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Free House Flipping Course

11 Jan

You read it right folks-
Zero Cost House Flipping Course

Every day fortunes in real estate are made all around the country.
There is money to be made in every corner of the country. A simple system is the easiest way and what everyone dreams of.
Well, look no further for the truth.

If you watch tv or search the net you will find about 100 courses that are all considered reasonably priced. I saw one by a guy who ran his own company and even had a tv show and he was only charging $200 for a 3 day seminar.

Let me save everyone $200. To flip houses you first need to become a realtor so that you’re not paying someone 6% every time you sell a house.
Makes sense right? 6% times 8 flips @ an average of $100,000 grand. Adds up quick folks.
Next you need money- and lots of it.
To get these funds you either need perfect credit, or a rich family member. No one will lend you money if you’ve never flipped before. Sad but true facts. Risk vs reward is the formula.
And finally, you need to be in a market in which real estate is very expensive and in which people value their time more than their money. Only then can you gain enough value in the flipping process to make any real money. Locations include NY, Boston, DC, LA, SanFran, etc. Certain states and even counties do not qualify. Real estate prices and the abundance of cheap labor make new construction too affordable in these areas.

Moral of the story:
Know your goal,
Know your area, aka your market,
And make sure you are set up right to make moves.

#thriveorsurvive.

Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
Want a mentor or maybe the guy who will bounce ideas back and forth with you?
Let’s chat-
Tony@Changeinadvance.com
@changeinadvance
http://www.changeinadvance.com
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THE MONSTER IS LOOSED!!!

10 Jan

On behalf of Change In Advance and our partner companies I invite you to come see a new venture we have initiated. Sales to begin soon.

#thriveorsurvive.

See something you like?
Reply to this or
Email me @ tony@changeinadvance.com
Or @changeinadvance

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10 Jan

The Power In Setting Goals

4 Jan

The Power In Setting Goals

Setting Goals is perhaps the single most powerful thing you can do to change your business for the better. And Now. Setting Goals is an immediate process if you choose it to be.

Going with the flow is too easy.
Stop following the status quo. Be an originator. Don’t hang with your friends. Don’t do the bosses laundry all your life.
Set a goal for yourself to be the best. As in expect the most from yourself. When you have large goals, medium goals, and small
goals you have established you end up with a framework for greatness. This let’s you reach a higher caliber exponentially. It isn’t always about having easy and hard tasks. Its the aforementioned framework you have created that will catapult you to greatness.
So when friends and coworkers have a plan that involves fun, or goofing off- say bye. Don’t be a jerk- by all means be well mannered- but the time management set into the framework (see how key it is?) of your goals must be followed.

Stop Making Excuses and Start Making Decisions.
Every day of your life you make decisions- what paths you take truly are up to you. When you decide to be nothing you are nothing. When you decide to stop your current modus operandi and move towards success- guess what happens?
YOU BECOME SUCCESFUL.
Every action has a reaction so if you don’t choose to control the former you run the risk of being at the mercy of the latter.
While being incredibly fair and equal most people don’t see it that way. They blame the company, the wife, the weather. Anything. However I can attest to this-
As long as I work harder I earn harder.
As long as I put my business first it grows first.
A key correlation: when I don’t blog consistently- I lose major traffic. Now for my secondary blog its about quality content. I will miss many days without question. But it becomes irrelevant. With this blog I have to hit hard and often. People come to me for answers and I in turn provide said answers or go get them. That is the decision I made. And it has paid off grandly.
What decisions are you making?
What will you give up to be great?
What trade off is worth true greatness?
Only you know.
Be great.

Remember every goal….
Every goal costs you something. Even freedom isn’t free. The price you pay is letting go of who you are to be who you imagine. To accomplish a goal the first thing you must. sacrifice is your right to make excuses. I keep learning that when you want something bad enough, you’ll find a way and when you don’t you’ll find an excuse.

#thriveorsurvive.

“Whoever renders service to many puts himself in line for greatness – great wealth, great return, great satisfaction, great reputation, and great joy.” -Jim Rohn

Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
Want a mentor or maybe the guy who will bounce ideas back and forth with you?
Let’s chat-
Tony@Changeinadvance.com
@changeinadvance
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31 Dec

changeinadvance's avatarChangeinadvance

BRUCE LEE: DEFINITE CHEIF AIM.

 

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We’re Going Over the Cliff, Ready?

28 Dec

We’re Going Over the Cliff, Ready?

So the Great Recession is on and by most accounts raging.
What’s next. Some say food shortages. I’m not sure but I know we all need a plan.
Are you ready?

Step 1: Take a fiscal inventory.
Everyone needs to know where they are at.
Get out a pen and a pad and write out all the debt you have and add it all up.
Next see what you make. Look at your last stub for the year and see what you made after taxes for that pay period and the year as a whole.
Your next step is to see what you spend on living expenses. Don’t include your discretionary spending. List that separately.
Once you have all these numbers worked out sit back and look at them. See if you are being foolish or fiscally fervent aka spending correctly. I’m not saying don’t have fun, just budget it in. Don’t be that guy we all know who spends all that’s left after paying his bills and saving that paltry 25 bucks a month. The odds are if you’re that guy you probably transfer that money back to your checking the day after the bank transfers it. Sounds slick to the spender, sounds like slavery to the fiscally efficient.

You have to make a choice. Decide where your values and dreams lie.
Money isn’t everything but poverty sucks. More to the point security is a better feeling and longer lasting. Anyone reading this blog on a smartphone has disposable income. The question I ask you is why dispose of it?

Step 2: Invest, save, or make more.
If you haven’t wandered away yet you probably have found at least a kernel of truth in my words. As someone who was quite the fiduciary fool in days not too far past I learned my lesson the hard way. If I could impart any wisdom it would simply be have a strategy. Let your money make money. And a favorite quote many haven’t heard: Pay you first.. Every dollar should be viewed as a soldier to get you ahead not a party animal to get you a good time with. You can easily invest in something. Not sure? Get an advisor- but do your homework. Many will have you invest in what pays them the greater commission. I personally use forms of life insurance and physical silver currently as my vehicles to grow my wealth. For me it works. For you it may not. But the silver I collect, especially the numsimatic coins, are pretty cool. These graded, sealed .999 silver coins look good and appreciate well. They are my favorite. Junk silver is pretty cool as well but we will get into that in a later article.
Next I say save a few bucks in saving. Start at 3% of every checks take home. It isn’t much but it will work. Look into what tax advantageous plans your job may offer or even your state.
When else else fails, and when it all works-
WORK MORE. there is no harm in earning extra cash. Blog for money, work security, anything. Heck see if you can work at The Gap. I worked there on and off for years and I not only got a good check and good hours I augmented my wardrobe and saved a lot on gifts for others.
Find the mode that fits you but be ready for the fiscal cliff. Even if I’m wrong deflation or inflation are on the horizons. And let’s say I’m wrong across the board- isn’t more money going to benefit you in the long run?
Heck it’ll benefit all of us today.

#thriveorsurvive.

“Every problem has in it the seeds of its own solution. If you don’t have any problems, you don’t get any seeds.” ~ Norman Vincent Peale

“Really great people make you feel that you, too, can become great.” ~ Mark Twain

Life is like a photography, we develop from the negatives.

Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
Want a mentor or maybe the guy who will bounce ideas back and forth with you?
Let’s chat-
Tony@Changeinadvance.com
@changeinadvance
http://www.changeinadvance.com
Or simply reply to this article.

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Mistakes, and Success

24 Dec

Habits, Mistakes, and Success

You can never make the same mistake twice.. because the second time you make it…. it’s not a mistake..it’s a choice….
-Quoted from Tony toca aka Djchamp the circuit troublemaker da voice of nj

Tonight I’ll be brief.
Life is a serious of decisions. And ultimately those decisions will make or break you.
Not trying to build the blog by heightening. importance but look around folks- one decision can change your life.

Mistakes
We all make them. We’re human. Normal right? Yes and no. There is no reason to make continuous mistakes a perfection will say. However I disagree. Mistakes are teachable moments; they are lessons learned. Everyone learns by making mistakes. Ever see a baby walk? They fall and fall and fall. Its the way they get it right. Do we really change that much folks?
nope.. While I aim for success and set high goals for myself and my business I know that I will stumble. I know I will learn and grow.

I also take stock of these mistakes and periodically list them so I can see if I’m making the same mistakes over and over. I’d highly suggest everyone does this. Its in essence an accountability list. Let this list of mistakes hold you to a relentless pursuit of greatness. It is never acceptable to fail continuously. It is however acceptable to make a plan and a methodology to move beyond problems. If you have read my previous articles then you know I’m a big fan of lists. I make a weekly to do list and often write out daily ones and even email myself other lists that are shorter.
These lists WORK. And in turn they will work even better for you when you put aside fear and face your shortcomings and mistakes. Another way to utilize these lists and make sure that you maximize your mistakes is to use an accountability buddy as well (another favorite tactic of mine).
Let someone see the lists you make.
Let someone know you want to succeed, you will slip up at times, and that failure is not an option.

It is my sincere belief that success is imminent when you battle mistakes head on. I’m not suggesting you are a fool. Or that you can’t do it. What I am suggesting you do is be proactive in utilizing every moment of your journey to be even greater. Mistakes are here to stay,no question about it- so why not make them a partner as opposed to an enemy?

#thriveorsurvive.

Luck never made a man wise.  ~Seneca, Letters to Lucilius

Luck is when opportunity knocks and you answer.  ~Author Unknown

I am a great believer in luck. The harder I work, the more of it I seem to have. ~Coleman Cox

Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
Want a mentor or maybe the guy who will bounce ideas back and forth with you?
Let’s chat-
Tony@Changeinadvance.com
@changeinadvance
http://www.changeinadvance.com
Or simply reply to this article.

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You wanna be Rich, or Build Wealth

15 Dec

You wanna Be Rich, or Build Wealth?

Its an easy question. However most people don’t ask it of themselves.
Do you want to be rich, or are you building wealth? You see there is a huge difference between wanting and action.
There’s a few ways to get there. Let’s list them and discuss my favorite(s).

Save.
This is a tried and true method. Every financial planner, adviser, Buffet, or Orman will advise it as a foundation building move or the only move you need. It works. No question. Every dollar you take home should have a portion set aside just for this purpose. 20% should be the goal. In real life that’s a high dollar value for most folks. Start with 5%. If you can’t start with 1%. That’s doable for anyone who is reading this blog on a smartphone, laptop, tablet, or work pc. After you see the ease of saving a percent raise it up to 2%. Then 3% and so on and so on. Its an easy way to get yourself into the savings game.
Just remember that these funds are not to be dipped into. Not for beer, not for friends, not for Christmas.

Build a system.
Want wealth? Want to surpass simple riches and be truly, independently wealthy? There is a key concept to do that for you.
Build a System, that’s it. It doesn’t have to be mlm. It can be a franchise or an online presence based on your favorite hobbies. You may start an llc or get on Kickstarter and get some cloud funding for your favorite concepts you’ve been kicking around in your head. In any case your goal is to build a system. Have a plan. A written one. Have a guideline. Know the costs, revenue projections, long term needs and goals. Everything. Then put that all into a system and make it work. Sweat equity will take you the rest of the way for any dream. If you use an mlm model or direct marketing system that’s cool too. They work. They create millionaires daily. However a system must be implemented no matter what you choose. Systems, are akin to practice-they lead to perfection. When you work the system it works. Cliche sounding but eerily factual.

Pay less taxes.
This will make you infinitely wealthy. When you pay less taxes at any income level you are winning. Billionaire Warren Buffet pays less in taxes than I do by about 20%. Pretty sweet right? Oh, you think that’s unfair, you are entitled to that opinion but until the system changes wouldn’t you rather pay less taxes. Assuming you make 40,000 dollars a year and are taxed at 25% you lose 10,000 dollars right there alone. Then your fica, et al(those pesky deductions) takes a chunk too. However if you could lower your taxable income then you would pay less on all of these. One way to do so is to use tax deferred or pre-tax strategies. My employer offers pre-tax deductions for retirement, metrocards for public transportation, and medical expenses. Essentially you are putting aside, or saving (hint hint) beforehand which the government applauds and rewards. If not seek financial counsel. IRA’s, physical wealth, gold and silver will all be viable options to supplement your 40wk et al and possibly reduce your taxes.
Or start a home based business and garner all those tax deductions and itemized breaks Uncle Sam allots for. Remember its not cheating when the government has created a system to account for all these matters. Work with the government not against it. at the very least you will have more coin in your pocket legally and over the long term you will be wealthy and a lesser drain on the economy, government, and your fellow man.

DO.
This is the heart of it all. A good system, a great dream, even a winning team all mean nothing if you don’t DO.
Factual and concise, without effort you attain nothing in life. I don’t care if you hate Bonds and the steroid users (no implication of guilt, just trying to frame my ideas- sorry professional athletes.)- if they still didn’t work beyond their abilities to get to the top they wouldn’t be the best. Being the best means you work. HARDER. Being the best means you work when the other guy sleeps. You practice after you win the gold- Same night. Those who DO get wealthy. They aren’t just rich. Riches are fleeting and not guaranteed. A lot of people strike it rich off the lottery only to be dead broke, heavily in debt, or plain old dead. The wealthy stay wealthy.
A side note- wealth is also fulfilling your dreams. Not just having zeros in your bank account.

Disclaimer: All advice in this blog, whether fiduciary or otherwise is opinion unless otherwise noted. Seek licensed, and or certified advisers before making your decisions.

#thriveorsurvive.

“Happy are those who dream dreams and are ready to pay the price to make them come true.”~ Leon J. Suenes

Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
Want a mentor or maybe the guy who will bounce ideas back and forth with you?
Let’s chat-
Tony@Changeinadvance.com
@changeinadvance
http://www.changeinadvance.com
Or simply reply to this article.

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Who is subsidizing whom?

11 Dec

Who is subsidizing whom?.

Not to say I agree or disagree but lets look at someone else’s perception.

Can’t hurt right?

Who is subsidizing whom?

March 15, 2012 | Posted by Ken Cohen

In its lead editorial yesterday, The Wall Street Journal took a hard look into the Obama administration’s campaign to end so-called “subsidies for Big Oil.” The paper’s conclusion turns the administration’s claims on its head: “The truth is that this industry is subsidizing the government.”

This is the flip side of the coin that few realize – the oil and natural gas industry is an enormous source of revenue for the U.S. government. In fact, the industry pays the federal government approximately $86 million a day – or about $31 billion a year – in rents, royalties, bonuses and corporate taxes. That doesn’t even include the payments made at the local and state levels.

At times, the industry is actually sending more to local, state and federal governments in taxes and fees than what it earns in the United States. According to the Journal:

“Not paying their ‘fair share’? Here’s a staggering fact: The Tax Foundation estimates that, between 1981 and 2008, oil and gas companies sent more dollars to Washington and the state capitols than they earned in profits for shareholders.”

And, keep in mind, the taxes the oil and gas industry pays are only part of a much larger contribution to the U.S. economy. Our industry and the activities that support it accounted for more than $1 trillion of the U.S. economy in 2009, or about 7.7 percent of U.S. gross domestic product, according to a recent study. The industry contributes an estimated $470 billion a year in spending, wages and dividends alone.

So what about those “subsidies” that oil and gas companies supposedly get?

“These aren’t direct cash handouts like those that go to the green lobby,” the Journal says. “They’re deductions from taxes that cover the cost of doing business and earning income to tax in the first place. Most of them are available to other manufacturers.”

I’ve talked at length on this issue, but it bears repeating – attempts to misrepresent the industry’s tax contributions are nothing more than an attempt to pick winners and losers in the marketplace. The fact is that taxpayers would benefit far more from the revenues associated with increased access to U.S. energy supplies than they would from punitive tax measures aimed at oil companies. Policies that support greater energy development could generate $800 billion in government revenue by 2030 through lease sales, royalties, production fees and taxes, according to a recent study.

So when taxpayers see these claims about “subsidizing” oil companies, I think it’s valid to ask: “Who is subsidizing whom?”

 

#thriveorsurvive.

Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
Want a mentor or maybe the guy who will bounce ideas back and forth with you?
Let’s chat-
Tony@Changeinadvance.com
@changeinadvance
http://www.changeinadvance.com
Or simply reply to this article.

 

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