Volume 10, Issue 6 June, 2008

Getting Back into the GAME . . .

Buy/Hold/Sell ???

REIANO Plus has invited Steve Powanda who will discuss the skills and techniques that aspiring real estate entrepreneurs, like

NEXT MEETING! Wednesday,

June 18th Meeting HOLIDAY INN – INDEPENDENCE

I-77 & Rockside Road, Independence, Ohio

Agenda: 6:00 PM..... Doors open to Registration 6:30 PM..... Sharp! — General Announcements 6:45 PM..... Trade, Swap and Sell 7:00 PM..... Stretch and Network 7:15 PM..... Featured Speaker 8:45 PM..... Break 9:00 PM..... Questions and Answers 9:15 PM..... Adjourn

$20.00 Guest Fee for Non-Members.* *Credited toward membership if joined within 30 days.

The Rules of the Game of Real Estate you, will need in order to understand the business of have drastically changed buying and selling quickly at

over the past 7 to 9 months . . . 6:30 pm on Wednesday, June 18th, 2008 at the Holiday Inn -

So YOU need to get back to Independence at I-77 & Rockside Rd. Registration

the Fundamentals . . . begins at 6:00 pm and the Guest Fee is $20 payable at the door for non-members.

So in a few years Down the Road Members are always FREE!

YOUR NOT SAYING –

I Wish I had taken advantage when real estate prices were at all time low –

possibly the lowest you will ever see in your lifetime ! !

The Time TO DO Something is NOW ! ! !

EIANO Plus has invited Steve Powanda to speak on Wednesday, June 18th , 2008 at 6:30 pm at the

Holiday Inn – Independence. Steve Powanda is extremely qualified to demonstrate that what once worked in the past may or may not work in today’s real estate marketplace; but if you tweak your strategies (game), you can position yourself to profit big-time in the not so distance future. In the past there have been good opportunities to cash in on real estate but they were in isolated areas of the US. What’s unique about this real estate marketplace is that virtual everybody throughout the US can profit like never before; henceforth, the TIME TO DO something is NOW.

R

(Continued on page 2)

Page 2 The Wealth Builders Journal June 2008

(Continued from page 1) … Getting Back into the GAME …

Steve Powanda is a full time real estate investor for the past 15 years. Besides his investment business, he conducts various educational workshops with ACRE of Pittsburgh, a local real estate investment association, of which he is Vice President. Being from the Pittsburgh area, Steve Powanda can easily relate to the Cleveland Real Estate Market and knows exactly what you are encountering day after day.

On Wednesday, June 18th , 2008 at 6:30 pm at the Holiday Inn – Independence, Steve Powanda will discuss the skills and techniques that aspiring real estate entrepreneurs, like you, will need in order to understand the business of buying and selling quickly.

Here’s a sampling of what you learn:

How to use realtors to find the best deals and leverage your time.

Evaluating a property and

determining comparables sales.

How to mathematically know your offer will be profitable.

Exit Strategies – Know your way out before you get in!

Repairs – The basics on estimating and handling contractors.

Using assignment of contracts to sell wholesale.

Buying subject to existing debt.

Marketing and working with lenders.

Without a doubt, this monthly session will teach you what you need to know to make a full time income, working part time in the buying and selling business. Again, these are the techniques that Steve Powanda uses every day.

If time permits, Steve Powanda will cover some of his best Property Management Secrets because he understands that some of you will want to position yourself with a solid portfolio of properties at today’s

low, low prices and increase your passive income so you can get out of the rat race sooner rather than later.

It’s important to realize that the mindset for income properties is quite different than that for properties that you would say either wholesale or retail. With that in mind, Steve Powanda will cover the following :

Deal Analysis for Long Term Transactions

Financing – Creative or Bank

What qualifies as a long-term keeper ?

Using the internet to market and pre-screen tenants

Keeping good tenants

Collecting rent effectively

Should you do your own repairs ?

Repair ideas for rental property

Trading up to build solid rental portfolio

Exit Strategies – How does this property fit into your long term plan ?

Should you use a professional management company ?

So no matter what your strategies are, Steve Powanda will show you the many profitable opportunities that are available in today’s marketplace.

The Time TO DO Something is NOW ! ! !

“The Wealth Builders Journal” 5007 Lorain Avenue, Cleveland, Ohio 44102

Editors: Mary Lou Best Shannon I. Best, II Contributing Writers:Curtis Gadd Richard Hackerd Rex Harper Howard Kass

Howard Krantz Jim Larson Nina Murzyn Chris Myrick

Jackie Parries David Riehl Dennis Zab

Writers’ and speakers’ comments are not necessarily those of the Association; seek professional advice. Members are encouraged to submit articles, questions, and letters or publication consideration, subject to editing. Quotations permitted with full credit given author, plus name, address and price of this newsletter. Published 10 times per year. Subscriptions are $36 or included in your membership dues.

Custom Property Management

Tailored to Your Needs! Best & Associates, Inc.

The Full-Service Property Management Co. Shannon & Mary Lou Best

Phone: (216) 961-8855

Volume 10, Issue 6 The Wealth Builders Journal Page 3

DDeeaallss,, DDeeaallss aanndd MMoorree DDeeaallssby Steve Powanda As I said in the first paragraph

this is a wonderful time for people with cash and knowledge. What type of knowledge is necessary for this environment? We need specialized knowledge about the market and about how to make an offer that makes money regardless of the environment. For example the market right now is much better suited to buying long-term rentals rather than retail flips. Why? Financing is tight or nonexistent. Rents should increase as more people go back to renting. If you are doing retail flips above $120,000 you are paddling up stream, and fighting the market. In our area there is only one exit strategy for this type of house, a retail sale. In Pittsburgh our rents generally average between $600 and $1000 for a house. A $120,000 house on an interest only rehab loan of 9% comes with a payment of about $900 a month. Taxes would be about $2400 a year or $200 month. Without factoring insurance, maintenance and surprises you need $1100 a month rent to just breakeven.

So what is the strategy? Do we quit flipping? No, we learn to buy cheaper houses or better houses cheaper. Everything you buy to retail should cash flow as a rental as well or you DON’T BUY IT! Gone are the days when you can pay a little more, just like the house flipping shows.

It seems with the collapse of the sub prime market, massive amounts of foreclosures and the mass exodus of the uneducated speculator from the real estate market. It has left us with one thing. Good deals! I have been active in the real estate market for almost 20 years, starting when I was just 21. In my entire career I have never seen discounts like I am seeing today. Banks with way to much inventory, wannabe investors who have jumped ship combined with a liquidity crunch. “Attention K-Mart shoppers we have a blue light special on isle nine.” If you know what you are doing and have CASH!

To be successful in this business you need understand the numbers like any other business. Balance sheets, Profit/Loss reports and Cash Flow analysis are your tools. You must learn to use private money for your acquisitions not hard money or bank money. You need to focus on bank owned property, which will be primarily listed in the MLS and formulate a mathematical offer based on comparable sales and a repair analysis. This is what I do every day. If you think this specialized knowledge would benefit you, I welcome you to attend the Jun. 18th meeting on “Buying and Selling for Maximum Profit” at 6:30 pm to 9:00 pm at the Holiday Inn –Independence.

If you were the type of investor that lived the fast life with the big house and nice cars all paid for with credit cards, re-mortgages, hard money and lines of credit off of your real estate. You are in the house of pain! Unfortunately this didn’t happen over night and won’t correct itself over night either. Any one who has attended one of my workshops knows I have be cautioning of this downturn for about the past year. Happy investing

FFOOCCUUSS by Steve Powanda omething I think we are all guilty of is lack of consistent focus. We all need to focus on

what we do best and block out everything else that gets in the way. How many times have you seen someone who was successful at something and a year later he is doing something completely different? They are looking to build a better mousetrap. The reality is if they would have just focused on what was working they would be better off.

A good example of this is Michael Jordan, probably one of the greatest basketball players of our time. When Michael decided to play baseball he

was average at best. Clearly a lack of focus on what he did best. We all need to focus on what we do best and pay someone to do everything else. If you are an investor this means making offers. I will give you an ironclad guarantee. If you don't make any offers you won't buy any houses. Most full time investors should be making fifteen or more offer per week. Instead most are fixing plumbing, painting rentals and doing other non-revenue generating tasks. It seems much of our lack of focus is due to taking advice from the wrong people.

Just about everyone you talk to will have an opinion on what you are doing. Some will be accurate or good, but most will be dead wrong! Why is that? First, many people base their

opinions on second hand information. They had a friend who once bought a house in that area and lost tons of money. If I had a dollar for every person who told me: "Don't buy that house with the water in the basement there is an underground stream in that property". I would be super rich.

SAll of these opinions, if checked

out are rarely based on real first hand knowledge or facts. They often cause us to change our outlook and lose focus. May I suggest you never ask someone's opinion about money unless they are making significantly more money than you?

(Continued on page 6)

Page 4 The Wealth Builders Journal June 2008

NNoo RRoooomm ffoorr EExxccuusseessby Ron White Ronald Reagan boxing during college to afford his

tuition. he rich get richer and the poor get poorer.” You have heard it a million times.

However, my guess is that you have never heard it from the mouth of the 'rich'. Instead, this echo has most likely bounced to your ear with its origins being an excuse. That is right... an excuse. Excuses are what many use to pacify their guilt of not accomplishing what they are capable of.

“T Bill Clinton Jimmy Carter... He was the first

member of his family ever to go to college and his father was a peanut farmer.

They were all President of the United States, right? They were all the most powerful man in the world at one point. However, I am looking for something else... Ronald Reagan... Son of an

alcoholic traveling shoe salesman. He worked his way into show business by broadcasting baseball games. At forty, he was divorced and his career was at a dead end.

Richard Nixon... Nixon was born in the home his father built. He won an award from Harvard his senior year of high school. However, his family was unable to afford his leaving home for college. He instead attended Whittier College.

Bill Clinton... Born William Jefferson Blythe IV, his father (a traveling salesmen) died in an automobile accident three months before he was born. His mother married Roger Clinton and Bill took that name. Clinton grew up in a turbulent family. His stepfather was a gambler and alcoholic who regularly abused his wife, and sometimes Clinton's half brother Roger.

I am not suggesting that wealth is success. My inference is that success is the progressive realization of predetermined worthwhile goals. It may be something as simple as raising a family.

Gerald Ford... Ford was born as Leslie Lynch King, Jr. In 1913 his mother left her abusive husband and took her son to live with her parents. She met Gerald R. Ford, whom she married and gave her child his name Gerald Rudolph Ford, Jr. He was the only President to be adopted. Ford worked in his stepfather's paint and varnish store growing up. He coached

What do these names have in common?

Richard Nixon

Gerald Ford (Continued on page 6)

Jimmy Carter

Volume 10, Issue 6 The Wealth Builders Journal Page 5

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Page 6 The Wealth Builders Journal June 2008

(Continued from page 3) (Continued from page 4) … Focus … … No Room for Excuses …

Furthermore, if you have the facts why you want to buy a piece of property, do not let someone scare you out of buying it with opinions.

None of these men were born into wealth and prosperity, yet they each achieved the rank of most powerful person in the world by working hard and not making excuses. That is 5 out of the last 7 Presidents or 71% of Presidents in the last generation born into normal families who struggled. Yet, they refused to use that as an excuse.

As a real estate investor you need to march to the beat of your own drum. What I mean is do not compare yourself to others. Comparing yourself to others will slow your growth and frustrate you. Remember no matter what you do in your life, you will always be able to find someone that can do it better than you. Instead focus on competing with yourself, pushing yourself further. It is true that these men were healthy and

had no physical handicaps. However, I encourage you to visit www.JohnFoppe.com and watch his video. This speaker proves that there is no room for excuses, regardless of your lot in life.

If you are in constant competition with others you will always be disappointed. Many times the very people you are comparing yourself too are not doing as well as you may think. If you want to stay focused, you need to manage your time well. Look at any successful person and you will see that they don't waste time. They will have some type of time management system. It could be a day timer, PDA or just a notebook, but their days and weeks are not random. They are planned out and organized to achieve their goals. If you were to go on a trip you would have a map showing how to get there. Your investment goals need a well thought out map in the form of time management. Lastly we all need to be around like-minded people. People who have similar goals and ideas, that is why it is so important to attend any local real estate investment associations monthly meetings. Attending the meetings will keep you focused and motivated to achieve your goals.

Life is too short to make excuses. Set your goals and pursue them. If you have been dealt a 'worse' hand than another, it may indeed be a gift that teaches you the value of hard work. Your story will be richer and your success sweeter when you achieve your dreams. Maybe one day I will cast a vote for you as President of The United States!

Reproduced with permission from the Ron White Ezine

ATTENTION REAL ESTATE INVESTORS

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Volume 10, Issue 6 The Wealth Builders Journal Page 7

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Page 8 The Wealth Builders Journal June 2008

TThhee BBooookkeennddss ooff SSuucccceessss Dr. John C. Maxwell

ASCAR drivers know the importance of starting in the right place. Before a race even

begins, they compete with one another in the hopes of earning the best starting position. At qualifying runs, held the week prior to the official race, each driver speeds around the racetrack in a timed performance. The driver with the fastest time earns pole position - or the right to begin the race in front of the other cars. A driver in pole position doesn't have to be concerned about passing anyone in order to win the race. All he or she must do is hold their position in order to win.

Conversely, a driver who does poorly in the trial run must begin the race in the worst possible position - at the very back of the pack. Stuck behind the other racecars, the disadvantaged driver has virtually no chance of winning. To finish first, he or she would have to pass every other car on the track during the course of the race.

In addition to starting strong, a NASCAR driver understands that his or her performance depends on finishing well. In a 500-mile race, leading for 499 miles is meaningless if a driver isn't in front at the checkered flag. Regardless of a driver's skill maneuvering the car early in the race, if he or she crashes or loses focus toward the end, the driver will forfeit the lead and lose the race. Nobody wins points for their position in the middle of the race; rather, each driver is assigned a place based on how he or she finishes. THE BOOKENDS OF SUCCESS

Great leaders understand the two bookends of success: starting and finishing. We generally think about them in terms of doing a task or project. However, what's true in our approach to projects is also true in our approach to each day. How we spend our mornings and evenings

has a tremendous bearing on the course of our leadership.

I use my morning to set up a game plan for the day. During this time, I allow no interruptions. I never schedule breakfast meetings, and I isolate myself from distractions. I do not permit myself to strategize years down the road or to project my thoughts months into the future. Rather, I narrow my focus to the upcoming 24 hours. I ask myself: "Just for today, how can I be a success?" Viewing life in 24-hour increments, I place a premium on each day. I try to make each one a masterpiece.

During the evening, I reflect on my day. By reflecting, I translate my day's experiences into learning opportunities. This process solidifies in my mind the lessons I've discovered or bits of knowledge I've uncovered. Reflecting also gives me the space to assess my progress on the goals I made during the morning.

Relaxation is another important part of my evening routine. I make a point to put my leisure time into activities that replenish me by refueling my energy. For me, such activities include spending quality time with my wife, reading a book, or studying Scriptures. Relaxation puts me in a good emotional state, lifts my spirits, and reminds me of the joys of life.

When I neglect to carve out time in the morning to plan my day, I notice adverse effects. First, I don't live my day on purpose. Instead of choosing where to invest my time, I cede control of my schedule to whatever circumstances happen to arise. Second, I

squander my energy. Since I don't outline clear goals for my day, I float from one activity to another without getting anything done. Finally, when I skip my morning planning time, I feel overwhelmed. Since I'm ambitious, I have a propensity to bite off more than I can chew. If I don't focus my attention, the weight of my numerous involvements begins to drag me down.

N

When I am not intentional about setting aside evening time for relaxation, I encounter negative symptoms, too. First, I get uptight. My times of reflection and relaxation act like valves that release stress from my life. If I don't guard those times, I get tense, my thoughts are more negative, and my health suffers. Second, I lose passion. My leisure times fuel me. If I am not intentional about putting time into my favorite activities, then life loses its luster. Third, I miss chances to grow. When I don't reflect on the meaningful moments from each day, I rob myself of the benefits of experience.

SUMMARY Yesterday is gone, and tomorrow

is out of reach. That's why today matters. Leaders who value each day know the importance of starting well and finishing strong. In the mornings, they focus their energies on key tasks, and in the evenings, they replenish themselves. By mastering the bookends of success, leaders position themselves to make an impact every day.

“LIKE A GOOD NEIGHBOR, STATE FARM IS THERE” WE LIVE WHERE YOU ARE

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Independence, OH (216) 328-0280

LIKE A GOOD NEIGHBOR STATE FARM IS THERE

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Volume 10, Issue 6 The Wealth Builders Journal Page 9

Reiano Plus reserves the right to refuse any and all advertising requests. REIANO Plus also assumes NO responsibility for claims made in adver-tisements appearing in this newsletter.

TTrraaddee,, SSwwaapp && SSeellll

Reiano Plus LLC assumes no responsibility for claims made in Trade, Swap & Sell

Following is the list of those items presented for Trade, Swap & Sell at the May. 2008 Membership Meeting:

PROPERTY MANAGEMENT FOR INVESTORS ............. BEST & ASSOCIATES (216) 961-8855 C 21 HOMESTAR REALTY, OVER 25 YEARS EXPERIENCE INVESTORS ........SHANNON (216) 214-3537 ODORXIT-CONCENTRATE $35.00 /KO EXTREME ODORS..................... MARY LOU (216) 651-6655 INVESTMENT ADVISOR OFFERS RE INVESTORS ASSET MANAGEMENT ..........DARREN (216) 832-9001 INVESTMENT LOANS - MORTGAGE NOW INC............................................RICK (216) 373-7425 IDENTITY THEFT TAKES PLACE EVERY 79 SECS-BE PROTECTED FOR $12.95 .CHARLIE (877) 492-9129 PROPERTY @ WHOLESALE PRICES ..................................................NANCY (440) 537-2026 NEED PRIVATE LENDER FOR QUICK RETURN ON MONEY – SHORT SALES ... ART & LEE (440) 935-3720 CREDIT REPAIR WWW.LIBERTYCONSULTING.FIXCREDITBIZ.COM.....................RICK (216) 373-7425 NEED A CREDIT PARTNER FOR A PRECONSTRUCTION ...............................BERNIE (440) 773-6102

Success is nothing more than a few simple disciplines, practiced every day; while failure is simply a few errors in judgment, repeated every day. It is the accumulative weight of our disciplines and our judgments that leads us to either fortune or failure.

Jim Rohn

REIANO 2008

MEETING SCHEDULE BEFORE YOU PAINT STINKY AREAS OR REPLACE SMELLY CARPETS AND

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Page 10 The Wealth Builders Journal June 2008

Mountain Resort Lots for Sale

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REIANO plus (216) 651-6655 Independent Associate (216) 651-6655

BENEFITS AND MEMBERSHIP APPLICATION “IT PAYS TO BELONG”

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Membership Categories: • Primary Membership. Any person having personal

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• (Additional) Partner Membership. Shall be adult members of; o the immediate family and living within the same

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Membership Benefits: • General Meeting. Our monthly meetings offer national and local guest speakers covering a variety

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There truly is strength in numbers!

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REIANO PLUS LLC, MEMBERSHIP APPLICATION FORM, COPYRIGHT 2007 – REVISION A

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NEXT MEETING … WEDNESDAY, JUNE 18 th, 2008 AT 6:30 PM

Getting Back into the GAME . . .

REIANO Plus has invited Steve Powanda who will discuss the skills and techniques that aspiring real estate entrepreneurs, like you, will need in order to understand the business of buying and selling quickly at 6:30 pm on Wednesday, June 18th, 2008 at the Holiday Inn - Independence at I-77 & Rockside Rd. Registration begins at 6:00 pm and the Guest Fee is $20 payable at the door for non-members.

Members are always FREE!

Buy/Hold/Sell ??? The Rules of the Game of Real Estate

have drastically changed over the past 7 to 9 months . . .

So YOU need to get back to the Fundamentals . . .

So in a few years Down the Road YOUR NOT SAYING –

See front page articleFor full details

Meeting Now STARTS at 6:30 PM !