Real Estate Investment Opportunity

Pre Foreclosure status means the owner of the property has defaulted on his mortgage obligation and the lender is taking steps to foreclose on the loan and take possession of the property. This situation places the property owner and the lender in a disadvantaged position. But it may not be too late for the property owner to work things out with his lender. At the same time the lender may be interested in allowing a short sale (sale of the property for less than the amount owed) just to avoid the costly process of foreclosure on the loan, and then the expense of marketing the property. That leaves open the opportunity for a real estate investor to come in and solve the problem for both parties.

That’s where I come in.

I’ll be your strategy consultant who helps you [the investor] with your real estate investments planning. As a Real Estate investment consultant, unlike a Real Estate broker or sales agent, I’ll do more in-depth work on formulating your investment strategies, helping you [my client] fulfill your needs and goals.

Real Estate has long been recognized as a valuable addition to the traditional stock and bond portfolio model. Yet most investors struggle to efficiently access the asset class, where finding quality investment opportunities requires relationships and local expertise. That’s where I come in.

Investments and asset allocation. Where to Invest?

If Donald Trump Becomes President

Here Are the Stocks to Buy…

Companies in these four industries would benefit.

by Simon Constable @simonconstable

Big change in the land’s highest office can mean big changes in the economy. In general, promises are broken or only half kept. Still, we get clues on which areas of the economy will be favored, and which will not. Health care got a boost under President Obama, and defense did well under George W. Bush. With any politician running for office it’s hard to know exactly how things will turn out if they’re elected. What if Donald Trump were to become the next U.S. President, which sectors would benefit then? Here’s what some experts had to say on the matter:

Defense

US-NORWAY-LOCKHEED MARTIN F-35A LIGHTNING II JET FIGHTER — First Norwegian Armed Forces Lockheed Martin F-35A Lightning II, known as AM-1 Joint Strike Jet Fighter, is unveiled during the rollout celebration at Lockheed Martin production facility in Fort Worth, TX, on Tuesday, Sep. 22, 2015. The Lockheed Martin F-35 Lightning II is a family of single-seat, single-engine, all-weather stealth multirole fighters undergoing final development and testing by the United States. The fifth generation combat aircraft is designed to perform ground attack, aerial reconnaissance, and air defense missions. AFP PHOTO/LAURA bUCKMAN (Photo credit should read LAURA BUCKMAN/AFP/Getty Images)

Military strength has long been the Republican party mantra. Trump might be even more aggressive.

“In terms of going after terrorists from the air, you’d see an expansion of that,” says Ian Bremmer, president of Eurasia Group. Compared to Obama, Trump is not risk averse and is much more likely to take action that is “narrowly unilateral and doing it without an awful lot of discussion.”

Who wins? High-tech defense and aerospace manufacturers like Lockheed Martin LMT -1.47% , Raytheon RTN -0.73% , Boeing BA -0.56% and Northrop Grumman NOC -0.39% .

Infrastructure

It should be clear to anyone with a car that the nation’s roads need an upgrade. And Trump has said he would like to do something about it. In a debate in December, Trump said the nation would benefit from spending billions fixing roads, bridges, airports.

“Mr. Trump is Mr. infrastructure,” says Peter Tanous, chairman of Washington D.C.-based Lynx Investment Advisory. “He has more experience building than any president in history.”

On top of that, Trump’s biggest campaign promise—building a 50-foot wall on the boarder of Mexico—would be a huge infrastructure project. Estimates range from $15 billion to $25 billion to build the wall, which would have to stretch some 2,000 miles to cover the entire board. Maintenance could run another $750 million annually.

Tanous points to Jacobs Engineering JEC -0.89% as a likely benefactor of such a makeover. Likewise, the Fluor FLR -0.07% , which competes with Jacobs, will pick up business. As with all things that involve earth moving Caterpillar CAT 2.19% should benefit as well.

Small stocks over large

“He has a fairly protectionist message,” says Jason Pride, director of investment strategy. Protectionism, whether it be through tariffs or quotas on imported goods will be bad for multinationals because they are directly involved in international trade.

Smaller companies, particularly those that predominantly operate in the United States, will be dramatically less affected. As a result small cap stocks should outperform the shares of large companies. A good investment then could be Vanguard’s Russell 2000 ETF, which tracks 2000 small-cap and mid-sized companies.

Still, Pride warns, because Trump is an outsider to the globalization establishment there will likely be a lot of uncertainty about how things will turn out if he becomes president. Already, Trump has back peddled on getting rid of a visa program for skilled workers. So look for some softening on his stance against free trade as well.

Restaurants

A protectionist policy to trade combined with a crack down on illegal immigration could have an interesting impact.

First, if companies started to manufacture in the U.S. again then we would likely see wages for skilled factory workers jump.

More and better wages for workers would likely benefit those industries not affected too much by international trade, like restaurants. That’s something that could benefit the dining business, says Peter Morici, professor of economics at the University of Maryland University School of Business.

That said, the back bone of the food service industry depends on at least some illegal labor. If the “mass deportation” ever materialized, which is doubtful, then wages and other costs in the restaurant business could rise as well.

Still, there could be a case for investing in primarily domestic chains, particularly those with clients that are less price sensitive if the restaurant industry does have to shell out more money for workers.Take a look at Del Frisco’s Restaurant DFRG -1.12% , and primarily domestic Ruth’s Hospitality RUTH 0.00% , which owns Ruth’s Chris Steak House.

If you want to earn a big quantity of money, we can provide a simple business strategy in Real Estate Investments. We can help you. Contact me Here.

BUY HAPPINESS

THE SCIENCE BEHIND THE AGE-OLD QUESTION OF MONEY AND HAPPINESS

By Kellie Colunga

“It’s the hap, happiest season of all,” the crooners sing. But is it? As much as we try to make loved ones our focus at the end of the year, the subject of money always seems to be lingering in the background. Whether you’re keeping a running mental tab on what you’ve spent on the holiday festivities, you’re waiting to hear if you got that raise or bonus, or you’re determining your end of the year giving, chances are you’ve got your mind on your money and your money on your mind (as Snoop Dog would say).

Is your money really serving you? Does it make you happier? Are you using it to lead a more fulfilled life? If you answered no to any of these questions, take heart, there is hope. Because the science says money does bring you happiness – if you use it right.

HIT YOUR TARGET

Happiness is correlated to income, but only up to $75,000, according to a highly publicized 2010 Princeton study. So what does this mean? According to the research, people reported having a greater “emotional well-being” based upon income up to $75,000, after which the level of happiness evened out.

Essentially, this study quantified what we instinctively had guessed – that money alleviates the stress of providing our most basic needs. In other words, $75,000 of annual income buys peace of mind. Meanwhile, low income intensifies the emotional strain of the trials of life like medical emergencies and divorce, causing compounded pain from financial insecurity.

In fact, one study concluded that income could actually reduce the incidence of serious mental illness. “We know from the results that changes in family income are important drivers of people’s emotional lives,” said David Clingingsmith, author of the paper and associate professor of economics at Case Western University.

What does this mean for you? Well, if you’ve already hit that $75,000 threshold and you’re not happy, it means you just need to learn how to spend effectively. Keep reading! If you haven’t hit that target yet, first things first: you need to get to know your numbers. Implement a spending plan and take massive action to get your financial security in place. Just having an emergency fund that covers your basic needs for three to six months will alleviate the little voice of panic inside you (or your partner) that constantly questions what will happen if a crisis occurs. (Book maybe you like MONEY Master the game)

However, the science says that no matter where you are at in your financial journey, spending your money in these ways will bring you more satisfaction in life.

3 WAYS TO SPEND MONEY THAT WILL ACTUALLY MAKE YOU HAPPIER

SPEND IT ON OTHERS – AND WITNESS THE IMPACT

As it turns out, science has upheld the maxim, “it’s better to give.” A Harvard study conducted across over 100 countries found that whether rich or poor, people who give to charity are happier. Perceived happiness increases even more when we can see the impact our gift has on someone.

Remember that moment when you gave someone a gift that you just…could…not…wait for them to open? As they opened your present, you searched their face for the delight that you knew that you put there by giving them a gift you knew they would love. Giving a gift that changes someone’s life or just makes them feel known and loved meets our deep need for love and connection, improving the quality of our own lives whilst improving another’s.

SPEND IT ON EXPERIENCES

Make memories, not purchases. Spending money on experiences makes us happier than spending money on material things for a few reasons.

For one, spending our money on experiences creates a connection with the people we shared that experience with – and those memories form a bigger part of our sense of identity than the things we buy. In fact, we remember experiences as better than they actually were. Alternatively, we adapt to the material purchases quickly.

ALREADY CONVINCED, BUT NEED IDEAS? HERE IS A LIST OF 7 “EXPERIENCE GIFTS” WE PUT TOGETHER FOR THE HOLIDAY SEASON.

A paper from Cornell University psychology professor Thomas Gilovich showed that we also get more pleasure out of anticipating experiences than anticipating the acquisition of material things. There is a reason that those brilliant credit card commercials tell a story of purchases made to create a ‘priceless’ memory. It is the experiences that stir up your emotions; it is the experiences that they are selling.

Consider this: The two days your spend waiting for your Amazon Prime package to arrive doesn’t build the same kind of anticipation as planning and dreaming about that vacation to Belize does. You take the time off work, brush up on your Spanish, read travel blogs and more, all the while thinking about how epic this trip is going to be. And once it’s over, you’ll tell the story of zip-lining through the rainforest to anyone who will listen for the rest of your life.

Best of all, we don’t compare experiences quite the same way we compare our material possessions to other people’s. Teddy Roosevelt may have said it best when he postulated, “Comparison is the thief of joy.” But thankfully, keeping up with the Jones’ doesn’t translate to experiences the same way it does to things. Sure, the Instagram pics of your college roommate’s family trip to Hawaii may give you travel envy, but it doesn’t diminish the joy you experienced camping in Yosemite with your spouse.

Although it may be easier to prioritize buying material goods, thinking they’ll offer better value for money in the long run, psychologists tell us that the opposite is true.

BUY BACK YOUR TIME

Studies also show that we are happier if we buy back our time. Wait, isn’t time the one thing money can’t buy us? As it turns out, no. Time is one of the most important things money can buy, precisely because it is such a valuable resource.

As the author of Happy Money: The Science of Happier Spending, Professor Elizabeth Dunn, suggests: “Don’t buy a slightly fancier car so that you have heated seats during your two-hour commute. Buy a place close to work, so that you can use that final hour of daylight to kick a ball around in the park with your kids.” A University of Zurich study agreed, citing that you would need a 40% raise to offset the added misery of a one-hour commute.

But it’s not just time sitting in traffic you can buy back. What would you be willing to give up to gain back the time you spend cleaning your house? Pack your lunch a couple of days a week and you may find that house cleaner is suddenly within budget, freeing up those precious hours.

This is especially difficult for those of us from hard-working families who were brought up to do things ourselves. Sure, we can change our own oil, but is it the best use of our time? Will it bring you joy? If so, have at it. If not, reconsider what your time is worth and spend accordingly.

TELL THE RIGHT STORY

Finally, your happiness is ultimately determined by the story you tell yourself. What is the story you consistently tell regarding your finances? Is it empowering you or limiting you? Is your story making you happy? As Tony Robbins says, “Change your story, change your life.”

On your journey to financial freedom, be sure to cultivate gratitude. One of the main reasons that collecting more things doesn’t make us happy in the long run is because we adapt quickly to it. Sonja Lyubomirsky, psychology professor at UC Riverside, says,” If you have a rise in income it gives you a boost, but then your aspirations rise too…You’ve stepped on the hedonic treadmill. Trying to prevent that or slow it down is really a challenge.”

Consciously fostering gratitude is key to maintaining joy.

Wherever you are in your financial journey, may you find joy this holiday season

Book may be you like MONEY Master the game

More about Success: Why Sarcastic People are More Successful

Original Post in Tony Robbins/Money

The most Inspirational video for women ever.

The words of these inspirational women are a powerful reminder of why and how to keep going.

How to have motivation and never give up

Learn more: Nine Things Rich People Do Different

How to build a successful business: Contact me Here

12 Rules for Start a Business

Mark Cuban’s 12 Rules for Startups

Anyone who has started a business has his or her own rules and guidelines, so I thought I would add to the memo with my own. My “rules” below aren’t just for those founding the companies, but for those who are considering going to work for them, as well.

I’m Patrick Iturra, my team and I can help you build a cash flow with a systematic process and capitalize faster.
With this process, you can earn massive lucrative passive income that you can use to start your project.

Create your own money.
Contact me HERE to get more information.

Source: ENTREPRENEUR

Economic Crisis 2015 & Great Opportunity

Economic Crisis 2015 – Peter Schiff & Mike Maloney

Recently Peter Schiff visited Mike Maloney in California. During his stay they filmed nearly 3 hours of discussions about precious metals, freedom, and the economy in general.

Over the next few weeks we’ll be publishing a series of these videos, so make sure you are subscribed as this analysis is not to be missed. In this first installment, Mike and Peter discuss hard evidence that a huge economic crisis awaits us in the not too distant future.

Contact me HERE, to receive a cash flow business strategy, build your own system, and take advantage of this economic crisis

Karatbars a Business for Champions

Karatbars is now going to the next level. Now partnership with the most famous sport team in the world.

Real Madrid

Martina Sáblíková 2 Gold medal, 2010 Vancouver & 2014 Sochi

10403006_10152363869031230_8618649827888377024_n — Martina Sáblíková

Ricky Cardús MotoGP

Are you ready to take your business to the next level?

Welcome to karatbars En Español

If you are interested to start a new business with a strong system, contact me HERE, I can help you. I also have an extraordinary support center worldwide, daily video conferences and live chats available for you. I can guide you to be successful in the precious metal industry. I have the experience in the financial market and as a business owner in the US. Learn more about my business skill at ABOUT.

Video by Evelyn Tobar

2014’s Most Despited Investment Was Up 73%

You may think I got these numbers wrong or that the headline below is a joke, but as you’ll see, the most despised investment class of 2014—gold—really was up 73% last year… in Russia.

Before you dismiss that as irrelevant, you should read Jeff Clark’s brilliant article on the subject; it’s fun and yet fact driven and presents a perspective all investors should give serious thought to.

“Gold Price in Rubles Rises 73% in 2014”

The article detailed how gold had soared last year due to the depreciation of the ruble. What especially pleased him was that gold rose more than the ruble fell. It also outpaced the rise in inflation.

The article included a chart of the last six weeks’ price movement, during which the ruble had taken an especially ugly drop.

GoldPriceinRublesGoesThroughtheRoof — Karatbars International GmbH

The price of gold rose against ALL currencies in 2014—except the US dollar. Yes, gold was up in the euro, Japanese yen, Swiss franc, Canadian dollar, British pound, Australian dollar, New Zealand dollar, Chinese renminbi, Indian rupee, Swedish krona, Brazilian real, Israeli shekel, and South Korean won.

Even more interesting was that gold outperformed most stock markets around the world…

If you agree, I encourage you to forward this edition to all your friends who should give the matter due consideration. If the worst of our economic fears do come to pass, they’ll be glad you did.

ALLOW me to observe…we are NOT a Speculative Investment…
Karatbars are Gold as Money…

Contact me HERE to be a part of our worldwide business expansion.

Learn more The Greatest Wealth Transfer in History

Massive Market Divergence

This is one of the most concerning data points for today’s stock markets: decreasing volume. This is happening even while markets are levitated by Federal Reserve stimulus and negative interest rates. By Dan Rubock

This is Maloney’s thoughts: “This is not a healthy market. This means that less and less of the real investors are in there, and more and more of this is black box trading. The problem with that is that when the markets change every black box is going to be selling at once, so what is being set up here is probably the biggest market crash in history.”
He then goes on to show the same divergence in broader market measurements via the S&P 500 and finally the Wilshire 5000:

Watch the accompanying video for all the details, Maloney holds no punches as to the levity of what he sees coming…

..Once that breaks, we’re going to see pretty much a different world I think.”

Dow Sell Off – Massive Market Divergence In 3 Charts by Mike Maloney

How you can have your own Gold Reserve Account? just click HERE (go to Registration-become-a-customer) for more information go to CONTACT

Let us know what you think in the comments section below.

Q: Are there any quick ways to succeed in business?

Q: Are there any quick ways to succeed in business without spending a huge amount of money on marketing?

Unfortunately there’s no shortcut or magic recipe to success — or if there is, I haven’t found it yet. Creating a successful and profitable business takes time, since you build your reputation as customers learn to trust and rely on you, one by one.

Also, there’s no guarantee that spending a huge amount of money on marketing will slingshot your business forward. If you spend your time looking for shortcuts, you will find one — right out of business.

While there are no set rules for succeeding in business, over my 40 years as an entrepreneur I have embraced some rough guidelines that can be very helpful:

1. CREATE A USEFUL PRODUCT OR SERVICE

Above all else, you should not go into business purely for financial reasons. Running a company involves long hours and hard decisions; if you don’t have a better reason than money to keep going, your business will more than likely fail, as many new businesses do.

So it’s important to create something of use that is going to benefit society as a whole. If you do something you truly care about, you will be in a much better position to find customers, connect with them, and keep them coming back.

Once you have decided on the type of product or service that interests you, focus on how to do things differently from the competition: Do your research, find a gap or an area ripe for innovation, and position your business in a way that sets it apart.

2. SIMPLIFY YOUR MESSAGE

Customers don’t just shop for a brand and its products, but also identify with its core values. Ask yourself, why did I start my business? Be honest — this will help you establish an authentic value and voice. Then distill your message into something simple.

At Virgin, we stand for great customer service, good value and innovative alternatives to our competitors’ offerings. Most importantly, we view business as a force for good. Knowing who we are and what we stand for ensures that we don’t waste time or money on messaging that doesn’t represent us or resonate with our customers.

3. MARKET YOURSELF

Marketing is a powerful tool, but it doesn’t have to be expensive. My mentor, Sir Freddie Laker, a man who had started a company to challenge British Airways on their home turf, gave me some invaluable advice when I was starting up Virgin Atlantic Airways. Knowing that we couldn’t match the more established airlines in terms of marketing budget, he encouraged me to drive the publicity myself: “Use yourself. Make a fool of yourself. Otherwise you won’t survive.”

I took his advice and I’ve been thinking up fun ways to stand out from the crowd and draw the media’s attention to our company ever since, from breaking world records to pulling pranks.

While I’ve always been interested in sports and physical challenges, that might not be the route for you. Find your tone, know your brand, do things your own way, and create waves. The free advertising will follow.

4. EMBRACE SOCIAL MEDIA

Tools like Twitter and Facebook are wonderful ways to get your message out to a wide audience. Social media is not only more cost-efficient than advertising, but it also offers great opportunities for innovative engagement with your customers. Use it to your advantage.

Remember that there is a difference between selling and marketing. In my experience, selling a product through social media doesn’t work — it’s better to simply communicate with your customers in an authentic way and have fun. As you build an online profile that people can identify with and trust, you’ll find that they will soon become customers.

The feedback you receive on social media can be invaluable, especially when your business is just starting out. Listen to your customers’ comments about your company’s offerings to gain an understanding of what you are doing right and wrong. You can also use this feedback to sharpen your social campaigns and measure the effectiveness of your calls to action.

5. KEEP ON ENJOYING WHAT YOU DO

If you genuinely love and believe in what you do, others will take notice and share your enthusiasm. Geraldo, in your case, this might prompt people to take out a loan with your company instead of another provider, or encourage them to recommend your company to a friend.

If you find your interest flagging, it’s time to make a change — switch from operations to management, move on, expand into new territories, anything that interests you. To find success, you need to be fully committed or your work will show it.

Good luck!

Learn more about New Business Opportunity

By: Geraldo Kandonga Fillipus, Geraldo Financial Solutions, Namibia Source: Entrepreneur