Why on Earth would a real estate professional be talking about medical access? It’s very simple you see no matter who you are and your social status we all need to see a Doctor from time to time. I have found in my adult life I have been in situations where I needed advise and medicine for certain symptoms. I’m pretty sure that you would agree every once in a while you have encountered a few symptoms you needed a quick prescription for as well.

Hence the reason for me writing you today. I know this week I have been talking a lot about a company called Financial Destination Inc. if you’ve read any of my previous blog posts you would see FDI sprinkled in articles every once in a while. FDI is an amazing company, I don’t usually go off and brag up and down about a company as I represent several outstanding service and real estate based companies as well as my own lending company.

Getting back to the medical access I am speaking of people have so many choices when it comes to health care providers, that choosing can be a daunting task. Since I quit my corporate career several years ago, I have not had any coverage other than utilizing some government services which brings me directly to my next point.

You see going to the Doctors Office costs more than your perceived value of the service, especially if you use an HMO plan. Not only do you have the costs of the office visit or co-payment. You also have the time and fuel vested in traveling to and from the appointment, the costs of the time in the waiting room, waiting to see the Physician once you are admitted into a room.

I do not know about you but my time is worth money, I average $100 an hour, so for me to travel say 30 minutes to the Doctor’s office and 30 minutes back that’s $100.00. I have to wait approximately 30 to 45 minutes because the Doctor’s running late; there is another $50 dollars. The whole 5 minutes the Doctor gives me to diagnose my symptoms and another 10 minutes to write out the prescription adds another $25 to $50 dollars.

Now then I go to receive my prescription and have to pay an exorbitant amount for the medicine so let’s say that costs another $75 dollars. Wow can you see the money adding up. I have not even talked about my monthly premium which is over $300.00 month or Over $10.00 per day.

So let’s add up todays costs to see what the doctors office visit will cost. Travel $100 in Time, $10 in fuel, another $100 waiting from start to finish, $75 for the prescription and $10 per day of coverage. That equates out to $295.00 for one trip to the Doctors office. Sure your income may be less for someone who makes $10.00 and hour this equates out to $115.00 (more than you make in an 8 hour shift).

So you see the costs of coverage are expensive especially if you only go to a physician once or tice a year as I do. My coverage alone is over $3,600 per year. So back to Financial Destination Inc. for a moment, they provide you with a service called “Tela-Doc” which precisely describes what they do, they are a call center of licensed practicing Doctors and Physicians who diagnose symptoms and have the ability to prescribe medication based on your current medical history.

This service is actually in many corporate benefit plans, the fact is in these plans they cost $800.00/year for the service and $35.00/phone call. In your Financial Destination Inc. membership the cost is $39.95/ month and $0.00 per call charges.
In fact with your most expensive Financial Destination Inc. membership you receive medical, dental and vision for less than half of what I pay per month for just medical coverage. It’s truly amazing and the best part is you can earn a profit by sharing this information with others. You tell me where your company’s benefit plan or your personal benefit plan pays you for referral.? Mine never did.

Take the tie to learn the true value Financial Destination and take advantage of the fact that I can show you how to enroll in the VIP plan and start receiving immediate residual income for life without ever sharing this plan with any one. Did you hear that FREE Medical Access for life yes free!

With special incentives provided inside of Financial Destination Inc. AMD or CEO program you can immediately start saving $50.00 per month $25.00 on gasoline and $25.00 on groceries every month.

Imagine paying $39.95 per month for the start up VIP service and start receiving $50.00 in cash back on other purchases. That my friends is just the tip of the iceberg. Get started today simply watch the Financial Destination Inc video and then enroll as an AMD or a CEO.

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• Retirement of a giant and the rise of future leaders Retirement of a giant and the rise of future leaders I looked as if I was a deer staring in the headlights when I opened the news this morning. You see I have been buried in tons of different activities and meetings over the last several weeks as I have......

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• Moss Landing Harbor, Monterey, CA Phone: 831.633.2461 Radio Frequency: This marina monitors channel 9. Average Water Depth: Usually around 15 feet, but this may go down depending on conditions. It is best to check ahead to see what the current level is before you arrive. Is there a pumpout station? Yes, the harbor does offer......
• Saving With Purpose: The College Savings Fund This is the second post in a series called Saving With Purpose: Living a More Intentional Financial Life. In this series, I plan to highlight a number of specific savings goals my family has identified we would like to achieve over the next few decades. Before having kids, both my......
• Russo's Marina, Bethel Park, CA Russo's Marina is located in: Bethel Park, CA Phone: 925-684-2024 Boat launch? Yes, the marina does have a boat launch on site. Please keep in mind that there is a $10 fee to use the launch. Average water depth? The marina did not provide us with their average depth. It......
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More and more people are fearful of job loss with unemployment rates reaching new highs 11.5% unemployed rate it’s no wonder people are holding back. We have not seen an unemployment rate this high since 1941 during WW2. You want to take advantage of today’s great low real estate prices and great interest rates.

Where do you start, so many choices where does your money belong, you want security, low risk of capital loss and foreclosure prevention. Herein lies the most perplexing question. It is from this stand point of view that fear, hesitation, stress and anxiety stop more successes in their tracks.

Have you ever considered owning a percentage of apiece of real estate? If you have ever invested in stocks you have done this without giving it a second thought, when it comes to buying real estate you can have the same options. Purchasing a percentage of property this way can be done in shares and units, fractional ownership “tenants in common”, shares in an investment trust or LLC, a business partnerships or various other partnership arrangements.

The benefits are clear when buying this way your in a positive cash flow position so your, your not 100% responsible for the debt against the property, you’ve got the ability to leverage and grow more quickly since you don’t have to tie up your entire capital into one property.

Cash flow properties are diversified into several categories, apartment complexes, commercial office & warehouse space, light industrial, retail malls, some land parcels can be set-up for cash flow or land banking (non cash strong appreciation potential).

The perfect solution when you are concerned about losing your job it creates security and partial to full income replacement. You have not so great credit cash is always king, you don’t want to use your income for a mortgage. You don’t want to deal with tenants and your time isn’t dedicated to managing a property.

You should consider buying into cash flowing property that would generate income for you. You could buy a piece of an apartment complex (say 32 units) that has been very stable through the tough down turn.

You could enter with a minimum investment size: $35,000. Possibly the owner is offering the property at a discount. You get to enjoy the stability and income potential as a small investor and get positioned for the real estate recovery.

Wealth never really goes away it shifts from one place to another, one person to the next. Those that think outside the box are more able to leap ahead of the curve and take advantage of opportunity in good times and tough times too.

Creativeness isn’t just for art class and imaginary friends play time or your tea party with your daughter. Creativity is what sets greatness far ahead of average and everyday. You have to constantly realign your goals and values to your circumstances. Why wait for your life to hit hard times plan ahead. Make choices that will positively affect your future.

• Is your time “too important to run mundane errands? Just outsource then...”. Virtual assistants are popping up everywhere and handling tasks all over the spectrum. Outsourcing is the wave of the future from office assistants, gift getting, date scheduling and a variety of other tasks that would normally eat up our valuable work day hours. A simple task of scheduling an......
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• Who's your competition when it comes to land banking for profits According tot the title of this article you do have some competition in this unique niche of real estate investing. Land banking is usually used for the purpose of acquiring land in the path of growth of a major metropolitan city and holding that property for the long term to......
• You can purchase an investment with a credit card 5 things to watch as you invest this way We have all heard the term leverage used when it comes to real estate and investing. Leverage the equity, leverage some one else for their skills and talents or their credit and financial stability. Have you ever heard the term leverage the credit card for making real estate purchases? I......
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• Investing In Commercial Real Estate - Using A Lease Option To Buy Commercial Real Estate Greetings from the lush green grass of a football practice field..... I am sitting here watching my oldest son (Colt) at football practice. Colt is only ten years old and he has practice four times a week and a game every Saturday. And...he loves it....and I love it too. ......
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• Short Term Income—To Flip or Not to Flip? [/caption] Greetings from the metropolis of Cedar Crest, NM. It is a cool 70 degrees in the mountains of New Mexico with more rain in the forecast.  I can't complain. Today...as I am shuffling through commercial real estate properties on the market....I am seeing several single-tenant properties that are credit......
• Commercial Real Estate Q&A #3: Running from Hotels and Successful Commercial Real Estate Investing Strategies Steve Maxwell's take: I also prefer commercial RE over residential … although both have their benefits.  2 of the biggest reasons for my preference are: 1. Leverage – I’ve found that acquire a multi-unit property such as a 200-unit complex is no where near 200 times as much effort......
• Asset Allocation with a twist or why you should keep 25% of your assets in cash A lot of professional money managers will quote some nobel prize winning economist theory about strategic asset allocation.[For the record, Harry Markowitz won the nobel prize in 1952 by showing that in the long run, investors make more money by investing in assets whose prices don't have a lot of......

I just read in the paper the other day how our state of California is proposing to cut the high school exit exam due to the exorbitant deficit in this state. Our leaders want to remove the one test that states the quality of our future leaders, decision makers etcetera. What type of statement is that?

Let’s dumb down the society so we can just keep pulling the wool over their eyes? Californian’s glad I’m not native here, I love everything here except the education system, I remember when I came here at the age of 14 and started school I had reservations then. Now that I have children I really see what the system has done.

What I propose is we start imposing limits for these teachers, the real reason that these teachers and lawmakers want to remove the exit exam is due to the hordes of failing students, yet wait also want to blame the student’s parents for the existing problems, how can we the parents stand by and watch this happen?

I was floored when I read that headline and I put the paper down, what else needed to be said I immediately stated to my wife that a reform was going to take place. Parents need to rise up and stand together on issues like th is. We need other state departments, counties and educators to unite and fight for what’s right.

All because of money, well then schools need to go digital and interactive for the majority of their curriculum and teaching then the costs of future learning. I am sure that funding is available and could also stimulate several new jobs for thousands of workers. Creating new tax revenue for the state, new dollars back into the economy and stimulating our state right out of the recession.

Law makers aren’t rational all of the time, and this would be one of the worst decisions in history for anyone to make. Eliminating the high school exit exam means that teachers are failing and the facts are obvious to anyone who has a child. Whether we have a pleasant experience with our child’s teachers or not isn’t the question here. How is our child’s grades, their confidence levels, their social skills not to mention the reading writing and mathematics.

You can’t let this happen to our children, not to our future either. We have a right to defend our children’s rights and the right to a high level quality education is their right. Don’t take the steps necessary to prevent this change then don’t complain when your student isn’t at the level they should be.

If your not involved in your child’s life you should be. Don’t sit around and sing the same old song and dance when you sit on the side lines. Interact with the Parent Teacher Organizations in your schools or the PTA’s whichever may apply. Talk to school board members about your concerns if nothing arises then take the time to at contact the board of education or higher if necessary.

I believe all teachers should be energetic, up to date on the latest learning techniques. All under performing teachers need to be assessed and placed on 90 day probation; if no improvement disciplinary action needs to be practiced. Up to and including termination.

• Snowball your way to financial freedom Debt is like a plague that eats your hard earned money faster than you can earn it. You work for your bills and your bills take everything you work for. Soon it becomes a stressful vicious cycle that makes people bitter and angry. Your outlook becomes bleak; you see no......
• Why we dance around the money situation at hand You can look at this in another perspective, why do we dance around the subject of finance, financial stabilization, security, why because it's uncomfortable for the masses. Many people are challenged and distraught about their current state of affairs. Constantly complaining about their situation at hand,yet instead of doing......
• Where Is The Wealth You Deserve Yes you deserve wealth. I found this video by Anthony Robbins. What a truly vivid concept of what I have been stating for sometime now. I love what Anthony has done for me and my family as well as what I am and all I will be from this day......
• These 29 Tips To Help Save You Money Funny how when we look at money, financial affairs and wealth we often overlook some of the most simple things. For example what about cutting back on items or finding ways to save on the purchases of the items or services, I read this article in Readers Digest a couple......
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• High school athlete, or how to set the table for massive weight gains I am not a dietician, a nutritionist, a doctor, a trainer, etc. Please consult a doctor before beginning any diet program. OK, now that's out of the way. When I was younger I wasn't particularly athletic but I wasn't particularly non-athletic, either. I spent the usual amount of time running......
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• Should They Teach Personal Finance In High School? My wife and I were discussing this the other night and both of us thought it was ridiculous that they don't teach a personal finance class in high school, at least not when we were in school. Is it any wonder that when kids go off to college they rack......

Many people aren’t aware of the little laws in the IRS tax code that states not what you can put into these types of accounts, they state what you can’t put in their instead. So while people are using stocks and going mad with the market place activities, others are amassing huge amounts of wealth simply by using a combination of real estate investments.

Just as in a tradition or Roth IRA, SEP or Simple IRA, you can purchase assets the biggest determining factor you can in what type of asset will be allowed in your account is simply determined by the custodian who holds your funds.

Real estate when purchased right always beats the stock market, I heard this in a seminar once, so I stated this to my financial planner and they were irritated by this very statement. She stated to me that that simply wasn’t true. She went on to tell me why…

Yet sitting here right now I tell you that real estate is still better and wins over stock every time. Simply because of the fact that you purchase real estate and receive either immediate cash flow or equity. You can usually buy and profit from day one. No waiting to see how the market performs over time, you review the numbers and if they make sense to you and fit within your tolerance and budgeting you make the offer and proceed to buy.

You can leverage the equity in the real estate, write an option, create a revenue stream, carry back private financing and make more income than with a share of a stock. Using these tactics can really boost the profits of your child’s college funds, provide them with an excellent education, send them to any school in the world when you execute your strategy.

No child left behind should be the plans of every parent, and every teacher, not a government program to create failure by lowering the statutes for grades and graduating. Why should we place these lower standards for our children? When our global economy needs upgraded standards we’re heading back in time.

Use the resources for capital gain while securing a chance for a bright future with your child. College tuitions are high, universities are higher in cost, Why do the wealthy always seem to just get more wealthy? They know how to leverage the system. The closer your child is to graduation the more important these decisions become.

Don’t wait start using all of your resources to gain a competitive advantage in today’s awesome real estate market, use predeveloped land for a huge hedge tp rising costs of interest, food and inflation, not to mention taxes and medical, cash flow creates new opportunity you could mix in some multi family or mixed use property.

The possibilities are endless, your combination of assets are worth their weight in gold when used properly,typically again our children are unprepared for the future due to under funded college funds just like our savings accounts and retirement. Are you really preparing your child’s for the future?

Take the time to invest in someone special, the child’s life you save will be your own, make sure you provide for them and teach the the importance of creating security for their future. It’s the most important gift you can give to anyone, the secret to happiness and stress free living, share the values with your child. Make them a part of your planning and make it fun for their enjoyment.

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• How I Started Investing In Real Estate src="http://pagead2.googlesyndication.com/pagead/show_ads.js"> In September 2000 i caught the flu and while I was probably well enough to go to work, I decided to take a week off and relax. I spent a whole week sitting in Barnes and Nobles reading all sorts of business and investing books. That week I......
• Real Estate Investments - Good Idea or Bad Idea? Right now, if there was a market that had bad news written all over it, it would be real estate. The housing crisis has made investors jumpy, the economy appears to be tanking and home values are plummeting across the country. Would you believe that this is actually a good......
• The Mortgage Crisis and Investments in Real Estate According to regional and state real estate analysts, the factors which previously fueled the housing boom of the last few years are easy to explain. The factors that fueled this boom in the real instate industry ranged significantly, including: - Interest rates that were historically low. - Flight-Risk Safety Investments......

We all have our pre conceived notions as well as our reservations towards introducing new people into our lives. Having worked with hundreds of people and charting courses of financial needs and desires, I’ve come to the conclusion that for the people who are willing to take a chance and create beneficial relationships with like minded people, wealth is undeniably certain.

Corporate giants use acquisitions and partnerships to sustain economic exposure and to grow by magnitudes of success in minuscule amounts of time. These same time tested principles can quickly gain you momentum, growth as the ability to weather the storms when tough times exist.

Families can establish family LLC’s, Family trusts, business entities can be formed, and various other methods of entity formation to save you on taxes, asset protection, debt exposure, interest and debt servicing costs.

Along with the reduces liability exposure, you have security of knowing your dollars aren’t all invested into one basket. You get to spread out your capital and diversify your risk to minimize damages and loses due to non-performing tenants or occupants.

Since you have reduced your exposure you feel more confident and your chances of incurring negative cash are eliminated due to the input of your partners you can immediately increase your cash flow position and passive income growth to build a better future faster.

Merge assets with new partners to create even more leverage and gain a faster momentum of wealth acquisition. Creating security and confidence makes life more enjoyable, imagine for a minute having your everyday obligations met in the first week of the month and the rest of the month was pure profit.

Now what if the first week or even day of the month you earned your next 6 months to an entire year’s salary and had your monthly obligations taken care of for a period of 3 months to a year ahead of schedule. This is the true power of leverage, many talk of debt and leveraging money through debt, to be successful you need to transact a system to have reserves before you leverage debt. This way you create the security blanket you need for handling the debt you plan on taking on.

Proper planning is essential for success in any thing that you do. Take the time to learn your new craft, examine the value and benefits of your new relationships. Find common ground outside of your businesses and career paths, this creates bonding and trust within your partnerships. Also this works to create new ventures and new activity towards your desired out come.

Your wealth needs to run with systems, these systems fit together very much like parts to an engine fit together. You must align, adjust and test your machine for optimum output, different part combination’s can create opportunities like you have never seen before. More horse power to your bottom line profits, more torque to get you through the turns, hills and onto the track fast.

Life presents us with opportunity we must be prepared to see it, if you need assistance with creating a trust, or a partnership, seek out Attorneys, Banks, Credit Unions, Custodial Self Directed IRA, Business formation,, seek out a tax professional for advice on structure to benefit your circumstances. This is essential for accelerated gain and compounding, Einstein said that “compounding is the most powerful force in the universe.”

Leverage compounds your purchase power instantly, leverage also create cash flow which in return grow your future at an accelerated rate, cash flow reinvested compounds the compounding effect. Diversification leads to balance and as a hedge to stay the costs of tax and inflation. Leverage lets you diversify, credit added to the mix creates new capital to leverage and reinvest.

The new amount of endless matrix cycles of compounded income streams and profit are assurance of achievement. You must research and seek out the most attractive pieces of real estate, examine your options for quick cash flow, informative news letters on stocks and liquid assets, precious metal and gems, paper or “notes” these items are true value.

Cash flow notes come in many forms, you can purchase and hold for profit or wholesale them to another investor. Business notes are very attractive, their receivables are a residual stream, Any held note becomes security and cash flow. Cash flow can also be created by leveraging your credit cards for capital acquisition. When done correctly the effects are amazing, you can earn an income for a period of time while floating and leveraging the growth and purchasing power of your cash flow.

You have the ability to link your retirement accounts with others for another double whammy in tax deferred or even tax free profits. Your possibilities are endless I’m telling you once you fine tune your finances for optimal performance you can move swiftly to gain and capitalize on your opportunities as you find them.

Understand this rule “the time value of money”, let me explain by asking you a question, would you rather have $10.00 today or $20.00 paid to you for 20 months? You see “cash is king” and this is exactly what that statement means.

You have friends and family to work with, you can even earn a piece of the action especially with real estate if you take the time to source the deal and possibly even do pat or all of the maintenance and repairs on the property of your inclined to a little sweat equity. Bartering with family, friends and co workers is a great pace to start, look into real estate or investment clubs, perform your due diligence before joining.

Listen to their methods and see what other are doing or have to say about who you are dealing with. Examine the tools and support for your area of interest, invest in education and mentor ship, create synergy amongst your relations. When life is this good you simply feel better. Try it for yourself experience the finer side of life, enjoy your time spent out knowing it’s okay you have your necessities taken care of. No guilt, no regrets simply pure enjoyment and simplicity.

• Top five reasons to own pre-developed real estate in a down market Many investors are rushing in to swoop up the great deals in real estate with our current state of economic trends. With many foreclosures on the market and more arriving there everyday. However with all of the great deals on the market there are tons of profits to be made.......
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• Low and no interest capital for investment purposes When it comes to the value of your dollars in today's economy or any other time your ability to purchase, return income on your investment has been something that eluded many would be great entrepreneurs and investors. The lack of resources to keep the fire slowly going while your momentum......
• Staying Cheerful with the Credit Crunch Businesses and consumers alike can’t keep their lines of credit from shriveling up to nil with the belt tightening across all financial markets. However there are things to be done when the going gets tough. First rule of engagement get going it sounds silly but true when it gets......

• Commercial Real Estate Q&A #3: Running from Hotels and Successful Commercial Real Estate Investing Strategies Steve Maxwell's take: I also prefer commercial RE over residential … although both have their benefits.  2 of the biggest reasons for my preference are: 1. Leverage – I’ve found that acquire a multi-unit property such as a 200-unit complex is no where near 200 times as much effort......
• Commercial Real Estate Investing - Latest News Image by nancyarora2020 via FlickrThe latest news on commercial real estate investing from around the blogosphere: All you Should Know Before Buying Commercial Real Estate ...You can buy commercial real estate with no money down, especially if it's because your money is bringing you more in another (safe) investment. On......
• How to Keep Cash Flow Coming In One of the main problems facing Americans today is a lack of cash flow. As the economy gets worse and gas prices go up, it is getting harder to make ends meet. If you are completely reliant on your paycheck each month, the last few days or weeks of the......
• Pay Extra for Turnkey Real Estate or Save with Fixer Upper? For some time now, I've been considering becoming a real estate investor (>1 property) once again. Even though real estate prices haven't found their absolute bottom yet (my non-professional opinion only), I'm thinking that 2010 might be a decent time to test the waters, do some bottom fishing, and......
• Keeping Track of Cash Flow - Your Household is Your Business You should create a budget to track your spending and get a handle on your finances. You plan out all of your bills, and the amounts look good. The budget is the first step in getting your finances under control. However, the budget is not the only step. There is......