5 comments about The Love Languages of God.

1. An excellent resouce for discovering your child's motiovational code. I would highly recommend it to any parent or grandparent who is passionate about the emotional and social development of their child.



2. Chapman starts off saying the book is not meant to be a religious book, so I believe some of the comments are unfair. Some readers may have gone in with expectations too high. I do think the book starts off great and then in the last few chapters gets a bit boring. I found myself skimming the last few chapters. I do feel that Chapman is effective in describing how different people express their love for God differently, but that doesn't mean someone loves God more or less because their expression is different from yours. He also was effective in showing that even though God speaks all five love languages fluently, you hear Him most in your primary love language. In my personal life, I find that God responds to my prayers most in my primary language. He also used biblical examples to show how different people worshipped God different (e.g., Martha and Mary) and how God used the five love languages to speak to us through His word. Good read and I think it will make you appreciate the differences in the body of Christ more.



3. The Love Languages of God: How to Feel and Reflect Divine Love (Chapman, Gary) Truly an inspiring book, who knew there was different ways of showing love for God and also receiving.



4. This book is a must read for anyone who enjoyed Dr. Chapman's The Five Love Languages book. It goes in depth with different stories about how God speaks to us through our love languages. It made me look at my experiences in life and I see how it is God speaking His love for me in a HUGE way. I recommend this to anyone who wants to be amazed at God's love and how personal He is. It is a great gift too!



5. This was a great read! I originally purchased the book because of a book club at my church. This was our first book reading and we all enjoyed reading it. When we came together to talk about it, we realized how much we all loved GOD but we just showed it in a different way.
   It also helped us to be open to how others worship. I've been talking about this book ever since! GOD's love is the first love,and it dictates how we love others...

5 comments about Understanding Wall Street, Fourth Edition.

1. The first time I read this book was 20 years ago and was impressed with its thoroughness and ease in understanding. I teach at a junior college and offered the students an opportunity to learn a little more about investing that was not covered in their text. This book was complete enough to cover most of the topics and condensed enough for them to read considering their limited free time.



2. I had hoped this would be a clearly written and interesting explanation of the general workings of the stock market for someone who has never really understood it. But it goes into far too much detail, defining every little term and process. Maybe it's just a subject that cannot be made interesting or relatively simple, but in any case, this book does not accomplish those things.



3. Jeffrey Little and Lucien Rhodes' treatise "Understanding Wall Street" is a very valuable guide for the neophyte desiring the critical knowledge of how the financial nerve center of North America operates.
   
   Rich with historical insight, this guide details the origins and subsequent transformation of some of the world's most prominent stock exchanges located on the street synonymous with wealth and power: Wall Street.
   
   To that end the guide is easily readable and understandable. Complete with examples, explanations, and a comprehensive glossary I found the guide to complete and fill a hole in the much needed understanding of the financial facet of comparative government and civic theory studies.
   
   I rate the text at five stars for providing a lot of information at only 300 pages. This review refers to the 2004 Fourth Edition.



4. In the late 80's, as a neophyte investor, I picked up more than I imagined I would from Understanding Wall Street.
   
   In the late 90's, as an industry professional, I frequently turned through the pages of my tattered old 3rd edition for a great review from time to time.
   
   Today, as an adjunct professor, I am still amazed at the book's scope and ease of understanding. And, I find myself recommending Understanding Wall Street before, during, and after it's apparent that 50lb text books don't always carry their weight.
   
   If you have the slightest desire to learn about the world of investing, Understanding Wall Street just may be your best initial investment.



5. Understanding Wall Stret (most recent paperback edition) is an excellent book. Shipment arrived in time as promised and in perfect condition. I am completely satisfied with how this order was handled.

5 comments about Missed Fortune 101: A Starter Kit to Becoming a Millionaire.

1. Add this to the list of books that explain how you can get rich in a fantasy world. Look folks, if it was easy everyone would be doing it. You'll get rich faster by putting the money you would spend on this book into a saving account.



2. Dough Andrew has many ideas that seem to go against traditional ideas of investment. But once you read his book it seems like common since and you wonder why no one has presented these ideas before.
   
   Very respectfully,
   
   Marty Burbank, JD, LLM(tax)



3. I have read both of the MF101 books and find that they do not fully disclose the potential pitfalls of equity harvesting. I believe as a mortgage planner, it is my duty to introduce my clients to the concept of equity harvesting; however, under full disclosure. Equity harvesting can be a powerful wealth building tool, but before implementing equity harvesting, one must be aware of the pros and cons. I believe many advisors unknowingly may be opening themselves up to potential lawsuits by not fully disclosing the potential downsides to equity harvesting.
   
   
   MF101 seems too much like a salse book created to sell life insurance products. Missed Fortune 101 implies that someone would be an idiot if they did not refinance their home and invest it in life insurance contracts. Can equity harvesting be a viable option for wealth building? Absolutely. However, the fact is that equity harvesting is not for everyone; therefore focusing on becoming debt-free, including paying your mortgage off early, is often times for many, the best course of action to take.
   
   MF101 is nebulous in many of the concepts, and does not give full disclosure.



4. Horrible, awful advice from an insurance pitch-man. He conducts these "seminars" around the country where insurance agents and mortgage brokers are invited, and they are encouraged to bring potential clients so that the missed fortune people can make money, insurance agents can generate giant commissions on worthless products, and mortgage brokers can write up re-fi loans.
   
   There is NO SUCH THING as "investment-grade life insurance." It's a made-up term. My sandwich I had had for lunch is "investment grade." What does that mean? Nothing. People who don't know any better are suckered into this scam by a huckster who is making money from this book and the seminars.
   
   Do NOT be fooled by this scam. Don't buy the book, and certainly don't buy the "advice." This author is clueless.



5. Please don't waste your time, effort and money on this idea!!!! Been there done that, trust me you will be sorry. Check out the insurance policies on google first, these are not investments at all, just a way to give all your money to the insurance company. They say there liquid, safe, & guarantee your principle will be safe. Don't buy it, what they don't tell you is all the fees and commissions and taxes up front, kill any chance of you coming out ahead, even after years!!!!! & Years, you do the math, it doesn't add up, isn't true, and should be outlawed soon before someone gets really mad!!!!!!!!!! What ever you do don't take a second mortgage on your home and also put that in jeapardy. Basically you will be living in a nightmere state. That's where we're at now. Trying to get out of it!!!!!!!!!!!!! PS the Missed Fortune will be yours and the insurance company will then have it. Please don't waste your time!!! sincerely Teresa I had to give one star on the review because it won't accept none. Sorry! for that!!

5 comments about Take on the Street: What Wall Street and Corporate America Don't Want You to Know and How You Can Fight Back.

1. Arthur Levitt's "Take on the Street" is a worthwhile read for both those familiar and unfamiliar with the inner workings of investment banks, "numbers games" played by public companies to smooth earnings, and the role of regulators. All three are imperfect. Levitt exposes many of the abuses that have been known to most public market insiders. He has done much, helped by the market meltdown in 2000-02, to rectify some of these abuses.
   
   He provides extensive background, from his point of view, on the difficulty of making the markets more transparent and consumer (retail) friendly. He details his butting heads with Wall Street chieftains, corporate CEOs, the high tech industry, and the very agencies and oversight boards charged with insuring fair markets.
   
   There are many gems that are instructive. For instance, I was surprised to learn about the matching of buyers and sellers within a single organization, like Schwab, that increased profits...but to the detriment of customers. Now that there are new rules on this, I understand why Schwab and others are struggling with profitability and must redefine themselves. Schwab's success initially was derived from a rules change Charles Schwab supported, and now its difficulties are derived from a rules change the firm fought.
   
   Levitt also shows regulatory zeal in areas requiring much more discussion and debate to insure the public good. Single-minded regulators, while they can do good, can also inflict great harm. While stock options may need a change in accounting treatment, we must make sure that we understand the "how" to insure that we do not drive a stake into development stage companies that have led the world in innovation, job creation, and value creation. Levitt's single-mindedness on this issue is scary.
   
   He showed ignorance about development stage companies and the role of stock options. He frequently used companies like Cisco, Microsoft, and Intel as examples in his discussion. These are growth companies but they are no longer development stage companies. Stock options are a critical tool for the growth and survival of a true development stage company. Most, if not all, development stage firms only offer healthcare benefits, non-matching 401k plans, and an opportunity to fail (80% fail). Stock options provide an off-set to the personal and career risk one takes to join a start-up.
   
   Development stage companies have proven crucial to the health of the US economy with jobs, and global leadership in areas like health and high-tech. We are the envy of the world. We as country must make sure that we do not throw the baby out with the bath water.
   
   Those who are interested in these subjects and controversies will enjoy getting a behind the scenes view, courtesy of Arthur Levitt. A good book to complement "Take on Wall Street" is Andy Kessler's "Wall Street Meat" - a first hand account of a Wall Street analyst on the abuses Levitt moved to correct. These two books could serve as bookends!



2. Book has some fluf, but it's interesting.
   
   The book give some insight into how courupt Wall Street and many brokers are.



3. Arthur Levitt was the longest-serving chairman of the U.S. Securities and Exchange Commission (SEC), 1993-2001, the regulatory agency that oversees many aspects of the stock market. Coming from a background of 28 years on Wall Street as a broker and chairman of the American Stock Exchange, Levitt joined the SEC as the bull market of the 1990s was getting underway and would remain through the bust of the technology stock bubble, leaving the agency shortly before the accounting scandals of Enron, WorldCom, et al exploded into the public eye -just the sort of accounting deception he had fought to prevent during his years at the SEC. "Take on the Street" is a memoir of Levitt's years at the SEC and an argument for his philosophy of investor-friendly regulation. But, more than that, it is a how-to guide for small investors that explains the "web of dysfunctional relationships among analysts, brokers, and corporations" and how to avoid falling victim to them, whether you research and buy stocks yourself or invest in the market through mutaul funds or a 401(k).
   
   "Take on the Street"'s 10 chapters are each dedicated to one issue -usually a conflict of interest- in some stage of the investment game, which can cost the investing public a great deal. Levitt explains each issue in detail, with examples, as well as what the SEC tried to do to remedy the problem when he was in office. And he always includes advise on how to avoid the pitfall in question. The first chapter is about brokers. The second addresses the "Seven Deadly Sins of Mutual Funds". Chapter 3 reveals the conflicts of interest faced by many analysts. Chapter 4 discusses Regulation Fair Disclosure (FD) in detail, which prevents analysts from getting earnings information before it is announced. Chapter 5 addresses the issue of accounting standards, which would come to a boil shortly after Levitt left the SEC, including his crusade to prevent accounting firms from providing both consulting and auditing services to the same company. Chapter 6 is a lesson for investors in how to read company financial statements or 10-Ks. Chapter 7 explains how stock orders were placed and filled on the NYSE and the NASDAQ. (Note that this is not up-to-date, as the NYSE just converted to a computerized system.) Chapter 8 talks about the role and failures of corporate governance boards (boards of directors). Chapter 9 is about Levitt's experiences with the powerful business lobbies and their influence on Congress. The last chapter, "Getting Your 401(k) in Shape", tells investors what they need to do to get the most out of their 401(k) retirement plans.
   
   "Take on the Street" offers a lot of useful advice for the average investor. Even those who know little about their investments and prefer that others manage their money will find the chapters on mutual funds and 401(k)s invaluable. They just might save you a lot of money. Arthur Levitt is opinionated and is sometimes accused of advocating over-regulation. But he is, above all, an advocate of transparency, without which the stock market and all of its participants are ultimately imperiled. As in any memoir, Levitt takes the opportunity to grind his axe against his foes: the politicians who opposed the SEC's regulatory agendas during the 1990s. In Chapter 9, he says just who opposed Regulation FD, auditor independence rules, and expensing options -many of whom had to eat their words in the wake of the Enron scandal. But "Take on the Street" is mostly a book for the average American investor, whose cause Arthur Levitt always champions, if not always flawlessly.



4. "Take on the Street" should probably have been titled: The Most Corrupt Industry in America. Over the last 100 years (and more), the brokerage industry in America has to comprise the most corrupt bunch of crooks of any industry past, present, and hopefully in the future. Because of deception played upon investors with the full knowledge and intent of the major brokerage houses, individual investors lost trillions of dollars they had invested in the stock market. All the major brokerage houses practiced the art of recommending stocks to their 'customers' while knowing full well those stocks were already vastly overpriced.
   
   Arthur Levitt has intimate knowledge of the situation having been the Chairman of the SEC. He pulls no punches in telling the secrets of the industry, even naming names of the biggest culprits to this travesty. When you read how these companies swindled their investors, you will get sick just wondering how the government could let them get away with this for so long. But, of course, significant political contributions by the brokerage houses have a way of making the government look the other way.
   
   Are all of the abuses now in the past? It's doubtful, although Levitt is to be highly praised for his accomplishments in getting things at least to their current level of open information sharing for all investors. But, after you read this, you will think twice before you ever think about trusting a stock broker again.



5. The book is full of inside stories of corrupt corporations and the SEC's involvement to correct them. As far as any portfolio use, chapter ten is 26 pages of 401(k)tips. Otherwise there was nothing truly useful for investing. I am self-employed, so this one chapter was of no help to me either. No disrespect to Arthur Levitt and his understanding of the market but this is more of a non-fiction or autobiography than a guidebook to "Take On The Street." If you like direct and helpful books such as the "All About ...." series of books by Richard A. Ferri or William Bernstein's style, you should overlook this one and it's similarly named clone.

No comments about The E-Myth Seminar.

4 comments about Hidden Profits in Mobile Home Investing: How a Real Estate Investor Stumbled on to the Lucrative World of Mobile Home Investing!.

1. This material basically tell you how the author become MH investor. There is no "how to" information that you can learn. If you would like to know how the author become a MH investor, then this will be an interesting material for you. If you are looking for a "how to" material than this is not for you.



2. Well i was a little nervous going into this purchase. I didnt know one thing about mobile homes or mobile homes park. I took a chance with this purchase and it paid off. You always hear the awful stories behind mobile home investing. People over the years have tend to create a panic when in realitiy there is nothing to panic about. Jerry doesnt come off as some hotshot guru who knows it all. He comes off as a normal guy or "joe" who had some rough times and fell into mobile home investing. This audio cd informed me of ideas i never even thought of. Jerry explains his system, his methods and his mentality behind mobile home investing. I own a couple of residential property and never thought about getting into mobile homes until now. The course is well thought out and he touches on everything from financing to inspections. So far i havent seen a audio program of this mailitude for this price. I will have to keep a watch on jerry and his products because they are golden. I would have to give this course a 9/10. THe only reason i give it a 9/10 is because im greedy and wanted more!!!. Seriously, though a great program and i look forward to more from jerry.
   
   Joshua



3. This NOT a how-to on buying mobile homes. It is a puff piece trying to convince you that buying mobile homes is a good investment. The whole thing lasts less than an hour. Much of the beginning is Jerry's personal story about not being able to figure out what he wanted to do with his life. Do I care? Not if it doesn't give me detailed information that helps me buy mobile homes I don't.
   
   What little concrete evidence he offers isn't so concrete; he can't remember exactly when he bought this or that property in his examples, or how much exactly he paid for it. So, how is this helping me, exactly?
   
   Listen up and I'll summarize this entire cd for you: Jerry flipped houses. Jerry thought trailers would be neat to invest in. Jerry bought trailers and did make some money. Then, finally Jerry tells you that to really make money you need to buy mobile home PARKS.
   
   Thanks, Jerry. That's like writing a book on flipping houses, then telling people in the last chapter that to make real money you have to buy your own town.



4. Robert Kiyosaki, founder of "Rich Dad Education" utilizes a clever little analogy that he entitles the "crab in the bucket." Let me declare from the start that I am not one of these crustaceans who once trapped in a bucket reflective of the rat race quickly clamps onto their fellow bucket mates with the goal of keeping them from getting out of the middle class money quagmire with a veritable encyclopedia of reasons why a different outlook on wealth procurement will not work. Real estate definitely has its advantages as both a business and an investment; my hat is off to anyone who recognizes this early on and decides to learn as much as they can about its inner workings. For as attractive as real estate can seem, it also can be an iceberg of unknown pitfalls which need to be identified before trawling around in waters rank with sharks intent on taking your money.
   
   Like others who have purchased "Hidden Profits in Mobile Home Investing," I was doing my due diligence, examining a field of real estate investing that was broached in a 3-day seminar I took ran by the Rich Dad folks. According to my instructor, a self-proclaimed megabuck real estate investor, the mobile home end of the business waxes lucrative in a way that cannot be imagined and bears the time and effort of a thorough investigation. However, sincere, this 45 minute audio presentation by Jerry Hoganson barely skims the surface; in fact, Jerry seems to have taken a page from Robert Kiyosaki's notebook, assuming that his audience appreciates his "Real Estate Idol" approach and will clamor for more. He relates his personal story instead of bulleting the actual procedure necessary to replicate what he has accomplished.
   
   Now, I am not saying that this audio presentation is meant to be a mobile home real estate primer. What I am saying is that it would be nice to cut to the chase and instead of getting all the background facts about Mr. Hoganson's career crossroads just hear what it takes to get your feet wet in this field.
   
   Indeed, Robert Kiyosaki's success in real estate can only be admired, however his presentations are incredibly repetitive, focusing mostly on mindset rather than content and plausible execution steps. Kiyosaki's audio programs are meant to spur you on to purchase further education from his affiliated Wealth Intelligence Academy--most of which are three days of so much information you will satiate early on and miss 40% of the course material. Mr. Hoganson seems to be imitating this tried and true business system; this audio program whets your appetite and moves you on to checking out the MobileWealth.com webpage where other more pricey books and audio programs await, leading up to the expected seminar.
   
   Don't get me wrong; the information is good. Nonetheless if you expect to be purchasing a mobile home for investment purposes after listening to this CD, think again. In fact, don't even buy it if you are already sold on the fact that investing in mobile homes is a viable investment strategy. If you are looking for a step-by-step approach to mobile home investment, you can, of course, peruse Mr. Hoganson's webpage or you can purchase a relatively inexpensive set of books by Lonnie Scruggs, "Deals on Wheels" and "Making Money on Mobile Homes" from his respective website or scout for it on Ebay.
   
   Bottom line? "Hidden Profits in Mobile Home Investing" is a 45-minute audio presentation meant to entice newbie investors into the world of mobile homes. Not meant as a meaty "how to", this is simply a glimpse of how one man found mobile homes to be a lucrative investment. Recommended only if you don't know mobile home investment can make you money and keep you so busy that your phone will never stop ringing.
   Diana Faillace Von Behren
   "reneofc"

5 comments about Guerilla Marketing Weapons: 100 Affordable Marketing Methods for Maximizing Profits from Your Small Business.

1. Super book for anyone new to Marketing. Lot's of practical advice for free of cheap ways to get your business noticed.



2. Anyone who wants to be successful should have this.
   Others should not.



3. I have lost my 3 hours to read it. Don't loose yours!
   There is nothing interesting in this book and very easy concept



4. When I bought this book, I didn't realize it was published in 1990, so there is nada regarding the internet. If you have even a modicum of knowledge regarding marketing, it's a complete waste of time. This is for someone with zero or little marketing background. Absolutely elementary information.



5. Anyone engaged in or considering starting a small business would do well to read both this book and Levinson's other writings on the subject. Most small businesses fail due to poor marketing and you'll find great solutions to that problem in this series.

5 comments about The Little Book of Value Investing.

1. Don't let the small size of this book fool you! For anyone who is looking to build, over time, a valueable (read: multi-million dollar) portfolio of stock investments; this book might be all you would need. This book started a path for me that lead me to works by value-investing notable as Benjamin Graham, David Dodd, Mary Buffett, and more. After reading very famous texts by the above authors and more, I decided to revisit this work. I am floored by what Chris Browne presents here now I have a much more through understanding of the details.
   
   My advice is to BUY BOTH THE BOOK AND AUDIO-CD. Play the audio cd in your car or I-POD a few times to get the general idea. From there, take the text and follow the CD; highlight any ideas that grab you attention as well as any tips/techniques that he gives (particularly at the end of the book). You may not want to delve into the chapters on reading foreign financial statements--a little advanced for the beginner, I assure you!
   
   One you have a good understanding--get started. As I write this (02/2008), there are an abundance of good values in the market. I'm currently investigating a couple of wonder-investments as we speak. I argue this: anyone thinking of buying this book should buy it ASAP! As Chis Browne would say, there are too many stocks on sale....."...and you want to buy stocks when they are on sale".



2. The author states that over a long period of time value companies have outperformed the growth companies. You buy a value company when you pay less its intrinsic value (Buy Stocks On Sale). The key aspect of value investing is an ability to analyze financial statements of the company. The author explains, in the very friendly manner, such indicators of an intrinsic value like Operating Income, Current Assets vs Total Assets (and liabilities), Operating Margin, EBITD Margin, "Margin of Safety" and so on.
   
   The author declares that you can reduce the risk of loss in case of one stock's failure by building a diversified portfolio. However, when it comes to emerging markets, the authors suggest bewaring of them because of the frequent political disasters in particular countries. I do not agree with the author's advice of totally avoiding emerging markets. As an ETF of U.S. stocks like SPDR Trust (SPY) saves from one company's failure, an ETF that includes most of emerging countries, like iShares MSCI Emerging Markets Index (EEF) can save from a failure in one of the countries. Alternatively, you can build a portfolio of stocks in different emerging countries (as if you do this for U.S. stocks) by yourself without using an ETF or an index mutual fund.
   
   The author also proclaims that cognitive psychology explains why some investors make huge losses because of fear, panic, or following the crowd when it comes to hot sexy stocks. If you like the topic of how cognitive psychology affects investors, I can recommend "The Only Three Questions That Count: Investing by Knowing What Others Don't" by Kenneth L. Fisher.



3. Great book as an introduction to the principles of value investing as laid out by Benjamin Graham. Very easy to read. With about 140 pages, you can get through this book in a couple of hours.
   
   I'd use this as a warm up book to Intelligent Investor.



4. I learned from a broad range of investing books, and I got this one primarily because it was a short book. I'm only about half way through it, but I think it is very well written. It has some important information on how to approach researching a company. One of the glaring failures is how rapidly the trading environment can change. The book specifically tells investors to avoid China, and I've been making a lot of money investing in my first Chinese company. Read and learn, but ultimately decide for yourself on what you want to buy.



5. This a very clear and concise book--another one, all of which seem lately to contain the same wisdom: buy low (and buy smart). I'm trying. You can still pay too much, or buy too soon, or catch the wrong end of a falling knife, etc. But it's certainly a far better idea than taking hot tips from e-mails, or from brokers.

3 comments about The WealthLoop Series Beginner's Guide to Building Wealth Buying Houses (Combo Audio/Data CD): Author's Audio Commentary Plus Downloadable 32-page Marketing Manual, Checklists, Spreadsheets, and Forms.

1. For the complete picture of how the WealthLoop System works, the Book is a Must Have addition to the CD:
   
   The WealthLoop Series Beginner's Guide to Building Wealth Buying Houses: The Foolproof Roadmap to Real Estate Riches Without the Risks and Hassles of Landlording
   
   Also worth looking into:
   
   The WealthLoop Series Beginner's Guide to Personal Wealth Creation (Combo Audio/Data CD): Audio Seminar With Downloadable 40-Page Action Manual and Active Link Library.



2. What a terrific follow-up to the "Beginner's Guide to Building Wealth Buying Houses", and probably a necessary supplement for anyone interested in implementing the author's plan for creating wealth streams. The CD not only contains the author's detailed explanation of his system, it also contains a marketing manual as well as many forms and checklists that you will find invaluable, especially if this is your first run at real estate investment.
   
   But whether you are a novice or a seasoned pro, you will find this book very helpful, if not essential.



3. The radio interview reinforced some of the
   points of the book. The documents on the CD
   look very comprehensive and organized.
   Looks like John thought of everything.
   I am pleased!

5 comments about The TurnKey Investor's "Subject To" Mortgage Success Secrets (The Audio Program): What the "Subject To" Mortgage Pros Know That Beginners Do Not!.

1. This is great info for the real investor. Matt has helped me with several deals and gives great information in these new books and cd's.
   
   The Lease Options that he describes are so much better that regular renting and landlording procedures where you can get nickel and dimed to death. In this series, he really goes into detail (moreso in the book than the cd of course) about the differences, advantages, steps, etc.
   
   Don't think of these as a regular addition to your investment education library but as a building block - something you must have / read / study to make your investments perform at their best.



2. This concise introductory audio program provides the responsible property investor an overview of "subject to" mortgage transactions. If you've heard about "subject to" and wonder what it's about, and whether or not this type of transaction is right for you, then The Turnkey Investor's "Subject To" Mortgage Success Secrets by investment expert Matthew S. Chan is a must-hear!
   
   The "subject to" technique is not for the beginning investor. It's for the responsible and more advanced investor who has plenty of past experience investing in properties and who has a very good sense of what's involved in buying, selling, and renting out properties. What "subject to" offers is an option for investors who want to build their property portfolio more quickly, and who are willing and able to work with what Chan calls "urgent sellers."
   
   This audio program works well as an introduction to the subject or as a companion to the book, The Turnkey Investor's "Subject To" Mortgage Handbook, written by Chan. The audio program offers a clear overview along with expert personal insights. It's narrated by Chan, who candidly shares both the pitfalls and the benefits of buying property through a "subject to" clause.
   
   According to Chan, when handled responsibly and intelligently a "subject to" mortgage is an effective way of buying properties, but it's not for everyone. He carefully spells out who you need to work with and what you need to do to make this transaction a success. Chockfull of examples taken from his own personal experience, the audio program provides enough information to help the seasoned investor decide whether or not this type of transaction is of interest.
   
   And as a companion to the handbook, the audio program supplies valuable information that complements the book. Listening to the program is equivalent to sitting face to face with Chan, picking his mind to find out what worked for him and what lessons he learned from his own personal involvement with "subject to" mortgages.
   
   If you are a responsible and experienced property investor who wants to learn more about the "subject to" investing option, start with The Turnkey Investor's "Subject To" Mortgage Success Secrets CD audio program. This comprehensive 45-minute program is short enough to listen to as many times as you need to absorb essential insider's information.
   
   Once you're ready to learn more, move on to the companion handbook ... but refer back to the CD often. Chan's clear explanations and calm delivery are sure to keep you grounded, ultimately helping you decide whether or not "subject to" is right for you. Overall, this is a well-executed, highly informative introductory audio program.



3. If you want to know a secret then this program is for you. I bought this program cause i have falling in love with matthews program. Matthew is able to take a subject and discuss it in a way that everyone can relate. THis program is very similar to his other programs, but it covers the investing technique called subject to. Matthew has done many of these deals and is willing to share some of these secerts. I mean for a couple bucks how can you go wrong. If i am being honest this cd has actually made me money from the information that is present in it. So if you are a person on the go, then these programs are great.



4. Matthew Chan's audio program, The TurnKey Investor's "Subject To" Mortgage Success Secrets is an informative CD on the success secrets every individual interested in "subject to" mortgages should know. I had already gone through the Handbook so I was familiar with what was covered on the CD and found it to be an excellent tool by which to review the material or to specifically consider the most important details to gain success.
   
   Chan points out that subject to mortgages are a special niche rather than a mainstream topic in property management. In order to become successful, an individual needs to do and practice the activity. Hopefully, the Success Secrets will be both an aid to beginners and a review of experiences for professionals. I recommend that if you definitely want to enter into this technique, that you purchase the Handbook. The CD program is a good follow-up to keep material fresh. It could also be a good introduction as individuals actually consider whether they want to try this type of property acquisition.
   
   To get started, Chan points out the benefits:
   · Get property without qualifying for financing.
   · Allows for very fast closings (within days if all things move right).
   · No additional loan costs.
   · No impact on borrowing power.
   · No impact on property manager's credit report.
   · Can be profitable even if property has little or no equity.
   · Gives improved sales credit reports.
   · Often saves banks and sellers from foreclosure.
   
   Sharing their success secrets is not surprising. Anyone familiar with Chan's books will find that he willingly shares experience and knowledge in order to save others from "reinventing the wheel." This is a personal philosophy that I highly endorse; I commend Chan for his continued efforts in this regard. So now let's consider the "secrets."
   
   A very important process is ensuring "Deal Flow." Chan's group does a lot of marketing. They advertise, "I buy houses." Striving to continuously get the word out and keep them visible, they advertise non-stop whether or not they are picking up this type of mortgage.
   
   They work with "urgent" sellers. Yes, it is unconventional, not ideal, but when a seller is motivated, they are willing to consider this type of mortgage. If you find someone who will trust you, then they are prospective clients. Turnkey Investing works to ensure high credibility in their professional field!
   
   Complete consideration and evaluation of the possible deal is necessary. Pointing out that there are lots of bad deals available, Chan ensures each important point is weighted:
   · Can we meet payments for this property?
   · Is there any equity?
   · What is the potential for appreciation?
   · How much repair/renovation would be needed?
   · Why are you considering this property? (If it is just to "make the deal," don't do it!)
   
   Due Diligence for "subject to" mortgages is specific to this technique. Highlighting each issue, Chan verifies that the property manager must be very clear about exactly what they are getting into!
   
   Chan speaks out against "kitchen table closings," and instead insists that a formal closing with an attorney or title company leads to a satisfactorily successful closing.
   
   It seems logical that individuals in this professional field would realize that financial backup is a necessity. However, success mandates a stronger statement. If you can't do it (borrow to ensure coverage of financial contingency issues), don't enter into the deal!
   
   How many times have we seen small companies fail because of poor administrative or financial management? Chan points out that with "subject to" mortgages, this may be even more important because you are now acting on behalf of the seller who has entrusted you with their property.
   
   Chan speaks frankly and openly about ethics as well as attention to managerial issues. Once again, his words are there, ready for you to use in developing a successful career. Experienced property managers--this is an excellent overview of success issues!!! Keep it in your car for easy listening as you travel through your day!



5. Thanks to Matthew Chan and "The 'Subject To' Success Secrets," I now own two properties!
   
   I was like many would-be real estate investors. I've read dozens of books and ordered several courses over the past ten years. I joined the Real Estate Investors Association and had attended workshop after workshop. I was "educated" . . . but I always felt unsure and afraid to actually put this knowledge into action.
   
   And from a personal standpoint, (which is also typical of many beginning real estate investors), I didn't have enough cash to buy an investment property and my credit wasn't sufficient to get bank financing.
   
   I figured that investing a few dollars for this audio program was a low-risk proposition. And WOW! After listening to "The 'Subject To' Success Secrets" I felt that I'd finally found the missing puzzle piece.
   
   Matthew Chan speaks candidly about the often-discussed, but widely misunderstood strategy of "subject to" financing as a powerful and practical tool for acquiring real estate. He clearly lays out the key points and puts this form of seller financing into proper perspective.
   
   I've read lots of other resources on this topic. But if you want to hear a concise, straight-forward and informative discussion about "subject to" financing, there is none better.
   
   Yes, I now own two properties. Thank you Matthew Chan for such an easy-to-understand audio program that was exactly what I needed to get on the road to real estate investing success. This program helped me finally put years of learning into action using a strategy that works.