Bernard Zick's                                                                         

ZICK HOME LOANS & Realvest Funding
MORTGAGE
REPORT

February 2005

The Zick Home Loans & Realvest Funding Mortgage Report is published about once a month. It has a dual purpose. It should be of special interest to those of you in the mortgage business, particularly if you are a part of our mortgage group. Secondly, it is, in part, my chance to ramble on about what is bothering me. In this regard, this e-newsletter is intended to serve no special or worthwhile purpose. It is just my way of telling you what is going on in the world of real estate education, the investing business and the mortgage business. My only goal is that I don't get sued and you are entertained a bit. For an e-newsletter of merit about real estate investing watch for our next issue of Advice for the Impatient Investor which will be out the first week of March.

Editors: Bernard "Barney" Zick bernard@zick.com, Karen Zick and Amy McIntee

This email was sent to you by REIT, Corp. To ensure delivery to your inbox (not bulk or junk folders), please add bernard2--9168385@autocontactor.com to your address book.

"As long as you keep a person down, some part of you has to be down there to hold him down, so it means you cannot soar as you otherwise might."

Marian Anderson
1902-1993, Concert and Opera Singer
 

In this issue:

RealVestFunding.com

  • "HARD MONEY LOANS JUST GOT EASIER”
  • "Your loan is rejected because it wanders”

ZickHomeLoans.com

  • "all circuits are busy..."

Zick Stuff

  • ONE MORE GROWTH EXPERIENCE!
  • Thought for the day...COWS
  • "If I were the Devil"
     

Upcoming Events

  • HELP DAYS IN FLORIDA IN MARCH
  • Don’t miss uS on March 5th at the Houston RICH club and in Los Angeles at the REICLA Meeting on March 8th
  • Two one day events to be held in LA/Orange county March 26th & 27th.  Details in the next Newsletter!
  • "Get the DEED"

RealVestFunding.com

"HARD MONEY LOANS JUST GOT EASIER”

Talk about exciting...

I started a year ago with a Web site plan for ALL our lending business.  Karen does the one to four family conventional and I do all the hard money loans, commercial and residential, and specialize in income property loans… everything from hard money to conventional.

Well, we just got the Hard Money part completed.  PLEASE send me comments.

The Realvest Web site (www.realvestfunding.com) is meant to give our students access to all the services we and our affiliates can provide you.  I am sure there will be lots of changes but we can now bring it out of the closet.

We have already had two students get pre-approved for Hard Money loans for buying houses in the last week. That is two out of the three we submitted, so I am excited.



"Your loan is rejected because it wanders”

There is trouble in Houston City!  We have been getting lots of submissions for commercial and investment loans.  (Usual minimum $500,000; favorite sized loan is $3,000,000 but we do a lot up to about $12,000,000.  Joint venture and other difficult deals will be considered too.)

But to be honest, you have been sending us narratives that don’t tell us what we need to know.  The descriptions wander.  I tried telling people to give us an Executive Summary but it seems that no one knows what that is.  So, Don and I have come up with a “Loan Intake Sheet.”  You can get a copy at http://www.realvestfunding.com/poloan.html.  Use it when you want to communicate your needs to us.  It will really speed things up.

Don and I will review it and let you know what lenders want what kinds of deals. Then we can go to a formal submission if we have a fit!



ZickHomeLoans.com

"all circuits are busy..."

Talk about frustrating...

Some of you had trouble dialing in to our free Freedom Equity Recruiting TeleHelp Session on Monday, February 7th.  We know this because it took us seven minutes to connect to the call!  This is the official word from our teleconferencing host:

The problem with the "all circuits are busy" recording and the fast busy signals comes from a telephone company.  We don't have such a recording and certainly wouldn't put out fast busy signals.   We have been told that some traffic is getting bottlenecked in a trunk system that lacks the capacity to handle the volume of calls passing through that switch.  We have no control over this but we have been in touch insisting that they proceed with all possible haste to improve their service.  This happens not only to our system but to many other numbers as well.  I apologize for the inconvenience and problems you may have had.

In case you gave up and stopped trying to dial in, please go to www.zick.com and click on the link under the telephone.  Then, scroll down to the link that says, "I want to listen to recordings of the FREE All Fund Mortgage/Freedom Equity Group Recruiting TeleHelp Sessions." to hear a recording of the entire call.  Or, just click here.

By the way, we are using this first Monday of the month call to also help your students get their questions answered. We will do about an hour on All Fund but we have a two hour slot booked. So how long we run the call will be up to you!



Zick Stuff

ONE MORE GROWTH EXPERIENCE!

I have always joked that one of my prayers was, “Please Lord, no more growth experiences!”  Well we don’t always get everything we ask for.  I’ve been told the best prayer is to end with, “Please can I have this or something better?”  So maybe this is something better.

Many have asked about my health. I am doing much better but there is a long road to go. I went to the hospital to take care of the water building up in my lungs from pneumonia. Complication...blood clots took over that search. Especially the one that lodged in my lung.  Well I’ll be on blood thinners for a year but I am off oxygen and setting up a routine to take care of the original problem.  I should re-start my speaking schedule in a couple of weeks. Thinner, smarter and ready for the challenge.  Now for those of you into prayer, no need to stop! We are still looking for causes and I want a great outcome. Thanks for all of your kind emails.  See you soon.

BZ



THOUGHT FOR THE DAY...COWS

Is it just me, or does anyone else find it amazing that our government can track a cow born in Canada almost three years ago, right to the stall where she sleeps in the state of Washington. They also tracked her calves to their stalls. But they are unable to locate 11 million illegal aliens wandering around our country. Maybe we should give them all a cow.



I have always loved Paul Harvey... his insight have been great and his "tongue in cheek" humor works for me.  Besides, he always has food for thought.  BZ

"If I were the Devil"

by Paul Harvey

If I were the devil, I would gain control of the most powerful nation in the world; I would delude their minds into thinking that they had come from man's effort, instead of God's blessings; I would promote an attitude of loving things and using people, instead of the other way around.

I would dupe entire states into relying on gambling for their state revenue; I would convince people that character is not an issue when it comes to leadership; I would make it legal to kill unborn babies; I would make it socially acceptable to take one's own life, and invent machines to make it convenient; I would cheapen human life as much as possible so that the life of animals are valued more than human beings; I would take God out of the schools, where even the mention of His name was grounds for a lawsuit; I would come up with drugs that sedate the mind and target the young, and I would get sports heroes to advertise them; I would get control of the media, so that every night I could pollute the mind of every family member with my agenda; I would attack the family, the backbone of any nation.

I would make divorce acceptable and easy, even fashionable. If the family crumbles, so does the nation; I would compel people to express their most depraved fantasies on canvas and movie screens, and call it art; I would convince the world that people are born homosexuals, and that their lifestyles should be accepted; I would convince the people that right and wrong are determined by a few who call themselves authorities and refer to their agenda as politically correct; I would persuade people that the church is irrelevant and out of date, and the Bible is for the naive; I would dull the minds of Christians, and make them believe that prayer is not important, and that faithfulness and obedience are optional. Hmmm...I guess if I were the devil, I'd leave things pretty much the way they are. Good day.



Upcoming Events

Free HELP DAYS in Florida in March

We will be in Orlando on Saturday, March 12th and in Tampa on Sunday, March 13th.  Come learn the latest techniques in buying properties. Go to www.zick.com and click on the link on the home page to enroll. It is free if you show up!

Or, click here to register: 

"Financing Your Next Best Deal" Help Day


Don’t miss uS on March 5th at the Houston RICH club and in Los Angeles at the REICLA Meeting on March 8th

Need more information?  Send us an email or call our office at 800-677-3253.


Two one day events to be held in LA/Orange county March 26th & 27th.

Details in the next newsletter!


"Get the DEED"

Many years ago I met a couple of new investors..."Charlie" and Randy France.

I always joke that if you invest in all my educational programs and go out and make a lot of money, I’ll tell the world you are MY student! They also went to every other source of knowledge available, but no need to dwell on that! They are very successful and have been sharing their success with others for years.

But there is a reason for that success and the following they have built beyond all the education they got. Yes, they have an impressive ability to take what they learned and put it into practice. But more important, they can explain their system in simple to understand terms and show the newest of investors how to put it into practice.

You may have heard me brag about them before. They began buying pretty homes in nice subdivisions...and they were getting PAID to buy these homes.

Charlie and Randy teamed up with Bob Meister and developed the most comprehensive course on buying homes "Subject To" the existing mortgage.

Then, they produced another course on how to fill and manage those homes.

You see, these folks do the business every day...they tell you what's working in today's economy.

They're having a workshop that explains it all.

If I could go, I'd be there...it's that good. I have their home study materials and they are excellent. They do what they promise and are also easy to listen to. Can’t do better than that. And I have heard them speak several times. So put the two together I can assure you it will be a good live event!

Click on the following link and be sure to tell Charlie, Randy and Bob, that
"Barney Sent Me." You'll get a special bonus from them.

http://www.GetTheDeed.com/BarneyRecommends.htm

This is one seminar that you must attend.  You can thank me later.

BZ

 

Would you like to read past newsletters? 

Click here

Scroll down to the bottom of the left-hand column to find links to all of our archived newsletters.



It Pays to Attend and Costs to Miss Out

When you sign up for a  boot camp, we will get your credit card information. If you DO NOT show up, we will be charging you a “no show” fee. This is done throughout the industry. We pay for room size, order coffee and hire help depending on the number of people signed up. In order to keep costs in line, this "no show" fee will be in effect from now on.



All new for 2005!  Learn it all in one place at one time.

 “Barney” Zick can show you...

“How to Finance ANY Deal!”

Announcing the most in-depth, intensive three-day Boot Camp you can imagine on real estate financing designed for people who are successful, aggressive real estate investors (or aspire to be someday soon)!  Investors know CASH IS KING and owner financing is the QUEEN!

As a real estate investor, there is nothing like having the ability to know what investing approach to use, know how to structure it, and know how to present it to the seller and get it closed.  Being able to cash out properties is the “grease for the wheels” of this cash intensive business.  The three roads to financing will be taught...Lease Options, Owner Carried Loans and Conventional and Hard Money Loans.  You will also get an opportunity to sign up and receive hands-on training about becoming a loan originator in order to add another cash flow stream of income.

SIGN UP TODAY AND PAY ONLY $695 of the $2,195 fee.  The balance will not be due unless you complete a successful deal from what you have learned!  How can we do this?  We strongly believe that you will learn what you need to know for success and that you will easily do a profitable deal right after attending!  This way we have more at risk than you.

That’s right; if you don't make money we don't get paid the balance of the training fee.  The entire program can be self funding!  You will make money from what you learn…paying you back more than the cost of training.  All you have to do is USE these ideas and we will show you how! 

At the three-day “How to Finance ANY Deal” Boot Camp we will send you out to investigate deals and sign them up.  Then when you come back, we will fine tune your presentation to make getting more deals easier.

Click here for more information or to register for the “How to Finance ANY Deal!” Boot Camp.



For more info. go to www.zickhomeloans.com  and select "Contact Us" or call our office at 800-677-3253.



Questions?  Send us an email or call our office at 800-677-3253.



 

Remember: You may be my student, you may be my best friend and I MAY love you…but, I am not a lawyer.  I am not YOUR real estate broker.  You are not my client.  This e-mail is not intended as legal, real estate or accounting advice.

 

 

"Financing Your Next Best Deal" Help Days

We will be in Orlando on Saturday, March 12th and in Tampa on Sunday, March 13th.  Come learn the latest techniques in buying properties.

Go to www.zick.com and click on the link on the home page to enroll. It is free if you show up!

Or, click here to register: 

"Financing Your Next Best Deal" Help Day



Upcoming Events

“How to Finance ANY Deal!”

Three-Day Boot Camp in

San Diego

Click here for more information or to register for the “How to Finance ANY Deal!” Boot Camp.

May 20th, 21st & 22nd we are presenting a new Boot Camp called "How to Finance ANY deal!"  We will cover Lease Options, Owner carried financing and Conventional and Hard money loans. Two new topics will be “Making Money Referring Commercial and Investment Loans” and “Getting Cash from Passive Investors – Structuring the Deals.”  This Boot Camp just keeps getting better and better! We may need to go to evening sessions to get it all in!

Reserve your room at:

Courtyard San Diego Carlsbad
5835 Owens Avenue
Carlsbad, CA 92008
760-431-9399




IMPORTANT POLICY STATEMENT ABOUT ALL FUND MORTGAGE/FREEDOM EQUITY GROUP PARTICIPATION

It has taken awhile for us to get our plan together. And, of course, there may still be changes! But it is time for us to put as much as we can on the table so, if you are serious, you can get to work!

We have started our Mortgage Business Builder Boot Camps. The first one was in Chicago in September.

Cost

The cost of the training is $1995. You can pay it all at once. However, I believe in our program and know if you work our program you will make lots of money. So here is the deal. I’ll bet two-thirds of that on your success…

* If you are signed up under us, you can attend for $695 up front and we will take $500 out of each of your first three loans to complete the follow up training.
*If you are not signed up under us, but under someone else, you can pay $1995 at registration and attend the event.
*If you are not signed up at all, you must pay $1995 to attend, up front.

So the bottom line is, get signed up under us for the installment program.

By the way, all sponsors that I know of with Freedom Equity Group/All Fund charge something out of the first three loans to pay for training. So if you think that you are better off signing up for someone that does not offer training, you most likely will still get charged out of the first three loans.

Several of the sponsors I know take ALL the commission you make on your first three loans. If I was signed up with that sponsor, I would do three very small loans at first and “sand bag” any bigger loans for the next group! This way, you can make as much as you want on the first three loans and you only have to pay out the first $500!

Our hope is that you will catch fire in this business and by the time you do the first three loans you have made all your educational investment back. So, bottom line, if you work the program there is no cost; it pays!

Husbands, wives and children

If you want to bring one of these, great! If they are signed up and a part of the business, they pay just like you do. And, we will do the training loans with them too.

If they are just assisting you with the business, they can attend for $295 to cover our room costs, coffee breaks, etc.

If your child is between 14 and 18 years old, really interested, and can pay attention (don’t you dare drag them there!), they can attend for $50. Children over 18 can pay the $295. Where else can you attend a three day event and learn a business for so little?

The book you will receive will be for studying after the event. We will have a fill-in outline that everyone will receive. There will be one book for each full-paying participant.

More than your money back!

If you are signed up under us, you can return to attend the training for free. All you have to do is bring someone you signed up under you!

Think about it. You get to come for free, they pay us $695, but YOU collect the $500 per loan on training THEM on their first three loans.

For us, we get our costs covered. It costs us at a MINIMUM $695 per person to put on a three day event. We don’t really make money unless you or your associate you sign up make money with placing loans.

They get profits from placing loans, giving them their educational investment back. You get trained associates, we build our shop. It is a win-win deal all around.

Guess what? Your associates can do the same. They can come back for free bringing as many people as they want AS LONG AS THOSE PEOPLE ARE SIGNED UP under them! You get the picture.

Will the ground floor be empty?

You are getting in on the ground floor, so you may be asking yourself…will the ground floor be empty of content? Since we are new at doing these trainings, will we be learning how to train on your dime?

Absolutely not. First of all, Barney is presenting at the first three trainings, talking about Sales and Marketing. He spent 15 years teaching these topics to businesses from New York Stock Exchange firms down to a two-man firm in England. This is a secret part of his career not known to most real estate investors. His results have been staggering. One firm, a national blood testing company, said that after his training, sales rose 15% over their previously best month ever. The English direct mail company, that made over a million a year, got the biggest boost ever from Barney’s ideas, and that is after five years of searching for the best consulting in England and putting their ideas to play. Barney increased their profit margin!

Secondly, we have one of the best company trainers coming out to teach the two technical days. You will learn how to present our best loan to prospects, how to present the opportunity to recruits and how to do the loan paper work. It will be an information packed event.

Best way to sign up…

Do it via our web site and we will follow-up or do it by calling our office 800-677-3253.

Do it today!

The Fine Print...

(Back to top)

We will publish the Zick Home Loans & Realvest Funding Mortgage Report containing Real Estate Education Industry News and a lot of personal opinions, and Advice for the Impatient Investor, approximately once a month.  (However, keep in mind, our newsletters are free so don't get upset if we skip one occasionally!)  

The next Zick Home Loans & Realvest Funding Mortgage Report will go out on or about March 15th.  Advice for the Impatient Investor has been published for fourteen years (but not in a row).  The next issue should be out about March 1st.   

Folks smarter than us told us to say: We take no responsibility for the accuracy of the postings.  All contents of the postings are the responsibility of the posting party.  The foregoing material is strictly for informational purposes only and does not provide legal, financial, accounting or investing advice or services. Use of any of the foregoing information does not create a client relationship.  You should not act on the information provided without seeking legal, accounting and tax counsel of your choice.

We reserve the right to terminate the subscription of anyone at any time.

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Copyright © 2005 by Real Estate Investors Training Corporation.

ISSN # 0272-8559

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