Three Big Opportunities In the Next 6-18 Months

Three Big Opportunities In the Next 6-18 Months

Hi Everyone,

I hope your week is going well. It's been a bit rainy in Virginia the past few days, which was a nice change of pace. Heather and I even took our dog Blue for a run in the woods the other day in the rain. It was very refreshing!

Today I want to do something a bit dangerous, which is to go out on a limb and talk about three MAJOR market trends that will lead to some big investment opportunities that I am seeing coming in the next 6-18 months.

It's always risky to do that because the world is always so quick to say "I told you so" if you're wrong, but I'm going to do it anyway because for some of you it might just make a BIG difference in your investing returns.

Now I'm going to have to be fairly brief in this letter, but I've recorded and posted a special audio workshop going into great detail about these three market trends, why they are happening, and most importantly, how you can position yourself to take full advantage of the opportunities on the membership site for Maui Mastermind Online. (Keep reading for the links and for instructions for those of you who are not yet members to follow to get immediate access to the site as a free 30-day trial membership.)

Market Trend One: A continuing wave of foreclosures coming over the next 24 months.

One of the best things about real estate compared to most investments is the relative slow pace at which things change. For the savvy investor, you have several months or longer to anticipate and prepare to take advantage of a coming trend.

Well this is one of those times. We're seeing the middle part of the foreclosure curve and it only is going to get more pronounced over the next 12-24 months before it starts to get better. This is partly driven by the huge wave of adjustable rate mortgages (ARM's) that come into the market in 2005 and 2006, especially "Option ARM's", which are a hybrid adjustable rate mortgage where the borrower can actually pay less than the full payment each month (meaning that these loans actually get bigger each month, which is why they are sometimes called "negative amortization loans".)

If you want to learn the full picture as to why these "option ARM's" were pushed so strongly by mortgage companies, and how a little-known accounting trick was one of the triggers for the whole sub-prime mess we're watching, just CLICK HERE.

Over the next 12-24 months as these option ARM's start to have massive rate escalations--often as high as 3-4 percentage point increases--more and more shaky borrowers are defaulting. (For my investing suggestions to capitalize on these incredible converging market forces, just CLICK HERE and go to the members page of Maui Mastermind Online members site for my latest workshop. If you're not yet a member, click here for a 30-day trial membership for free.)

Now you can understand why investing in foreclosures is going to be one of the most lucrative areas of real estate for single family investors. If, and this is a big if, if you have developed the skills and knowledge base to take advantage of the opportunity.

This brings us to the next major market trend...

Market Trend Two: Because of the uncertainty in the financial markets, it's fairly tough for many borrowers to actually get the financing they need to purchase a home. This impacts sellers (they can't find buyers), and this impacts buyers (they have trouble getting the money they need at rates they can afford), and best of all this trend is only temporary!

And this also affects investors.

For several reasons I think that this "scarcity" of loans for so many buyers will be a short-lived phenomenon. In fact, I think that over the next 6-9 months things will settle down to much more of an equilibrium point with the financial markets as it relates to residential loans. I think it's pretty certain that the pendulum will swing to the side of tighter underwriting requirements for new loans, but there will be plenty of money available to borrow.

This means that we have a reinforcing trend that's happening right now--the lack of loans for buyers has hurt real estate values. This trend reinforces the above "opportunity one" I spoke about earlier. But, and this is a mighty BIG but, this second trend is a temporary one that will get progressively less and less tight.

This shift (strong value dip in residential real estate) will be lessoned when money becomes a little less scared and a little more organized and careful, over the next 6-9 months, which will be a positive force on housing values soon thereafter. (For those of you who want to understand the deeper relationships that drive this second trend, CLICK HERE and listen to the audio workshop I recorded on this subject.)

The third trend...

Market Trend Three: The real estate market responds in with a "lag" of 6-18 months, giving the savvy invest plenty of chances to "cherry pick" great deals.

With the short term tightening of the financial markets, that means that many sellers can't easily find buyers for their properties. This temporarily hurts the value of their properties. I say temporarily because once the lending world swings back (although I still anticipate that lending requirements will be tougher than they were 6-12 months ago), the values will start to climb.

If you're smart, and that means you buy following sound fundamentals and have a cushion to ride out the sluggish market, over the next 12-18 months you'll have lots of opportunities to buy some real bargains.

In fact, if you sharpen up your creative buying strategies like lease options and buying subject to the existing financing, you just might pick up several deals with little or no money down, and with your risk intelligently hedged.

It's an interesting fact that real estate markets have "memories". What I mean is that even after the market turns, there is often a lag of 6-12 months or longer, when sellers still are acting as if they are in the midst of a famine. I watched this happen on the east coast before this last run up in properties; I watched this happen in southern California in the mid-90's; and I'm predicting the same thing will happen again this time.

Again, however, I want to stress the need to be smart about how you take advantage of this opening.

The good news is that you have a little time to learn more. I recommend that if you don't have a solid investing background (and you have chosen residential real estate as your wealth vehicle) that you invest the next 6-12 months to get that education.

There you have a brief overview of these three market trends that I think will make some savvy investors a TON of money.

For the full and detailed workshop on these three trends and how to best capitalize on them CLICK HERE. I recorded a 40 minute workshop on this including what I think the newest twist on short sales is going to look like (and the opportunities are huge for investors who step up to the table.)

If you're not yet a member of Maui Mastermind Online, click here for a free 30-day membership. I'm guessing that you'll love it so much that you'll continue to stay a member for many years at just $9.97 a month billed to your credit card. You can cancel at any time. You've got nothing to lose and so much to gain. Join now!

Sign Up Now and Get a FREE $495 Downloadable Home Study Course!

This powerful online home study course includes eight (8) powerful modules:

Wealth Secrets from Maui Mastermind?-The World's Most Exclusive Wealth Retreat? (4 Classes)
Financial Fluency Starter Kit! (3 Classes)
The 5 Keys to Building a Level Three Business! (2 Classes)
Preemptive Tax Strategy? Increase Your Cash Flow by Radically Reducing Your Tax Bill! (2 Classes)
Investing Secrets to Profitably Invest in Real Estate! (5 Classes)
Introduction to Time Mastery--How to Break Free of the Time and Effort Economy! (2 Classes) Negotiation Strategies to Close the Deal! (3 Classes)
The Greatest Wealth Secret Ever Discovered! (2 Classes)

That's over 16 hours of powerful wealth training you can download or watch over the web!
And the past part is that even if you decide to cancel (which I can't imagine you will when you watch, read, and listen to all the great how to, cutting edge information on the member site) you get to keep the course as my free gift to you for giving membership a good faith go!

You have nothing to lose and so much to gain so I hope you give it a try. Click here to register now!

I hope you enjoyed what you learned and that I sparked some deep thinking on your part.

My best to you,

David Finkel

P.S. We still have 34 spaces available for that free 90-minute tele-class on Thursday,
September 20th at:

5pm Pacific
6pm Mountain
7pm Central
8pm Eastern

The tele-class is titled "The Seven Bottom Lines of Investing for Maximum Passive Income" and is available this one-time-only for the first 250 registrants. There are currently 34 spots open and they will be going fast so if you are interesting in learning how to increase your passive income make sure you REGISTER NOW!

The call will not be repeated so if you want to attend, make sure you register while there is still room! Click Here to register.

7 Bottom-lines to Increasing Your Passive Income‏

Hi Everybody,

Last week I taught a special conference call for Maui MastermindTM Online members that talked about the three biggest mistakes that people make when they are chasing after passive income.

The call was a HUGE hit. (If you are a member, just go to the membership site and you can listen to the entire recording of that call. For those of you who want to get a free 30-day trial membership and listen to that call, just click here. I'm betting that you'll love it so much that you'll stay a member at just $9.97 per month after your trial membership has ended.)

This got me to thinking, wouldn't it be incredibly valuable to do a special call where rather than talking about the biggest mistakes that I see people make when investing their net worth for passive income, instead I share the "bottom line" steps you need to follow to increase your passive income.

After all, it's one thing to learn from the major mistakes I've seen people make - mistakes that have cost them thousands of dollars in lost profits and even more painful, lost principle-- but it's even more powerful to focus on the things that work to boost returns and safeguard principle.

I watch so many people follow poor advice and go down blind alleys in their sincere search to create better passive returns on their investments. They just didn't know how to go about doing it. It doesn't need to be that way. When you really understand a few basic guiding principles, you are able to make such smarter, more profitable decisions--consistently.

I've been focused on this subject over the past few years. Part of this focus comes out of my managing my and Heather's investment portfolio. But what really drives me in this area is my love of distilling and teaching the best of what I learn with clients like you.

In fact, I've been obsessed with this subject for the past six months as I've been designing a brand new workshop called, "Wealth Vehicles" that I will be teaching one time only this October. (If you want to learn more about this one-time-only workshop and register, CLICK HERE.)

Now while it would take me several days to fully cover the subject of how to most effectively and profitably invest your entire net worth strategically across a portfolio of investments for passive and passive residual profits (which is why I have created the Wealth Vehicles workshop), I set myself a massive challenge...

"How can I share the 7 "bottom-lines" of effectively, reliably, and profitably investing your net worth for passive income in one 90 minute session?"

The more I started thinking about this the more excited I got about the idea. It's my deepest passion to share strategies, techniques, and ideas that empower you to grow your wealth. What better way could there be than to share the lessons it's taken me a decade to learn through painful trial and error on how to maximize my passive income through my investing!

So that's exactly what I'm planning on doing and I'd like to give you this personal invitation to join me for this session as my FREE guest. (Yep, as long as you're willing to listen with an open mind and take action on what you're learning, I'm willing to let you join me for free!)

Join me for a special conference call class called, "The Seven Bottom Lines of Investing for Maximum Passive Income".

The call is free, but the number of spots in the class are strictly limited (more on this in a moment.)

The 90-minute tele-class is scheduled for Thursday, September 20th, 2007 at:

5pm Pacific
6pm Mountain
7pm Central
8pm Eastern

There are two conditions to this.

Condition One: The conference line currently can only handle 249 people (actually it has room for 250 people, but I needed to save one space for me on the line!) This means that you are going to have to register for the call (again it's free) on a first come, first serve basis. When those 249 spaces are gone, that's it. There will be NO make up time for this call (I will be recording it to post on the Maui Mastermind Online membership site, but that is for members only.)

I don't want you to miss out and since this invitation went out to a lot of people (currently close to 90,000 people read this weekly eLetter) hurry up and register right away. CLICK HERE to register.

Condition Two: This tele-class is for serious wealth builders only! If you are only "curious", and aren't deeply committed to creating financial success and freedom for you and your family, please don't take up one of the limited spaces.

This call is for people who will actually USE the information and strategies I'm going to share with you to increase your passive income. If you join the call that means you are agreeing that you're someone who is a doer, who will take action on the ideas you learn.

Those are the only conditions. I hope you will choose to join me for the call. I promise that if you're serious about the subject you'll profit immensely from the ideas I'll cover.

Again, to register for the call CLICK HERE. If you act fast enough to get one of the 299 spots then after you register online, you'll be immediately taken to a webpage that lists the call-in number and PIN code for this tele-class. In addition, there will be a "reminder" record of the call-in information in your client history on mauimillionaires.com which you can access by going to "your account" in the top right hand corner of mauimillionaires.com . Once there, simply click on the "order history" button and you'll see the free tele-class listed there. When you click on this class it will again show you the private call-in number and PIN code for this 90 minute tele-class.

That's it for today, later in the week I'll have another eLetter for you on my take on three huge opportunities that I see for investors in the coming 6-18 months. Look for that eLetter on Thursday night or Friday.

I hope you have a great week ahead of you!

My best to you,

David

P.S. To register for that free 90-minute tele-class on September 20th called, "The Seven Bottom Lines of Investing for Maximum Passive Income" just CLICK HERE!

P.P.S. Feel free to forward this eLetter on to your friends or associates if they are interested in joining us for the class, provided they register while there are open spaces for the call left.

Wealth Tips from the Guy Who Literally Wrote the Book‏

Hi Everybody,

I have a very special eLetter for you today that shares some of the interesting details from an amazing phone conversation I had with best-selling author and wealth strategist Stuart Lucas.

Stuart is not only the author of the best-selling book, Wealth, (which I've literally recommended to several thousand people over the past 18 months and strongly recommend to you), but he is also someone who comes from a very unique background in terms of wealth, and his Wealth Operating SystemTM (WOS). You see, Stuart is a member of America's wealthiest families. He is a fourth generation to E.A. Stuart, the founder of Carnation (maker of Carnation Evaporated Milk and Coffee-Mate Non-Dairy Creamer) which the family sold to Nestle in 1985 for over a billion dollars.

I want to share with you some of the highlights of that unique conversation so that you can use these ideas on wealth to reach your own financial goals.

For those of you who are Maui Mastermind Online members, CLICK HERE to listen in to the recording of the entire phone conversation.

For those of you who are not members yet, but want to get a free 30-day trial membership and then access the full conversation, just CLICK HERE.

Even for the Wealthy, Talking about Money with Your Family Can Still Be Taboo
Money is an emotionalized subject in our society, even for the wealthy. When of the first things Stuart and I talked about was an experience he described in the introduction to his book, Wealth.

He was watching how his family was spending down their wealth faster than it was being replenished. This was in part due to the frictional costs involved with managing your wealth (advisor fees, brokerage commissions, etc); in part due to the drain of taxes and inflation; and also due to the growth of his extended family with each successive generation.

It was an important family value for Stuart to pass on the same benefits that he had received to later generations.

But unless they did something different, the family fortune would dissipate over time.

So he did something very scary--he organized a family meeting to talk about money. You can read about that meeting in his book (it will surprise you) but the thing I want to highlight is how scary and intimidating calling for this meeting was.

Imagine, even in one of America's wealthiest families money still can be so difficult to talk about openly. Remember, your WOS impacts you in many ways, and your comfort and facility with talking about money is one of them.

Don't duck the tough conversations. Talk with your family (especially your spouse or partner) and decide together on what matters most to you.

You Can't Manage Your Wealth In Isolation

I think one of the things that really struck me when we talked was something that I first read about in his book, Wealth. Namely that managing your wealth is not something you can do in isolation from other parts of your life.

Your values, your goals, your timeline, your current financial status, your tax situation, and your spending habits all have to work together in a coordinated, strategic manner.

And the first place to start with is with your financial values. This drives the conversation.

To talk about your investments in isolation from your values and these other considerations is a recipe for disaster.

The Fallacy of "Beating the Market"

Have you ever dreamed of picking the perfect fund or the hottest stock and riding it to the top? I talked about this with Stuart (who is exceptionally experienced with creating investment strategies that outperform the market) and it was interesting to note how similar we stood on this.

For the average person it is almost impossible for them to count on being able to beat the market over the long haul. With hundreds of thousands of full time financial money managers out there looking for any advantage they can get, any new information is quickly priced into the market. The bottom line? For the average investor, they are better off using a passive strategy of indexing a section of the market (e.g. the S & P 500, Dow Jones Industrial Average, etc.) versus looking for the next hot fund or security.

If you are going to choose the aggressive approach of beating the market, then you're going to have to pay your dues of time and energy to develop the advantages to let you do that.

Quite frankly the average investor in publicly traded securities will never be able to do this, hence why the indexing strategy is best for them. This is even more true when you factor in the frictional costs of transaction fees and taxes with an actively traded portfolio.

Now I've just given you a taste of what Stuart and I spent a full half-hour talking about. Again, for those of you who are Maui Mastermind Online members, CLICK HERE to listen in to the recording of the entire phone conversation.

For those of you who are not members yet, but want to get a free 30-day trial membership and then access the full conversation, just CLICK HERE.

Also, buy and read his book, Wealth. It's a fantastic book on the subject especially for those of you who are committed to reaching Level Three in your life.

I have a few "announcements" to share with you and then this eLetter will come to a close.

Announcement One: The midnight September 5th deadline is fast approaching.

For those of you who still want to take me up on my special offer to attend the Mini-Maui event AND Financial Fluency workshop this September in Atlanta you need to register now!
The special $797 price for BOTH workshops is only good through midnight Wednesday September 5th. After that the price is going up to $1,497!
So register now! Click here to register or get more information. Or call our office at toll-free 1-888-889-0944.

Announcement Two: Diane and my newest book, The Maui Millionaires for Business, is scheduled to be released and out in bookstores by October 12th. I'll have more information about the book, including a free "sneak peek" of several chapters for you later next month. Just wanted to keep you posted. Of course, for those of you who want to get the first copy off the press, you can always pre-order now!

That's it for the announcements.

I hope you had a great Labor Day weekend.

My very best to you,

David

P.S. If you enjoy getting my regular eLetters on building wealth, investing, and financial fluency, then why not pass along the ideas to a friend? Please feel free to forward this email to a friend or tell them to get any of the free eBooks or wealth resources at our website www.mauimillionaires.com . They'll automatically get my once or twice weekly eLetter.

P.P.S. Better yet, tell them about the upcoming Mini Maui event. They'll learn crucial wealth skills and their $500 tuition (or $500 of the $797 if they take me up on the package offer before it expires at midnight on the 5th) will go to benefit up to 25 different charities. Click here for more information on these events. Or call our office to register at toll-free 1-888-889-0944.