Momentum speeds up...

Hello Team,

What an excellent time to be a part of Renatus and our team! This past week was very productive and we would like to thank you for being a part of it! Congratulations to Andrea Browning who is now certified at both the foundations and AIT levels! We also want to congratulate and welcome Jared Matt and Garrett Noble who joined our team this past week. We look forward to seeing you grow and develop with our team while you reach your financial goals!!

Remember Mark Kohler is coming on June 11 start building NOW!! Use the open houses to help prepare your guests for the Intensive!! If you use the open houses effectively you will be able to make 30k in the next 90 days.

As a reminder here are some of the prizes for the contest we are running:
Foundations sold – Dinner and a Movie
1 AIT package sold – Ipod Shuffle loaded with sales training
10k in Net profit - Dinner with leaders and special guests
15k in Net profit – Ipad
20k in Net Profit – Prepaid Visa card $500 value
Certified at AIT – A Montblanc Pen
30k In Net Profit - Prepaid Visa card $850 Value
50k In Net Profit – 5 Day 4 Night vacation
Possible Destinations – New York, Florida, DC, Cabo San Lucas, Cancun

We look forward to seeing you Wednesday!

Leverage...great word but what does it really mean?

I was thinking of the word leverage. Leverage is a great tool to use when you need something other than your personal strength to get something done. How would one use leverage in Real Estate? How did the leverage of the banks lead us to ruin? I looked up the word Leverage and the definition is as follows: to use for gain : exploit (definition: a notable or heroic act) shamelessly (definition: a painful emotion caused by consciousness of guilt, shortcoming, or impropriety) leverage the system to their advantage — Alexander Wolff. By adding in the definitions of the not so common word, let's reword it to make sense for us normal people!

Leverage is use for gain, worthy of noting, leverage is used without consciousness of guilt or in accord with fact, truth or right procedure so they can take advantage of the system.

Rewriting it that way it sounds pretty underhanded. Is that how we interpret the word Leverage without even knowing it? Is that what keeps us stuck in the mundane cycle of our working careers? Is that what keeps us from learning the secrets of the Rich? Is that why we interpret or say "the rich will climb over anyone to get to the top", interesting for me. Now that could all be true but why is leverage so important to use?

I believe how I understand it now is to do that different from the "norm", different from solely being dependent on oneself. Why does that sound so contradicting? Sometimes you simply need assistance, agreed? Because one requires assistance does not mean they are weak, it does not mean they are not honest in their business dealings. Isn't that the core challenge we hear unconsciously with the reworded definition of leverage? Moving through life less than honest. We all strive to be honest people but don't we catch ourselves saying "he's not honest in his business dealings" or "it's business" ...like that makes doing business anyway different than doing right by/to other people. As T. Harv Ecker states in his "Secrets of a Millionaire Mind", our money blueprint is a critical clue into our current situation. How does your bank account look?

How impressive would it be to learn the honest art of leverage? In real estate investing you can do that. You learn the correct way to conduct a transaction, treat others with respect but you can leverage your knowledge to squeeze out greater income from one deal. How? by learning how to do it right, by learning to understand how assets pay you and by learning how to remove the emotion out of the deal. You are buying the numbers! Period! If it doesn't work for the other party that's fine. Move on. Let's look at it this way...if you had $1.00 and you went to buy a candy bar that cost $1.50. You have a choice, either come up with the other .50cents or ask the owner if he would sell you that candy bar for $1.00. Now not only you have a choice but the owner has a choice. The worse thing that they could say is "no". They are not saying no to you, they are saying no to those numbers. Make sense?

Now to leverage your retirement fund with real estate investing....simply buy property through your R.F. and put the proceeds back into your account. Watch it grow exponentially tax free!!!! That my friends is the correct use of Leverage!!! now it's time to put it into effect and get started.

Create yourself a wonderful day!
Jody

Take the Money and Run?

Retiree's debate this question everyday. Traditional pensions allow workers to take a lump sum distribution but is that really the best plan? Angie Marek from Smart Money states, "Taking a lump sum can also create tax complications..."

The real question is what is the best answer for you? Do you know what to do if you choose the lump sum option? Do you know what to do to avoid huge tax complications? I believe one should understand what the end result will be PRIOR to making a decision. I was always told by my good friend Brian Buffini, "When you put on those levi's and they don't fit remember, you didn't gain those 10lbs overnight." That may be a tongue and cheek answer but you didn't reach retirement age in one day. It has been over a life time of choices that has you where you are. Now to figure out what to do about it and hope you make the correct choice. I believe it's time to learn BEFORE you reach retirement age so you can create the outcome you are looking for. Others have, why not you?

As Jeff Carbone, a financial adviser in Cornelius, N.C. states...To the millions of workers scraping by with a crash-depleted 401(k), having a (lump sum) pension can seem like the next best thing to a lottery ticket...often on top of Social Security...many actual pension holders are quietly becoming casualties of the tough economy.... “The world is changing.”

There are several options out there for a person to grow their retirement funds safely. Creating that security we all are seeking. How much do you want to receive every month to live comfortably, not dependent on anyone else or the government? Think about it, does it really take age to retire? NO, it takes money. If you had your plan in place and you choose to retire at age 40 then go for it and have a blast! Is that possible? Yes it is if you know what you are doing. Is it time you figure out if that works for you? Do you want $5,000 or $10,000 a month coming in during retirement? how many years do you want that income to be accessible for you? For example, the statistics show you would need $5,210,607 in assets that pay you, if you decided to receive $5,000 for 40 years based on Y2005 dollars and using a 3.49% inflation per year. How close are you? Can you feel comfortable knowing you have your estate in order and not feel the effects of those huge tax complications? www.retirewealthy.biz offers a free eReport on growing your retirement funds exponentially tax free.

As Albert Camus stated, "Life is the sum of all your choices." Join the movement and get educated, learn what to do and how to safely...take the money and run! You deserve it and your family deserves it. www.MoneyMama.biz.

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MoneyMama.biz guides and directs others to live life in their timeframe on their terms so they can be more and do more for those they love the most.

Create yourself a fabulous day..
Jody

Calculated RISK...or do they really mean common sense?

Let's go to the Real Estate "common sense" corner...what's really going on and what you really should consider. Solutions to getting into great real estate deals now. How does risk free real estate sound?

People trying to ride the wave of real estate can either jump in or be paralyzed by what they hear so let's get some facts on the table. Keep in mind, since there is no ceiling in real estate it means there is no bottom. Is real estate too risky? It can be if you don't know what you are doing. Consider house prices in California, stated in "the people history"; 1950 prices were around $14,500, 1960 prices around $18,500, 1970's around $26,600. What about now?

Look at what Zach Fox from the North Country Times in Calculated RISK Finance & Economics states in another Deal of the Week: Riding the waves in Oceanside (California). He states, "The featured 2 BR 2 BA condo sold for just under $100 thousand new in 1990. It went into foreclosure during the early '90s California housing bust, and was resold in 1995 for $33,000.

By 2000 the condo was above the original selling price. And then "rode the bubble" to an outrageous price. The condo went through foreclosure last year and sold in February for less than the original price in 1990! Adjust that return for inflation ..."

What does all this mean? If you knew how to read the market, understood what the current conditions were saying during the 1990's, would you have seen this wave coming?

History shows clearly the prices have gradually increased over each 10 year period. What I have come to learn is most people avoid the real estate arena because; they are scared to jump in, big time fear holds them back , they don't have the time to really know what or how to make a smart buying or selling decision, especially a lack of knowledge being so afraid to be "taken", rightfully so!
www.MoneyMama.biz

Common sense tells us we still have 3 basic needs which never go away.... food, water and shelter (www.MoneyMama.biz). We are still bringing babies into this world, our bodies require water and we still need a place to live. I invite you to get educated (www.MoneyMama.biz) and learn how simple, easy and smart it is to invest in real estate now. Learn what it takes to remove the fear of being "taken", understand buyer beware statements. Experience the opportunities of applying knowledge to make smart buying and selling decisions. Know how to benefit from real estate no matter what time you have available.

Knowledge alone is not power. Knowledge applied is power. Learn how to take charge of your financial situation today. If you are a first time home buyer, learn how to buy a property at wholesale. That means if the market goes down you are still in a position to have purchased at a great price. If the market goes up, you are sitting pretty. If you own multiple properties, buy more. Learn when and how to make smart buying and selling decision either in a good market, flat market or down market. Would that not give you the upper hand in today's economy? If you feel you are a seasoned investor, don't discount getting educated even if you believe you already know it all. Remember you don't know what you don't know.

Depressive or Impressive Retirement?

Retirement is subjective. Since 1986 we have been given sole responsibility to build our retirement. We past the buck, literally; past our hard earned "bucks" to someone else to manage. Are we depressed or impressed with our results?

I'm one of those in my early 50's learning more about how I can create an impressive retirement. A retirement portfolio that takes care of giving me a strong sense of security and the satisfaction of what I accomplished. The government won't have a hand in my retirement because I learned how to play their game. I learned how to keep my portfolio protected and safe to use without penalties. Isn't it time you do the same? www.MoneyMama.biz

I read an article from Andrea Coombes in MarketWatch on Social Security. As she pulled the statistics on how many use Social Security for their sole retirement portfolio, it was amazing and sad at the same time. WOW, really sad to see someones lack of responsibility for their own welfare. In reality, did they have a choice? We were handed the sole responsibility to manage and grow our own retirement since 1986. The government handed it back to us, sadly without any direction. The only choice was to hand our money off to someone who sold us on them knowing what they were doing. In essence, we gave our money to someone who saw a need and started up a business. If they can do it, why can't we? We can start up our own business and build our retirement within the same boundaries as they can. www.MoneyMama.biz

I want to be the one who is secure from my own efforts. Learning the game and play by the rules, rules the government set up. Andrea states: "if you're in your mid-50s or younger, it's time to make alternate arrangements.The program's dismal outlook has long been known, but the recent economic crisis further scarred the program's finances, bringing closer the day of reckoning when receipts no longer cover benefit payouts."

Social Security was a great plan. A plan for those who worked their whole life for someone else. A system for the government to take care of their elderly. What happens if you didn't take that path? or you didn't retire from a "job" after 30 years? Now what? Here's a few thoughts; Working for someone else, the slave, save, retire theory isn't working in 2010. Jobs were created to recover from the Great Depression era, that was the Industrial age. We are now in the Information age. Traditional education grew out of competing for jobs, doing what was required to show employers you are better qualified. Once again, set up to get through the Industrial age. What can we do to position ourselves in the Information age?

Let's learn from the past and learn how to harmonize the two eras. The Industrial age, during and after the Great Depression was a time people had years of nothing, then years of great abundance. They learned how to stretch the dollar vs learning how money works and grows. When the abundance started dying down, credit cards came into play. Buy now and pay later. Look at where that has got us? So in debt and we don't have a clue on how to get out. We haven't learned how money works and grows! 1% of the wealthy have earned and built their wealth through business ownership and real estate investing. Are you ready to join the 1% club? Go to www.Moneymama.biz

Create yourself a great day!
Jody

Tired or Retired?

Interesting conversation today I had with my son. I was looking at articles about retirement and got into the Social Security stuff. Retirement is a HUGE deal for me, I’m one of those that never knew how to build for retirement, thinking I had a back up with Social Security but also knew I didn’t want to work till I was 70 to get my full SS payout. I also learned from my Mom’s wealthy friends it’s good to supplement if possible.
I looked up the Depression. I honestly can say I didn’t realize it went on for so long, twelve years? It began in 1929 and officially ended in 1941. Crazy stuff!!! My greatest memory of the depression. Hope was lost during this horrible time. The survival skills learned were more how to stretch the dollar vs learning how the dollar works and grows.
Now we are 3 yrs into our current recession. How much hope has been lost? I believe this recession has hit us like a sunburn. Playing out in the sun all day then come nightfall your skin starts feeling a bit tight but still unaware of a sunburn. Come morning you look hot pink and can hardly move :) It truely has caught most of us unawares! Now we begin the search for something to sooth our current situation.
I’m not getting into this to be depressive but to IMPRESS upon you how most of us feel like we are swimming up stream. I have talked with so many people, those who have earned 6 figures and now out of a job. Their lifestyle took them out of the game. They are downsizing not because they really wanted to but to survive they have to. My neighbor, $750,000 home, beautiful. Paid cash for toys and more toys and thought life is good so he took out a 2nd mortgage to start investing .... no education just a belief he knew what he was doing. His wife stayed home with the kids. They traveled and was living the “dream” However, He has lost it all. Investments did not sell, borrowed money from family members, home is currently in foreclosure. Now renting and living paycheck to paycheck with his wife back to work.
It’s time we define our dreams and have a burning desire to achieve them!!!!
Start with putting together your dream board. Don’t just put pictures of things you want, get your picture along side that item...car, house etc. The most important part of a dream board is to dream. Dreaming is not where you want to live day by day, let it be your path. Dream big, now put those dreams up on the shelf. Those dream are not the here and now but allows the law of abundance to kick in understanding where it’s directed to go. Now get to work, a burning desire is a must. My dream board says “Open the doors, I’ll do the work”. Awesome!!! Now you know where you are going and you will recognize it when you get there!!!

Create yourself a great day!
Jody

A fun article I wrote...

US News & World Report speaks out on Retirement...
How do your retirement funds look? Are your expenses increasing while you find your funds decreasing right before your eyes? Isn't it time to stop the leak? Be assured you will create the right financial outcome at any age!


U.S. News & World reports shared the article written by Kimberly Palmer, Posted December 16, 2008 on "7 ways to Save for Retirement during a recession." She states "The recession appears to be forcing many consumers to sacrifice their retirement savings...A significant number of Americans don't know how much they need to save to maintain their standard of living [in retirement]," says Craig Averill, personal retirement solutions executive for Bank of America. Some 62 percent of survey respondents said they were either behind schedule in terms of their retirement planning or had not yet started."

This is not the first recession we have lived through. Why do we act as if it is? Why are we surprised when our retirement funds decrease because of current market trends? How do we know what is enough to take care of our needs long term?

Those are great questions. Questions I'm sure we each have asked ourselves. I'm in the same situation. When I was in my 20's, retirement was not even a thought. When I was in my 30's, I knew I should be thinking and preparing more for our retirement but family needs got in the way. Now, I'm approaching retirement crossing my fingers I have done enough. I wish I started earlier like most of you. I'm a college graduate but still I believed I must have been less educated than most. That simply is not true! I simply did not know. How do you know what you don't know? I simply refused to keep chasing ideas out there; I finally did something about it. www.Moneymama.biz shares what I did because I didn't know where to turn, who to learn from. Isn't it time we wake up and know where we are financially. Isn't it time to learn what it means to have your money work for you? Get my FREE eReport today at www.RetireWealthy.biz. Isn't it time to find those leaks so you have more income to retire on? Or more importantly, a greater sense of security knowing you have done your best to prepare for retirement? Then enjoy the fruits of your labors. Now is the time! Stop procrastinating and start living! www.moneymama.biz

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As a Real Estate Investor, I own multiple properties. I am a Mentor/Advisor/Coach. With education many have generated wealth for their financial freedom through tools that build confidence in acquiring their own Real Estate portfolio

Enjoy the day!

I'm sitting in our backyard arbor enjoying the beautiful summer weather. I watch as cars go by busily going here and there. I reflect on my business and have learned to create a business that keeps working whether I am or not. I can sit outside and enjoy the knowing I am making money no matter what I choose to do. That my friends is Freedom to me. I took it upon myself to figure out how to create what I have. I educated myself on how to work smarter not harder ... which I did so often. You see I believed if I was busy, I was productive. NOT! Working to create a working system that works automatically, nothing is more powerful. I also educated myself on what to do with the money I generate. Do I hang onto old techniques? Do I hold onto old habits? Depend on other's knowledge believing they have the answer? Depend on others to really be concerned about my finances? NO....NO again and again! I educated myself with sharp instructors who walk their talk. Learned how they set up their business', learned how they understand Taxes, learned how they think, how they act to simply duplicate their results. AMAZING!!!!
If you are tired of being sick and tired, go to www.MoneyMama.biz and get started TODAY.

Go create yourself a fantastic day
Jody

Internet fun!!

You know as I have been learning how to put this blog together I have learned so much about Internet and Internet marketing. I'll continue to post what I've learned...Great way to generate income while you are off doing what you love to do. I am in AZ taking care of my newest grandbaby #6, Emma Lillian. Still working my internet business, generating leads and still creating income!!! How does it get better than that? I knew it was possible but never experienced the result. I'll keep this post short and sweet! Internet marketing is what I call freedom. Learning to live life on my terms and in my timeframe!

Create yourself a great day!

Random thoughts...

As I sit outside enjoying the beautiful weather, thoughts keep coming back to my friends. They are amazing people! They have so much to share. My family is among those I consider my friends. They are so inspirational to me. They have and continue to teach me so much about life.
What's amazing is during a coaching session, I usually learn more than my client. I am blessed to coach the best of the best. They come to me because they are losing sight of who they are. They are struggling with understanding why they do what they do. They are challenged with accepting who they are but after a few sessions they begin to see what I see. They understand more of who they are, experiencing their purpose in this world and is free to take that forward momentum to the next level, step by step.

It really doesn't matter in what area you are moving towards. In Real Estate Investing, marketing, business, personal development, we learn step by step, line upon line. It's the law of the harvest. We can not expect the seeds to grow in 24 hours to harvest them. Why then do we believe we should be entitled to gaining results within 24 hours?

Life is an amazing journey. I love how every day offers something new :)

Create yourself a great day!
Jody

It's time

Hi Friends,
A few thoughts have been going through my mind. Salt Lake & Cheyenne are open markets in Real Estate and for business networking. Getting started will take some leadership to assist me in offering an opportunity of a lifetime for those ready to take on their financial life. Those who are sick and tired of being sick and tired!!! Those who are in a position to seriously serve those in the Salt Lake & Cheyenne communities. Those who are ready to pay it forward to others. If this speaks to you, email me and let's get started!

Interesting point - Out of a 9.3% unemployment rate nationally....
Cheyenne, WY comes in at 7.0. Is there a need out there for new business'? YES!!! Is there a need in Cheyenne for business ownership education? YES
Same within Ogden/ Salt Lake, Utah Area, they come in at 7.0
I'm getting these statistic from US dept of Labor...http://www.bls.gov/web/metro/laummtrk.htm
Check them out for your self.

When I look at the Real Estate Market for both areas, they remain steady or flat as most know it. It's not an up market or a down market but a flat market, remaining consistent. Is there Real Estate deals out there? YES
Why are we not taking advantage of them? That answer must come from within, what is holding you back?

I believe Nouveau Riche is a solution. Nouveau Riche is like a HUGE gym, a place where you can receive the results you are looking for. However, there are some who buy into a "gym membership" and learn tons of stuff but never do anything with that knowledge. Those who watch the results as people come and go. Those who think, "I'll get there, it's just not a good time for me." Those who believe if they only buy into the gym but not participate they will still see results. But, those who are successful connect in with their local community. They get to know the personal trainers and learn from them everyday.

What personal development is needed? Once again, what we don't know we can't change. Come onboard to learn what the successful are doing, you can do it to. Success is a learnable skill!!!! I urge each of you to plug in. I know the power of Nouveau Riche, I know the power of the marketing plan. Is it time you find out for yourself?

Create a great day for yourself!!!
Jody

It's happening!!!

WOW, just put together my upcoming ads. Learning how to manuever around Craig's list, publishing online articles, positioning on google and much more. Now I know anything is a learnable skill!!!

When I started into my Real Estate Investing, I had to overcome lots of fears just like my fears of the internet. Both are learnable skills, I know cuz I have .... I am doing both.

What are you learning out there? I hope it's how to generate income, both passive and massive! If you have a desire to change your bank account to the positive and have more money than month, say YES to getting registered TODAY for my free Investing Workshop. Seating is limited so register NOW at www.MoneyMama.biz. I'll show you real life examples of what my students have accomplished in today's market.

Create an amazing day for yourself!

Jody

Forward Momentum

Well it's started! We have learned so much about Craig's list, road side signs, getting articles published etc. All the fun stuff it takes to create a strong positioning online. Well, crazy as it sounds it has been fun. My team has really expanded and each person has a part to play. I'm glad I don't have to do this all by myself!!!
Thank you tons TEAM!!!!
Jody
Make it a great day