Real Estate Investing Financing Truths – Part 2 | Real Estate

No Money Down and other ‘Creative’ Real Estate
Investment MethodsFor many years, investors have seen the traditional
real estate investment methods described in Part 1
of this article as a lot less than desirable!They began looking at the prices of houses and
finding methods of bringing the price more in line
with making more money in a faster way.These savvy investors developed ways to get loans
on properties that allowed them to pull money out
whenever they buy a real estate investment (cash
back at closing) and lower their payments to build up
their cash flow (‘creative’ investing).They even developed methods of determining a
Sellers motivation for selling – and bought the
property at a discount price.These creative investors also saw that some Sellers
were not able (for whatever reason) to sell the
property at a discount price, however, they still
needed to get rid of the property, as they didnt
know how to manage it as a landlord, or make
money from it – not that it couldnt be done, they
simply lacked the knowledge of how to do it.The Seller just never learned how to profit from a
real estate investment.These investors understood how to make money
from such properties, and did.They bought the property on discount terms, and
made money from the spread by selling it at retail
price and/or terms (certainly one of my favorite
methods of real estate investing).Buy Every Real Estate Investment via Discount Price
or Discount Terms.Several years ago (actually, it really took off in the
1980s), Real Estate Investment Experts began
seeing the potential for making money in bringing
this treasured knowledge to the public in the form of
home-study courses, seminars and Boot Camps.They found that it wouldn’t create competition for
themselves, as many people, even though they
purchase real estate courses and attend seminars
and Boot Camps, will not actually take the
information and utilize it to make the hundreds and
even thousands of dollars possible for anyone
serious about Real Estate Investing.These Real Estate Investment Experts (being
dubbed ‘guru’) found that this side of the business
was lucrative often making more income from
teaching about real estate investing than the actual
real estate investments themselves.It is important to understand that these real estate
investment gurus learned early that they can only
teach others what to do, not be responsible for the
other persons success.Providing the information to those that choose not
to use it is very similar to the old adage “You can
lead a horse to water, but you cant make it drink”.Yes, these real estate investment gurus got wealthy
from selling this information, but their theories,
principles and techniques taught thousands of
others (those that take action on what they learn)
how to realize their dreams utilizing their tried and
true methods of real estate investing.From home-study courses and seminars, to boot
camps and one-on-one training, these methods
have been proven to be not only interesting to
millions of people, but capable of bringing massive
wealth to those that take action on what is taught –
those that go on and actually make real estate
investments themselves.Knowledge changes things…This knowledge of no money down real estate
investing techniques being known by thousands of
Sellers has made changes in the industry.By bringing the Seller into the knowledgeable realm
of Real Estate investing, Sellers now know many of
the methods that the gurus teach.This is both a blessing and a curse.To the talented investor, these knowledgeable
people are more likely to work to create a WIN-WIN
situation.Investors that avoid the tricks and stick to the basic
real estate investment techniques and terms that
have been proven to work over and over again,
have proven these powerful real estate investment
strategies work even with these informed Sellers.Oh, yes, many of these real estate investment
techniques work today, as they have for many
years. So much so that it is almost possible to say
they have become principles; things that work, over
and over, the same way no matter what happens –
like gravity.However, sadly, they are not really principles, as
several of the real estate investment methods and
techniques that worked in the 1980s and even
through the 1990s are today not as powerful, nor do
they work as often as they did before (although
some ‘gurus’ are still teaching the same methods –
even after 20 years…).Some of this decline is due to a more educated
society (due to the flood of real estate investment
information available via books, tapes, home-study
courses and the Internet), while some of it is due to
simple changes in policies and laws.It seems like a wave started late in 2003, the FHA
announced that flips (transactions where investors
buy houses cheaply and sell them at or near market
rates) are “illegal”. (Note that illegal in this context is
not a legal term, but one that has been adopted
from “you are not allowed to do that and do
business with us”.)The FHAs announcement started a wave of concern
(if not panic) throughout the Real Estate investing
community.Title and Mortgage companies began to tighten up
their reigns. Many of these companies, in lieu of
direct information, began simply not completing any
transactions that did not follow the traditional real
estate investment system. This made it hard for
investors to complete transactions that involved
simple buy-then-resell agreements (as they are not
really real estate investments, but a rather nice way
to make some fast CA$H!).In rapid appreciation areas (California and Nevada,
for example), the ability to flip a property all but
stopped (became ‘illegal’). All the ‘traditional’
creative real estate investing methods were virtually
put on hold.Ingenuity to the rescue, other methods of real
estate investing always seem to pop up. After all,
“Necessity is the Mother of Invention”, and “Where
there is a Will, there is a Way” are absolute
principles.Investors have to make a way to get things done – a
way to keep their real estate investments profitable,
and even more creative real estate investing
methods were developed – to keep real estate
investors, and the love of real estate investment,
alive forever.
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Education and the Complete Individual | Education

Education is something that many have said much about. Most of these are complex or vague. Consider the Greek philosopher Aristotle’s saying that education is ‘an ornament in prosperity’ and ‘a refuge in adversity’. There have been a great many attempts to explain this description, but none have quite succeeded in satisfying my curiosity. Alternatively, this is what the English essayist Joseph Addison has to say on education: What sculpture is to a block of marble, education is to a human soul. This too, has a great many explanations and elaborations. But does it really tell us what education is? Does it tell us why we need education? Not really, since the concept of the soul is, till date, a shadowy area. So how can we begin to comprehend what everyone claims is essential to life nowadays? To put it simply, education is a process of training our mind so that we can apply it in a field of our choice: which is why we have education not as a single seamless entity, but as a whole made up of various divisions: music education, scientific and technological education, art education, even teacher education!Education can be considered similar to picking and eating a fruit. Picking a particular fruit on the tree is akin to choosing a field to get an education of. When we bite into it, we get our first taste of the subject. As we chew on the bitten portion, we begin to understand its various aspects – the tastes, textures, intricacies and complexities of it – and when we are ready to move on to the next portion, we swallow what we have assimilated so far so that it can be used for further application. The tree we get the fruit from is the entire body of past thinkers’ teachings and the voice that tells us which fruit to pick is the interpreter of that knowledge: the teacher.Throughout the lifelong course of education (no, it’s not like school or college which ends after a fixed period of time), we get to know about things that always were, still are and always will be around us, waiting to be recognized and acknowledged. Light plays a central role in education – both literally and metaphorically – for visual inputs are the best learnt and without light – of the sun or electrical – we would be missing out on a whole world of knowledge. In fact, this is where phrases like ‘light of knowledge’, ‘throw light on the matter’, ‘kept in the dark’ and so on came from.You might be thinking, how can we narrow the infinite field of knowledge to select what we will need or want to know? This is where the part on ‘training the mind’ comes in. The mind, as psychology tells us, is the centre of cognitive faculties which enables consciousness, thinking, perception and judgement. It is the kitchen for the information we acquire, where we can season and prepare the bits and pieces of data into comprehensive knowledge. Like any good kitchen, the mind has infinite capabilities (which is often the reason for confusion among us youth when it comes to deciding on a particular field to ‘specialize in’ for higher education) and therefore needs to be trained in order to make this choice clearer as every good chef needs to know what to or not to use for a dish. Unfortunately, the world we live in does not allow us to experiment with our capabilities without being ostracized or reduced to penury. Thus the need for specialization. And thus the need for education.Another obvious question would be: how can we get education? It’s easier to use metaphors and analogies when describing something like this, but a parallel in the real world is sometimes hard to provide. One answer could be a school, college or university. There are also other means to formally get education. Such as home-schooling, distance learning etc. All of these provide us with a forum to exchange knowledge – where we can gain as well as give. This is a guided and restricted form of education, especially in the Indian scenario. It is difficult to find a good school where we can tailor our education according to our needs and interests. Often, we fail to avail of the opportunity even if it is within our reach. Peer pressure, our parents’ and elders’ wants, whims and wishes and societal trends all play a role in influencing us. And this very often has an adverse effect with the student being unable to cope with the contradictory inputs and buckling under the combined pressure. An educational system where students can fulfil their desires and not bow to transient trends is necessary for proper development and realization of one’s full potential. An example of how this can help could be the famous English poet John Keats. Trained to become a doctor, Keats renounced his apothecary’s license to follow his desire, eventually creating a path for himself that no one else has quite been able to match.Education is not just a pathway to money, as is often considered nowadays. The fact that it provides a doorway to affluence is secondary. Education is first and foremost, I believe, a source of joy and pleasure that is also a means of enhancing our capabilities. It is a landing that provides us with infinite doorways to choose to continue into, each leading to a different yet interconnected walk of life (after all, how can we forget that science and philosophy, despite being ‘at odds with one another’ go back beyond human comprehension?).The needs of the human in order to lead a productive and satisfactory life have long been debated. Yet one point stands clear in this debate: along with the basic necessities of food, clothing and shelter, education is extremely necessary, especially in today’s material world. After all, without education, one cannot gain employment and without employment, one cannot fulfil his/her basic needs and is considered a failure by modern society.The knowledge we gain through our guided education is definitely useful for life in the sense that they will be required to succeed in gaining and maintaining employment, a must to be accepted in society. Not having a job is enough to have you labelled lazy, a failure, even weird or odd. And any employer will require you to have a thorough knowledge of your field, which is easily available for the taking through education.Education provides us with an endless canvas. How much of it we put into use is up to us. New fields seem to emerge everyday – parapsychology, particle physics, noetics, to name a few. Although relatively ‘unknown’ or ‘obscure’, these have as much importance as the others we know of. The flood of engineers and accountants that India is facing seems to know no end. Easy money is apparently all people seems to think of. They are becoming flat characters in the play of life: although given names like ‘security of future’, lust for a fat wallet seems to be the only motivation.On the other hand, there are billions of people around the world who want to get an education but are unable to due to poverty, geographical isolation, familial conditions or ignorance. Like the Lady Law, education is blind to the faults or favours of those who take a sip from its pool. The people who are not able to get to its banks because they are dragged back by the brambles of shortcomings – economic, social or cultural – have to endure a life full of superstition, fear, hopelessness, helplessness, poverty and exclusion. The literate but uneducated are considered equal to the illiterate as their life pretty much goes to waste (not everyone is the Old English poet C├Ždmon, after all). We must, however, keep in mind that this ‘education’ is totally career-oriented – a trait that has emerged in the past decades.Let us now consider another angle. So far we talked of the relevance of education in the tangible corporeal world. But, being human beings, the intangible yet equally expansive world of our feelings is equally important. Education plays a major role in helping us find our niche here as well. We humans are inherently social. Even ‘loners’ have at least one person in their confidence. In fact, the more solitary one is, the stronger the bond is with those that person does interact with regularly. Even those who have large friend circles have an inner circle of those who they trust. So, where do these friends come from? Most of our friends and acquaintances come from school, college and our workplace and education is the line connecting these dots to one another. We go to school and college to get an education, as do those who become our friends. We talk about things that we have learnt somewhere down the line: academically, through music, film, news bulletins, books, etc. These, too, are an important part of our education. Academia alone is not enough to make us a complete person. It is definitely important, but our character and personality depends on our education as well. As we grow up, we learn new things and experience various feelings and emotions. Events and situations, too, play a part in education. Growing up, we have quarrelled with our parents. These sometimes go downhill over time and ruin the parent-child relationship. Alternatively, it can also teach us to give people space and motivate us into trying to understand before blindly contradicting. Regardless of that outcome, it teaches us what not to do when we take up the mantle of parenthood. Whether we put it to use is, of course, a completely different question altogether.Besides academic information, schools also impart social education. They teach us, sometimes by pointing out our mistakes, what we should or shouldn’t do in a particular situation. For instance, we learn to stand up and greet a teacher when he/she enters our classroom. We also learn to respect our higher-ups and when to follow instructions without question. This gives us an idea of the norms of society.Education teaches us control. It tells us what is acceptable behaviour in a certain environment and what isn’t. Experience, which is yet another form of education, often also teaches us when to exercise caution and when to be spontaneous. For example, at an informal gathering like a house party, it is acceptable – even expected – to wear casual clothes. Also, we can be freer in expressing ourselves: we can talk over one another, raise our voices etc. In an office party or a similar formal gathering, on the other hand, a certain code of conduct is expected to be followed. A professional front – in both mannerism and appearance – has to be maintained. Formal attire is required and an unruly or unkempt appearance must be avoided. We also learn these things through books, entertainment, word of mouth etc. Education and its imparting is therefore an intimate and implicit part of our social life as well.Education is a major source of mental contentment. There is a simple, innocent pleasure in gaining knowledge. As sentient living beings, we humans are inherently curious. And fulfilling that curiosity paves the way for further questions to be answered, for the thirst for knowledge to become a quest for more. Also, considering the level of competition nowadays, any and every little snippet of information in addition to what our peers know gives us an edge in the rat race of modern life. And success because of that little edge gives us a great deal of satisfaction, joy and pride: the boost to our self-esteem that is essential to our well-being, mental and, thereby, physical.A complete individual is one who leads a wholesome life. He/she has both contentment with his/her material possessions and mental satisfaction in his/her current place in life. The complete individual, hence, is one who has found a balance between the material and immaterial worlds: one who has both access to resources and the means to enjoy them; someone who has both adequate material possessions and happiness in life. And what makes all this possible but education?
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