How to Build Wealth By Clearing Money Blocks

How to build wealth by removing your money blocks

How to build wealth, by clearing your money blocks.  Money blocks are negative subconscious beliefs about, money, that limit you from achieving your conscious desires. Hilary Hendershott, wealth coach talks today on the Transform Your Mind Radio and Podcast on the topic  “How to build wealth, by remove your, money blocks.” Hilary was once $600,000 in depth and now has a seven figure net worth

Listen to the full interview here:

Hilary – I found myself in my late 20s with multiple credit cards and  tens of  thousands of credit card debt, plus I had a $420,000 in mortgage debt on a condo.  In 2008 that  condo in San Jose California went from $430,000 in appraised value to just $190,000.  I had massive uncollateralized debt, $72,000 in tuition debt and I was the kind of person who would spend money before it came in!  I was a massive over spender.

Back then I had never heard the term, Money Blocks. Today as a coach and operating from my own, money blocks, I understand that I was an over spender because I had, money blocks.  

The definition of, Money Blocks

The definition  money blocks: negative subconscious beliefs about, money, that limit you from achieving your conscious desires. Let's say you're trying to save, money, but, for whatever reason, you can't seem to do it. You spend, money, almost as soon as you get it, and you don't know why.

Hilary – I started gaining clarity on my, money blocks, the  day I pulled my leased BMW into the gas station and I put my credit card into the machine to get gas, and my credit card was declined. I tried another card, it was declined, I put the third card it was also declined. At that point, all my credit cards are maxed out and  no one would give me any more credit cards.

My bank accounts were empty and had already emptied out my 401k. I had spent all this good money chasing after bad  while trying to dig myself out of this hole; because as my income was declining in 2008, and my debt was increasing.  So I literally couldn't even put a tank of gas in my beautiful convertible BMW that day.

How I became an expert on clearing, money blocks

Hilary – I decided to become an expert on, money, psychology. I really made a decision that day and I said “I‘m not willing to live like this anymore”. I understood, how to build wealth, from the beginning. I understood that our, money blocks,  are as much a function of linguistics,  the words that we use to describe, money, than it is about our upbringing.  

So, when I said “there's never enough money” I was speaking it into the atmosphere. That became a self fulfilling  prophesy.  There's never enough money was my, money operating system. I trademarked this term, Money Operating System.  Just like your computer has an operating system, we all have a, money operating system.  That is sort of another way  of saying, money blocks. 

How money blocks are formed

As a child we hear adult say: 
  • money, doesn't grow on trees,
  • you have to work hard for, money
  • money, is the root of all evil
  • Money, is evil and rich people are greedy.
  • I wonder who she had to screw to get that job.
  • You see your parents fight about, money, all the time.

 Whatever it is, everyone will have a different set of, money blocks; because not everyone has the same, money operating system.  

As a financial planner, I learnt, how to build wealth, through real estate investments. I actually had a six figure income; but spent more than I earned. 

How to build wealth to a six figure income

There was one year  I earned $120,000 in income and I spent $150,000.   I attended a talk at a Financial Planner Conference and this woman, who is now a personal friend of mine,  talked about, money blocks, and,  money, psychology.  She used the term over spender”. I had never heard about, money blocks,  before that talk. Being an over-spender is one way to manifest, there is never enough money. 

Another way you can manifest, there's never enough money, is by being an, under earner. There are some of you listening to this podcast; you just can't seem to earn what you know you're worth in the marketplace. You are actually sabotaging yourself

  • You deliberately pick the jobs that are under earning.  
  • You under promote yourself,
  • You don't ask for raises,
  • You get contract gigs and spend six months unemployed.
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Hilary – To make a long story short, I put what I learned into practice I paid off all my debt and then  I got really honest and transparent about where I was financially.

I lived in my mother's guest room for a while to make it happen. I lost that condo and I paid off the debt. I started putting my money where my mouth was in terms of building my business.  I now run a registered investment advisory firm. We are all women, owned and operated.  

My business earns about a million dollars a year. My husband and I just share the numbers; because I want to normalize people talking about, money. My husband and I have a house in Silicon Valley that's worth two million dollars and if you put together all of our other investments, we're definitely what you would call financially independent. We have, financial freedom. 

How to Build Wealth: Have your, money work for you.

How to build wealth, from having no money. Now we have, money, work for us; but it's a skill set that I didn't always have. I have found out that my purpose on this planet is to coach people, especially entrepreneurs. For those people who run businesses, the sky is the limit for them to remove their, money blocks, wherever they may be. 

I figured it out. I sort of put myself in, money, boot camp. I didn't buy a cup of coffee in a coffee shop for two years. When I was in boot camp, I got very conscious about what I was saying about, money.  I now use linguistics as the foundation of my coaching.  Anyone I coach, the first thing we do is remove  I can't afford that.” from our vocabulary. 

Those words are not allowed to come out of your mouth. You either say “Oh great, let me see how I can work that out or  “I‘m going to put that in my spending plan.”

Myrna – That's awesome. Your language about, money,  is very powerful. Let's talk about, money mindset block.   My audience on the radio are mostly African American and  sometimes they are in the poverty space.  Our community  is predisposed  to over spending.  We want the nice things, we want the designer shoes and bags.

I was talking to a guy one day, he was wearing nice running shoes and he said they were Kanye West shoes and cost $400. I couldn't help thinking  what was his, money mindset, to spend $400 on Kanye West running shoes? 

What is a Money Mindset Block

Myrna – What exactly is a, money mindset block, and how does that show itself for somebody that's looking at their spouse and saying maybe they have a, money mindset block?

Hilary – First of all, the idea of the, money operating system, is the lead, money block. For me it was there's never enough money and so all my, money blocks, are going to harmonize with that particular lead, money block. For example, let me just say each individual is different and I don't mean to answer questions for someone who isn't even here;  but let's take the example of the person who spent $400 on Kanye West running shoes and maybe can't pay rent, so there's an imbalance there.

If you ask that person why he spent $400 on running shoes, he might say:

  •  I need to have this to be socially accepted,
  • I need these shoes so that people can think I‘m wealthy,
  • I need to have these shoes,  so that people can think I‘m powerful. 
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Then you would ask the question.

  • Well, do you have those things?
  • What do people think about you?
  • Have you achieved this goal?
  • Is that desire fulfilled for you?

And if you really look, it's probably not because we need another pair of shoes or another designer bag or any other another brand name to become socially acceptable.  It's an infallible hole that you can't fill with designer shoes. Instead, if you can reposition in your mind,  if you're really tired of your, money, going the way that it's going, if you're sort of fed up and a little bit disgusted with the fact that you know you're a smart capable educated, well-intentioned person and money isn't working for you in your life, this is, how to build wealth, you clear your, money mindset block. 

What are your 7 steps to  build wealth?

Myrna – You have 7 steps to, wealth, is that how you coach someone that maybe have an overspending problem or they have a, money mindset block, problem or their, money operating system, is not working properly? 

Step 1- Permission: All effective coaching starts with permission. The first step is to decide you have, money blocks,  to make the decision that you're ready for change.  There's no denying that you're giving up the Kanye West shoes and the brand name bags and other creature comforts. A lot of people who make financial transformation to, build wealth, find that they have to move.

They actually need a lower cost place to live; they need to give up the beautiful leased car so they can pay cash for a car and don't have monthly payments.  You are lowering your standard of living in the beginning and that takes courage. It takes willingness to sacrifice, so after you've made a decision then we catalog your vocabulary about money, this is really important.

Step 2–  Your money vocabulary –  no one ever wants to talk about, money.  You need to talk about money, to find out what your friend is doing; what's working, what's not working. You can provide advice or ask for advice if you want. What do you say to yourself about, money? Maybe some people think in pictures about, money, or maybe it's just an emotion.  You think about spending, money, and you get excited; you think about saving, money,  and you get sad.

I have my participants that I coach,  actually spend a month doing a, money, conversation log. What do you say to your partner about, money? How do you tell your customers about, money? For example, if you're a real estate agent and someone wants to pay you a four percent commission instead of a six percent commission, what do you say? What are the actual words that are coming out of your mouth?

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Building Wealth with Money Map

So, let's get specific about what you say about, money. We've got a, money map, we've actually got kind of your, money blocks, in black and white in front of us.

Now, we can really start the coaching. So, we have sort of highlighted and done the private detective work figuring out, what’s your actual, money blocks.

I‘ll give you an example, someone I coached found this counter intuitively. She felt rich when checks would get mailed to her, so she would put the checks in her desk and not send them to the bank. Isn't that strange? I can't even identify that block, that is like a serious, money, scarcity thing.

Myrna –  Did she not know the checks are only paper unless you get the, money?

Hilary – No. It was completely just something she was blind to, until we did the, money, conversation log and she saw it.

She saw it for what it was and she's like oh my God, this is crazy behavior; but no one's ever asked me about my, money, behavior, so I never thought about it.

Step 3 –  logistics of money I don't teach budgets, I think budgets are overwhelming and too detailed for most people. I think that people spend a lot of time designing a budget and then they never honor it or live by it, because it's too restrictive .

Step 4 – Earn money – You can't categorize every single expenditure you have, you're a busy person with lots of responsibilities.  So instead, I teach a system I call automation. It's sort of like the equivalent of irrigation in your garden little hoses bring, money, to the places where it needs to be.  People love it. 

  • you pay yourself first,
  • you pay your overhead
  • you save for your short-term goalsmaybe your next car 
  • you save for your financial independence first.
  • Then what's left over, You spend from one account and that way when that account gets to zero, you're not at zero, your money goals are already funded.

That's the plan and honestly most people get through the plan because it's very front-loaded. It is a lot of work in the beginning; but once you set it up, just like irrigation, it happens every time you turn the hose on. People pay a lot of, money, to coaches to figure out how to earn money and they can't figure out why their, money, still doesn't work for them and it's because they don't have these steps.

Step 5 – The ASK mindset –  Learning to ask is a  mindsetYou can ask for a million things :

  •  you can ask your credit cards companies for a lower interest rate,
  • you can ask your insurance for a lower premium,
  • you can ask your memberships for a discount.
  • You can ask  for a discount at Star BuckJust go askThe point is not whether you get the discount or not, it's having the mindset to ASK. We do a challenge inside my coaching program called “Get 100 No's  You win the game by getting a hundred no's and my assertion is, It will change your life. You're building strength your, money blocks, are going to be different. For someyou'll find that your, money blocks, are operationally systematized in your business processes.

Step 6 – Clearing the, money blocks.  in your business –  As an entrepreneur you're either under charging for your products or services or you're not spending enough effort getting prospects into your funnel. Whatever it is, there's some part of the process that's broken for youMy training is called “Eight Ways Business Owners can Transform Revenue into Personal Wealth, it is anon-demand training from October 8th to 15th.

So, you definitely want to go grab it.  This training is really for entrepreneurs who are sick and tired of working so hard for the, money, and having not much to show for it.

Step 7 – Protect – Once you clear your, money blocks, you can, build wealth, by protecting what you built.

I just want to show you how to climb out of that trap in this training and the great news is it's totally FREE

I want to encourage you, please subscribe to the Transform Your Mind’ YouTube podcast’s channelDefinitely trying to grow our audience. 

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Additional Resources 

http://blog.myhelps.us/rich-wealthy-9010-rule/

http://blog.myhelps.us/how-survive-an-economic-collapse/

 

How to Make Money Using The Law of Attraction

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How to make money, using the laws of attraction. As I did all these different, meditations, what happened to me was I was able to release out of my body and mind, all this inner turmoil and figure out, how to make money. I found my creativity, love and the wisdom that we all have within us. It was hugely successful to say the least that I found those, meditations.~Pragito Dove

Listen to the full interview here: 

Bio 

  • Pragito Dove is an internationally recognized Author, Hypnotherapist, Coach and Speaker with over 20 years’ experience.  Pragito helps entrepreneurs, leaders, and CEO’s align their mindset on, how to make money, allow more peace, time and financial freedom. She shows you how to change your money blueprint, recondition your mind for automatic abundance, and use Spiritual Laws of Attraction to create real world success.

Pragito – It didn't start off so great. I could tell you I had a very challenging childhood. I had a cruel mother and my father didn’t protect me. I just adored my father; but he was not in his power. He didn't stand up for himself and didn't stand up for me, so basically I got trodden all over by my mother. I was actually terrified of her; so what I did to cope was to shut down my heart and live in my head.

I had a lot of fear, I had a lot of anger and pain in my heart. I realized even as a young child that I was just going to have to sort of stick it out so to speak until I got old enough to do something about it.

In my early 20s, I heard about this Zen master called Osho in India. He had a wide range of, meditation techniques, including expressive, meditation. I started doing these, meditations, because I really needed to learn, how to make money, and release all those turbulent emotions that I'd stuffed down.

http://blog.myhelps.us/how-clear-money-blocks-build-wealth/

 

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There are several Meditation Techniques on How to Make Money

  • There was a laughter, meditation to activate the, law of attraction money
  • A fearless, meditation, for crying and releasing
  • There was a dancing, meditation, for joy
  • A gibberish, meditation, to just get out all the junk
  • Also a dynamic, meditation, great for dumping out anger and
  • A humming, meditation.

As I did all these different, meditations, what happened to me was I was able to release out of my body mind, all this inner turmoil and found inner peace. I found my creativity, love and the wisdom that we all have within us. It was hugely successful to say the least that I found those, meditations.

Myrna – How many years did that take you to release all the hurt?

Pragito – Well, it was a process.

It was just an unbelievable transformation that happened to me. I saw how it was possible for me, so I trained to teach all these, meditations, to others as well.  I realized I could create a business and help others use the, law of attraction money, and that’s become my mission.

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Hypnotherapy vs Meditation

Myrna – What exactly is, hypnotherapy, and how is it different from, meditation?

Pragito – Well, what I do with the, hypnotherapy, is I take people on a guided journey deep into their subconscious mind (because that is where the solutions to the problem lay).

Now, if we take, money, let's say someone is always broke or use his/her credit cards and pay off the credit card; but then goes back in the same cycle. That was me actually. I would pay off the credit card and then it'd be back on the credit cards again. Always getting to the same place like an inner ceiling and not being able to get past that.

What we can do in the, hypnotherapy, session  is go to the root of the problem and find out what is going on with their, law of attraction money, what they  learned about, money as a child.

Myrna – My last interview, we discussed, money blocks. I don't want to do too much into that because I had a whole episode on, money blocks; but would that be considered another, money block, or is there a different word for this particular blueprint like, law of attraction money?

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Using Hypnotherapy to remove Money Blocks

Pragito – The, money block, is what's blocking you from making money. The blueprint is your beliefs and what's guiding you. Like a blueprint for a construction project,   you're told this is the way life is and you believe it because that's what you're told.

I have to tell you something very interesting. I've been doing, hypnotherapy, for over 23 years. It's not about, making money, at all. It's about love. It's about deserving,  a lot of us believe I am not deserving, I am not worthy. Another way, ‘I'm not enough, I don't deserve wealth.

Myrna – I agree, Michelle Obama in her book – “Becoming”,  talked about not being enough  a lot. Even when she was first lady and even when she was a lawyer and successful; because she started off in the poor parts of Chicago,  she felt she wasn't enough and she felt that she didn't deserve it.

As a hypnotherapist, what kind of work do you do to remove that, money block, blueprint and activate the, law of attraction money?

http://blog.myhelps.us/accelerate-soul-journey-clear-money-blocks/

Pragito – Your, money, blueprint is sometimes formed in the womb! The child can learn, how to make money, from their mother. The mother doesn't want it or maybe the father doesn't want it, because it's all energy. We're all transmitting energy all the time and then the child arrives.  So I take my clients into a more relaxed state; but not going out.  They're still present and I ask the wisdom of their body, the wisdom of their heart and their higher self to bring forward for us the, money block.

Pragito – The good thing about, hypnotherapy, is because you're working at the root, when we've healed everything, it never ever comes back.

How to Make Money using The Laws of Attraction 

Myrna – Why is it important for an entrepreneur to understand how the,  Law of Attraction money, works and to invest in themselves? Do they have to start by being in a, hypnotherapy, session for them to understand their, money,  blueprint?

Pragito – Well it's just that the, hypnotherapy, can help to make it all go quicker. That's what the, hypnotherapy, can help with; but the place to start is with the awareness. It's a three-step process.

  1. The first step is “Ask for what you want”. However, you have to be clear, you need clarity on what you want.
  2. Then you have to focus on what you want and activate the, law of attraction money. You have to focus on it and let people know you want it. Get pictures of what you want. One tip I give is, Do not ask for, money, because the universe doesn't really understand what you mean by, money. Do you want a bag of, money, to fall on your head one day? Is that what you want? It’s much more powerful to ask what you want the, money, to buy. For instance,  I want a Lexus car or I want to go on a cruise.
  3. Step 3 is “allowing” This is the most difficult step and it's a step where most people fall down. You have to allow what you want to come to you. This is where the, meditation, is helpful. One of the, meditation techniques I teach with, meditation, is learning to witness the mind. You learn to misidentify from the mind, because the thoughts of the mind actually are not real. They are like shadows, like when you walk down the street on a sunny day and you can see your shadow, that's what thoughts are. They're like shadows, they are not real and they're often not true. The mind says things like “you can never have a Lexus, you’re broke.”
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What you learn to do with the, meditation, work is to observe, witness or watch the mind.  Learning to misidentify from it so that you don't get caught up in believing what the mind is saying and you can just relax and say “thank you mind,” and  just let the thoughts pass-by.

Those are the five magic words for the mind. Let the mind pass-by, just let it pass-by.

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Myrna – That reminded me I used to work with automatic negative thoughts and when I would hear the mind telling me something, I would talk back to it, because it keeps repeating all the time and then you talk back to it – I would say you better stop.

Pragito – Yes that's good, that's right. You better cut that out.

Good Vibes activate the, Law of Attraction Money

If we look at the, Law of Attraction money, on a scale of one to ten, one being our most negative vibes and ten being our most positive vibe,  All the, law of attraction money, does is it matches. It's a one trick pony, that's all. It doesn't care who you are or what you want. If you're some famous Hollywood actor or a rickshaw driver in Calcutta, it doesn't care.

All it does is match your energy. We really need to pay attention to our emotional state which is in the subconscious. With 95% of our thoughts being in the subconscious, if we transmit anger, guess what we get back, anger. If we're transmitting fear, that’s what we get back. So we have to pay attention to our vibes. Our only job is to keep our vibes positive.

There are many ways to do that and one of my favorite ways is the laughter, meditation. Well I do that a lot. That’s good and fantastic, because laughter really helps to keep your high vibes and then you're in your positive energy which is the, law of attraction money, state. At this point, your possibility of attracting, money,  is very high.

Whereas when you're in a negative state, of course it becomes very low. The most important thing is to be aware of your emotional state. We want to be aware of the thoughts of the mind; but that's only about five percent of it. It's the emotional state that is the most powerful and so here's another tip if you really want something and you need, money, to buy.

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How to Ask for the Money you want

Let's say you've got this really dinged up old car to take your kids to school and you need a decent car. So you say to the universe “look I really need a good car and you say it with a lot of emotion and with a lot of energy.  “I really need a really good car”. Your chances of getting what you want go up astronomically when you put emotion behind it.

But if you just say “well I’d like to have a Lexus,  it's on  my list but I don’t care. There's no real emotion behind it, then you're not going to get a Lexus. You might still attract it, but you won't get it as quickly as someone who's very passionate about what they want and puts a lot of feeling into asking for it.

Meditation, for Peace, Prosperity and Passion

Myrna – Let's talk about your book now. Your book is called “Lunchtime Enlightenment: Expressive Meditations for Manifesting Peace, Prosperity and Passion.” Now, tell us about your book. Is it working under the same foundations that we're talking about? We started with, meditation, and, hypnotherapy, then talked about the, law of attraction money, and prosperity.

Pragito – The, meditations, are for manifesting peace, prosperity and passion. Meditation, is being in the present moment and, meditation techniques, are important. The, meditation techniques, are there to help us and remind us to be in the present moment. Why do we want to be in the present moment? Because first of all we're aware of our feeling state, the feelings are always in the present moment and when we have that present moment awareness, we have the power of choice.

We can choose.  If we find our vibes are down, then we could say, I need to watch a funny video or comedy’.  ‘I need to get my vibes up right now, etc. That awareness gives you that choice. Let's say for example we feel really angry towards somebody, so it's not a good idea to talk to somebody when you're angry or when you feel angry with them.

In the book, I give suggestions for what you can do when you feel angry. There are two techniques in particular where you can dump your anger out in the sacred context of a, meditation technique, in the first stage.  Then in the second stage, you sit in silence and you find it much easier to sit in silence when you've let the lid off the pressure cooker. So, to speak and get rid of a lot of emotional turmoil, it's very easy to drop down. You will find inner peace in calm, your inner wisdom, love, creativity and all these good things.

Meditation Techniques  to Calm Anger

From that place you can decide what to do about this irritating person that's annoyed you. Do you need to talk to them? If you do need to talk to them, then you talk to them from that place of peace and calm, because that will help them become calm and peaceful; because normally they would be reacting to your energy. Then, the whole thing is just a big mess; but when you take responsibility that you feel angry and that it's not going to help to either dump your anger on somebody else or stuff it down. You do the, meditation technique, you're nice, calm and very likely to come up with a creative way to handle the situation.

That is perfect for marriages because a lot of people in intimate relationships blow up and it doesn't ever go anywhere.

Myrna – Tell our listening audience how they can get a copy of your book. Also, tell them how they can reach you to do any of your, hypnotherapy, sessions coaching and things like that because I'm pretty sure you get results.

Pragito – The book is on Amazon. Actually this book was just released in August and it's already a number one bestseller.

Myrna – Good for you, congratulations.

Pragito – Thank you. To find me, you go to my website www.discovermeditation.com/contact you can sign up for my laughing Buddhist Network newsletter and you get two free Gifts.

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iHeart Radio

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How Women Can Create Wealth Through Investing In Stocks

creating wealth investing in stocks

Ange Matthews, an investment expert and creator of the Happy Investor Method, teaches women how to create wealth by, investing in stocks. Ange emphasizes the importance of, investing in stocks,  as early as possible and treating it as a priority. She shares her own experience of, investing in stocks, during the Great Recession and how she learned to view market downturns as opportunities.

Ange also highlights the need for women to build their money legacy through, investing in stocks, as it provides independence and control over their financial future. She introduces her Happy Investor Method, which teaches individuals how to analyze and dissect investments in a way that is understandable and empowering.

Download the podcast here:

https://pscrb.fm/rss/p/https://chrt.fm/track/897G7/https://prfx.byspotify.com/e/www.buzzsprout.com/1761155/14227610-how-women-can-create-wealth-through-investing-in-stocks.mp3?download=true

Intoduction to creating wealth

Welcome back to the Transform Your Mind to Transform Your Life radio, podcast, and television show. I'm your host, life coach Marnie Young. Today, we have a special guest, Angie Matthews, an investment expert and creator of the Happy Investor Method. We will be discussing how women can prepare financially for anything from recession to divorce. This is an important topic that many women, including myself, need to learn about. So let's dive right in.

Angie, welcome to the show.

“Thanks so much for having me, especially in your current condition.”

You're very welcome. It's a good thing it's not in person, right? So let's get started. Angie, is there a secret you can share with the audience that can get them started with investing?

“The secret is, and I think it's not much of a secret, but something that folks really need to take action on. And that is you need to start today or at least put a date in the calendar and make it so that you start it. Treat it as if it's the most important thing on your to-do list and don't push it off. Set a date to do something. Because for a lot of us, we have it as a New Year's resolution, and before you know it, the year goes by, years go by, and you're going to be sitting there in your 50s, 60s, 70s, 80s, wondering why you didn't take action. Just saying that you were busy is not going to be acceptable for older you.”

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Investing for Beginners

That's a great point. Taking action is key. Now, let's talk about a challenging time or situation that could have ruined you, but you came out with a huge learning experience.

“When I first started investing, it was during the Great Recession. I was making a limited salary and living in an expensive city. At first, I started investing with just $100. And that's really my claim to fame. A lot of people know me as saying that you can invest $100 a year and your life can change. When the value of my investments started going down, I could have liquidated like most people did. But instead, I doubled down and accelerated my wealth much faster than others who sat out or liquidated.”

That's a great lesson. It's important to stay calm and not make rash decisions during market downturns. Now, let's talk about why investing is the best way for women to build their money legacy.

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The Stock Market Game: Investing in Stocks

“Women often face financial challenges, such as lower pay and being the primary caretakers. Investing allows women to outpace the amount they're earning and create independence. It's about taking control of your financial future and not relying on others or the system to take care of you. Investing is a way to make your money work for you and create a balance between the lack that many women experience.”

That's a powerful perspective. Investing empowers women to take control of their financial lives and build a secure future. Now, let's dive into the Happy Investor Method. Can you tell us more about it?

“The Happy Investor Method is a method I created to help people understand investing in human terms. I humanize investing through analogies and making it relationship-based. The method focuses on analyzing and dissecting investments in a way that doesn't overwhelm or confuse people. It leads with the emotion of happiness and shows better results. The method teaches people how to make their money grow and achieve financial independence.”

That sounds like a comprehensive and empowering approach to investing. Now, let's discuss how women can prepare financially for anything from recession to divorce.

How to start investing

Ange teaches women, how to start investing in her course “The Happy Investor Method” She teaches women how to create their own independence. It helps them understand investing and make informed decisions. By, investing in stocks, and building a portfolio, women can have control over their financial future. In the event of a divorce, having investments allows women to have liquid assets that can be used to support themselves and their families. It's about being prepared and not relying solely on a partner or the system.”

That's an important point. Investing in stocks, provides women with financial security and the ability to support themselves in any situation. Now, let's wrap up with some final thoughts.

“My final message is to take action and start, investing in stocks, oday. Educate yourself, learn how to make your money work for you, and don't be afraid to take control of your financial future. Investing is a powerful tool that can help women build their money legacy and achieve financial independence. Remember, your future self will thank you for it.”

Conclusion: how to start investing in stocks

In conclusion, investing in stocks, is a crucial skill for women to master in order to build their money legacy and achieve financial independence. The Happy Investor Method provides a comprehensive and empowering approach to investing, teaching women how to make their money grow and create their own independence. By taking control of their financial future, women can prepare themselves for anything from recession to divorce. It's time to take action and start investing in the, stock market, today.

Additional Resources

How to Build Multiple Passive Income Streams

 

How to Deal with Grief from Death or Incarceration

Coping with, grief,  either from death, divorce, incarceration, job loss, or even loosing your home is devastating. Mental Health counselor, Arifah Yusaf  and, Life Coach, Myrna Young shares strategies for coping with loss.

I have been fortunate at 60 years old to not had to deal with the kind of, grief, that tears your soul out. The kind that of,  grief,  makes you want to die. The kind that  hurt so bad that you can't get up out of bed for weeks.

I have heard stories, and I have had a front row seat to my daughters grief when she buried her fiancé.

Grief from Losing a Child:

I was listening to an interview with Anderson Cooper a few months back and he was telling the story of his brother suicide. Then I heard his mother, Gloria Vanderbilt,  talk about it. Put yourself in this scene.

Your 22 year old son wakes up from a nap and comes into your room. Asks you some question you don't comprehend and then runs out of your room onto the balcony of your 12th story Penthouse suite and jumps to his death while you watch, shocked out of your mind.

Gloria Vanderbilt, had this experience. In an interview she said in her, grief, she stayed in bed for 2 weeks and cried and cried until she ran out of tears. Since then she has not cried once. She says it is as if, she has no tears left.

When a loved one commits suicide the, grief, is even more acute because there is blame wondering what you may have missed, could have done to prevent it, are you the cause etc.

But after hearing that interview, I heard another interview on the, Mental Health Happy Hour podcast, that penetrated my consciousness about the horror or, grief,

Podbean Transform your Mind Podcast

Podbean 

Grief and the Death of a Spouse:

The guest told the story about, the death of her spouse, seeing her husband drown in front of her and how her world changed from that day.

Here is her story. She said her husband Matt was a super athlete very strong. She gave us the mental picture of him hanging from a cliff with one hand and in the other hand pulling up his 17 year old son.

One day before they picked up her husband's son from the Airport, they decided to take their dog for a walk in the woods by their home. Her husband decided to take a quick swim in the river, something he did several times per week. She decided to keep playing with the dog.

After some time, she said she heard her husband cough once and she didn't think anything of it. She said to herself, he got water into his mouth again. When she heard him cough again, she decided to investigate. When she reached the river, she saw her husband clinging to a branch in river. She knew something was wrong.

The river looked the same as it always looked, very calm on top; but as soon as she stepped into the river to help her husband, she felt the strong undercurrent. The current took her and her dog up the river for about 2 miles before it spit them out on the shore. She said she was then lost in the woods for about 45 mins before she was able to get help.

They began a search and rescue for her husband, but  after 3 hours it became a search and recovery.

They found him entangled in weeds at the bottom of the river.

My husband drowned in front of me

Her, grief, extended to having to tell Matt's son that his father was dead. What it felt like to pick up Matt's son from the airport the day before his 18th birthday.

Knowing that Matt's son could never again celebrate his birthday again because it will always be the anniversary of his Dad’s death. She talked about having to call Matt's parents and tell them their son was dead. She said his father hung up on her he didn't want to believe it. Calling all his friends in his phone and telling them. Her, grief,  was unbearable.

She said she could no longer practice her profession as a therapist, because she couldn't listen to other people's problems anymore. But the point she wanted to convey by telling her story, was that while she was in mystery and her world changed forever, her neighbors world and everyone else’s world continued unchanged.

The sun came up the next day, her neighbor came out the next day and picked up his morning newspaper. She likened it to going to the movies, you pay to see a comedy but while everybody else is laughing your screen split and you are watching a horror movie.

Transform Your Mind iHeart Radio
iHeart Radio

Grief from Suicide:

My firsthand experience with, grief, was seeing the pain it caused my daughter when her fiancé committed suicide. His mother called me and I thought she was joking when she said ” The boy killed himself” until she said why would I joke about something like that.

I had the unenviable role of telling my daughter her fiancé was dead. I can still hear her screens of anguish. I didn't know what to do.

Her world changed. She quit school. She was doing her Masters degree at the time.

She went back later; but I had to call her professors and tell them the situation.

Then she had to deal with the funeral and the burial.

I didn't know what to do, what to say or how to help her with her, grief.

Transform your Mind Spotify Podcast
Download on Spotify

The therapist said that most people don't know what to do or say.

Because our culture spins the tale that life must go on and that everything has a purpose.

She feels that is bullshit to sat that her husband died, so that she can use her pain to help other people. What she is doing now.

She said you can't tell a mother who lost her baby that God had better plans for the child.

We will go through her suggestions for helping others deal with, grief, and what you can do to help later on in this blog

Here is how to deal with, grief from incarceration: Grief Counseling,

In the co-host chair is Arifah Yusuf Mortley, registered social worker, mental health counselor and founder and program director of Lifted by Purpose.

How is, grief from incarceration, similar to losing a loved one in death?

In my experience I have supported both clients in, grief counseling, dealing with, grief, of a loved one who died and secondary loss, such as losing a loved one to incarceration. When speaking with my clients, dealing with the loss of a loved one, I always listen and provide the space and opportunity for them to be heard and share their feelings.

It’s important for them to know during, grief counseling, that grief, is a natural response to loss. It’s the emotional suffering you feel when something or someone you love is taken away. The more significant the loss, the more intense your, grief, will be.

Emotional reactions of, grief,  can include anger, guilt, anxiety, sadness, and despair.

During, grief counseling, clients may associate grieving with the death of a loved one—which is often the cause of the most intense type of, grief, but you can also experience intense, grief from incarceration,  or losing a loved one to incarceration.  For example, I had a client who was pregnant and her fiancé was sentenced to 6 years in prison.

Grief while incarcerated

Even though he did not die the, grief, was intense from her watching him get sentenced and taken away the same day, delivering their baby without him present, and raising their child on her own.  She would drive 3 hours to visit him and 3 hours back home once a month and speak to him as often, as she could afford.

Over time the, grief from incarceration, took a toll on her, as this was not the family life she had envisioned for herself.  Likewise, it was difficult for her fiancé in prison, as he felt he was missing out on the experience of raising their child, and the experience of being the father he promised himself and her, he would be.

He felt disappointment in himself and a disconnection to his family. He also, experienced, grief,  from loosing his freedom, and the ability to provide for his family.  He also grieved missing all the milestones of his child's life (ie. Missing first words, walk, first day of school, birthdays) and intense worry about their health and safety. As well, wondering if his girl would leave him for someone else. The inevitable of not being able to fully control situations, was an intense loss for them both, and sometimes, she would say it felt as if he was gone and not coming back home.

Transform your Mind TuneIn Radio
TuneIn Radio

Steps to helping friends or family members deal with, Grief:

1: Never say get over it or it is for the best.

2: Allow them to grieve. If they want to talk about it listen. They need to feel heard. In fact they will talk about it until they feel heard.

  1. Help them by taking care of daily necessities like child care, cooking, cleaning, taking out the trash, picking up kids from school etc. A person in, grief, is not capable of doing any of these things.
  2. Sit with the thought that time does heal. The therapist went back to work helping others, my daughter went back to school and graduated on time with her Masters degree. She is getting married in December. Anderson Cooper decided to send himself to the war zone and report news. That is how he dealt with his, grief. That launched his career as a reporter.

How to Deal with grief from incarceration or death

Listen and engage  in conversations about the loss, so they can begin to recognize the reality of the loss and confront their own emotions (e.g. loneliness, sadness, helplessness). These stressors include things like thoughts, feelings, actions, and memories that cause us to feel, grief, and focus on the loss.

I share the Tear Model when working with clients, which focuses in on the following.

The Tear Model to help with, Grief

  • Accept the reality of the loss
  • Experience the reality of the loss
  • Adjust to a new life without the person
  • Reinvest in the new reality

I often explain that restorationorientation refers to coping with issues related to secondary changes brought on by the loss (e.g., financial, family demands), and adapting to these issues.

A griever will go between confronting the loss and avoiding the loss.

Transform your Mind Stitcher
Transform your Mind Stitcher

Helpful ways to cope with, Grief, and Loss

  • Express yourself. Talking to a trust friend, family member or counselor is often a good way to soothe painful emotions.
  • Allow yourself to feel sad. It's a healthy part of the grieving process.
  • Keep your routine up.
  • Sleep.
  • Listen to music or express your emotions using the arts
  • Connect with your spiritually.
  • Eat healthy and exercise.
  • Avoid drugs and alcohol.
  • Honor your special person and treasure fond memories (drawing, photos, music, and memory box).
  • Connect to nature – go for a walk, breathe in the fresh, focus on what you see outside (i.e. Trees, birds).
  • Make a special memento to perverse a loved one’s memory. Write a letter to the person.
  • Lean on support from friends, family, professional support.
  • Learn about grief resources, support groups, grief professionals.
Transform your mind iTunes Podcast iTunes
Download on iTunes

 

ADDITIONAL RESOURCES FOR COPING WITH, GRIEF

How to Heal Your Brokenness

Life After Death: How an Atheist Became a Believer

http://blog.myhelps.us/how-to-find-the-right-man-the-second-time-around/

https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3131745/

 

https://www.themarshallproject.org/2017/11/10/the-singular-sorrow-of-grieving-behind-bars

 

How to Build Multiple Passive Income Streams

building multiple income streams

Looking for, passive income streams, for retirement? Jack Gibson, President of High Return Real Estate, shares how to use real estate to build passive income.

Today’s episode in the 3rd in our series on building wealth with Real Estate investments.  My intention is to sow seeds into your subconscious that 2019 is the year to build your net worth. The power of intention is an invisible force of energy in the Universe. It is activated when we become inspired and will propel us towards our goals.

Looking for a Passive Income Coach? Check out my one hour coaching special on Shopify  

  • Guest Biography

Jack Gibson began his entrepreneurial journey at 19, and founded his first company at the ripe old age of 21. Operating a successful nutrition consulting and distribution company.  He had built a multi-million dollar venture before he was old enough to rent a car. Soon thereafter, he bought his first home as an investment. One home quickly became five, and then the bug hit. He became obsessed with learning everything about Real Estate Investing and soon had over 50 investment properties generating Massive amounts of passive income. Today, Jack spends his time mentoring other entrepreneurs, building his real estate investment portfolio, and helping other investors to build a brighter future through the power of turnkey real estate income.

 

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Show Notes

My very first business that I started at age 19 was  a multi-level marketing nutrition distribution business.  The whole goal of that business was to build up a sales team and create ongoing, passive streams of income, so  I got that concept right away. I built that business up over the years and we currently have annual revenues over ten million dollars.  The last couple years it's been a little bit more part-time or quite a bit more part-time as I pursued building my real estate company.

But I mean I still love it, I still love the people and I love the, passive streams of income,.  Two years into my network marketing company,  I read the book Rich Dad Poor Dad, that was the book that really transformed my mind to start thinking about utilizing real estate as a way to deploy the cash that I was making in my primary business and add additional, passive streams of income,.  I was still investing in stocks until about 4 years ago.  I was in stocks for most of the last 14 years, so about four years ago two events happened that were critical and really pushed me over into investing into real estate as another, passive streams of income,

There were two negative events,  but you know most negative events if we look back we can find the good in them.  One of them was I had some insider information, not anything illegal by any stretch,  I mean I knew that our company had a good earnings quarter.  I mean it wasn't that hard to figure out based on what I heard from all my colleagues, so that's kind of my insider information.

I bought into the stock about a week before the earnings report was to be released expecting things to be great.  Well the earnings report was phenomenal and typically, not always but typically stocks go up when the earnings report is great.  Well this  billionaire Hedge Fund investor was very well known as  an activist in terms of shorting stocks.  He gets on our company earnings call,  he asked  three or four pointed questions and then it appeared that he was shorting the stock;  the stock drops 30% overnight.

TuneIn Radio

Stocks as a, passive streams of income,

I realized then that I didn't have control over stocks. Not even a sure thing is guaranteed. I want to be in the driver's seat and put myself in a great position where I have as much control over the outcome as possible.  I took that as my sign that this is my time to learn a new asset class and another, passive streams of income, it was the final push.  I told myself, I'm going to draw the line in the sand.  So I studied real estate and listened to podcasts for a hundred straight days.

Jack you know that someone listening is going to pay devil's advocate and say the same thing happens in real estate.  What's your come back on that?

iHeart Radio

So here's what we have to consider when looking at real estate as another, passive streams of income,  we look at the past.  I mean could go back 100 even you know 200 years or whatever, the variance between real estate and the stock market is almost four times different.  If you look at historical data,  the swing in the stock market is around a variance of 16 or so from year to year.  Real estate has a variance of four.  That means from year to year on average that the swing in the market is going to be four percent, so you're not quite so volatile in real estate.

The other part in this, passive streams of income, scenario  is it that you're  investing in the real estate as  Robert T. Kiyosaki says, for the cash flow that it produces.  Not necessarily for it to go up in value.  You really don’t care if it appreciates or depreciates. As an investor and you're renting it out and you will always be able to rent it out for more than the mortgage payment.

 

At the same time  property values  will go up eventually, even if it dips for a little in the short term.  I was listening to the Automatic Millionaire Homeowner and the author was interviewing homeowners who lived in their homes for about 2 years and then sold and moved to bigger homes, and became millionaires because homes always go up in value.

We've discussed  real estate, we've talked about the stock market and we've also talked about multi-level marketing.  I understand why that's been your foundation for, passive streams of income, because you've been you've been taught well.  You stayed in the business  for 20 years so you must be really doing well, because everybody that joins the business under you feeds you, passive streams of income,.

Multi-Level Marketing a Tool for generating, passive streams of Income,

Yea, it is phenomenal. If I could describe the business to people without saying what it was they'd be like wow that sounds too good to be true. I have a multi-million dollar business that I work right here from my home office.  That I help people with their health and nutrition. I have no employees, I have no accounts receivable.  I have no inventory, I have no monthly overhead whatsoever.  I have a free cash flowing business that produces ten to twelve million dollars in sales revenue per year.  That's not obviously my income; but a percentage of that.

Skilled , passive streams of income: Writing a book, Music, software

That’s why, passive streams of income,  is so important.  On my website, www.myhelps.com  I talk about a some other forms of, passive streams of income,  like writing a book, or writing music.  Mariah Carey wrote the song “All I want for Christmas”  in 15 minutes. She's generated sixty million dollars in royalties off of that 15 minute work.  So her, passive streams of income, is phenomenal.

Explain what we mean by, passive streams of income,  which ones would you recommend it to a seasoned investor or someone just starting out?

Passive income is created from work you have done in the past, that is paying you today.

You have one or two scenarios.  You either have money at work or capital at work and you're drawing royalties. There's multiple ways to go about creating, passive streams of income,  it boils down to either unskilled or skilled forms of passive income. It’s like what you talked about in terms of creating music and selling music, or writing a book, or creating a piece of software that you then are able to license out and sell.  Those are very technical skills, very skilled types of, passive streams of income,.

Creating, passive streams of income, from a business  I won't say is unskilled in terms of work. It does it takes skills to put the right management team in place.  There's a way you can have any type of business that you set up  to become a, passive income stream, if you're not involved directly in day-to-day operations, then it's a, passive income stream, business.

To listen to the full interview, download on iTunes and please subscribe and leave a review.

Download on iTunes

Check out Jack on the web https://highreturnrealestate.com/.  All of our properties are listed on the website. Nicole is the Head of Investor Relations and she will be happy to answer any questions.

On the nutrition side,  we have a brand new system, it's a nine week online body transformation Course that we're planning on scaling so that over 10,000 people can participate. Check out Jack's Body Transformation podcast 

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Additional Resources:

Top 20 Areas In Miami For Increasing Property Values

25 Best Passive Income Ideas to Make Money in 2019

https://wellkeptwallet.com/passive-income-ideas/

https://wallethacks.com/passive-income-ideas/

http://blog.myhelps.us/create-a-freedom-lifestyle-with-investment-property/

How to Succeed in Commercial Real Estate

Martin Sawa Commercial Real Estate

I thought about all the things I could sell and, commercial real estate, looked like the biggest assets and I figured they must have the biggest commissions.

Martin Sawa's story is about the American Dream. He went from selling hair brushes door to door, to becoming a success in the world of, commercial real estate, in the top market of San Francisco.

Download the audio here

https://pdcn.co/e/https://chrt.fm/track/897G7/www.buzzsprout.com/1761155/9794688-how-to-succeed-in-commercial-real-estate.mp3?download=true

Bio

MARTIN SAWA is a first generation Ukrainian American, former San Francisco real estate power broker, and author. His remarkable rise to, self-made wealth, from the humblest beginnings.  A devastating loss forced him to reevaluate the meaning of success, and how the impact of love, family, religion, and race shaped the metaphorical zoetrope of Martin’s own, American Dream.

A son of poverty-stricken Ukrainian immigrants who as a teenager sold hairbrushes door to door, Martin later quit a stable 9-to-5 job to try his hand at the high stakes world of San Francisco, commercial real estate, in the early ‘80s. As the demands of the job required more and more of him, Martin found himself in the grip of, alcoholism. It would take a tragedy to pull him out of it.

  Martin’s new book THE OTHER SIDE OF SUCCESSMoney and Meaning in the Golden State is an account of the new American experience, told from the perspective of a first-generation immigrant who made the, American Dream, a reality. The book tells stories of the glamorous and cutthroat world of, commercial real estate, in the second most expensive market in the country. Readers will be inspired by Martin’s tenacity and drive as well as his resilience in the face of personal trauma and tragedy.

book The other side of success
Book The Other Side of Success

Getting started in Commercial Real Estate

Myrna: I love your story. Can you bridge for us as we start off. I know you sold hairbrushes from door to door. What was your entry into, commercial real estate, like? How did that happen?

Martin: Well, at the time I was almost 30 years old, (I had grown up in the Midwest but moved to California) I was living in Oakland which is across the bay from, San Francisco. I had a dead end job – I was driving 40 miles one way down to San Jose and I was a city planner.

One day, I was standing at the counter processing permits and a developer came in. He was angry and waving his plans. As I looked at him, he was like a silver fox with a big gold medallion. I wondered why I was doing what I was doing because not only did I not like the job, I was dead broke and my then wife was pregnant with our daughter. So I just quit and walked away. I didn't know right away what I was going to do, but then I remembered when I was a teenager my first sales job.

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Google Podcast Transform Your Mind
Google Podcast Transform Your Mind

When I just finished high school, I sold the hair brush products, door-to-door sales, in the west side of Chicago. I was good at it and it taught me, sales skills. I had a great mentor too who taught me the, fundamentals of sales, and I knew I could sell. The, fundamentals of sales, don't change whether you're selling hair brushes or high-rise office buildings as a, commercial real estate agent. It's just a difference of degree.

Specializing in Commercial Real Estate

I thought about all the things I could sell and, commercial real estate, looked like the biggest assets and I figured they must have the biggest commissions.

Myrna: Yes, why not go for it?

Martin: I go for it and I started out. There are many specialties or work opportunities and, commercial real estate,

  • You can do brokerage,
  • leasing office space,
  • property management
  • I chose to be in investment property sales which was the riskiest because these deals took months to put together.

If they came together at all!  You weren't guaranteed a paycheck and usually had to wait a long time to see the money. It took me a year before I actually got my first commission check. So, that taught me how to make ends meet without having any money coming in.

Door to door sales is usually the first entry into sales

Myrna: Wow, there are tons of things I want to circle back to, – one my entry into sales was similar. I sold encyclopedias from, door-to-door sales, and found that I was good at it.  Not because I had any, sales skills, they didn't really teach us any, sales skills, but I learned that I had the, personality, that people would buy from me.

I went into sales later on in my career as well. As I mentioned, I'm a, Realtor, but, door-to-door sales, kind of started my, sales career.  I've always sold that way with my, personality, not necessarily knowing that there's a stage one, two and three, sales skills, and following it kind of format.

The second thing is about, real estate, whether it's, commercial real estate, or,  residential real estate, is that you are working and you don't get paid until there's a closing. So, obviously, the bigger the deal, the longer it's going to take to put together, the longer you have to wait for a pay check.

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Pandemic affected Real Estate

I started trying to get into, commercial real estate,  just before the pandemic hit. Everybody wanted, multifamily real estate, because they said it was recession proof. Real Estate Investors,  and there were people calling me all the way from California and all around the world even as I'm in Florida. They wanted these, multi-family deals. What happened is that the sellers wanted more money that the buyers were willing to pay.

So, I was never able to get it married, get a marriage and get this big ass commission because I offered one of the buildings for $10 million, so it should have been a really nice commission but then the pandemic happened.

Now it looks like multi-families wasn't recession-proof because now, nobody really wants to touch him because of the eviction ban. The tenants are not paying their rent and you can't evict the tenants.

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Commercial Real Estate Glamourous and cutthroat

Myrna: Why did you say that, commercial real estate, is glamorous and cutthroat?

Martin: It’s the people would use you up and just throw you out, that kind of thing – like they do in the residential. Well, first of all, you have to understand my perspective or baseline. My parents grew up in Ukraine in the years before and during the Second World War, they lived under both Hitler and Stalin so it doesn't get any worse than that.

I will say one thing and if you've been in the business and you understand that you can work like crazy a year on a deal and it falls apart and on another deal you can work 10 minutes, five minutes and make a huge commission and you have the mindset that that's the way it works. If I could predict which deals I was going to close, I could have worked one month out of the year!

Myrna: You mentioned that San Francisco is the second largest, real estate, market in the USA. So, I'm assuming the top is New York?

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Martin:  It always used to be Manhattan but then with the expansion of Silicon Valley, and in San Francisco, (historically was a financial services city) there are insurance companies, banks etc., but with the technology explosion, it moved up into San Francisco so now half the tenants are tech. The whole nature of the business changed in terms of who were your customers and clients, and with tech you got all these. All of a sudden, billionaires living 30-40 miles down the Peninsula, in the Los Altos, Hills of Palo Alto etc., and the prices not just in San Francisco but throughout the Bay Area just exploded.

Commercial Real Estate in San Francisco

So, San Francisco, caught up to Manhattan sometime in the last five years and just in terms of absolute property value per square foot, not only for commercial but for residential as well.

Myrna: You said that when you were doing, door-to-door sales, you had a mentor that taught you the skill sets to sell and you said it was transferable. Can you give us a bit of the skills that you learned doing, door-to-door sales, and how you're able to transfer those skills into being successful a, commercial Real Estate agent?

Door-to-Door sales convert to Commercial real estate skills

Martin: If you sold encyclopedias, you understand it's the most kind of basic Fundamental mono a mono that you can have. It's you and another person, and that person in my case was typically a housewife in her personal home environment. So, it's you the housewife. The key is – if they open the door at all you have a minute or two to develop trust to get in two minutes and you either do or you don't.

If you're broke and extended on credit cards and have a baby girl and two step kids, you're going to do whatever it takes to get in that door, and that cannot be taught. The sales supervisor can kind of tell you how to do it, but you've got to be hungry. That’s pure desire, you take the rejection and keep going.  If you get rejected at ten houses, you're going to go to the 11th. So, once you get in, there are techniques for converting the trust into an order and making a commission. I was again fortunate because the mentor I had was very good at teaching me these, sales skills.

Alcoholism and commercial real estate

Myrna: Before we get into your book, what happened that made you become an, alcoholic, and how did tragedy and self-resilience pull you out of that?

Martin: Well, there’s just a little back story in the little town I grew up in. I had a population of 5000 people and 40 bars. Most of the male population in the town was quote, alcoholic. I was a two-fisted drinker and that was a compliment. I mean that's just the way those times were and it's still that way in many parts of the world, in rural areas where alcohol drives a lot of choices that people make and sometimes they're not very good.

I started drinking beer in cornfields when I was 12 and then, I went to College and I finished at University of Wisconsin in Madison which was a huge party school and it's just something I did. When I got into, commercial real estate, there were all the functions and cocktail parties, so I just remained a, functional alcoholic, in the business, but it became more and more of an issue when I remarried my second wife.

She became the person who was not only wife and lover, but became my spiritual mentor in moral compass and she had powers in what I call the world of the unseen. I think you probably can guess what all that involves. It got to the point that there was a major incident (I won't give you the spoiler), you just have to read the book, but it came down to her saying “you either quit drinking or that's it”.

Transform your Mind Stitcher
Transform your Mind Stitcher

I got it and I did what I had to do then, but the really most impactful experience in my life was a few years later when she dropped dead one night. There was nothing to prepare for that experience and that's when I really had to evaluate the big picture and business and all of that and then life and meaning.

Tragedy and alcoholism

Myrna: That is you've got “a you” and a great story. There are so many different nuggets and many different checkpoints in there. You said you share all this in the book so that people would be able to understand the, sales skills, understand how you were able to move through, alcoholism, and now you're on the other side.

You learned the fundamentals like you said and then you're able to build on that by being at the highest level of, real estate. You know, commercial real estate, and in a city that is number one or number two interchangeable in, real estate. I'm pretty sure you've got a lot of good stories in there.

Your book “The other side of success, money and meaning in the golden State”, my favorite question to ask authors is what do you want readers to walk away with after they close the book?

Martin: If I just wanted to work off grief, I could have kept the personal journal. First and foremost I created it as a story. I think I have a good story that even if, commercial real estate, is not something the reader has a high interest in, they will find enough else in there about life and so forth – that they'll find rewarding.

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Transform Your Mind PTWWN TV

Living the American Dream

Myrna: Your parents lived in the Hitler era, you came to America as we all come to America hoping for the, American dream.

You found that dream, but along the way you had some personal tragedy and, Alcoholism, but you were able to get over to the other side. Now, as you write the book, you're sharing the story of personal tragedy and success with some business nuggets. Do I get that right?

Martin: Yes, exactly okay. I try not to get too technical also because this is for the general reader in terms of, there's one chapter devoted just for, commercial real estate, and share how I put a deal together.  I try not to get too much in the financial aspects and all of that.

Myrna:  That's good though, because when you've got, commercial real estate, in the tagline, someone will pick it up because they're in, commercial real estate. So, it's good that you have a chapter on putting together deals in, commercial real estate.

Conclusion

Martin: If listeners would like to buy the book, the easiest thing is just to go to my website www.martinsawa.com. You can buy it online from Amazon or the bookseller of your choice. With another click, go to my social media sites where you can see some of my other archived interviews. If you scroll to the bottom you can send me an email. I love to hear from readers.

Myrna: This was a very great interview. Like I said, I love combining self-help with a bit of business and building wealth. In the, commercial real estate, you didn't want to talk about your commissions, but I am sure they were impressive. The deals may take one or two years to do, but in the end it's rewarding. Do you have any last words for the readers?

Martin: Yes. Take advantage of the time while you have it because you never know when the big guy is going to call your Number.

Additional Resources

How to Own the Sales Process from Prospect to Client

Real Estate Investing with No Money

 

How to Recover Financially After Coronavirus Pandemic

How to recover financially after Coronavirus pandemic

We have been in a, pandemic, situation for over 15 months now. Many of you who are reading this blog, have experienced some, personal finance, problems. We know that Amazon, Walmart, Google and all those big brands actually made millions of dollars and were very profitable during this, pandemic.

But, it is a fact that ordinary people like you and me had some struggles. Financial planner, Michelle Arpin Begina is going to share with us how to change our, money mindset, by paying attention to your, money story.  Your, money story, shows up in good times and bad times. So, keep reading to understand how your, money mindset, affected whether you thrived in this, pandemic, or just survived.

Listen to the full interview:

 

Your Money Story

This is the time to really get curious and ask yourself, What is my, money story? Go back and trace the roots of your, money story, and experiences?

Similarly, ask yourself as an adult, What did I hear growing up about, money? What did I take away from the big financial moments of my life? What were some of the behaviors that I observed from other people or my parents, that influence my, personal finance, now?

  • Did you become a consumer or did you become a miser?
  • Did your parents tell you all the time ” Money does not grow on trees”
  • or ‘Money is the root of all evil”

Those messages are a part of my, money story.

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Your Parents Money Story

Michelle: I remember growing up watching my parents and saying to myself two things:

  • If only they could get their, personal finance, act together, because they had all the ingredients to have everything they wanted. We all have it within us.
  • The second thing I said was: this is not going to be me. But, as it turned out. When I first got started out, I started following their footsteps.

Myrna: Oh! You became a, consumer, too?

Michelle: I did! I bought the new car when I was 19, while I was paying my own tuition and rent. So, I lived with that feeling of financial insecurity. I kept it going with, personal finance, problems well into my 30s and then I turned it around.

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How to Thrive after the Coronavirus Pandemic

Myrna: What is the, personal finance, lesson that you want to share with us, that can help the people who are barely surviving?

Michelle: I can say that it's not just about the, consumers,  and the savers, but there's probably more depth to thriving than that. We have to go into some biology.

Myrna: So, let's take a deep dive into biology of the, money mindset.

Michelle: Alright! We've got to cut slack for the, consumers, and the savers. Putting away money for a rainy day, could turn someone into a tight wad, where they are not enjoying their, money. There are so many different translations that can happen from what we take in as a child and that forms our, money story.

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Become friends with your future self. 

Let's talk about flourishing for a second. We are hardwired to live in the moment, because we are psychologically distant from Michelle 10.0.

We are not friends with our future self. Michelle 10.0 or Myrna 10.0, is not our relative. We don't feel this connection with her today, so we can't help it. This is who we are as people, this is our biology. It's very difficult to handle, money, outside of what our needs or wishes or even impulses are in the moment.

What we need to do is recognize this. When the 401K rep comes in, when you don't have two dimes to rub together and say if you put away the maximum amount in this account, you'll be a billionaire by the time you're 65. When you were 22, it's going to go in one ear and out the other. You tell the 401K rep, I can't even afford lunch! A 22 year old has no relationship with her 65 year old self.

Myrna: You hit the nail right in the head. I was just saying that people can't save because they have no extras to save.

Most of us have more month than, money!

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Transform your Mind Stitcher

Transform Your Money Story to protect your future

Michelle: What we can do to help ourselves and transform our, money story, is to literally create a relationship with your future self. The closer we feel to that person, as if they were really alive today and is our friend, the more that we're going to act in their best interests.

There are so many new little things that we have to accomplish in the day-to-day details to get us to that overarching goal. So, when we're in the moment of the impulses or just choosing between two different things, and we want to maintain, self-control. What actually helps is to create distance in the moment. When we talk to ourselves in the third person, it actually helps us to control our behavior in the moment.

Myrna: I get it like saying

Myrna would never do that, Myrna is going to do is make the choice that is going to really help her in the future.”

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What the Pandemic taught us about our money story

Myrna: Let's get back to the, pandemic. What has the, global pandemic, taught us about, money?

Maybe you're going to be a little different because, money, is your work, and you study it. Did you learn anything new about yourself and your, money beliefs, during the, pandemic, what do you think the global lesson was for us?

Michelle: I‘m a little afraid to answer this question.

Myrna: Let's talk. It's just your opinion.

Michelle: What I‘ve learned during this, pandemic, is a little embarrassing to say out loud is I learned a whole lot more about our systems and just how differently everybody is impacted, was the biggest thing that I witnessed.

Heartbreaking really in many ways and I‘ve discovered is that our systems were not designed to take care of people. Our systems were designed for the efficient management of accounts to obey the laws, rules and regulations. Many people had no, money, in the Bank because they didn't see the need to save or to put something away for the rainy day. This, pandemic, exposed that flaw. 

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The Pandemic changed our money story

Myrna: Do you think that our values have changed, now that the, pandemic, highlighted our, money mindset?

Michelle: That's basically what I was trying to get to as far as, money mindset, and the fallout from our, money story. Maybe their, money mindset, was thatyou get it”, you spend it that kind of thinking. I like to think – I mean it's hard to know on a such a broad level whether it has or hasn't, but I think for someone who was probably scared to their core, there will be a change to their, money mindset.

  • If they lost jobs or clients,
  • Were not able to continue to work or couldn't pay their rent or mortgage. Their, money mindset, will shift to saving for a rainy day.

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We've heard so many different things happened. The income that I was relying on to make my month is evaporated or it's down etc., but to me, it really is that, fight or flight, or life or death kind of an experience. On the other hand, we may want to totally push that out of our mind because it was such  an awful experience.  

I think for a lot of people who maybe saw, for the first time, at their own hand, how perilous their situation could become. I think those people have probably changed their, money mindset.

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What's your success formula to change money mindset

Myrna: Great!!! You're a financial planner. Do you want to share your, success formula, or how you help your clients to develop a relationship with their future self and change their, money mindset?

Michelle: What a, financial planner, does is to help you with, personal finance such as:

  • Plan for the rainy day,
  • Put away for retirement,
  • Save to buy a house,
  • You plan for vacations.

Myrna: That's what you guys do, right? I understand you have a, success formula, can you share that? Like thinking about what resources did you bring to the table not just with, personal finance, but who did you know, what did you know etc..

Michelle: The, success formula, can be called your superpowers. We use the word superpower so much, but what part of you is special and unique? What do you bring to the table in every single one of your successes? We use that information to develop hope, optimism and resiliency.

What superpowers did you use to pull those things in when times when facing difficulty or you faced a challenge. How did you react when there was an upside surprise?

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All of those traits that I just described, in whatever way someone uses them, it's so cool. I mean we've all got a special factor that's so different from one another. If you just look at your own and you start picking it apart, you can see how I can pull on this thread when it comes to my money.

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Your money superpowers is your success formula

It's about figuring out what's effective so that's like the part of the expanded version of, personal finance. Financial Literacy, is what I would call it which is really kind of recognizing that we have a psychology and biology around in our brains and body around our, money. It's not just understanding markets or investing or good sound, financial planning, or, risk management, or all of those things which are important, but it's about your strengths.

Looking at the big picture and understanding someone's background, who they are and are not with their, money, what their wishes are, what their values are, of course what the, money, is and then really digging into some of their, money mindset, about what makes them.

Myrna: So, that's the, success formula.

Michelle: Yes, we use what makes you successful in other areas of your life and use the common thread to help you to be successful with your, money.

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The success formula challenge

Myrna: I understand that you have a website or a challenge to help the readers and those watching on TV. That would help them develop their, success formula. You want to talk about that?

Michelle: The best place for people to find me is my website, which is www.michelleab.com. Right on the home page is my, success formula, guide which anyone can download. Other channels that people can as well reach me or connect with me are on LinkedIn,

You can watch the full interview on the Transform Your Mind Podcast YouTube channel.

Also you can tune in at six o'clock Est every Sunday for our Preach the Word Network Television broadcast and of course you can listen in the radio WDJY 99.1 FM Wednesdays at 5p.m.

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Myrna: Thanks again Michelle. Thanks everyone for tuning in and until next time, blessings.

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Additional Resources

Understanding the Rules of Economics and Money

Is True Wealth Financial Freedom?

 

Real Estate Investing with No Money

Real estate investing with no money

Real estate investor, Trainer Trevor Evans, teaches, how to invest in real estate with No Money. Trevor teaches, how to get funding for your deals, fix and flip,  your, investment properties, and, how to flip a house.

Watch the YouTube video to learn how to Invest in Real Estate from a, Rich Dad, real estate investor.

What you will learn about Real Estate Investing in this motivational video:

1. What are some strategies to purchase property for your,  real estate investing, business with little or no cash?

There are several way to do this. You can max out your credit cards, you can set up a lease to own deal, you can get seller financing.

2. What does, Hard money lenders, look for in a good deal?

They look for the ROI or return on investment

3. How do you make your deal attractive to a, Hard money lender?

Show that the resale value is at least 40% higher that the investment.

Strategies using other people's money to fund your, real estate investments:

1. Using your credit cards to fund your deals. The more credit you have the better off you are!

2. Hard money Lenders,  Hard money lenders,  look at the asset and not at your credit score.

3. Borrow money from friends and family. You convert them into, Hard Money lenders, and pay them a good interest rate to start your, house flipping, business.

4. Borrow from your Whole Life Insurance policy.

2. Take a loan from your 401K.

3. Take out an Equity line of credit on your personal house.

 

The commonly used strategy in, real estate investing,  is the use of a, Hard Money Lender.

You need a, Hard money lender, for your, real estate investing, business. A money lender does not look at your credit, what does he look for?

1. Your expertise. Most, Hard money lenders, want you to have three investments under your name. This does not include your personal residence.

2. The ARV or after repair value. The property must have equity before the deal is made.

3. How did the property come on the market. Eg is it a Foreclosure, short sale or probate.

4. What is your, exit strategy? Is your, exit strategy, to, buy and hold, or, fix and flip?

5. How long you need to complete rehab work.

6. How much is the estimated cost of repairs.

 

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Hard Money Lender do not offer 100% Financing

Make no mistake, hard money lenders, need borrowers to deploy their capital and get a return on investment for their capital partners. They often enjoy repeat business, real estate investing, aren’t typically one-time borrowers, so asset-based lenders like, hard money lenders, or, private money lenders, value the business relationships they develop with quality borrowers.

Real estate investing, with no money down or little or no cash is to borrow from, Hard money lenders, who charge high interest for short term loans. When, hard money lenders, provide a loan, they want to be confident that the, borrower, is able to repay the loan on time. If the, borrower, isn’t able to pay back the loan, this creates a great deal of extra work, stress and potential financial loss for the lender. A strong, borrower, with a significant down payment (or equity in the property) and cash reserves has the best chance of obtaining a, hard money loan, and succeeding with their, real estate, project.

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Looking for a, Hard Money Lender? Here is an article from Connected Investors on how to get bids on your project.

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Connected Investors, the world’s largest, real estate investing, network and marketplace, today announced the launch of the first centralized real estate investment funding portal, CiX.com. The technology allows real estate investors to quickly and easily submit their deals to a network of asset-based lenders, ensuring the best terms for loans on their, investment properties.

Subscribe to the Transform you Mind podcast with Coach Myrna to get notification of all shows, Life coaching tips as well as Real Estate Investment tips and strategies.

Additional Resources

http://blog.myhelps.us/how-to-create-the-freedom-lifestyle-through-real-estate-investments/

How to Build Wealth with Turnkey Real Estate Investing

Real Estate Investing: Are Rental Properties worth the Admiration?

Investing in Rental Properties

Real Estate Investing, in Rental properties gets a lot of admiration because of, passive income.  Usually there is positive cash flow in, rental properties.

Joke of the day Rental properties 

A young woman, pursuing a graduate degree in art history, was going to Italy to study the country's greatest works of art.
Since there was no one to look after her grandmother while she was away, she took the old lady with her.
At the Sistine Chapel in the Vatican, she pointed to the painting on the ceiling. ‘Grandma, it took Michelangelo a full four years to get that ceiling painted.'
‘Oh my, ‘the grandmother says.
‘He and I must have the same landlord!'

A few weeks ago I interviewed my co host Trevor Evans on the topic “The path to Financial Freedom” We received such an overwhelming response to that topic that I decided to have a spin off on, Real Estate Investing. This is episode #2 in the series: Real estate investing, “Funding, Fixing and Flipping. Is Owning, rental properties, worth the headache?

As a realtor for over 17 years, investing in, rental properties, has been my space up to this point. I own several rental properties and I also manage several rental properties.

My co-host for this podcast is Trevor Evans: Speaker/Trainer for Legacy Education Alliance and Rich Dad Education. Trevor is also an Entrepreneur, Real Estate Investor. Banker and Founder of Personal Awakening Brand “Being Normal Sucks.”

I met Trevor earlier in the year when I attended a Get Motivated Seminar and signed up for a 3 day, real estate investing, seminar. I met my co host Trevor Evans at this program and let’s say his vast knowledge on the subject of, real estate investing,  and, real estate, opened my mind to new opportunities.

I didn’t know what I didn’t know!

His knowledge base was extensive. I immediately enrolled in the Legacy Education Alliance, investing in real estate, training program.

Real Estate tip of the week

What is your best choice as a, real estate investment? From the book Your money and how to keep it by Brian Costello

Real Estate, will be a natural choice for many as an, real estate investment, vehicle. Generally, real estate, can be counted on to rise in value over a period of time. If you want short term investments, you can use short term investment vehicles like treasury bills. Other options are gold, commodities and the options market. Small investors are now also switching to Mutual funds because they offer a great deal of flexibility, and they can be cashed in at any time.
So, the best investment choice depends on your country laws as it relates to Capital Gains tax vs interest tax. In the USA and Canada, interest is taxable while you can make a lot of money tax free with capital gains.

Todays episode of Fund, Fix and Flip is sponsored by, Myrna Young Realtor 

Are you looking to invest in the south Florida market? The time is ripe for investors. Call Myrna Young  at Century 21 Selling Paradise 239-542-5777 for all your Wholesale or Rehab purchases, Buy and Hold, rental properties, or Property Management services. We are licensed in real estate and property management services and can also buy or lease your home. Don’t delay, Call today 239-542-5777

“Is Owning Rental properties worth the headache?” Show notes:

What are investors doing that is causing the headache?

  1. Not properly screening the tenant.
    Most investors are stressed to put a tenant into, rental  properties, because it costs to have a vacant property.
    That is the underlying reason that they short the screening process or decide to take a risk with a tenant. But it costs more to have the tenant removed and evicted, so the pain of a bad tenant lingers for a long time.
  2. Not understanding the renters mindset
    A renter does not have an owners mindset to take care of a property.
    The environment the rental is living in determines the mindset of the tenant. If you have a tenant in a single family home that is costing over $1500 per month.  That tenant has an owner's mindset and would usually take care of the, rental property, as his own because he or she is probably an executive and is not renting because they can't afford to buy.
  3. Know your tenant
    That allows you to skip inappropriate steps.
  4. Understanding the positive cash flow cycle
  5. Buy only properties that need remodeling instead of renovations
  6. Setting up warranty or replacement work directly with local scratch and dent shops
  7. Paying a flat fee to a Property Management company

Additional resources

Some resources for Real Estate Investors:
BiggerPockets: The Real Estate Investing Social Network. There are many free articles and forum threads all for free on how to get started in real estate investing.

https://www.mashvisor.com Use analytics to find lucrative traditional or Airbnb properties in a matter of minutes.

https://myhelpsrealestateinvestments.com/ – list of off market properties at discounted prices in Fort Myers, Fl and West Palm beach, Florida

Is True Wealth Financial Freedom?

The path to Financial Freedom

The path to, financial freedom, comes from the quality of our lives. This is, true wealth.
True wealth, does not depend on how much we accumulate, save, or spend our money.

True wealth, comes from who we are on the inside, and not by what we do, or what we have.

We cannot measure our self-worth by our net worth!

The first step to, financial freedom, is to make the mental shift, that your world in here, will be reflective of your world out there.

This week on Mindset Transformation radio, I interview Trevor Evans, teacher/trainer in real estate investments.

Here is a tip of the week Financial Freedom:

There are 2 types of people in regards to, wealth, one who is magnetized and full of confidence and know his potential, and the other is demagnetized and full of fear and doubt, and he tells himself I will fail, I could lose my money, people will talk about me behind my back etc. So, he does nothing. He takes no risks!

As you have probably figured out, the demagnetized man will never get very far.
I love the parable Jesus told about the man who was going on a long trip. He called his servants and entrusted his money to them while he was gone.
He gave 5 bags of silver to one, two bags of silver to another, and one bag of silver to the last.
The servant who received the five bags of silver began to invest the money and earned five more. The servant with two bags of silver also invested and earned two more; but the servant who received one bag, dug a hole in the ground and hid the master’s money.
When the master returned, he was full of praise for the two servants who invested his money and increased it; but the servant who gave him his money back with no increase he called “wicked and lazy.”
The moral of the story is the path to, financial freedom, is investing what you have to earn more.  Let your money work for you. Also it show those who use well what they are given, even more will be given to them; but those who take no risks and do nothing, even what little they have will be taken away.

There are 3 honest ways to financial freedom.

  1. The first is to work for it. The common consensus is that with a few exceptions you can never become, wealthy, working for someone else.
  2. The second way is to inherit it. For most of us, inheritance is not a sure bet.
  3. The third way to, financial freedom, and the most powerful way, is to invest it. Let your money work for you. Compound interest, is one of the most powerful tools in the accumulation of, wealth. Let it work for you. Do you know if you put $2000 in your 401k at 21 years old and let it grow with an annual compound interest of 10%; at age 65 it would have grown to over $1,000,000?

I love this article from Inc.com

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Financial freedom in America

Nassim Taleb said, “The three most harmful addictions are heroine, carbohydrates, and a monthly salary.” But salaries, fed through cubicle farms, are worse than addiction: salaries are slavery. While starting a company may emancipate you from salary slavery, most founders are enslaved to their startups — trading family time, personal health, and happiness for late nights, long commutes, and stress. So where's this, financial freedom, in the Land of the Free?

This week on Mindset Transformation radio w/ coach Myrna and podcast, I interview Trevor Evans, Speaker/Trainer. Trevor is going to talk about the mindset of an investor, what you need to do to think like an investor and not an employee as well as some foundational tools of real estate investing.

Our sponsors for this episode are A&C Limousine service and Young Real Estate Investment services.
When in the greater Toronto area and ground transportation is needed, look no further. Contact A&C Limousine service for your luxury ground transportation. We will get you there safely and on time. Call 416-892-8336 and ask for Colin.

Are you looking to invest in the south Florida market? The time is ripe for investors. Call Young Real Estate Investment Services at 954-999-6125 for all your Sales, Rentals or Property Management services. We are licensed in real estate and property management and will buy or lease your house. Don’t delay, Call today 954-999-6125

Show notes Financial Freedom:

• Topic: What is, True Wealth: The Path to, Financial Freedom
1. Question 1: Tell us of your path to becoming a Speaker/Trainer for Legacy Education Alliance and Rich Dad Education.
2. Question 2: Before you become an investor, what mindset shifts must you overcome?
3. What I love about the Legacy training is that it focuses on understanding the market and how to use money and not just on the brick and mortar of Real Estate investing. It covers using credit card as an asset instead of a liability. So that is the first mindset shift I think we should discuss.
4. What is the second mindset shift you think is important to acquiring, wealth?
5. If someone listening to this show wants to start investing in, real estate, what advice would you give them and where should they start.
6. When I took your class, you spent the first 2 hours totally letting us wait for the information you know we all wanted to hear but you spent time teaching about Abraham Hicks vortex and frequency. Why was that important?

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Additional Resources

http://blog.myhelps.us/is-starting-a-real-estate-investment-llc-a-good-idea/