or by conference calls. I would have fallen back into my acceptance of low self-worth without these positive influences. I send a huge thank you to Mark Victor Hansen and Robert G. Allen for the “Success Strategies” calls and to all the speaker-guests. And also to all of the helpful people at the Enlightened Millionaire Institute. You”ve helped turn my life around.

Upon signing up for the Real Estate Mountain and receiving Robert”s Road to Wealth and some workbooks for getting started building my “Golden Goose” (per Harv Eker and his mentors), I read the Road to Wealth and saw the property evaluation grid; I immediately thought of a property on my street right around the bend which met the criteria of a “don”t wanter”. I went to the county courthouse and got all useful data for establishing property value and value to owner. From comps I figured the “repaired market value” at $550K but current value @ $350K and loans outstanding @ $136K.

I was ready when Bret Ehlers from PMG called–he was assigned as my mentor for the next 6-10 weeks…I can”t remember now. I told Bret about the property on my street and my sense, at the time, of no cash available. Bret recommended I go to look for properties in nearby areas that weren”t quite so expensive. I did find a property at $250K value but the owner wasn”t flexible enough. And, I learned I”d have to drive an hour away to find more of these. Bret offered a phone script for identifying a true don”t wanter before I”d spend the time and gas, in the future, to check out the property 1st hand. Bret also provided a fast track system for buying first properties, with my goal to earn $100K to $1M in 90 days.

From here, I insisted on at least making an offer on the property I”d already located on my street. I planned to split the equity with the owner, so I the $214K (refer back to paragraph 1-end) divided by 2 = $107K. I wrote an offer for $321K with a cover letter introducing myself and enumerating the benefits I could provide when he called me and I left my #. His # was available no where, not the web, not anywhere I could find.

Unfortunately it was difficult to make more progress just then; I was booked solid with 2 major volunteer groups and many other commitments, including my dance instruction business. None but the dance instruction business were bringing me closer to my life goals of funding any long term care I may need, funding active retirement in my desired lifestyle, including 10% contribution. It took me 3 months to clear my calendar.

Then I started getting together my Dream Team–Mastermind Group. I quickly and easily met a RE broker who has become my business partner–at a Business Expo, a peer was telling me of his interest in dance lessons for him and his wife. He told me what he did and I asked what his wife did. When he said she was a RE broker, my antennae were up for Dream Team members, and I said I”d like to meet her. Jo Preston and I arranged to meet, we found our strengths balanced each other, our values, energy and enthusiasm aligned and “the rest is history”.

In Nov 2002 I attended a Millionaire Retreat and met Jeff Kaller who told about the $9-$11/mo cost of tracking down ph #”s. I was still interested in the property on my street for two reasons: 1) if the owner could be turned into a don”t wanter, it would be easy to deal with the property and owner because of the proximity, 2) I really wanted that property in my neighborhood cleaned up. So I tried this service but, in this particular case, I got as close as a sister of the owner of that property but never reached the owner and he never replied to my mailings.

I did try two additional mailings, insuring that I was mailing the offers to the same location as the county was mailing tax bills.

My win: I did write this offer (along with 3-4 others in my first 6 months).

My learning: 1) Don”t wait for reply to send out offers on other properties, 2) Keep, at least some, unresolved property info to return to when owner”s circumstances may have changed, 3) when an owner doesn”t reply, a good response for me is, “NEXT!” and on to next best property to make an offer on.

I wanted to share something miraculous with you that happened since I have returned from our Speaker”s Training with John Childers.

I have written a book. When I returned from our weekend in Las Vegas, I was invited to do a half hour TV talk show on my book. Out of that opportunity, I created 7 different products and begin shooting my video series to go along with the book shortly.

We had gotten to the point that we needed a bigger apartment, or a house. I was committed to quit paying rent, and throwing that money away every month. We had been to a lender and been pre-approved for a mortgage. We just had to find the house we wanted in the right price range.

I have lost track of how may houses we looked at before we found one we liked. We had contacted a realtor, and used their “Drive-By” list. We had seen the interior of about a dozen homes. We were out with our realtor looking at homes when we saw a for-sale-by-owner on the same street. We made the mistake of stopping then to look rather than coming back without the realtor. The realtor went to the door first, and bargained with the seller before we saw that house, so we were obligated to let her help with the deal if we decided to purchase.

It turned out that this seller had been trying to sell for quite some time, and was waiting for the “right” buyer to show up. They had had several people interresting in the house, but none of them felt right to the seller. The seller wanted to sell to someone who had similar religious beliefs, and could continue the “missionary work” they had been doing with the neighbors. They had been fasting and praying that day that the right buyer would come.

We liked the house. On impulse, my wife asked about the local church congregation, and where they met. This was the signal the seller had been waiting for. Now the seller was on our side, and would do almost anything to help us get the house. They told us details of exactly what they needed to get out of the house.

The next evening, I called the seller directly to try to make an offer that would save us the expense of realtors commissions. They said they would be willing to take the offered amount, but they had committed to our realtor that they would work through her if we bought the house. I called the realtor, and got her working in the paperwork to make the official offer

We had gotten to the point that we needed a bigger apartment, or a house. I was committed to quit paying rent, and throwing that money away every month. We had been to a lender and been pre-approved for a mortgage. We just had to find the house we wanted in the right price range.

I have lost track of how may houses we looked at before we found one we liked. We had contacted a realtor, and used their “Drive-By” list. We had seen the interior of about a dozen homes. We were out with our realtor looking at homes when we saw a for-sale-by-owner on the same street. We made the mistake of stopping then to look rather than coming back without the realtor. The realtor went to the door first, and bargained with the seller before we saw that house, so we were obligated to let her help with the deal if we decided to purchase.

It turned out that this seller had been trying to sell for quite some time, and was waiting for the “right” buyer to show up. They had had several people interresting in the house, but none of them felt right to the seller. The seller wanted to sell to someone who had similar religious beliefs, and could continue the “missionary work” they had been doing with the neighbors. They had been fasting and praying that day that the right buyer would come.

We liked the house. On impulse, my wife asked about the local church congregation, and where they met. This was the signal the seller had been waiting for. Now the seller was on our side, and would do almost anything to help us get the house. They told us details of exactly what they needed to get out of the house.

The next evening, I called the seller directly to try to make an offer that would save us the expense of realtors commissions. They said they would be willing to take the offered amount, but they had committed to our realtor that they would work through her if we bought the house. I called the realtor, and got her working in the paperwork to make the official offer.

The paperwork seemed to take forever, and to have small problems at every turn. The closing date was set for about a month away, and they needed proof that I could come up with the down payment money. I worked up the budget information, and could calendar out where the money would come from by that date. Then they moved up the closing date, and wanted me to have the money now. I had to borrow the money from my parents (They had to sign a paper that said it was a gift, but we all knew it was a loan.), so that it would be in my checking account when the mortgage company checked my accounts. The sellers brother was a realtor, and kept encouraging them to find another buyer because he didn”t think we would qualify. He kept trying to make it harder for us (I still have never figured out why he was trying to sabotage his brothers sale).

The closing day finally arrived. We spent about 2 hours signing a ream of papers, and the house was ours.

The original sale was for $85,000. We have refinanced, and used equity for other purposes, but the house is now worth at least $135,000.

I met with a realtor after our first session to see a home that was in pre-foreclosure. This home did not fit the bill since the owner wasn”t really motivated and really did not have any negotiation room since she had borrowed 100% when she financed it the previous year.

However, the realtor and I had a nice conversation and I explained to him what I was looking for and if he came across anything to let me know. He put me in touch with a mortgage broker that handles one of the local mortgage companies troubled properties.

He offered me a deal on two units of a 4-plex that had a deed in lieu of foreclosure signed over to the mortgage company. The units were appraised at $150,000 each. The mortgage company had notes of $110,000 on each unit. I had my realtor write a contract offering them $102,500 for each unit with $2,500 down on each unit. I gave them $2,000 up front with the contract and a promissory note for the remaining $3,000 due at close. In addition to this the mortgage company was to carry the note at 6% interest and set aside $5,000 in escrow for fixing up the units. They accepted the offer.

Now for the second part of the story. During the title work it was discovered that the previous owner had put a second on the two units and a judgement against him that he did not disclose to the mortgage company when he did the deed in lieu of foreclosure. This has stopped us from being able to close and get clear title to the property. Now the mortgage company has made the following amendment to the contract. They will increase the fix up amount in escrow to $7,500, will close the property in escrow, and will not require loan payments on the property until the official foreclosure is finalized January 24, 2004. If for some reason this does not happen they will refund all out of pocket money and cancel the contract.

I have already had the units inspected and they were cleared of any problems other then the cosmetics that need to be done. I have ordered new windows for both units for $3,500, new carpet for one unit for $1,200 (the other unit has new carpet), new stoves and refrigerators for both units for $1,300, and contracted out the drywall, countertop, window blinds and painting which comes to $3,000 for a total of $9,000. Both units already have new cabinets in the kitchen and bathrooms. The carpet and appliances were purchased at Home Depot and put on a new charge card that has no payments and no interest for 12 months. This gives me $1,000 left out of the $7,500 to use on cleaning the carpet in the one unit and having both units totally cleaned.

Since I can”t sell them until the foreclosure is finalized my plan will be to go ahead and list them for sale with a January 31, 2004 close date and will consider an early move-in if they have pre-qualified for their mortgage. The market value on the units after they are fixed up is between $150,000 and $160,000. This leaves me a lot of room to negotiate and still make a nice profit. We close tomorrow and start fixups next week.

Went through the courses with Dr. Cooper, and have had a ball paper trading (so far) using the TTC template that”s taught in class. Hoping to do well in the 90-day stock market challenge as well (although just on paper to start).

I can see the idea behind the concept, and I”m hopeful that with enough practice paper trading that I”ll be comfortable using “green presidents” as well.

I”m planning on going back and listening to the classes again on MP3 (a great way to learn on a long commute) and continue to reinforce the concepts (and work on exit strategies, which I”m still a little weak on).

Also–the “OnlineOption” website is wonderful, especially the “War Room” (BBS style message system). This is quite helpful where others can share their wisdom and experience with others.

We began paper trading in the 5th week of Dr. Cooper”s class. We had actually gone through the class once before and then hit and miss on a second round through due to family interruptions at class times. This time we had enough focus to start to break through the real understanding. We also relistened to Dr. Cooper”s tapes that we received in our Protege program at least three times. I had never known even the vaguest principles of the stock market before Dr. Cooper”s classes and tapes. We paper traded 10 stock options and made a profit on 8 of them.

PHS Aug 45 Call brought us a 32% profit in 28 days, PHM brought us a 78% profit in 3 days, and then again an 82% profit in 25 days. QQQ brought us a 40% profit in 9 days. SNDK brought a 66% profit in 28 days. BLL brought a 66% profit. CECO, a 20% profit in 18 days. DNA brought an 87% profit in 4 days. GPRO brought a 100% profit.

I have been trading the Australian stock market for over 2 years and scrapping 1% here and 5% there.

I attended to Dr C. classes in Feb 04. My first few trades made me around 38%. A few months later and a lot of study I started to develope my own style using Dr C. as my base. It all clicked 5th August 2004, this is ironic because my goal card reads, “I am so HAPPY that I SEE, HEAR, and KNOW that I will achieve MARRIAGE, GOOD HEALTH, and at least one CHILD. I will become RICH and a MULTI-MILLIONAIRE before Saturday August 5th 2006 by 10am and it could happen sooner.”

Now this statement may be premature, but I moved in with my long time girlfriend and my future became clear as to what to do on this day 5th August, 2004. (It looks like i”m going to be a multi-millionaire within two years whether I like it or not.) My trading system to this day 19 Aug, 04 has become profitable one after the other, in any market direction. I can see the money clearly comming in, all I have to do now is rake it in.

It was amazing, we sent out an e-mail blast and the next thing we know, we got an order! We had to wipe are eyes to see if it was for real. We received the money and the Affilate sent out the product. It was so easy!

Thanks Robert Allen For your great coaches at PMG Mentors and special thank to our coach Dave Mink.

Started the EMI program in November 2002, and focused on the Real Estate. Read, listened, scanned the newspapers. Scared, nervous, timid to make the first call, the first offer, but did it anyway, with a slow start.

The real estate market was warming up and then became hot. By the time my confidence grew, the market was so hot, the houses were on the market for only hours or days. Got doubtful and questioned if it would work. My wife came on board and help, looking for house, expanded the search area, and started looking for a bigger house to live in. I had only been focused on rental or flipping. She found a to-be-constructed house out of town, which had just fallen thru, just before they poured the foundation. December 2003 the builder had a crew ready to go and no buyer, so we got a good deal and rolled the money into increasing the size of the house to fit our large family. My wife was nervous that we paid no money of our own for the house. We worked the equity from our original home to get a line of credit to cover the down payment and then financed the new house thru the bank. The house was built in 5 months, and presently has increased in value nearly $60,000.00.(2004 Jan to Aug)

We also successfully rented out our original house. What is really amazing it that for basically the same mortgage payment, we now have increased our potential equity from $225,000 to $575,000 and with none of our own money

it was scary, stressful and pushed our comfort zone majorily, and we are so glad we did it. We are thrilled at moving in, developing a residual income and having a bigger house with the 4 children. It is quieter and the kids have their own rooms. A definite improvement in our quality of life, and a step towards more free time and financial independence

10-20-03 Action is my success. I drove by a property on Davis St. and called fsbo. Fsbo said, “Help” and I said, “Here I am Lord, I can help”. Wrote an offer at $79,900. They said, “Yes”. I ran an ad for lease and for sale. $1,500 lease and 100% financing $955/month. By 10-26-03 5 showings for $1,200-$1,500 who want to move in now and 7 showings to buy now. 10-26-03 I wrote an earnest contract on notebook paper at $100,000. My mortgage broker said we can close on my deal 11-03-03 and cash in on $100,000 deal on 11-06-03 making $18,000 after closing costs. Robert Allen and Mark Victor Hansen got me thinking big, acting big, and becoming bigger than I was thinking before.

So I wanted everyone to know “What you think about, comes about”. Say this to yourself every morning. “I am a genius and I apply my wisdom” because this program works if you work it.

I asked a realtor friend of mine to keep his eyes open for me for a distressed or bargain property and he called that day and we met at a townhouse that had been foreclosed on and the junior lender had reclaimed. I looked it over carefully and found the repairs to be manageable and put an offer on it. He called the next day and said there were 5 offers at the same price. So, I raised my offer and found out later that someone else had out-bid me by $5000. I learned a lot of lessons from that. Since then I have gone up to 3 doors of homes being foreclosed on and talked to the owners. (That was a h I asked a realtor friend of mine to keep his eyes open for me for a distress or bargain property and he called that day and we met at a townhouse that had been foreclosed on and the junior lender had reclaimed. I looked it over carefully and found the repairs to be manageable and put an offer on it. He called the next day and said there were 5 offers at the same price. So, I raised my offer and found out later that someone else had out-bid me by $5000.

I learned a lot of lessons from that. Since then I have gone up to 3 doors of homes being foreclosed on and talked to the owners. (That was a huge step for me!) One is paying up to get out of foreclosure, one wasn”t interested (yet) and the other had already sold his property. That is 4 rejections—I”m on my way to getting the big one.

On May 28, 2004 I became an associate in a nutritional product MLM business. My initial investment including my distributor kit, personal product, tax and shipping was approximately $208 US. On June 15, 2004, I received my first rebate check for $7.80 US. Although this check is not a great amount of money, it represents the start of a business which as the potential to generate a monthly residual income.

With very little effort–no real selling or distributing of information–simply word of mouth and honest discussions with friends, family, and new acquaintances, my second month looks as if my rebate check will be more and I have begun to generate a reoccuring monthly product purchase with several people who are in their first month of using the products I have sold to them.

As more people benefit from the use of these high-quality health products, I know my business will increase and my network will grow. Therefore, I see my first rebate check as the start much more than its size. . .it represents a potential like a snowball gaining more and more snow and speed as it moves down a mountainside after a gentle, yet determined push to get it started.

On March 2, 2004, I closed on my first investment property. The purchase was a totally nothing down deal and one that shocked both the listing agent and my buyer”s agent! I bought a REO house for $27,900 below the list price and $35,000 to $37,000 below market value in a 100% nothing down (no money out of my pocket) deal and most of the repair costs will be will paid with nothing down too. There are approximately $8,000 to $9,000 in repairs, all of which are primarily minor exterior or cosmetic changes on the inside.

Upon the initial on-site property walk through I could not stand to be inside the house for a long period of time do to the stench of cat urine. The house was absolutely a mess with personal property all over the floors, counters, etc. making it difficult to walk through each room and/or see the “diamond in the rough” beyond the physical debris. It was sad to see how someone”s life had been turned upside down and to the point where they had to leave behind so much personal property.

After discussing the house and numbers with Bob Kokott on the Foreclosure help session, I went back with digital camera in hand three days later to take pictures of the messy inside and the visible repairs needed the house needed. I planned to use the photos as back up to an offer justification letter I was sending along with an offer to purchase contract. However, upon arriving at the house my realtor and I were shocked at the new inside condition of the house . . .it had been completely cleaned! The kitchen and bathroom cabinets were move-in clean, the personal property was completely removed, and the cat odor remained but was not as strong. I was not sure now if my plan would work out, but I went forward anyhow and wrote a letter to the bank and submitted my offer. The next day my realtor called with the bank”s counter offer. They wanted the washer and drier I had asked for as personal property to be removed from the contract (I could still keep it, but they did not want to be legally responsible for either in the event someone stole them before we could close on the house) and if I”d agree to remove that from the offer, the house was mine! No counter offer on the price!

It gets better. . .that afternoon I drove by to show the house to my daughter, and there was a man power washing the outside of the house! He was busy and I could not catch his attention, but was thrilled to see the difference the power washing had made on the house. The following day, I drove my husband by the house (since he had signed the contract to purchase it, but had not seen the house!) and the same man was there finishing up his work. We were able to talk with him though. He told us he”d been hired by the listing agent to power wash the house, clean out the gutters, clean the yard, wash the driveway and edge the side walk! In addition, we were able to find out from him that the cleaning crew, who removed the personal property, had been there over the weekend and did a remarkable job just before the “man went in to steam clean the carpets.”

We went from having a disaster looking house on the inside to having a gem with minor cosmetic fix-ups and some TLC. Again my realtor was floored at what had transpired in just a few short days, and all at no cost to me–the bank was paying to have all this work done.

The next amazing thing to happen was being reconnected with someone I”d lost touch with for nearly 15 years. My CPA recommended me called a mutual contact (Sam) about finding a real estate attorney in my area. Upon questioning why I should call Sam regarding an attorney, my CPA said Sam had changed professions about 15 years ago (which I did not know) and now was a mortgage broker. Sam not only connected me with an attorney who had been solely focused on real estate for 25 years, but also immediately suggested my husband and I close our existing home equity line of credit and get a new one for 2.4 times higher the amount we currently had been capped at by our bank. Sam said, “you don”t ne

I worked with Steve Waters to create a web site that advertised the property I made an offer on. It described my company and the property I was trying to sell. It included photos of the property. I had a few qualified buyers look at the site but no one bought.

Since then I”ve developed my company further. My web site will be relaunched shortly. I”m working with Daren Falter to make this happen. What”s interesting about my company name is that by abreviating real estate to “RE,” a new company name forms. I use both names. The purpose of the second company is to train business owners and sales professionals to improve their marketing and sales efforts. I have been trained as an accelerated learning trainer with T. Harve Eker and Blair Singer. My web site promotes Blair”s products along with my marketing and sales workshops. I have links to the Millionaire Mind Institute, among others.

To anyone reading this story who believes in prayer, I would deeply appreciate some for the launch of my company. Thank you and God Bless.

I created a detailed marketing plan for the launch of Cope Resolutions, LLC. In a nutshell, my plan is to speak to groups of real estate sales professionals and small business owners about how to market themselves succesfully and become top-notch sales professionals. I”m offering maketing and sales workshops using the accelerated learning technique and selling Blair Singer”s products. I will soon have my web site relaunched. It will be my “non-disposible” maketing materials. Also, I”ll promote my site on the Internet.

Through contact with me, my clients will learn about the Millionaire Mind Institute and the possibility-reality-goal of becoming an Enlightened Millionaire, i.e. “financially free and generous.”

Prayers for success gratefully accepted.

Thank you and God bless.

This is a non-monetary success that will bloom into a monetary success. I”ve been building my own business. In the process I have, on one hand, managed to spend all my savings, go into debt, and weaken my credit rating. Oops. Now I”m not suggesting that everyone has to take this route in order to become successful. But just when I”m “running out of time,” things are beginning to happen.

My web site is almost complete and I have someone who will run the internet sales end of my business. I have three workshops scheduled next week at which I can sell product.

For a long time my children have been saying that I”ve become more positive. I feel my spiritualiy has also been validated by listening to Robert Allen. Go Robert!! Due to some early childhood experiences, I became an introvert, but I always felt that label was a false limitation on my real personality, which is starting to emerge in a more confident, outgoing way. Oh yes, the butterfly has wings, at last.

So, even though my finances are WORSE off having joined the Protege program in January 2003, I”m happier AND I sense, my finances are about to change through the success of my business which is to help others get more of what they want (via sales and marketing)–I”ll keep you posted as I, in turn, get more of what I want.

Thanks to the Protege program, I”m a more competent me.

Here are some stats:

*Pre-Protege*

1 rental ($100/mo cashflow)

1 business (worth around 20k)

1 J.O.B.

*Less than Three Months in the Protege Program*

1 rental ($210/mo cash flow, we refinanced and pulled the original investment out, 10k equity)

1 REC ($230/mo cash flow – my original investment was back OUT 5 weeks after purchase, roughly 21k in three years at call of note)

1 Purchase agreement(waiting on boundary dispute, at least 30k equity

1 Purchase agreement(signing TODAY on counter, at least 20k equity)

100 shares of stock (bought on option, profit around $950, 28% ROI at purchase)

1 business (still worth around 20k, we are expanding next year)

1 LLC for real estate

2 different partners (one for big fixers, one scouting foreclosures for me and doing repairs)

2 investors (money farms)

I am just hit the 100k mark in equities and cashflow. I am quitting my J.O.B. at the end of the year (one month left!). I am soon to be out of the rat race. Not IF, but WHEN, and when is soon. 

I will *never* work for someone else again in my life. That is a powerful statement.

So what is the point of all this? I am truly grateful. Thank you so much, Robert Allen, for the knowledge and the kick in the pants that I needed to see beyond a job. I have been a Serial Employee, never staying anywhere longer than 4 years. Always moving up and making more money…for someone else! LOL

I will be an Enlightened Millionaire.

I have been in the protégé program for over three years. Last year I published my first book that is the only wealth book for moms. I have applied many of Bob and Mark”s teachings to have appearances on Good Day Dallas (Fox4), Positively Texas (CBS11) Daybreak (WFAA ABC), At Home Live, Healthy Wealthy & Wise (Family Network), Paths Across America (Inspiration Channel) and Oprah. I am actually considered a local expert. I am developing a great speaking career my portfolio includes seminar, workshop and keynote speaker at the Women of Influence Inc. Personal Development Conference, Spirit of Sisterhood Empowerment Expo, women’s groups, chambers and many civic organizations. In the midst of info-preneuring, my husband and I were able to buy a home with nothing down with over $200,000 in equity. Without Robert Allen”s teachings I would have never thought this was possible. 

My book has been accepted in Barnes and Noble and I am currently working on Wal-Mart. I am starting a national print media campaign for my book in the fall. By demand, I am creating a training seminar and workbook based on the themes in my book. I am also putting my popular talks on CD. Although I have multiple sources of income, my main focus will be my speaking career. It sells many books, people enjoy my speaking, and I love inspiring people to new levels and dimensions.

Through the protégé program not only was I able to find my passion, but I am able to create wealth doing what I love. 

Wealthy regards.

I have two successful businesses as a result of the One Minute Millionaire program. I have created with joint venture partners a web site. We are in internet radio network dedicated to changing the way we “do” politics in America. We are reaching people in 45 states and in 28 countries around the world. We launched in September of 2003 and are growing 165% per month on average in listeners and hours listened around the world. We are dedicated to uplifting the business of politics in America and around the world by creating a media source that does not allow profanity, mudslinging or hype. Our goal is to provide an educational tool for voters and students, and to be the authoritative source for political information on the web. We are #1 on every search engine. And, we are number one in our genre of government/political websites on Live 365 – our bandwidth provider that hosts over 13,000 internet radio stations on the web. 

The second business was launched in February 2004 and is a seminar company dedicated to teaching self defense to women. We have four speakers in four states presenting seminars to colleges, businesses and organizations every day of the week. This company was founded by my husband and partner, Richard and was born of a passion for public speaking and providing an opportunity for speakers to learn and practice their craft.

I was at our local bookstore with my children on a Saturday afternoon. The kids were taking their time looking at the kid”s section, so I sat in a chair and picked up whatever book was the closest to me. It was “The Enlightened Millionaire”. It perked my interest enough for me to buy the book.

I started reading it that night and couldn”t put it down. I went onto the website and from there listened to the teleconference that was offered. It was there that I learned of an incredible offer to become a student with Mark Victor Hansen and Robert Allen. I discussed it with my husband who was very leery about getting into something like this. After he saw how enthused I was about doing this, he said that I should be the one to take this school. I don”t think he was very interested at the time.

I started with Real Estate. We, I say we because my husband was strongly encouraged to participate, bought our first two rental properties in the first month of taking this course, and the third rental property was purchased shortly after. In a space of a year, we have purchased four rental properties and are thrilled with what is happening in our lives. 

In November, I decided to take the Stock Market portion of the course, and so totally got into it that I knew that I had finally found something that I will love to do for the rest of my life. I live and breathe it and have gotten my husband to take the course just one month ago. He has just started paper trading, and I”m sure he will love it as much as I do. His whole outlook has changed so much. I am so pleased!

I have also signed up to go the “Millionaire Mind Intensive” three day seminar coming up with Harv Eker in May to be held in Orlando, Florida. I can”t wait! I cannot tell you how much this has changed my life in just the past year alone. I cannot imagine what wonderful things will happen in the future.

I want to thank Mark Victor Hansen, Robert Allen and Dr. Stephen Cooper for providing this wonderful feast of information! I know it”s done from their heart, and it is greatly appreciated.

I started EMI about 2 months ago (three months after moving from the UK to Canada) and bought my first property last month. I have to say that the transaction was the most exciting thing I have done for a while. As a recently landed immigrant with ZERO rating it is very difficult to get easy financing (esp. in Canada). All financial institutions insist on a min of 35% deposit here if you are an immigrant. So I have the choice either to use someone else”s money and take a % or do an ETO of my house. I chose the ETO as my deposit for the bank as I want to make all the profit on the deal.

The deal is: We bought a fourplex for 10% below market value and to rent out during the ski season for a monthly profit of $3,000. After 6 months we will fireguard each property and sell them as individual units for a net profit of about $100,000. We are committed to donate 10% of this to Charity + donate our time as well. So far we have donated 10% of our rental income + done two weeks free time environmental school training in China for WWF.

That”s the strategy and thanks to EMI”s fantastic advice we are now on the road to making $1,000,000 and donating our 10%!

I have bought my first property!

It is a fourplex which hasn”t been fireguarded and therefore you can not sell each individual property. What we are doing is renting them out during the ski season (for a huge profit) and then fixing up the place in May-August to sell in September. We estimate that we will make about $100,000 profit from the deal.

When I registered as a protégé almost a year ago, I expected to start climbing Millionaire Mountain on the Infopreneuring Path with links to the Internet Path. Several months later, I still did not seem to be making any progress. The courses were challenging enough, perhaps too challenging for my level of expertise. I hesitated to turn to the Real Estate Path because I had had too much negative experience with that kind of activity in the past.

That left the Stock Market. I had already had some successful forays making trades over the past decade, more by luck though than design. I had a portfolio of Canadian securities worth about $20,000 in a cash account and 100 shares of MARVEL which I had bought for about $500 three or four years ago based on a magazine article that I had read on an airplane. I had not paid any attention to their value since. I knew nothing practical about options, short selling, covered calls, and margin accounts. What I did know lead me to conclude that there were more risks in exploring the Stock Market Path than I could afford to take. And yet, I believed that I should explore this Path before my year as a protégé expired.

Thus, last August, I registered for Dr Cooper’s eight-week session. In a calm and collected way, he guided me and the other members of the class through terminology and practices that were both foreign and exciting. I made dozens of paper trades and scored very well, still doubting that I could succeed with real money.

I placed my first real buy order in October for DGX FEB 60 at a below-market price of $4.90 just as the charts were indicating a possible TTC confirmation. Two weeks later, I closed the position with a selling price of $9.50.

Concurrently, I discovered that my MARVEL stocks had quadrupled in value since I bought them. I considered selling them to raise money for some more options trades, but decided instead to use them to support a successful covered call, another useful learning experience, which brought in almost as much cash as I had originally invested and left me holding stocks that were continuing to rise in value.

All of that was an exciting beginning which led to other trades in TEVA and GILD. Altogether, I netted more than $12,000 just before the Orlando Retreat. That was an exciting validation of all that I had learned and the Retreat was a powerful inducement to begin exploring the other paths up Millionaire Mountain as well.

A year ago, I dreamed of making a million. Today, I have experienced enough success to know that it is quite possible to do so. Moving from the dream to the possibility has been a major success for me. The action plan seems so much easier now. I am even preparing for some more Infopreneuring, Internet, and Real Estate activity with confidence that I could not have imagined a year ago. Thanks for all the help along the way.

When I registered as a protégé almost a year ago, I expected to start climbing Millionaire Mountain on the Infopreneuring Path with links to the Internet Path. Several months later, I still did not seem to be making any progress. The courses were challenging enough, perhaps too challenging for my level of expertise. I hesitated to turn to the Real Estate Path because I had had too much negative experience with that kind of activity in the past

That left the Stock Market. I had already had some successful forays making trades over the past decade, more by luck though than design. I had a portfolio of Canadian securities worth about $20,000 in a cash account and 100 shares of MARVEL which I had bought for about $500 three or four years ago based on a magazine article that I had read on an airplane. I had not paid any attention to their value since. I knew nothing practical about options, short selling, covered calls, and margin accounts. What I did know lead me to conclude that there were more risks in exploring the Stock Market Path than I could afford to take. And yet, I believed that I should explore this Path before my year as a protégé expired.

Thus, last August, I registered for Dr Cooper’s eight-week session. In a calm and collected way, he guided me and the other members of the class through terminology and practices that were both foreign and exciting. I made dozens of paper trades and scored very well, still doubting that I could succeed with real money.

I placed my first real buy order in October for DGX FEB 60 at a below-market price of $4.90 just as the charts were indicating a possible TTC confirmation. Two weeks later, I closed the position with a selling price of $9.50.

Concurrently, I discovered that my MARVEL stocks had quadrupled in value since I bought them. I considered selling them to raise money for some more options trades, but decided instead to use them to support a successful covered call, another useful learning experience, which brought in almost as much cash as I had originally invested and left me holding stocks that were continuing to rise in value.

All of that was an exciting beginning, which led to other trades in TEVA and GILD. Altogether, I netted more than $12,000 just before the Orlando Retreat. That was an exciting validation of all that I had learned and the Retreat was a powerful inducement to begin exploring the other paths up Millionaire Mountain as well.

A year ago, I dreamed of making a million. Today, I have experienced enough success to know that it is quite possible to do so. Moving from the dream to the possibility has been a major success for me. The action plan seems so much easier now. I am even preparing for some more Infopreneuring, Internet, and Real Estate activity with confidence that I could not have imagined a year ago.

Thanks for all the help along the way.

My first website was completed (ready for product sales) in mid-November of this year. I worked with a mentor from PMGmentors to select products and design the website. Now that I have a professional looking website, I”m participating in the EMI course on Making Your Site Sell. I”ve put about $10,500 into the business and have not sold a product yet. I”ve discovered that the hardest part of internet business is the selling…so I look forward to learning as much as I can about marketing.

This is a part-time job for me, but I would love to turn this into a successful business and begin learning about other streams of income such as the stock market and infopreneuring. My wife is also participating and is applying some of the things we learn to her business, which was already successful before we joined EMI.

Teaming and Partnering in Detroit highlighted this first phase of the current 90-day Challenge. Teaming with Jeff Schnitter”s amazingly comprehensive coordination of all the components needed to cooperate with the equally comprehensive planning of the city father’s designing a shining future for Detroit.

I am happy to be included among all the other participants of Jeff”s 3-day training seminars rejuvenating this city one house at a time, one block at a time.Partnering. At the conclusion of the seminar, I announced my offer to provide funding in partnerships formed much as suggested during the seminar. Several individuals stepped forward. I remained two days further to become familiar with various districts, particularly in the historical ones. Soon thereafter, Jim Carpenter called on me and we agreed to terms. He located six houses and prepared the paperwork; I provided the initial funding. We”re off and running.

Next, after I had transferred funds from a traditional IRA, paid the taxes, and set up my Roth, I instructed my custodian to forward option and down payment dollars to Panama City, Florida, on a condo to be built with construction to start in a few months. Upon completion, a $239,300 locked-in investment will appreciate $40,000.00 to $50,000 in value. Contracts include provisions for unforeseen circumstances that will protect the interests of both developer and investor. After completion, I will have the option either to sell or to keep and rent for a steady positive cash flow equal, annually, to, or greater than, several times the initial investment.

By funding in my ROTH IRA, ALL cash out will be tax-free forever. EVERYONE SHOULD HAVE A ROTH IRA—NOW.

Finally, this next weekend will find me in Lehigh Acres, all expenses paid, to inspect further new developments (lots and new houses) with the offer of extremely low prices to get on board.

I found a bank foreclosure that the realtor said the bank was willing to do “some” financing, so I went to view the property. It is a condominium in a small town. There are three buildings, housing four units each with an attached laundry room between the buildings. There is town water and sewer. The units are small and have electric heat. The units were built in 1988, and are sound. The monthly condominium fee is $125. The rents for these units are $650 per month.

Now for the problems. The bank wants $59,500, and they are assessed at about $42,000. There are no recent sales for comparables. The immediate area is poor. What I mean by that is there is trash in the complex; broken washing machines, and bicycles, and several non – registered cars in various stages of disrepair. There is no broken glass, or graphite, just trash. For the unit itself, it has been on the market for several months with no offers. The previous owner blocked off the cellar staircase, and cut a five foot diameter hole in the living room to put in a very nice (but very inappropriate) circular staircase to the basement area. My intention would be to restore unit to original intent. I offered $20,000. I got a late verbal counter from the bank of $50,000. Almost immediately I was notified that one of the tenants in the complex made an offer of $56,000 that was accepted by the bank. It has not closed yet.

In my discussions with the realtor I learned that an out of town attorney wants to sell seven units in the complex as a package. I am now perusing this. He wants $407,300. The units are assessed at $335,500. He may do some financing, but early indications are that he wants $50,000 down. Not as vigorously as I would like to (time constraints) but I am moving forward. I have not done all my homework yet but early indications for me are that currently I am thinking of offering him $297,500 with no money down, or $262,500 with alternate financing. I will try to keep you informed

This morning we had an early appointment for scheduled maintenance on our automobile in Rockville, MD. Being relatively new on the east coast we chose a repair shop out of the telephone book about 20 miles from home. We are a single car family, so as the car would be in the shop all day, we decided to take the Metro into Washington D.C. for a day at the National Air and Space Museum.

Before going into D.C., we found a place for breakfast. After eating , we wondered out into the main area of the building, only to find that we were in the Montgomery County Courthouse building. Now, what was exciting to us was that just last night Bob talked about how our higher power knows where the properties are and if we ask for help, we”ll get it. Well, this seemed to be a prophecy fulfilled. Here we were in Montgomery County for the first time, stumbling upon a restaurant that happened to be in the Courthouse building! Wow!

In a short time we were directed to the circuit court where we found the public records department. There we were able to search in a book for property foreclosures and tax liens from yesterday back to the beginning of the month. We copied down case numbers. Armed with this bit of info, we can now do an online search to find property and owner contact information. We have about 50 prospects and we only got through the “B”s” alphabetically!

After returning from the air and space museum we picked up the car in time to do a walkthrough on a $500,000 FSBO we had driven by at the beginning of this week.

When we first looked at investing in real estate, we were getting qualified to buy additional real estate with our own money and credit. I learned at one of the retreats that we should never be using our credit and money to buy houses. Once the risk was eliminated, it was easy to “play” in real estate. I got started by finding the owners of vacant property. It was very easy to get them to sell me their house because they had already abandoned it for whatever reason. I acquired the houses with nothing down and no risk using Bob”s techniques. Once I realized I had nothing to lose, it was very easy to talk to the owners. Once I had the ball rolling it was easy to move forward with other offers for homes in other situations. I started with deed on 4 vacant houses. Only one of those ended up working (where I was able to take the house to sale) but I had gained the confidence I needed to make other offers. I also started to collect a list of other investors that I might be able to sell properties to. I started with the paper, then collected numbers from signs and finally ran a fixer upper ad. Armed with over 30 investors to sell the properties to, I had the capital as well as the confidence to tie up more properties.

Today, I have a good relationship with one particular investor that will pay me a finder”s fee of 10% of equity on any size house. This works out great for when I have situations I have no time or inadequate funds to capitalize on. Instead of losing out entirely, I flip the house to them and get 10%!

My recommendation to others is 1. Write your offers with an out for you (subject to partner”s approval or whatever) that should give you the security to write offers. 2. Find a mentor or program that will give you your next step. Someone told me in the beginning that I would stop moving forward when I reached the point where I didn”t know the next step.

Just Do IT!!!!

My best friend and business partner and I decided to write a book about success principles from a biblical perspective. The book takes 12 common accepted success principles back to their biblical roots.

We originally intended to self-publish the book, however before doing so, we sent it to a small publisher located in Baltimore, MD. We were pleasantly surprised when we received word from them that they would be “delighted to give the book the chance it deserves.”

We have a signed contract with the publisher and expect the book to come out April 2005.

Our company develops products for Authors, Coaches, Experts and Speakers to use as “back-of-the-room” sales generators. We recently completed our first project where we took a motivational speaker into the studio to cut a CD. After convincing her to utilize her God-given talent, we helped her script the audio program, and coached her.

The program is a interview-style talk where she discusses how she overcame adversity and how her story can apply to anyone”s situation. We start with her bio, followed by her extremely uplifting speech and an interview with some really thought provoking questions.

We have just begun the marketing portion of the program, however, just from word-of-mouth, we have sold over $300 worth of product. People are so excited about what we are doing that we got an additional $100.00 “love offering” to support our project.

We are part of a master mind group that will meet for 3-days to develop a strategic marketing plan to not only market this project but discuss ways we can go after opportunities to create multiple steams of income.

I have purchased a dwelling that was listed as a single resident 3 bedroom rental domicile, I bought it for $183,000. I had a vender take back enough of the mortgage so that I could get a mortgage for the rest of the cost of the house. I applied to the city for a duplex permit which I have received the authorization for and am presently finishing off. I am doing a lot of the work my self but had to get a secured line of credit against my own home to pay for the professionals to do their things i.e. electrical,plumbing,furnace upgrade and maintenance. The rest I have done myself. My real estate agent says that the property even as it sits right now 25% finished, on the market would be worth $225,000.00 and when finished with tennants probably closer to $240,000.00.

But I have it rented out at $2050.00 right now which gives me aproximately a $900.00 per month posative cash flow. I just got a call back to my other full time job which will make it a lot easier to get a mortgage for the next house I buy. The next one will already be a legal duplex at least. I have put way too much work and valuable time into this house even though it will eventually come back. I have looked at a tri-plex and three different private dwellings but no diamonds just yet but I will keep looking I have seen some good looking stones but I want just diamonds for thet next few houses to build up enough cash that I dont have to beg at the banks to get mortgages. I am helping out with our local Bethesda House, for those not familiar they are shelters for battered wives and children. My neighbours daughter works there so that is an other good reason for me to help out there.

I found a house that had been on the market for about 80 days. Brick veneer house, 3 bedroom, 2 bathroom and 2 car garage. House was owned by the bank and they wanted $59,900. The house smelled like cat urine and needed new carpet and padding, landscaping to make the house more attractive which included getting some stumps removed in back and some other minor fixup items. I made a bid of $30,000 which was rejected but this is what I needed after all expenses to include closing to make a minimum $10,000 profit. I have made 3 offers since but lack of courage is my biggest downfall. I am working on this. I have yet to purchase a house other than my own but working on it.

I am working with a buyer broker to find houses but now spending more time on my own looking at FSBO houses. Desperately wanting to find that super deal and learning more everyday on how to hone the skills I am being taught.

I signed up for the Enlightened Millionaire Institure on Sept 20, 2003. I had already read The One Minute Millionaire. Once I received the materials I proceeded to read the Multipule Streams of Internet Income.

Just as an experiment to see how easy it would be to setup a site on Vstore I went ahead and tried to set up a site. Well it wouldn”t let me set one up.

It was not hard to tell why it wouldn”t. It turns out that I had set one up for books in 2000. So once I remembered the password it was a matter of 5 minutes to setup the new store and update the old bookstore. I have since linked another website I have to them.

I am currently refocusing the website and once it is done will be refering customers to the vstores for some extra income.

My wife has a home business (through home parties) and will be setting up a website with auto responders to generate leads, and extra income.

This is especially hard for me because I have always had problems with speaking to people. When I was a little kid I would not even go in to a store to ask for directions. I always made my brothers and sisters do it. So every day I put myself in a postion where I have to call people I do not know. I have also gone through the Dale Carnieges course on speaking 2 times.

My advise is work on your fears everyday and little by little they will become more manageable. Some may even go away and others will become just a minor inconvenience. If you do this you will have a much more enjoyable and rewarding life. “

I have completed a book and a marketing plan and started several other books. Book will go to print in May. Title: What You Say Is What You Get: The Secret Language of Great Business Results. Crafted as your Engine and Four Wheels, this positive powerful language system speeds your business to success. The book includes compelling emotional true client stories combined with practical success secrets, lessons learned, quick quizzes, practices exercises, and FAQs. A lot of interest and radio commitments are surfacing.

Also made $166,000 in stock market!

I found a builder of a 14 condo subdivision in forclosure. I found out the lender was GE Capital in Texas. I contacted them, but failed to buy it. They put it on the market with a Realtor and upped the price.

I contacted them again and talked with the high up officer who is a decision maker. I explained to him how my offer without the Realtor commission is higher. They complained that I am asking them to carry, and they want out. I offered them a sweetener: $1,000 down on each = $14,000.00 cash. They carry back $49,000.00 each at 7.5% interest only all due in 10 years. They countered with 8% for 3 years. We continued negotiating until we agreed to 7% interest only, all due in 7 years.

The manager insisted on signing all papers in person in a lunch meeting in San Francisco. It was an honor, I responded. We concluded the deal within a week.

I just sold 12 of them in this high market at $140,000 to $160,000 each.

Currently, I am busy writting offeres on forclosures. The latest is a house on 2 acres on the Island of Hawaii. BofA is asking $340,000. I gave them what they are asking, The Realtor said I almost won. A last moment local as home owner, offered them $390,000.

We first started reading the One Minute Millionaire in August of 2003. Dre was freelancing his computer skills & Annie was growing weary in her job as an employment coach, she”d been there too long and she wanted out. In September 2003, we started with the Enlightened Millionaire Institute; a step we knew would change our lives forever.

Our initial aspirations were as Infopreneurs but we soon discovered that we needed to make some money first (this dream is still in progress). Then we went to the Real Estate Event with Glenn Purdy in October and realized that Real Estate would play an important role in our financial future, but it was not to be our first stream.

After a couple of months of soul searching on both our parts, we finally started walking down path of the Internet at the beginning of 2004. Major internal blocks have been clearing away as we prepare for our inevitable financial success. In January 2004, we closed the door marked “security” and Annie quit her job! This was a major leap of faith and with only a couple of domain names registered, we set the course for our greatest success.

Only sheer determination and a desire to succeed along with the weekly help we get from the mentors of the Enlightened Millionaire Institute have kept us going.

Much of our success to date has been internal rather than financial. That being said, we now have the tools in place (credit card processing, search engine submission tools, joint ventures, etc) to start selling products this month. Our first product is a golf handicap tracking software. Our first month’s projected sales are $1000. We know that our profits will grow exponentially from there as we have 2 more sites in development. We are creating a “cookie cutter” approach to our Internet Marketing system so we can duplicate what you”ve taught us over and over and over again.

So as for our success story, it”s really just beginning. Watch out! You”ll be hearing more about DnA (That”s Dre & Annie) in the very near future!!!

I have to admit that I was much calmer than I had predicted. I believe that my inner peace came from the knowledge that we were presenting an offer that was a true win-win scenario. We were anxious to obtain our first property and the homeowners were anxious to leave Las Vegas and relocate to Alabama. We did our due diligence and were prepared for our presentation/offer. The actual presentation took less than 15 minutes. We excused ourselves and went outside to give the homeowners time to consider our offer. Approximately 30 minutes later they invited us back in and accepted our offer.

Our initial contact by the homeowner came at about 3:00 pm on Thursday. We previewed the property around 4:00 pm that same day. Our presentation/offer was made the following day (Friday) and we took possession of the home on Monday! It was a whirlwind of activity and we are most grateful for the opportunity and experience. Most of all, we are pleased to be of service to the homeowner.

I just completed Dr. Cooper”s option trading class. During the class we were encouraged to begin paper trading. I bought a call option on WMT and after 12 days have made 70%. I also opened an online trading account and am excited to begin using real money. Dr. Cooper impressed upon us the importance of paper trading first though so I will be continuing with that for a while yet.

Dr. Cooper”s course was great; I found his teaching style easy to follow and the manual easy to read.

This deal is actually nearest and dearest to my heart because it involves writing. I love to write. When I have money coming in from other ventures, I”d happily spend all my time writing everything from advertising copy, to literary non-fiction, to mysteries. In my “spare” time I”ve worked with a coach here in Iowa City and another one through a Writers” Group in Connecticut to hone my writing skills. I have in the planning stage a website for writers and have some friends from my literary non-fiction writers” group working on this with me.

The special opportunity that fell into my lap this fall was an offer from Shawn Casey to participate in his latest project. Mine is lucky Chapter 13. It just hit the e-book market, and I think it will sell well. It”s both entertaining and full of practical advice. I get 80% of the profit for the copies I sell, and since many of my referral sites are also given in the book, I should get some additional business from that. Besides, it”s nice being considered a “guru” after only 9 months. I hope to be reporting some profits in this project over time.

One other opportunity that doesn”t really fit neatly in a category is a joint venture I”m working on with a Rotary friend and her husband. We are forming a company to develop and market language learning materials, initially for the ESL market. We have a business plan and have started the marketing plan for the first product of this line. We should be doing some pre-sales marketing by spring and have the first product out next summer. By the second year we should be in profit.

I”m having a ball tossing all these multiple streams of income into the air. I”ll be thrilled when more of them start paying income.

My first website, to advertise my library consulting and free-lance writing business, went live toward the end of October. I have been working on an additional website, a weblog, to keep library managers apprised of articles outside of the normal library press, but of value to library managers on forecasting technology trends and handling management issues. I will use this as a vehicle for growing the consulting business, and it is a needed service not otherwise available to the library management community.

Another website is also under development to cover some web networking I”ve explored over the last several months. Last February, sensing the possibility that my day job would be in jeapordy with budget cuts, I started looking at home internet businesses, as well as the investment real estate path to wealth. Well, it has been a long nine months! Yet, I have persisted and have learned lots about what to avoid and what to do in internet marketing. My website will be for internet business consulting in order to advise through a short questionnaire what kinds of internet opportunities fit with a prospect”s goals and interests. I am also a representative for the Mind Gold Newsletter and Power Pointers Page, both services I can advertise as an affiliate rep, and also as a method to capture leads for my other businesses.

At this point I have “graduated” to the level of “Super Affiliate.” I”m still not entirely sure if that stands for “sucker who spends on lots of programs” or “knowledgeable, responsible affiliate who knows which projects will pay off.” My pocketbook shows that the jury is still out on that one, although it feels as if I”m finally getting some recognition by the “pros” (I like that word better than “gurus”) and people are starting to sign up for my offers, finally. I hope to update this area over the next several months with a success story.

On the Pacific Beach (San Diego) oceanfront condo listed at $995K on which I determined that I should offer $555K based on recent comps, I got a call back from the real estate agent saying that the seller was not entertaining offers less than $900K.

Update on the home that is risk of preforeclosure that is owned by someone I know, I found out more details…his mortgage is $4,000/month because his first mortgage is at a little less than 7%, but his second mortgage is more than 9%. I examined the house closely and it needs a lot of work. I”d estimate that the house needs $25-35K to bring it into good condition to rent or sell matching comps in the area. I judge the market value to be about $600K now and the mortgages combine to $580K…not good numbers to proceed on.

I went to six open houses of FSBOs last weekend and made offers on all the properties. There is a recent housing shortage in our area because of the So. CA fires that destroyed 1,250 homes. I didn”t even get counters on my offers.

On our 3-day seminar with Glen Purdy in Las Vegas, we all joined the 90-day challenge. We didn”t have to wait for June so I took this opportunity to have a head start. On the second day of the seminar, he gave us an assignment to call 5 people from the classified ads. There were over 700 people in the seminar, and I figured that I will be competing with all of them. Since I didn”t know the area very well I called up realtors instead. I also implemented the herd-mentality that he taught us.

It took me quite some time to get in touch with these realtors. I most definitely didn”t give up knowing that I have two days to look at properties in the area. One of them called me up at around 2:00 p.m. and said that she will get back to me after she”s done with her client. That”s perfectly alright since I was with another realtor that time anyway. I finally spoke to her and she brought me to a preconstruction development. When I saw the model homes I wasn”t initially impressed due to the floor plan. However, when I went to the sales office, I realized that the properties in the 3rd and 4th phase are $25,000 cheaper for exactly the same models in the 5th phase. There are a total of 14 or 15 phases. It was a no brainer! I will already have that equity if I get the house immediately. Right there and then, I decided to show interest and spoke to the lady in-charge.

Unfortunately, she mentioned to me that I have to be pre-approved first to be eligible. It will take 72 hours to be pre-qualified and I only have 24-hours. On top of that, I didn”t have my checkbook for the earnest money. Time is more valuable than money! I didn”t give up! That same day, we applied online.

The next morning, I called up my banker to wire me the earnest money. This check will not be cashed out until the closing day which will be around August. She still didn”t agree to accept it originally because I have not been pre-approved. Unfortunately, I don”t have the luxury of time because I had to be at the airport at 5:00 a.m. the next day. Due to persistence, I told her that I will surely be approved and I offered cash. Well, that was the turning point. She finally agreed! I didn”t have to pay cash just the same. While I was signing the contract, she said that the price will go up by $30,000. Wow! That deal just made me equity of $55,000 within less than 24-hours. On top of that, the equity of the house is still rising and I still have not paid a single cent. The earnest money will only be collected until the closing of the house.

Thanks to Glen and everyone from the team. You guys are exceptionally great! I wouldn”t have gotten out of my comfort zone had it not been because of your encouragement and support. I truly appreciate your kind efforts.

I had the great fortune to get my first deal the day after i finished the 3 day seminar. I had done a lot of looking in the paper and on the internet in the days leading up to the seminar. On the evening of the final day of the seminar i had made a number of calls from the on line FSBO and then switched to calling the newspaper adds, and the very first call i made there was a lady in a divorce and about to lose her house. I called another class mate from the seminar who had financing available and we together went to her house the next day and got a contract for approximately $80,000. below the market value of $360,000.

Thanks Robert!

While attending a National sales meeting, I made offers on four properties in Du Bois PA. All of these were done with my credit card.

The first was a Bank repo which they wanted $14,000 and I offered $10,000. Then a offered $19,000 on another property for which the bank wanted $25,000.

My best deal came when I found a school house in Falls Creek Township PA for sale. The owners sold it to me for the same price they paid for it three years earlier. I signed the contract on my birthday! I will make it into a museum.

As Marshall Sylver said, “Just do what you love and the money will follow.” I will add “treating it as a business” in there somewhere.

Thank you for all your encouragement!