Reputation and integrity are essential when it comes to the companies I represent. Now I have found the best new land banking company to represent. More coming next week

• 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......
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• Word to live by from buy land and wait As the famous Warren Buffet would say I only have two main principles when it comes to money and investing. Rule number 1: Don't lose any money Rule number 2: Remember rule number 1 Watch this short video then read on Even in these turbulent times of market volatility, extreme......
• How to Land Investment Returns You Can Take to the Bank When it comes to investment and calculating returns many people still get it wrong. Whoever said that one plus one equals two was correct in theory; however when it comes to actuality this theory only holds true after you finish the equation. Remember when your math assignment turned into......
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• Will Next Week’s Apple Event Finally Bring Background Apps To The iPhone? Will Next Week’s Apple Event Finally Bring Background Apps To The iPhone? by Jason Kincaid on January 19, 2010 This morning, after many months of rampant speculation over the enigmatic Tablet, Apple officially invited scores of press to a special media event to be held January 27. The debut of......
• MBH.com is hosting two carnivals next week The Carnival of Debt Reduction and the Festival of Frugality will be here next week! This is a fun part about being a personal finance blogger ... reading all of the great posts submitted to the carnivals!  I'm looking forward to reading your best stuff! The easiest way to submit......
• Carnivals! Three Monday carnivals are up for your viewing pleasure, with articles in each from yours truly: The Carnival of Personal Finance #34 at Financial Reference -- next week it's at The Dividend Guy The Carnival of Debt Reduction #21 at Free Money Finance -- next week it's at Retire at......
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• Even more ways to save money, and some I dont agree with. Of course, everyone is always looking for a few ways to save a buck. And most everyone has their own secret little system to try to get the most for their dollar. Over at MoneyCentral, they have an article up that has 20 ways to save money "on a shoestring"...meaning......

When it comes to investment and calculating returns many people still get it wrong. Whoever said that one plus one equals two was correct in theory; however when it comes to actuality this theory only holds true after you finish the equation. Remember when your math assignment turned into a thesis written in some foreign language? You know pre algebra, algebra then the harder math classes such as geometry, trigonometry and calculus. Well these topics are the rest of the story.

I never really started to understand the importance of math until one day I sat attentive in a seminar. It was the first time I had ever been exposed to the theory that marketing for any business is built on a geometric scale that grows both in a linear and exponential proportions. Well it hit me like a ton of bricks. I knew before I attended this seminar and right then the reassurance of the presenter’s statement that this was also true for the growth of money. Anything that has the ability to grow works in this way. Here these two examples are true in both practical application and theory for these very same reasons.

You know an annual percentage return may be the number that was grossed in performance; the net effect of your performance will be based solely on your other implicating factors such as your total gross income, business income, tax basis, tax sheltering, margin of transaction fees, as well as your compounded cost of living and inflation. You wont have the same outcome as another individual with different circumstances; even if you both had invested equal amounts and had matching portfolio picks. Gross performance would be equal but those outside factors would equate to different results.

So your net return is the number that will get you to your destination. You need this number for a true and clear view of your path; what adjustments you need to make for both short and long term planning. Now that we have the vision of the bigger objective we can work it backward to see where improvement is needed. You’ll need to analyze your curent situation to take measurement of your current timelines for personal items such as your retirement, children’s college, trusts and charity contributions, cash needs with a preemptive costs basis analysis for items such as long term cash requirements, medical coverage, dental and vision care, travel, entertainment and those necessity items we dream about.

Once you have the data, facts and figures your reporting will give you the solved for X answer. With that number you can get a clear view of the amount of returns your investment needs are; hint, the longer the term of the investment the larger the returns need to be to cover long term capital principle reduction and taxation factors. The shorter the investment the larger the returns need to be for accelerated growth.

Are you starting to see a pattern here; your returns need to be large enough to cover expenses as well as having the consistency to perform in the most volatile market conditions as well as in good times.

When searching for these investment vehicles what are the key indicators you need to look for, longevity, strength, overhead reduction, tax sheltering capability and overall strong returns. Only a small handful of these vehicles have proven strong enough to make their claim to fame. Over all in the industry a ten percent ROI is an average marker, you can get fixed returns in the five to nine percent all day long.

Strong performance; commonly called millionaire rates of return because they will grow your capital much faster and create more wealth for your than the base rates. Banks typically give out zero to two percent on their checking, savings or money market accounts. Some give slightly higher your next step up is into cd’s or bonds and mutual funds, again these are low risk low reward. Annuities pay fixed and variable rates in this same range.

After this you start moving in to the stock and commodity market here you can make slightly higher returns with more exposure because your betting against the company leadership, sales and performance you have no control or inside information to guide your decisions only a boring prospectus to help you try to understand how things were in the company until print date.

For more aggressive options you have both risk driven and reduced risk exposure factors involved. Personally I prefer reduced risk in most of my long term investments. This way I don’t have to keep watching every second, I use compounded interest plus high rates of return with investment vehicles that provide consistent performance so that my stress as well as market risk are tremendously reduced.

Millionaire rates of return earn enough of positive return to compensate for those influences we all have to bear. Essentially millionaire rates of return are in excess of twenty percent per year. So if you can imagine your money growing three percent or twenty to thirty percent or more per year you can get the idea. It’s like filling up a twelve ounce glass with water with an eye dropper or using the faucet. Which one are you going choose?

You could use a fire hose but you might blow your glass off of the counter, you could try the raging white water yet again you may lose your glass and or your entire ability to reinvest in a new glass after you lost it. You see too much or too little power in your portfolio could have an adverse effect. Your choosing of assets need to be specific to your requirements not those of a financial advisors pocket book.

Make sure you understand how everything fits together in your life before you make those critical decisions. Have you received proper education and feel comfortable that this is what type of investment you need. Make no doubt about it everyone needs to become immunized and protected from financial disaster and financial illiteracy; it’s an epidemic in society that eats people alive. It’s robbing them of their youth and vitality and turns everyday average people into bitter, sour and grumpy citizens miserable with the out come of their life.

All due to the choices they made about money and the choices they made handling money. You have the choice to land big huge profits or meager profits that leave you grumpy. Get your financial affairs in order know before it’s too late. Make smart educated choices and learn from and like the master of profit potential on ways to hedge against capital reduction and extinction. Make the best choices you can for every situation to attract what you both want and need to prosper and grow.

Search for those hidden and less known investments then research them until you have answered all of your questions, have proof that it works for all those involved and make the choice is this right for you? Go ahead do it then wait for your performance returns to show up strong and make you proud.

• Changes in your credit score and what they mean to you You've heard the news about the changes in credit scores and the impacts of these changes are yet to unfold. You can rest assured that this is the first step in major changes in banking reform on both the business and deposit account holders end. Tighter financial requirements on the......
• The Golden Rule It's an outrage what we as consumers are being offered today. Not only are we in weak economic standards. Our savings and deposit records are at an all time low. It's no wonder when our choices offered to us for growing wealth are all in favor of the bank or......
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• Airlines try hedging to beat soaring jet fuel costs Southwest Air is industries best at saving firm billions. By watching and playing against the futures market Southwest Airlines are able to keep their costs of fuel down to $1.98 per gallon. Hedging is the way that airlines and other investors protect themselves from the rising costs of commodities......
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• Five Ways Using Quicken Will Make Your Finances Simpler Many people are a little intimidated about the idea of using financial software to track their expenses. Even the term “financial software” calls to mind thoughts of spreadsheets and complicated budgets. In reality, though, deciding to use Quicken can make your finances much simpler than you ever thought possible. Quicken......

As the famous Warren Buffet would say I only have two main principles when it comes to money and investing.

Rule number 1: Don’t lose any money

Rule number 2: Remember rule number 1

Watch this short video then read on

Even in these turbulent times of market volatility, extreme focus on political matters and the just passed presidential election we the people of the USA need to stand up and fight for our rights.We owe it too ourselves not to be financially sound so we don’t feel the impact of higher taxes, stricter rules when it comes to trading stocks and commodities.

So without going off on a tangent here my principles are equal to that of Mr. Buffet with one exception. I can’t afford to feel the set backs due to market volatility and I certainly can’t afford to spend my days, nights, lunch hours and breaks researching the thousands of stocks in hopes of a good buy.

Also I can’t afford to sit by and watch the market bounce from highs to lows every 15 seconds. Just as an indicator here I listen to KCBS AM Talk Radio out of San Francisco, they do a traffic report and money report every 10 minutes.

Every 10 minutes the DOW, Nasdaq, S&P 500 are up, down and down or slightly up. This goes on for the entire duration of the trading activity. Can you imagine your investments rallying or volleying every 10 minutes and having to stomach the losses.

Sure there are winners but was it luck or do you actually have a skilled investment adviser who can watch and recognize trends in their market.?

Did you know that not only do they get a commission for you earnings, they also earn a commission on your losses; that’s right on your losses because they charge a fee in the transaction unless you happen to find a charitable planner.

So anyway back to my title of this article buy land and wait, I have very specific reasons for my beliefs, 1st when is the last time you heard about the land market crashing, or a slow down in the production of new land? Are you getting my drift?

Land is a non renewable resource, land is the most stable and secure investment vehicle you can place your capital into for both preservation and long term appreciation. You owe it to yourself to learn the ins and outs of a practice called land banking.

Warren Buffet bough most of his fortune when Coca Cola was $0.25 per share. Twenty five cents a share, now I know he is regarded as the most respected and innovative fund managers of the year, however I couldn’t afford him personally for the fees he commands. His own private shares of Berkshire Hathaway were over $10,000/ share, Warren never believed in splitting.

So with that in mind you need to find a reliable source for your precious capital investments, can you afford not to? Take a look at why so many people are running scared from the stock market and looking for a sound investment that can offer safety, security, profitability and performance that is consistent of that of an athlete, or a finely tunes machine.

Learn the simple process of obtaining wealth through a strategy called land banking and secure your future, your children’s future or your heirs future. No matter what position you are in we can develop a plan to systematically grow your wealth to it’s fullest potential.

• Securing Your Wealth This Holiday Season When it comes to the Holiday Season you need to have your plans to spend time with family and friends to share in the cheer of the season. It’s also a time when reunions happen and you have the quality time to spend with those far away. Fortunately these are......
• A proven formula for a better retirement The issue of retirement has been surfacing around the social media and content of conversation for sometime now. One of the most outstanding issues is the fact that the corporate pension and retirement plans are going by the wayside. Individuals are being forced to take control of their retirement portfolios.......
• How to obtain credit in a down market Yes you can obtain credit in a down market with the proper mindset, motivation, and knowledge. Where do you start especially if you need to acquire it fast and you don't have many resources. This is a quick guide to preparing for the individual or the corporate credit seeker. If......
• The 10 key factors to determine growth When considering a California Land Purchase you need to ensure you know all of the facts. For instance have you considered why real estate in certain areas of California have appreciated 20 to 30 times over the last 30 years. While real estate in other areas of the country and......
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• Success Of The Stock Market If you would ask me, what kind of gaining stuff I prefer most of all, I would answer with no doubt that it is the stock exchange gamble. Every time, when I gamble, I have the great filling of adrenalin increasing in my body. Accordingly, to the fact that I......
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• Mutual Funds - An Investment Vehicle For Small Investors Human beings from their very inception want to earn and save something for unwanted situations. In earlier stage he puts his earnings under the soil to keep it safe from being stolen. Later banking system was developed and subsequently different kind of instruments for investment is being used. Nowadays,......

When it comes to business and life opportunities I should head to one warning. Once bitten twice shy should be the order of the day. You see I had always wanted to start my own profitable business and be the one stop shop for everyone.

The problem is I couldn’t serve every persons problem. They tell me “I already have a …fill in the blank…” or my prospects didn’t want what I had to sell. Then one day I was speaking to a very well respected marketer who asked me “who is your target audience?”

Well I have never been the same from that day forward. You see when you must become an expert in a niche you start to learn more about why and how instead of just who. Now you may be asking your self why is this important to me and my finances.

The truth of the matter is that it’s very important. Becoming a financially independent person involves the same logic. You see a marketer, network marketer or an internet marketer all face the same issues. Who is my target client?

For you it is more of a who is my target financial adviser, why should I trust them, how can they benefit me and why should I do business with them? You see marketers have leveled the playing field once and for all.

Information that has been kept secret to the elite is now available for all of those around us wanting to change. It’s now your turn to turn on the info seeker know as the little spot between your ears and listen to what’s being talked about.

I’m not talking about the everyday mainstream media I’m talking about what you never hear people say. Thing like paying it forward or investments that are not subject to the human factor called the human condition where Johnny follows Tim who heard that Sally was doing this or investing in that.

We use the world around us to cross examine our information and come up with a list of questions that will subside our concerns or fears and if you don’t get the answers you have been searching for keep on searching or uncover new questions. We simply ask it another way and see if that sparks the response we have been looking for.

Either way we as marketers have the knowledge and power to uncover what your deepest fears, concerns, and hot buttons as we call them then turn you onto some form(s) of solutions to solve your current impending crisis.

What does this have to do with changing the world around us you may be asking… Well in short it has everything. I just made you aware that your sub conscience is being exploited, your buying habits, your impulse shopping, your search for prosperity, medical research, pet concerns, the wellness of your children and loved ones.

Watch this short video below to see the power of three. Then from here it on out this is  the way life needs to be. A thought and and experiment in kindness. After the video is done look below and see my kind gesture for you.

• Perfection and procrastination both stop progress We're all victim of it, you know planning and changing our goals, constantly looking and researching new and better ways to accomplish things. You know all of the if I just or if this would just; ah maybe this is the (widget name here) I need to get through my......
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• Are your rewards really rewarding or are you just in a vicious cycle of spending? You hit the stores in search of that something special that you’ve always had to have or you just can’t live without, you search high and low for that most important possession. You spot it on a shelf tucked way inside behind other merchandise. You grab it and you can......

• How Much Does Your Money Matter to You? If you were to ask anyone on the street that question, odds are the majority would answer, “very much.” However, these same people will easily turn around and drop a small fortune on something without a second thought as to how it would return to them. Before you get started......
• Email Marketing Strategies And Spam Words Today I am going to share with you one of my email marketing strategies. In just about every circle online you will hear people talk about how important building your list is, however just building a list isn't enough to make money online.  Most people join something and are given......
• Sunday Money Madness - Go for Broke Welcome to the Go for Broke edition of Sunday Money Madness. The breakdown is once again by category for easy searching for weekend reading material. Tell us what you think! Save Money | Frugal Tips: Mighty Bargain Hunter answers a Reader question: Tips for newbie collectors. Looking to fill out......
• Friday Links Kathryn posted on Million Dollar Journey that it's a great time to buy your first house. The Financial Blogger had a guest post from Trisha Wagner, who asked if unmarried couples should merge their finances? The Edmonton Real Estate Blog explains why marketing matters in the current real estate......
• What About LOR-Lazard World Dividend & Income Fund? When I first heard about LOR, I thought it meant Lord of the Rings, but no, the topic was on Lazard World Dividend & Income Fund(LOR). I got this email from a reader: I love your blogs. Please tell me what to think about an odd stock - LOR. They......

If you haven’t heard about all of the fuss within the financial sector you must have been living under a rock. The demise of financial giants like Behr Stears, Indy Mac Bank not to mention many other smaller institutions has led the U.S. into a financial devastation like never seen before.

With the focus on the secondary market player Freddie Mac and Fannie Mae being bailed out by the U.S. Government to save us from financial ruin. The focus is now pointed at the mortgage brokers and new regulations along with reform measures to be put into place.

Anyone with half a brain could have seen this coming. How does a janitor or a McDonalds employee afford a 400K, 500K or even 600K+ home and think that they are only going to pay less than $1,500 to $2,000 per month for a mortgage?

Is anyone blaming the consumers for all of this mess? I mean if everyone had followed the old tried and true rules for obtaining a house this would have never happened. Who would have ever dreamed that an underwriter would approve a minimum wage earner for a ½ million dollar house?

The blame for this whole mortgage and real estate mess could be summed up in a word…greed. If it weren’t for some new fancy marketing for a single mortgage program most of this would have been avoided.

Stick with the basic rules and you wont go wrong. Only purchase what you can afford. A mortgage payment (PITI – principle, interest, taxes and insurance) should not exceed 36% – 49% of your gross adjusted income.

The target is on 36% this called the debt to income ratio. You have a top and bottom ration the top is called mortgage payment to income vs. the bottom which is the debt – income ratio.

Every loan officer, banker etc can pre-qualify you in under 30 minutes provided you supply them with the proper information and credit reporting. Bear in mind that the lower your credit scores are the less of a debt to income ration you can have.

Preparing future generations to avoid failure and acts of greed is important to their over all wealth, financial health and physical health by minimizing stress, pressure from over extension and worry.

So in closing play it smart and get the proper information before you buy a life of heart ache and misery, also if you can’t afford it in 30 years why drag the pain on for 40 or more?

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• President signs new housing act to help 400,000 homeowners The president has just signed the Federal Housing and recovery Act of 2008. Legislation that will overhaul the Depression-era FHA and provide mortgage relief for 400,000 homeowners struggling with foreclosure woes.   This bill is also designed to quiet the jitters on Wall Street by offering some financial relief......
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