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T ANY"O C TAKE 6F9ANCIAL SECUR;Y & P]SONAL W1L?4 ,Y'RE AB 6LE>N ,,YR ,,GRTE/ ,,POT5TIAL ,,= ,,PROSP];Y ,,H[ ,,TO ,,BUILD ,A ,"O ,MILLION ,,DOLL> ,,DEBT ,,FREE ,,EMPIRE ,,9 ,,Z ,,LL ,,Z #AE ,,YE>S ,,%ORTCUTS ,,6,,RAPID ,,DEBT ,,REDUC;N ,,BUY+ ,,)\T ,,CA% ,,N9E ,,RULES ,,= ,,GETT+ ,,! ,,BE/ ,,D1L ,,H[ ,,6,,W9 ,,AT ,,NEGOTI,NS ,,! 8,,BUY ,,"H ,,PAY ,,"H ,,BONANZA0 #GA ,,M"OY ,,MAK+ ,,ID1S4 ,,CIO ,,BILL ,,SWAD1 ,,SR4 IS F.D] & PRESID5T ( ,BILL ,SWAD ,*EVROLET1 ,COLUMBUS1 ,OHIO2 ,OMEGA ,LIFE ,9SUR.E ,-PANY1 ,SCOTTSDALE1 ,>IZONA2 & ,HAMILTON ,A3EPT.E ,CORPOR,N4 ,HE IS F.D] & S5IOR PA/OR ( ,*RI/IAN ,C5T]1 ,COLUMBUS1 ,OHIO1 & *AIRMAN (! EXECUTIVE -MITTEE1 ,ORAL ,ROB]TS ,UNIV]S;Y1 ,TULSA1 ,OKLAHOMA4 ,8 NUM]\S AW>DS 9CLUDE AN HONOR>Y DOCTORATE F ,,ORU4 ------------ ,,3T5TS ,*APT] #A ,,YR ,,GRTE/ ,,POT5TIAL ,,= ,,W1L? ,*APT] #B 8,,TAKE ,,! ,,PLUNGE0 ,*APT] #C ,,%ORTCUT ,,TO ,,DEBT ,,REDUC;N ,*APT] #D ,,Y ,,C ,,BANK ,,ON ,,X ,*APT] #E ,,CLOS+ ,,! ,,D1L ,*APT] #F ,,IT'S ,,YR ,,TURN ,,6PROSP] ,*APT] #G 8,,BUY ,,"H ,,PAY ,,"H0 ,,BONANZA ,*APT] #H #GA ,,M"OY ,,MAK+ ,,ID1S ------------ ,*APT] #A3 ,,YR ,,GRTE/ ,,POT5TIAL ,,= ,,W1L? ,:5 ,I />T$ A US$ C> BUSI;S 9 ,APRIL1 #AIEG1 ,I N"E RE,Y ?"\ AB 2COM+ A MILLIONAIRE4 ,N"O ( MY FRS 9 ,COLUMBUS1 ,OHIO1 CAME RUNN+ 6MY MU4Y SALES LOT SAY+1 8,BILL1 Y'RE GO+ 6BE RI*60 ,I ?"\ T MILLIONAIRES 7 8BORN01 N MADE4 ,N 9 MY WILDE/ DR1MS CD ,I SEE BUILD+ "O (! N,N'S L>GE/ AUTOMOTIVE EMPIRES ) SALES EXCE$+ 4#DJJ MILLION 9 A S+LE YE>4 ,NO "O GAVE ME ! 9=M,N Y >E AB 6R1D4 ,IF !Y _H1 ! ROAD 6W1L? WD H BE5 M* QK] & M* EASI]4 ,? BOOK W TAKE Y /EP-BY-/EP AL;G A PA? T ANY"O C TAKE 6F9ANCIAL SECUR;Y & P]SONAL W1L?4 ,PLUS1 ,I'LL %>E DOZ5S ( WAYS 6PRODUCE IMM FUNDS 6HELP Y GET />T$4 ,X'S SAD B TRUE T 9 ,NOR? ,AM]ICA1 N9ETY-FIVE P]C5T ( P OV] #FE YE>S ( AGE >E N F9ANCI,Y 9DEP5D5T4 ,SOCIAL SECUR;Y MAY 2 SOCIAL1 B X W N MAKE Y 8SECURE40 ,TWO ,K9DS ,( ,W1L? ,MO/ P N"E MAKE ! GRT M5TAL L1P =W>D F ! 3CEPT ( 8"W+ = M"OY10 6! IDEA ( 8ACQUIR+ W1L?40 ,OV] ! YE>S ,I'VE 4COV]$ T "!'S A GRT D1L ( DI6];E 2T ! TWO4 ,CR1T+ CA% MAY S.D 5TIC+1 B BY ! "T ! GIANT H& ( \R ECONOMIC SY/EM1 9CLUD+ TAXES1 R1*ES 9 6YR POCKET1 "!'S N M* LEFT4 ,Z Y'LL SEE1 BUILD+ W1L? PRODUCES A RESULT T IS TOT,Y ! OPPOSITE4 ,"! >E TWO K9DS ( W1L?3 VISI# & 9VISI#4 ,! VISI# K9D PRODUCES MAT]IAL GDS & 8?+S40 ,B YR 9VISI# W1L? IS E BIT Z VALUA#2 YR ABIL;Y 6PUT 8D1LS0 TGR1 & CR1TE A T1M ( P :O W "W ) Y4 ,REMEMB]1 Y W9 ) P4 ,( ALL ! 9COME-PRODUC+ /RATEGIES ,I'VE "E "KN1 "! IS N"O 6-P>E ) ! BUILD+ (A =TUNE "? R1L E/ATE4 ,)\T "Q ! L>GE/ S+LE PRODUC] ( MILLIONAIRES4 ,Y MAY SAY1 8,BILL1 TELL ME "S?+ ELSE4 ,I C'T 2C ,I'VE GOT A LL H\SE T ,I PD #FJ1JJJ = & / [N 4#DJ1JJJ4 ,H[ IS X POSSI# = ME80 ,IF ,I %[$ Y H[ 6TURN T MODE/ F9ANCIAL BASE 9 64#A MILLION1 WD Y GIVE X A TRY8 ,EV5 ) A SMALL />T1 Y H ! P[] 6BUILD A PORTFOLIO ( R1L E/ATE HOLD+S T W 3T9UE 6MULTIPLY4 ,! NUMB]S >E A/.D+4 ,C A P]SON :O />TS ) 4#A1JJJ 2COME A MILLIONAIRE 9 #BJ YE>S8 ,C]TA9LY1 IF Y D\# YR M"OY E TWO YE>S4 ,Y SAY1 8,BILL1 T'S UNR1LI/IC6 ,N 9 R1L E/ATE1 & ,I'LL %[ Y :AT ,I M1N4 ,LET'S SAY T Y PUT 4#A1JJJ CA% D[N 7#E P]C5T7 ON A SMALL 4#BJ1JJJ 8FIX]-UPP]0 H\SE2 :1 0! ,WAY1 Y C / F9D4 ,TWO YE>S LAT]1 Y DECIDE 6REF9.E ! 4#AIJJJ MORTGAGE = 4#BE1JJJ1 Y'VE GOT 4#F1JJJ CA%4 ,IF Y R1LIZ$ J 4#B1JJJ Y WD MAKE #AJJ P]C5T ON YR ORIG9AL CA% 9VE/;T4 ,"H'S :AT HAPP5S :5 Y D\# YR M"OY #AJ "TS3 4#A1JJJ1 4#B1JJJ1 4#D1JJJ1 4#H1JJJ1 4#AF1JJJ1 4#CB1JJJ1 4#FD1JJJ1 4#ABH1JJJ1 4#BEF1JJJ1 4#EAB1JJJ & !N 4#A1JBD1JJJ6 ,6PUT X ANO!R WAY1 SET A GOAL T FIVE YE>S F TD Y >E GO+ 683TROL0 T5 H\SES T PRES5TLY >E WOR? 4#EJ1JJJ EA*4 ,AT ! 5D ( FIVE YE>S1 PLACE EA* "O ON A #AE YE> MORTGAGE4 ,TW5TY YE>S F N[ !Y WD ALL 2 DEBT FREE4 ,H[ M* WD !Y 2 WOR?8 ,IF ! FUTURE IS GUID$ 0! PA/1 ! M>KET VALUE ( ! H\SES W D\# 9 ! "T WE'RE TALK+ AB4 ,!Y'LL 2 WOR? AT L1/ 4#A MILLION1 & PROBABLY M* M1 9 J #BJ YE>S4 ,EV5 BETT]1 !Y'LL ALL 2 FREE ( DEBT & YR NET WOR? W 2 OV] 4#A MILLION4 ,WRITE ,X ,D[N ,Y MAY SAY1 8,I DON'T EV5 H ! 4#AJJJ 6GET />T$40 ,X DOESN'T TAKE A G5IUS 6"K T A P]SON :O E>NS 4#BJ1JJJ ANNU,Y & SAVES 4#BJ A WEEK IS WOR? 4#A1JDJ M AT ! 5D ( ! YE> ?AN A MAN :O MAKES 4#AJJ1JJJ & SP5DS X ALL4 ,YR F/ PRIOR;Y %D 2 6SET A GOAL4 ,= EXAMPLE1 Y MAY WANT 6TAKE A P5 & PAP] & WRITE "S?+ L1 8,SIX YE>S F TD ,I AM GO+ 6H A NET WOR? ( 4#AJJ1JJJ40 ,SCRIPTURE TELLS U TO1 8,WRITE ! VI.N & MAKE X PLA9 ON TA#TS1 T HE MAY RUN :O R1DS X40 7,HABAK KUK #B3B7 ,"S?+ EXCIT+ HAPP5S :5 WE *OOSE A T>GET4 ,SU45LY WE 2G9 6NOTICE OPPORTUNITIES T WE H IGNOR$ = YE>S4 ,X'S L ! 5D.S R[S ( SEEM+LY MONOTON\S HOMES T L9E ! /REETS ( \R NEIDLY TAKE ANY NOTICE4 ,B ONCE WE H AN OBJECTIVE T 9CLUDES R1L E/ATE1 \R VIEW IS 5TIRELY *ANG$4 ,MONOTONY FADES4 ,WE 2G9 6LOOK AT ! L&SCAP+1 ! PA9T JOB1 EV5 ! P T LIVE 9 !M4 ,GOALS *ANGE \R \TLOOK4 ,Y MAY 2 AM;G ! MILLIONS ( ,AM]ICANS :O >E PAY+ R5T4 ,"!'S NO?+ WR;G ) X UN.S Y PLAN 62COME W1L?Y4 ,! P]SON :O PAYS A MON?LY *ECK 6! L&"L HAS ONLY "O COLLEC;N AT ! 5D ( ! YE>3 A PILE ( USE.S RECEIPTS4 ,N"O ( X C 2 DEDUCT$ F ,F$]AL ,9COME ,TAXES S9CE R5T IS ALL PD ) 8AF TAX0 DOLL>S4 ,Y MAY ASK1 8,H[ C ,I G F LIV+ 9 A R5T$ A"P;T 6HAV+ A H\SE 6R5T80 ,LET ME MAKE X SIMPLE4 ,IF Y'VE BE5 PAY+ YR MON?LY BILLS ON "T1 A CR$IT HI/ORY HAS BE5 E/ABLI%$4 ,Y MAY WANT 6TAKE A SMALL LOAN ) YR BANK J 6PROVE YR CR$IT 8WOR?I;S04 ,YR GOAL IS 6H ! REPORT SAY1 8,? P]SON'S A GD RISK40 ,EV5 IF Y >E S+LE1 X DOESN'T MAKE M* DI6];E4 ,IMMLY1 2G9 6SE>* = A 8/>T]0 HOME 6BUY & 6LIVE IN4 ,Y SAY1 8,BILL1 ,I DON'T H ANY M"OY40 ,WELL1 IF Y H 5 6PAY R5T1 T %D 2 5 S9CE WE >E AL GO+ 64CUSS H[ 6BUY R1L E/ATE ) NO M"OY D[N4 ,"! >E _M TYPES ( PROP]TY 9VE/;TS Y C MAKE1 & ,I'VE D"O !M ALL3 S+LES1 D\#S1 F\R-UNITS1 A"P;T BUILD+S1 -M]CIAL1 & %OPP+ C5T]S4 ,B "O /&S H1D & %\LD]S ABV ! RE/3 ! 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FUNDA;TALS4 ,Y'LL GET A COLLEGE $UC,N 9 F9ANC+1 MANAGE;T1 NEGOTIAT+1 BUY+1 & IMPROV+4 ,:5 Y />T MODE/LY1 A SMALL MISTAKE WON'T L1VE Y BANKRUPT4 ,SIX3 ,X'S EASY 6GET />T$4 ,S9CE ? IS ! MO/ PL5TI;L =M ( R1L E/ATE1 "!'S ALW A PLACE 62G94 ,SEV53 ,YR 9VE/;T HAS OP;NS4 ,: WD Y R H3 ALL YR M"OY TI$ UP 9 AN EIATE PIECES ( PROP]TY8 ,EV5 IF "! IS A R\< SITU,N AT "O LOC,N1 Y'VE GOT S"EAL O!RS 6ABSORB ! DI6ICULTY4 ,Y EV5 H ! OP;N ( TRANSF]R+ YR EQU;Y 9 6ANO!R ( YR PROP]TIES & [N+ "O OR TWO 8FREE & CLE>40 ,EIE *OICES 9 YR E/ATE4 ,DOESN'T X MAKE S5SE 6H AN E/ATE T IS ALR DIVID$1 R ?AN H YR FAMILY FACE T DILEMMA8 ,N9E3 ,Y C *OOSE ! AM.T ( 9VOLVE;T4 ,I "K A RETIR$ LADY :O [NS R5TAL PROP]TY %E HASN'T SE5 9 S"EAL YE>S4 ,A LOCAL R1L E/ATE FIRM MANAGES X = H] = A SMALL P]C5T ( ! GROSS 9COME4 7,^! RATES >E USU,Y F #E P]C5T 6#AJ P]C5T DEP5D+ ON ! S]VICES REQUIR$47 ,T53 ,X'S A GRT ,89SUR.E POLICY40 ,IF Y 7 6DIE TM1 YR PROP]TIES WD 3T9UE 6PRODUCE 9COME = YR FAMILY4 ,A POLICY W EV5TU,Y 8RUN \01 B N R1L E/ATE4 ,9 FACT1 X KEEPS PACE ) 9FL,N4 ,"! >E _M O!R R1L E/ATE 9VE/;TS1 B N"O HAS ! T5 ADVANTAGES WE'VE \TL9$4 ,O!R ,9VE/;TS8 ,:AT AB VACANT L&8 ,IF Y'RE A DEVELOP]1 X MIE LOT IS N SELF-SUPPORT+4 ,ANY 9CR1S$ VALUE DEP5DS ON 3DI;NS Y C'T 3TROL4 ,AN ANALYSIS ( L& TRANSAC;NS 9 ,U4,S4 ,NEWS & ,_W ,REPORT /AT$ T IF YR L& ISN'T 9CR1S+ 9 VALUE AT L1/ #BJ P]C5T EA* YE>1 Y'RE SLID+ BACK W>D4 ,TAXES1 & 9T]E/ W EAT AWAY AT YR POT5TIAL4 ,H[ AB -M]CIAL PROP]TIES8 ,(FICE -PLEXES & RETAIL SPACE H "O MAJOR 4ADVANTAGE1 !Y >E AT ! M]CY (! ECONOMY4 ,:5 !Y 2COME VACANT1 !Y SEEM 6/AY T WAY = Q A :ILE4 ,>E 3DOM9IUMS A GD 9VE/;T8 ,-P>$ 6A DETA*$ HOME1 !Y L1VE M* 6BE DESIR$4 ,! MON?LY MA9T5.E FEE & UPKEEP (! PROP]TY >E \ ( YR H&S4 ,:AT AB AN A"P;T BUILD+8 ,! KEY 6SU3ESS IS GD ,MANAGE;T4 ,X'S AN >5A =! S1SON$ 9VE/OR1 & ,I'D RECOMM5D T Y SAVE ? SPECUL,N = LAT]4 8,": ,%D ,I ,2G980 ,I'M N ASK+ Y 6VISUALIZE BUY+ T5 PIECES ( 9VE/;T PROP]TY1 B ,I WANT ,,Y 6SEE YRF [N+ "O4 ,ONLY AF Y'VE FIX$ X UP &! R5T]S H MOV$ 9 W Y 2G9 6,SEE ! POT5TIAL4 ,Y MAY SAY1 8,I LIVE 9 AN A"P;T & Y'RE TELL+ ME 6GET R1DY 62COME A R1L-E/ATE 5TREPR5EUR8 ,X SC>ES ! LIFE \ ( ME60 ,! ?+ T W 3QU] FE> IS FAI?4 8,SEE0 YRF [N+ T "O H\SE4 ,I "K A P]SON :O _H A SECURE POSI;N )A L>GE -PANY & 0 TOLD1 8,WE'RE GO+ 6%UT D[N YR DIVI.N1 Y >E LAID ,(F ="E40 ,X 0 9 ! E>LY #AIGJ'S4 ,HE TOOK ! BOLD /EP ( PLAC+ A SECOND MORTGAGE ON 8 HOME 6PUR*ASE ANO!R HOME1 !N ANO!R1 & ANO!R4 ,TD HE IS COLLECT+ _M1 _M R5T *ECKS E MON?4 ,"H'S ! GRTE/ S+LE PIECE ( ADVICE ,I C "E GIVE Y REG>D+ ! BUILD+ ( W1L?4 ,I HOPE Y'LL REP1T X UNTIL X IS ET*$ 96YR MEMORY4 ,N"E SELL H\SES1 ONLY 8COLLECT0 !M4 ,0! "T Y H F9I%$ ^! *APT]S1 Y'LL LE>N T H\SES >E = BUY+1 N SELL+4 ,Y C OBTA9 ALL ! M"OY Y NE$ 6EXP& YR R1L E/ATE HOLD+S BY L"EAG+ ! PROP]TIES AL;G ! WAY4 ,9 A NUT%ELL1 ! HOME Y >E 3SID]+ SELL+ %D 2COME ! COLLAT]AL = A SECOND MORTGAGE T C GET Y 9 6! HOME Y WANT4 ,Y'LL AL PROBABLY 2 AMAZ$ 6LE>N T ! R5TAL 9COME ON YR OLD HOME W 2 5 6COV] BO? ! F/ & SECOND MORTGAGES4 ,FIFTE5 YE>S D[N ! ROAD Y'LL [N X FREE & CLE>4 ,:5 Y R1LIZE ! L;G T]M IMPACT ( KEEP+ T PROP]TY1 Y'LL N"E 3SID] SELL+ ANO!R H\SE AG4 ,BY ! "T Y R1* RETIRE;T1 Y WON'T J />T ?9K+ L A MILLIONAIRE1 Y W 2 "O4 ,! ,NUMB] ,( 8,Z]OeS0 ,X SEEMS L ONLY YE/]"D T MY KNEES WD KNOCK :5 ,I 0 >RANG+ A 4#AE1JJJ 8FLOOR PLAN0 6PUT C>S 9 MY %[ROOM4 ,B REC5TLY ,I TURN$ A 4#D.I MILLION 8D1L0 & X DIDN'T EV5 FAZE ME3 X 0 L A WALK 9 ! P>K4 ,:AT MADE ! DI6];E8 ,MY ?9K+ HAS TOT,Y *ANG$4 ,IF Y _H TOLD ME 9 #AIEG T ,I WD "S "D 2 GIV+ 8SIX-FIGURE0 *ECKS E YE> 6BO? ,UNCLE ,SAM & 6! "W ( ! ,"L1 ,I'D H LAU<$ \ L\D4 ,"! IS NO FUNDA;TAL *ANGE 9 ! BUSI;S PR9CIPLES ,I US$ YE/]"D & ^? ,I USE TD2 ! ONLY DI6];E IS 9 ! NUMB] ( 8Z]OS40 ,I'M / ! SAME ,BILL ,SWAD4 ,YR POT5TIAL IS J Z GRT4 ,IF Y'VE "E G"O "? ! PROCESS ( BUY+ OR SELL+ A HOME1 Y H A 8H&LE0 ON ! BASICS4 ,N[ Y NE$ 62G9 6?9K AB R1L E/ATE 9 T]MS ( BUILD+ W1L?4 ,IS X EASY8 ,I HOPE N4 ,NO?+ IS EASY EXCEPT WELF>E1 OR P]H SLEEP+ ON ! /REET4 ,:AT DOES X TAKE8 ,IF Y C KICK YR ,,TV HABIT & DEVOTE J FIVE 6T5 H\RS P] WEEK 6^! PR9CIPLES ( W1L? DEVELOP;T1 Y'LL 2 AMAZ$ AT :AT ! FUTURE HOLDS4 ,"!'S ,NO BETT] "T 62G94 ,,*APT] #B3 ,,TAKE ,,! ,,PLUNGE ,R5TAL PROP]TY IS 9 A CATEGORY ALL XS [N4 ,S9CE "EY"O NE$S A PLACE 6LIVE1 A R5TAL UNIT IS PRACTIC,Y RECES.N-PRO(4 ,:5 "TS >E BAD1 ! NUMB] ( R5T]S CR1TES A DEM& ON ! M>KET4 ,:5 ! ECONOMY IS FL\RI%+1 P >E A# 6PAY HI<] MON?LY FEES4 ,Z A R1L E/ATE [N]1 "! >E TWO FACTORS T PRACTIC,Y N"E /OP "W+ = Y3 9FL,N & APPRECI,N4 ,9FL,N ALL[S Y 6PAY (F YR PROP]TY 9 *1P] DOLL>S4 ,P]H Y'VE DRIV5 "? YR =M] NEIS4 ,UP ,UP ,UP6 ,9 ! AUTOMOBILE BUSI;S ,I'VE SE5 ! SAME PR9CIPLE AT "W4 ,! CO/ ( A NEW ,M]C$ES JUMP$ F 4#BD1JJJ 9 #AIGD 6OV] 4#FJ1JJJ FIFTE5 YE>S LAT]1 A SIMIL> MODEL4 ,A H\SE T Y'RE R5T+ TD = 4#CJJ A MON? PROBABLY R5T$ = 4#BJJ J T5 YE>S AGO4 ,B "!'S A BIG DI6];E 2T C>S & H\SES3 US$ C> VALUES DECR1SE :ILE US$ HOME VALUES 9CR1SE4 ,"H'S "S?+ T'S EV5 BETT]3 ,:ILE ! WOR? ( YR H\SE IS GO+ UP1 ! MORTGAGE IS GO+ D[N ) E MON?LY PAY;T4 ,PLUS1 YR R5T 9COME IS 9CR1S+ 2C ( 9FL,N4 ,Y SAY1 8,YES1 B ,I'VE GOT 6PAY 9T]E/40 ,2C Y >E GO+ 6DEDUCT ! 9T]E/ ON YR TAXES1 & 2C Y >E GO+ 68DEPRECIATE0 X OV] A FIX$ NUMB] ( YE>S 7WE'LL GIVE Y ! DETAILS 9 ,*APT] #D71 Y H A D\# ADVANTAGE4 ,"S P WORRY AB A4+ ! R5T 6_! 9COME1 B X W 2 M ?AN (FSET BY DEDUC;NS = 9T]E/ & DEPRECI,N ESPECI,Y IF Y H A SECOND MORTGAGE ON X4 ,A FR 9 ,FLORIDA B"\ A DUPLEX 9 A GD SEC;N ( ,=T ,LAUD]DALE = 4#AJJ1JJJ4 ,:5 Y F/ LOOK AT ! NUMB]S Y MIE 4#A1ACF 7#AA P]C5T = #AE YE>S74 ,B :AT IS 8 89VE/;T80 ,VIRTU,Y NO?+ S9CE HE TOOK A SECOND MORTGAGE & DIDN'T H 6TIE UP P]SONAL CA%4 ,PLUS1 HE RCVD SECUR;Y DEPOSITS ( 4#A1AEJ 6PUT 9 A M"OY M>KET A3.T4 ,! R5T 9 FIVE YE>S W 2 AB 4#A1DJJ A MON?1 B 8 PAY;TS W N *ANGE4 ,! BE/ "P IS T 9 #AE YE>S ! H\SE W 2 WOR? WELL OV] 4#BJJ1JJJ1 & X W 2 TOT,Y PD =4 ,9FL,N IS BUILD+ 8 W1L? "D AF "D1 EV5 :ILE HE SLEEPS4 ,8 R1L E/ATE HOLD+S H N[ R1*$ ! PO9T ": HE HAS #BG R5TAL *ECKS -+ 9 E MON?4 ,YR OBJECTIVE %D 2 6ATTA9 ! GRTE/ APPRECI,N POSSI# = YR 9VE/;T PROP]TY4 ,0TAK+ YR "T & MAK+ AN 89TELLIG5T0 PUR*ASE1 Y C D X4 ,(F ,6 ,! ,"R ,/>T ,Z Y 2G91 "H >E FIVE GUIDEL9ES T W HELP Y AVOID AN ,EXC$R9-SIZE H1DA*E4 #A4 ,/>T SE>*+ 9 AN >EA Y'RE FAMILI> )4 ,S9CE YR GOAL IS 6SEE ! VALUE 9CR1SE1 2 R1SONABLY SURE ! >EA ( ! C;Y HAS A POSITIVE FUTURE & WON'T 2COME ! VICTIM ( URBAN BLIEA T IS ON ! DECL9E4 #B4 ,BUY 9 AN E/ABLI%$ 8MI4LE CLASS0 NEIE VALID R1SONS :Y Y %D AVOID R5TAL UNITS 9 EI A W1L?Y OR A 8POOR0 "P ( T[N4 ,EXP]I;E %[S T ^? TWO GR\PS T5D 6BE LATE ON _! R5T PAY;TS & >E M LIKELY 6DAMAGE YR PROP]TY4 ,PLUS1 L[ 9COME P SEEM 6DEM& _!1 8"RS10 & HI< 9COME P (T5 DEM& 8SPECIAL S]VICES40 ,AN AV]AGE WAGE-E>N] ) A /1DY JOB MAKES ! BE/ R5T] & IS LIKELY 6REMA9 9 ! UNIT =A M* L;G] P]IOD ( "T4 ,X IS AL WISE 6BUY 9 A -MUN;Y T HAS A DIV]SIFI$ ECONOMIC BASE4 #C4 ,ALW LOOK = ! 8WOR/ H\SE 9 A GD NEIN T ! VALUE ( A HOME IS N 9 ! QUAL;Y ( 3/RUC;N1 ! DESIGN1 OR ! SQU>E FOOTAGE4 ,! BOTTOM L9E = A PROFES.NAL R1L E/ATE APPRAIS] IS1 8,:AT H O!R HOMES 9 ! NEIGA9 ON ! PRICE1 & X W APPRECIATE M* FA/] AF Y'VE D"O ! "W4 #D4 ,MAKE SURE T 8AV]AGE0 R5T W COV] YR CO/S4 ,IF ! TYPICAL HOME 9 ! >EA R5TS = 4#FJJ A MON?1 DON'T BUY "S?+ T TAKES 4#GJJ 6OP]ATE4 ,YR GOAL %D 2 6PRICE YR R5T SLIKET S ! T5ANT W N 2 TEMPT$ 6MOVE4 #E4 ,BUY AN EXI/+ HOME4 ,UN.S Y'RE A 3TRACTOR & C BUILD AT 8CO/10 DON'T 2 TEMPT$ 63/RUCT A NEW HOME 6PLACE ON ! R5TAL M>KET4 ,S9CE A NEW DEVELOP;T HAS NO TRACK RECORD1 Y H NO ASSUR.E REG>D+ FUTURE VALUE4 ,PLUS1 :Y TIE UP YR H>D- E>N$ FUNDS DUR+ MON?S ( 3/RUC;N1 :5 Y C H R5TAL 9COME IMMLY F A H\SE T'S ALR BUILT4 ,MAKE SURE Y BUY :AT P >E LOOK+ =3 X'S USU,Y A L>GE TWO B$ROOM1 OR A SMALL ?REE B$ROOM HOME4 ,/>T ,:O LOCATES "S?+ Y EV5TU,Y BUY4 ,GET ,\ ,! ,PA9T ,BRU% ,IF Y WANT AN 9VE/;T T W APPRECIATE M* FA/] 9 VALUE1 ALW BUY A 8FIX] UPP]40 ,:5 Y BUY A RUN-D[N H\SE1 8Z IS10 Y'RE 9 A POSI;N 6/RIKE A GRT D1L4 ,B Y NE$ 6"K EXACTLY ! "W Y >E FAC+4 ,"! IS A GRT DI6];E 2T 8REPAIRS0 & 8IMPROVE;TS40 ,! F/ 7L A BROK5 WAT] H1T]7 CO/S M"OY1 :ILE ! SECOND 7A NEW LIE 9 BAD %APE4 ,ON 8COSMETIC0 IMPROVE;TS1 9CLUD+ EXT]IOR PA9T+1 Y %D C.T ON A #AJ 6#A RETURN ON YR 9VE/;T4 ,9 O!R ^WS1 = 4#AJJ Y %D R1LIZE AN 9CR1S$ VALUE ( 4#A1JJJ4 ,X GIVES ! H\SE :AT IS "KN Z 8CURB APP1L40 ,ON ! 9SIDE1 Y MAY NE$ 6UPDATE ! KIT*51 ! BA?S1 ! FLOOR+1 OR FIX CRACKS 9 WALLS & CEIL+S4 ,! RETURN ON 9VE/;T RATIO "H IS #D3A4 ,:5 Y GET 9 6PLUMB+1 H1T+1 & ELECTRICAL "W1 !Y MAY 2 NEC1 B Y >E D[N 6A #A3 #A RETURN RATIO4 ,"!'S NO SUB/ITUTE = A ?OR\< 9SPEC;N (! HOME Y'RE AB 6BUY4 ,IF Y C'T D X YRF1 ! M"OY Y PAY A PROFES.NAL 9SPECTOR IS WELL WOR? X4 ,6*ECK = ANY /RUCTURAL PRO#MS1 CRAWL "U ! H\SE1 & G UP 6! ATTIC4 ,TAKE A SCREWDRIV] & POKE >.D AT ! WOOD4 ,IF ! SCREWDRIV] GOES IN1 DON'T BUY X4 ,IF ! H\SE IS #BE YE>S OLD1 *ECK ! RO( 6SEE H[ L;G X HAS BE5 S9CE X 0 LA/ REPAIR$4 ,:AT AB ! 9SUL,N8 ,D ALL ! LIE GD B>GA9S 9 E -MUN;Y4 ,AT \R *UR* 9 ,COLUMBUS1 DUR+ A 8,SE$S ( ,GRT;S0 SEM9>1 A "Y BLACK LADY 7%E'S S+LE7 DECID$ 6PUT 9 6PRACTICE :AT ,I'VE BE5 5C\RAG+ P 6D4 ,%E HUNT$ UNTIL %E F.D A B>GA9 = LESS ?AN 4#BJ1JJJ & W5T 6"W4 ,>M$ ) A HAMM]1 A SAW1 & A FEW GALLONS ( PA9T1 %E FIX$ X UP & F.D "S R5T]S4 ,N[ %E HAS H] ?IRD H\SE & IS ON H] WAY 6F9ANCIAL SU3ESS4 ,! ,"L HAS ALR REW>D$ H] H>D "W4 8,HE 2COME? POOR T D1LE? )A SLACK H&3 B ! H& ( ! DILIG5T MAKE? RI*40 7,PROV]BS #AJ3D ,,KJV7 ,A MAN :O LIKES 69VE/ 9 DUPLEXES B"\ "O 9 ,=T ,LAUD]DALE = 4#EE1JJJ ) NO M"OY D[N4 ,HE FIX$ X UP HMF4 ,! PAY;TS >E 4#EIA A MON? AT #AJ P]C5T = #AE YE>S & X BR+S 9 4#FGE E MON?4 ,B J Z SURE Z ,GOD TURNS LL GRE5 APPLES 96R$ "OS1 T PROP]TY IS GO+ 6be BR++ 9 4#HJJ MON?LY1 !N 4#IJJ1 !N 4#A1JJJ4 ,H[ ,M* ,%D ,Y ,PAY8 ,TALK 6?REE R1L E/ATE 9VE/ORS & Y'LL GET ?REE DI6]5T 8RULES ( ?UMB0 REG>D+ H[ M* Y %D PUT 9 6YR UNIT4 ,_M 9VE/ORS WON'T T\* A PROP]TY UN.S !Y C PROJECT ! R5TAL 9COME 6be AT L1/ ?IRTY P]C5T 7#CJ P]C5T7 HI<] ?AN ! MORTGAGE PAY;T4 ,! 8SPR1D0 IS :AT !Y USE = TAXES1 MA9T5.E1 & MANAGE;T4 ,I'VE ALW US$ ! "O P]C5T GUIDEL9E T SAYS ! MON?LY R5T %D 2 AB "O P]C5T (! MORTGAGE Y ASSUME4 ,( C\RSE1 ,I'M USU,Y TALK+ AB #AJJ P]C5T F9ANC+ ON ! UNIT4 ,A 4#FJ1JJJ H\SE %D BR+ 9 4#FJJ MON?LY4 ,IF ! M>KET WON'T DEM& T R5TAL PRICE1 Y PROBABLY %DN'T BUY X4 ,AT ! />T Y'LL 2 CUTT+ X CLOSE1 B 9FL,N & APPRECI,N %D CAUSE ! NUMB]S 6"W )9 TWO YE>S F ! "T ( YR PUR*ASE4 ,DUR+ YR 8E>N+0 YE>S1 Y %D 2 PREP>$ 6PLACE A FEW DOLL>S 9 6YR 9VE/;T4 ,! "D Y RETIRE1 Y'LL 2 MIE PAY+ -P>$ )! APPRAIS$ VALUE2 !Y ALW BUY = LESS4 ,X'S A GD OBJECTIVE1 B GRT APPRAISALS DON'T ALW GU>ANTEE A H\SE T APP1LS 6R5T]S4 ,"! -ES A "T1 H["E1 :5 YR P]SONAL ECONOMIC 9DICATORS >E ! ONLY "OS T RE,Y C.T4 ,Y GOT 68TAKE ! PLUNGE40 ,Y'VE F.D ! "R H\SE 9 ! "R NEILY8 ,LET'S SAY Y F9.E 4#EJ1JJJ = #CJ YE>S4 ,AF PAY+ #BE YE>S ON ! MORTGAGE Y SU45LY DECIDE 6SELL4 ,IF ! P5ALTY CLAUSE IS = ?REE P]C5T1 Y'LL H 6PAY 4#A1EJJ 7#C P]C5T (! ORIG9AL AM.T (! MORTGAGE7 = AN E>LY PAY(F4 ,IF ! NEW MORTGAGE 3TA9S S* A CLAUSE1 DON'T SIGN X4 ,HAV+ ! P5ALTY CLAUSE DELET$ IS A SIMPLE MATT]1 B ONLY 2F X 2COMES A LEGAL DOCU;T4 ,Y SAY1 8,BILL1 T'S H[ MY 3TRACT R1DS1 :AT C ,I D AB X80 ,S9CE E AGREE;T IS DI6]5T1 Y NE$ 6"K EXACTLY H[ M* M"OY A RENEGOTIAT$ MORTGAGE WD ACTU,Y CO/4 ,= EXAMPLE1 IF ! 9T]E/ RATES H FALL51 ! REDUC$ PAY;TS MAY (FSET ANY P5ALTY4 ,OR1 ! DOLL>S SAV$ 0REDUC+ ! L5G? (! MORTGAGE MAY GRTLY \TWEI< ANY P5ALTY4 ,! "Q !N 2COMES1 8,H[ M* CA% W X TAKE 6RENEGOTIATE80 ,IF ! NUMB]S "W1 D X4 ,IF Y DON'T H A P5ALTY CLAUSE1 Y H S"EAL OP;NS4 ,YR F/ ?"\ W 2 6EX*ANGE ! #BE OR #CJ YE> MORTGAGE =A %ORT] "O4 ,B :AT AB 8PO9TS0 & LOAN ORIG9,N FEES8 ,W Y NE$ SIGNIFICANT CAPITAL 63V]T ! LOAN8 ,"!'S ANO!R ME?OD ( A3OMPLI%+ ! SAME ?+ )\T "E 4TURB+ YR PRES5T MORTGAGE4 ,X'S Z SIMPLE Z A4+ AN EXTRA AM.T 6YR MORTGAGE *ECK EA* MON?2 DESIGNAT+ X 6BE SUBTRACT$ F ! PR9CIPAL4 ,"H'S H[ X "WS4 ,ON YR #CJ YE> 4#GJ1JJJ MORTGAGE1 9/1D ( S5D+ A MON?LY *ECK = 4#FAD1 ADD 4#ACH 6X & S5D !M A *ECK = 4#GEB4 ,Z L;G Z Y "K T ANY EXTRA FUNDS W 2 APPLI$ 6! PR9CIPAL1 Y DON'T EV5 NE$ 6TELL !M :AT Y'RE DO+4 ,9 E6ECT1 Y'VE GOT A NEW MORTGAGE4 ,N[ Y'RE H1D$ =A #AE YE> PAY(F 9/1D ( #CJ4 ,Y'RE GO+ 6ELIM9ATE #AHJ MON?S ( PAY;TS & SAVE OV] 4#HE1JJJ J Z IF Y _H TAK5 \ A BR& NEW REDUC$-T]M LOAN4 ,REMEMB]1 9 ! F/ YE>S ( AN EXT5D$ LOAN1 YR ORIG9AL 4#FAD 0 ALM 5TIRELY 9T]E/4 ,B YR A4I;NAL 4#ACH IS #AJJ P]C5T PR9CIPAL3 AN AM.T T WD H TAK5 _M1 _M MON?S 6APPLY 6! ORIG9AL MORTGAGE4 ,ON A #AJ P]C5T LOAN1 ! F/ YE>'S 9T]E/ IS GO+ 6BE OV] 4#G1JJJ4 ,X'S NO WOND] ,I'VE HE>D S _M P -PLA93 8,MY MORTGAGE IS EAT+ ME UP60 ,:E!R Y TAKE \ A MORTGAGE OR BORR[ CA%1 ! PR9CIPLE IS ! SAME4 ,IF Y 3T9UE RENEW+ ! BAL.E & J KEEP PAY+ 9T]E/ Y'LL N"E GET X PD BACK4 ,YR ,BI7E/ 8,EM]G5CY0 ,/>T PAY+ "S?+ EXTRA ON YR MORTGAGE E MON?4 ,EV5 IF X'S 4#AJ OR 4#AE1 MAKE X A HABIT4 ,!N Z YR E>N+ P[] GR[S1 9CR1SE ! AM.T /1DILY UNTIL Y'RE ON A TRACK T L1DS Y \ (! D>K TUNNEL4 ,"! MAY 2 A MON? T Y'RE FAC$ ) AN EM]G5CY & Y C'T S5D ! EXTRA FUNDS4 ,MAKE SURE T DOESN'T HAPP5 TOO (T54 ,IF Y C VISUALIZE ! "T & TOIL Y >E SAV+1 YR BI7E/ 8EM]G5CY0 IS 6,PAY ! MORTGAGE (F E>LY4 ,9 \R *UR* 9 ,COLUMBUS1 ,OHIO1 WE APPLI$ ! SAME PR9CIPLE4 ,0REGUL>LY A4+ SUB/ANTIAL AM.TS 6DEBT RETIRE;T1 \R #AE ,YE> MORTGAGE 0 TOT,Y PD (F 9 J #DH MON?S4 ,Z AN 9VE/OR 9 R5TAL PROP]TY1 Y MIT )A #BJ YE> F9ANC+ ) NO P5ALTY = E>LY PAY(F !N1 ! MO;T YR R5T GOES UP & Y H A POSITIVE CA% FL[1 APPLY ! EXTRA 9COME 6,PPR9CIPAL REDUC;N4 ,AT ! />T1 A #BJ YE> MORTGAGE MAY MEET YR NE$S1 &! BANK'S REQUIRE;TS1 P]FECTLY4 ,B 0US+ ! ME?OD WE'VE J \TL9$1 Y C EASILY REDUCE ! PAY(F "T 6#AE YE>S1 OR EV5 LESS4 ,:5 ! H\SE IS SUB/ANTI,Y PD D[N1 Y NE$ 6BORR[ AG/ ! EQU;Y & BUY AN A4I;NAL 9VE/;T PROP]TY4 ,,*APT] #D3 ,,Y ,,C ,,BANK ,,ON ,,X6 ,MY SU3ESS 9 ! AUTOMOBILE BUSI;S IS BAS$ ON A 3CEPT ,I LE>N$ F "D "O3 8,,OPM IS ! KEY 6F9ANCIAL SU3ESS40 ,:AT IS ,,OPM8 ,O!R ,P'S ,M"OY4 ,I BORR[$ 4#A1JJJ F ! ,ECONOMY ,LOAN ,-PANY 6BUY ! ?REE US$ C>S 6PUT ON MY LL LOT4 ,GD CR$IT1 9TELLIG5T F9ANC+1 &! ,"L'S GUID.E H BE5 ! BACKB"O ( MY BUSI;S "E S9CE4 ,N[1 9 R1L E/ATE1 ,I USE ,,OPM E "D4 ,A MAN REC5TLY TOLD ME1 8,BILL1 ,I DON'T WANT 6[E ANY M"OY ON MY H\SE4 ,I J WANT X PD =4 ,HE 0 %OCK$ :5 ,I TOLD HM1 8,T'S PROBABLY ! DUMBE/ ?+ Y C D40 ,IF YR H\SE IS DEBT FREE ,I WD ADVISE Y 6TAKE A NEW MORTGAGE ON X = Z M* Z Y C4 ,USE ! M"OY 6PUT A SMALL D[N PAY;T ON "O1 TWO1 OR EV5 ?REE H\SES IF Y C SW+ X4 8,LIQUID0 ,& 8,SOLID0 ,MILLIONAIRE M5TAL;Y IS N"E 3C]N$ ) H[ M* IS [$ Z L;G Z Y H M ASSETS ?AN LIABILITIES4 ,R1L E/ATE IS ! ONLY PLACE ,I "K ": Y C 2 8LIQUID0 & 8SOLID0 AT ! SAME "T4 ,! KEY IS CA% FL[4 ,MAKE C]TA9 Y H A3ESS 6! FUNDS Y NE$ 6PAY E BILL 3NECT$ ) YR 9VE/;T4 ,! ONLY "T Y NE$ 6?9K AB DEBT FREE [N]%IP IS :5 Y >E R1DY 6RETIRE4 ,EV5 !N Y W PROBABLY WANT "S?+ 6O3UPY YR "T & 9T]E/4 ,J 2C A P]SON HAS TURN$ #FJ YE>S ( AGE %DN'T ,I KEEP !M F BUY+ APIECE ( R5TAL PROP]TY )A #AE YE> MORTGAGE4 ,P]H :5 Y'RE SEV5TY FIVE Y MIGA9 PRICE ( ONLY 4#AHE1JJJ4 ,!Y TELL _! FAMILY1 8,0! "T WE SELL \R H\SE & GET \R D[N PAY;T PUT TGR1 X'S GO+ 6/RET* \R F9.ES1 B WE >E GO+ 6D X40 ,! ,DOE'S >E AB 6MAKE A MONU;TAL MISTAKE4 ,!Y >E AB 62COME MOTIVAT$ SELL]S 9/1D ( MOTIVAT$ BUY]S4 ,UN.S ! SITU,N IS HIE COV]$4 ,:Y ,SELL8 ,LOOK AT ! FACTS4 ,IF Y SELL YR PRES5T H\SE Y PROBABLY WON'T H ANY M M"OY ?AN IF Y TOOK A SECOND MORTGAGE ON X4 ,:AT WD HAPP5 6! PR(IT F ! OLD H\SE8 ,X WD ALL G 96! NEW "O4 ,LET'S SAY YR PRES5T HOME IS WOR? 4#AJJ1JJJ & Y H A 4#EJ1JJJ PAY(F4 ,IF Y SOLD X1 Y'D PROBABLY SETTLE =A 4#IE1JJJ (F]4 ,! R1L E/ATE FIRM WD TAKE SIX P]C5T 74#E1GJJ71 L1V+ Y ) 4#CI1CJJ CA% 6MAKE YR D1L4 ,DOESN'T X MAKE S5SE 6TAKE A 4#DJ1JJJ SECOND MORTGAGE ON ! F/ H\SE1 R5T X \1 & EV5TU,Y [N TWO HOMES8 ,TW5TY YE>S F N[1 BO? HOMES WD H AT L1/ D\#D 9 VALUE & Y [N 4#EGJ1JJ WOR? ( DEBT-FREE R1L E/ATE4 ,DON'T 2 9TIMIDAT$ 0MORTGAGE BROK]S & LOAN (FIC]S4 ,!Y NE$ YR BUSI;S Z M* Z Y NE$ _! M"OY4 ,_M P1 = EXAMPLE1 DON'T "K T !Y C B>GA9 )! 8PO9TS0 *>G$ 0! L5D+ 9/ITU;N T MAKES ! LOAN4 8,PO9TS10 ANY "N1 CO/ Y M"OY4 ,!Y MAY 2 CALL$ 8LOAN ORIG9,N FEES10 OR 8PREP>,N FEES40 ,!Y >E / PO9TS4 ,"O PO9T EQUALS "O P]C5T (! AM.T (! MORTGAGE4 ,IF !Y WANT F\R PO9TS1 G AH1D & ASK1 8,:AT ANNUAL 9T]E/ WD ,I H 6PAY 6BR+ X D[N 6TWO PO9TS80 ,IF Y DON'T L _! ANSW]1 POLITELY EXCUSE YRF4 ,/>T 8%OPP+0 = YR MORTGAGE M"OY4 ,NO TWO L5D+ 9/ITU;NS >E ID5TICAL 9 _! POLICIES ON A GIV5 "D4 ,E/ABLI% A CR$IT RAT+4 ,PAY+ CA% = "EY?+ WON'T HELP Y GET A HOME MORTGAGE LOAN4 ,"W ) "O OR M BANKS4 ,GET 6"K _! LOAN (FIC]S4 ,YR GOAL %D 2 6E/ABLI% AN UNSECUR$ L9E ( CR$IT1 LET'S SAY 4#AJ1JJJ1 T Y C USE AT ANY "T4 ,X W HELP Y :5 Y NE$ 6CLOSE A D1L FA/4 ,OR Y MAY H 9/ANT CR$IT A3.TS AT ?REE BANKS )A 4#D1JJJ LIMIT4 ,"S P WORRY T 2C !Y >E SELF EMPLOY$1 !Y'LL 2 TURN$ D[N =A MORTGAGE4 ,YR CR$IT 8TRACK RECORD0 IS M* M IMPORTANT ?AN YR EMPLOY;T /ATUS4 ,A LOAN (FIC] MAY REQUE/ 6SEE YR REC5T TAX RETURNS 6V]IFY YR 9COME1 B !Y D MAKE LOANS 6SELF EMPLOY$ P4 ,TAKE ,A ,CLOSE ,LOOK ,Y AL NE$ 6LE>N Z M* Z POSSI# AB MORTGAGES4 ,AN 89SUR$0 MORTGAGE 9SURES ! L5D] AG/ LOS+ ! FUNDS HE'S LOAN$ Y4 ,= T R1SON1 Y MID 9SUR.E1 &! L5D]'S TITLE POLICY4 ,! SELL] PAYS = R1L E/ATE -MIS.N1 TITLE 9SUR.E OR AB/RACT1 LEGAL FEES 7SELL] PAYS 8 [N ATTORNEY71 PREP>,N (! NEW DE$1 & ANY /ATE OR LOCAL TRANSF] TAXES4 ,:AT AB 8FLEX RATE0 MORTGAGES8 ,6_M1 ! LURE ( 8FLOAT+ )! ECONOMY10 ON 9T]E/ RATES IS IRRESI/I# ESPECI,Y :5 YR />T+ RATE IS AB ?REE PO9TS 2L FIX$ RATE MORTGAGES4 ,9/1D ( PAY+ #AA P]C5T ANNUAL 9T]E/ Y MIT AT #H P]C5T4 ,B ?REE YE>S F N[ YR EYES W BL9K :5 Y SEE T Y'RE PAY+ #AE4 ,AVOID FLEX RATE MORTGAGES L ! PLAGUE4 ,Y C'T BUILD A SOLID ECONOMIC FUTURE ON %IFT+ S&4 #DA ,,W1L? ,,BUILD+ ,,/RATEGIES ,9 SEM9>S ,I'VE 3DUCT$ ON ? TOPIC1 ,I'VE (T5 BE5 ASK$1 8,BILL1 %D ,I REF9.E ! PRES5T MORTGAGE ON MY HOME80 ,UN.S X'S =A M* %ORT] T]M1 MY ANSW] IS 8,NO6 ,9 MY MORTGAGE -PANY1 ,I REC5TLY LOOK$ AT A LOAN ON ! BOOKS T 0 TAK5 \ = 4#AJD1JJJ4 ,X 0 A #AJ P]C5T LOAN = #AE YE>S & !Y N[ [$ AB 4#IE1JJJ ?\S& DOLL>S4 ,! P CAME & SD1 8,WE'D L 6REF9.E 6L[] \R MON?LY PAY;TS40 ,!Y WANT$ 6REF9.E X = #BJ YE>S4 ,"! 7 #AB YE>S REMA9+ ON _! PRES5T MORTGAGE AT T5 P]C5T4 ,B ! RATE ON _! NEW LOAN WD 2 #AA P]C5T4 ,I TOLD !M1 8,Y'RE N[ PAY+ 4#A1AAG A MON?4 ,6REF9.E ! 4#IE1JJJ BAL.E AT OV] #BJ YE>S W 2 4#IHJ A MON?40 ,B ,I W>N$ !M AG/ MAK+ ! MOVE4 ,!Y WD N ONLY 2 A4+ EIS 6_! MORTGAGE1 B WD ACTU,Y 2 PAY+ 4#GD1CEB 9 NEW 9T]E/4 ,X WD H BE5 A BAD BUSI;S DECI.N4 ,"! IS1 H["E1 A CASE T C 2 MADE = REF9ANC+ A H\SE T Y H B"\ 2L M>KET VALUE & H A4$ SUB/ANTIAL IMPROVE;TS4 ,B ,I WD ONLY D X 6EI PAY (F A SECOND MORTGAGE OR 69VE/ ! FUNDS 9 AN A4I;NAL PROP]TY4 ,:AT'S ,X ,RE,Y ,WOR?8 ,A C]TIFI$ APPRAISAL ( YR PROP]TY IS REQUIR$ 0VIRTU,Y ALL L5D+ 9/ITU;NS4 ,IF Y'RE PAY+ CA%1 BUY+ = LESS ?AN AN ALR L[ APPRAISAL IS GRT4 ,B IF Y'RE %OPP+ =A MORTGAGE1 Y WANT ! HIE ?REE BASIC APPROA*ES 9 APPRAIS+ R1L E/ATE4 #A4 ,! 8M>KET0 APPRAISAL4 ,X'S 0F> ! MO/ -MON & IS ! APPROA* YR BANK] IS LIKELY 6REQUIRE4 ,! VALUE (! H\SE IS DET]M9$ 0! REC5T SALES PRICE ( -P>A# HOMES 9 ! SAME NEIS OLD4 #C4 ,! 89COME0 APPRAISAL4 ,= Y1 ? MAY 2 ! MO/ IMPORTANT ( ALL4 ,F9D \ F YR R1LTOR H[ M* SIMIL> H\SES >E R5T+ =4 ,N"E PLAN 6ASK M4 ,=A QK RULE ( ?UMB1 MULTIPLY ! R5T "TS #AJJ & T'S ! MAXIMUM Y %D PUT 96! H\SE4 ,I SD 8PUT 9TO01 N ! PUR*ASE PRICE4 ,IF R5TS 9 ! NEIE 4#EJJ A MON?1 Y %D 9VE/ NO M ?AN 4#EJ1JJJ TOTAL4 ,IF Y H 6PUT 4#C1JJJ 96REPAIRS & IMPROVE;TS 2F R5T+ X \1 Y NE$ 6PAY NO M ?AN 4#DG1JJJ4 ,IF Y C BUY X = LESS1 X W HELP YR CA% FL[ AT ! 2G9N+4 ,:5 3SID]+ A NEW APPRAISAL ON A PROP]TY Y'VE [N$ = "S "T1 TIM+ IS ! KEY4 ,WAIT1 IF POSSI#1 UNTIL ! M>KET IS 8UP40 ,! HI<] ! APPRAISAL1 ! M L"EAGE Y H = MAXIMUM F9ANC+4 ,IF Y MAKE ! DECI.N 6REF9.E1 GET A NEW APPRAIS] & TRY 6BORR[ F A NEW BANK4 ,! OLD "OS MAY ONLY REMEMB] ! ORIG9AL 3DI;N ( YR PROP]TY & ASSIGN A L[ VALUE4 ,L5D]S USU,Y 9SI/ T ! ASSESS;T 2 D"O BY 8_!0 APPRAIS]S4 ,!Y ALW USE ,M4,A4,I4 7,MEMB] ,APPRAIS]S ,9/ITUTE74 ,IF Y D YR HOME"W1 Y C JUMP ? HURDLE4 ,CALL ! BANK'S LOAN DE"P;T & SAY1 8,I WANT 6GET A PIECE ( PROP]TY APPRAIS$ 0A GD ,M4,A4,I4 ,:O D Y USE80 ,PH"O T P]SON & TELL HM Y WANT ! HIS !Y USU,Y TACK ON 6! APPRAISAL CO/1 HE'LL PROBABLY G AL;G4 ,B Y'LL GET A L>G] LOAN 2C ! APPRAIS$ VALUE IS HI<]4 ,BUILD ,A ,GRT ,T1M ,IF Y'RE S]I\S AB W1L? BUILD+1 GET ! BE/ TAX A3.TANT POSSI#4 ,NOTICE1 ,I DIDN'T SAY ! MO/ EXP5SIVE4 ,MY EXP]I;E HAS BE5 T PLU% (FICES & CORPORATE /A6S >E N :AT RE,Y C.TS4 ,! BRILLIANT M9D (! 9DIVIDUAL IS F> M IMPORTANT4 ,ASK1 ASK1 & KEEP ASK+1 UNTIL Y HE> AB "S"O T S.DS P]FECT = YR NE$S4 ,!N1 DON'T -MIT YR BUSI;S UNTIL Y H A FIRM "U/&+ ( 8 CO/S1 & H[ M* "T HE EXPECTS YR MATT]S W TAKE4 ,IF Y'RE GO+ 6?9K L A MILLIONAIRE1 F9D A TAX A3.TANT T "U/&S Y & YR BUSI;S3 "S"O :O 2LIEVES Y "\ 6KEEP Z M* M"OY POSSI# & GIVE ! GOV]N;T ONLY :AT IS "R;LLY [$4 ,9VE/+ 9 R5TAL PROP]TY HAS "S TREM5D\S TAX ADVANTAGES4 ,A 8Z]O0 TAX SITU,N HAPP5S :5 YR 8,PAP] LOSSES0 (FSET YR O!R 9COME4 ,9 R1L E/ATE1 WE >E TALK+ AB DEPRECI,N4 ,AL? A H\SE MAY 2 9CR1S+ 9 VALUE1 ,UNCLE ,SAM ALL[S Y 6TR1T X J ! OPPOSITE4 ,Y >E ALL[$ 6WRITE (F A POR;N ( T 8>TIFICIAL0 LOSS4 ,A 8/RAI DEPRECI,N (A 4#AEJ1JJJ /RUCTURE 7! L& C'T 2 DEPRECIAT$7 ALL[S Y 6DEDUCT 4#E1JJJ A YE>4 ,YR A3.TANT W REVIEW ALL ! OP;NS Y C *OOSE4 ,PLUS Y / DEDUCT ALL ! TAXES1 REPAIRS1 MA9T5.E1 IMPROVE;TS1 9SUR.E1 & _M O!R EXP5SES4 ,:AT AB CAPITAL GA9S TAX8 ,T ONLY HAPP5S :5 & IF Y SELL ! HOME4 ,Y C TAKE MORTGAGES AG/ X OR REF9.E Z _M "TS Z Y WANT )\T HAV+ 6PAY TAXES ON CA% RCVD4 ,YES1 ! R5T IS 9COME1 B Y W 5JOY A V FAVORA# TAX TR1T;T4 ,"! >E TWO O!R P Y NE$ 6GET ON YR 8MA/] M9D0 T1M4 ,F9D ! BE/ R1L E/ATE ATTORNEY 9 YR >EA1 & GET AN \T/&+ 9DEP5D5T 9SUR.E AG5T4 ,KEEP SE>*+ UNTIL Y >E M ?AN SATISFI$ ) YR *OICE4 ,LI/5 CLOSELY 6_! ADVICE4 ,"!'S UNLIMIT$ W1L? 6BE MADE 9 R1L E/ATE4 ,S9CE K IS P[]1 Y NE$ 6ABSORB ALL Y C AB MORTGAGES1 9T]E/ RATES1 APPRAISALS1 TAX MATT]S1 &! 9TELLIG5T USE ( 8,,OPM40 ,"!'S A GRT DI6];E 2T TAK+ A RISKY *.E & MAK+ A "R *OICE4 ,WISE DECI.NS REG>D+ R1L E/ATE C MAKE Y W1L?Y4 ,Y C BANK ON X6 ,,*APT] #E3 ,,CLOS+ ,,! ,,D1L ,0N[ Y MAY 2 SAY+1 8,BILL1 ,I'M EXCIT$ AB :AT Y'VE BE5 TELL+ ME4 ,I'M R1DY 6/>T40 ,P]H Y'VE TAK5 A P5 & PAP] & MADE "S F9ANCIAL PROJEC;NS =! NEXT FIVE OR T5 YE>S4 ,Y MAY H EV5 CIRCL$ "S ADS 9 ! CLASSIFI$ PAGES & DRIV5 6A FEW NEIT]0 H\SE4 ,= _M1 H["E1 "!'S A WIDE GULF 2T 8?9K+ AB X0 & GETT+ 9VOLV$4 ,Y'LL N"E R1LIZE YR W1L? POT5TIAL UNTIL Y F9D ! 9VE/;T1 MAKE ! (F]1 & CLOSE ! D1L4 ,Y ASK1 8,BILL1 :AT IS Y'RE BE/ ADVICE REG>D+ NEGOTIAT+ = MY F/ PROP]TY80 ,YR GOAL %D 2 6L"EAGE YR M"OY =! GRTE/ POSSI# GA94 ,T M1NS PUTT+ 9 ! SMALLE/ AM.T ( CA% Y C4 ,= EXAMPLE1 IF Y PUT 4#AJ1JJJ D[N ON A HOME T 9CR1S$ 9 VALUE 4#B1EJJ1 Y'D 2 GETT+ A #BE P]C5T RETURN ON YR 9VE/;T4 ,B IF Y ONLY PUT 4#B1EJJ D[N1 Y'D 2 GETT+ A #AJJ P]C5T RETURN4 ,ANO!R "Q ,I'M (T5 ASK$ IS1 8,C Y / BUY PROP]TY ) NO M"OY D[N80 ,BUY ,)\T ,CA%8 ,ACQUIR+ PROP]TY ) NO P]SONAL CA% IS N ONLY POSSI# B ?\S&S ( S* TRANSAC;NS >E HAPP5+ ALL ! "T4 ,"! >E P :O ACTU,Y PREF] T YR (F] 2 /RUCTUR$ T WAY4 ,! TYPICAL 8NO M"OY0 D[N >RANGE;T IS 6TAKE TWO SEP>ATE MORTGAGES ON ! PROP]TY3 "O F ! L5D+ 9/ITU;N & "O F ! SELL]4 ,MO/ P1 H["E1 N"E ?9K ( GO+ 6! P]SON (F]+ ! PROP]TY F/4 ,W ! SELL] AGREE 6H&LE ! MAJOR MORTGAGE8 ,Y'LL N"E "K UNTIL Y ASK4 ,I "K ( _M CASES ": AN ELD]LY C\PLE--R1DY 6MOVE 96A RETIRE;T VILLAGE OR A SMALL] H\SE-->E M ?AN ANXI\S 6A3EPT :AT IS CALL$ 8[N] F9ANC+40 ,!Y ACTU,Y FAVOR X 2C !Y W H A /1DY MON?LY 9COME R ?AN H 6D1L )A L>GE AM.T ( CA%4 ,[N] F9ANC+ IS ! L1/ EXP5SIVE MORTGAGE Y C F9D4 ,Y'LL AVOID HI< CLOS+ CO/S & X W USU,Y RESULT 9 A L[] 9T]E/ RATE4 ,(F] 6PAY AB "O P]C5T M ?AN ! CURR5T RATE !Y C GET = PUTT+ _! CA% 9 ,C]TIFICATES ( ,DEPOSIT 7;,,CD'S74 ,ONCE T "P (! D1L IS FIRM1 G 6A BANK & ASK =A SECOND MORTGAGE4 ,TELL YR LOAN (FIC] ! FACTS4 8,I'M BUY+ ? H\SE = 4#FJ1JJJ4 ,!Y >E GO+ 6TAKE BACK A F/ MORTGAGE = 4#DE1JJJ & ,I NE$ 4#AE1JJJ Z A SECOND MORTGAGE40 ,EV5 IF Y H 6USE ! EQU;Y 9 YR PRES5T HOME 6MAKE X "W1 TRY 6GET #AJJ P]C5T F9ANC+4 ,( C\RSE1 Y'LL H 6PAY ! GO+ 9T]E/ RATE ON ! BANK'S "P (! F9ANC+4 ,N[ LET'S LOOK AT ! SAME PUR*ASE F ANO!R P]SPECTIVE4 ,? "T ! L5D+ 9/ITU;N PROVIDES ! F/ MORTGAGE1 B Y'RE GO+ 6ASK ! SELL]S =A SECOND MORTGAGE4 ,EV5 IF !Y AT F/ REFUSE1 -E BACK AF Y H A FIRM -MIT;T F ! L5D+ 9/ITU;N4 ,TELL ! SELL]S1 8,Y'LL 2 GETT+ A *ECK = 4#DE1JJJ F ! BANK4 ,B ! ONLY WAY ,I C SW+ X IS IF Y'LL GIVE ME A SECOND MORTGAGE = 4#AE1JJJ4 ,SPELL \ ! 9T]E/ RATE4 ,:5 Y TELL !M H[ M* _! MON?LY *ECK F Y W 2 =! NEXT FIVE YE>S !Y'LL PROBABLY AGREE4 ,!Y'LL 2 A# 6SEE T 8,SOLD0 SIGN ON _! PROP]TY4 ,2LIEVE ME1 Y C BUY R1L E/ATE ) NO CA% D[N4 ,"T ,6,Be ,CR1TIVE ,"O FELL[ :O WANT$ 6GET 96R5TAL HOME [N]%IP L1S$ A PROP]TY ) AN OP;N 6BUY4 ,! /IPUL,N 0 T #EJ P]C5T ( 8 L1SE PAY;TS CD 2 APPLI$ T[>D ! D[N PAY;T IF HE AGRE$ 6PUR*ASE 0A C]TA9 DATE4 ,HE AL _H AN AGREE;T T ALL[$ HM 6SUBLET1 : HE DID4 ,?REE YE>S LAT]1 HE EX]CIS$ 8 8BUY0 OP;N &! D[N PAY;T 0 TAK5 C>E (4 ,ANO!R C\PLE ) VIRTU,Y NO FUNDS1 US$ ! 89/ALL;T0 D[N PAY;T ME?OD4 ,6-E UP )A 4#C1JJJ D[N PAY;T1 !Y (F]$ 6PAY 4#EJJ A MON? 9/1D ( 4#DJJ =! F/ #CJ MON?S4 ,! MOTIVAT$ SELL] AGRE$4 ,X'S AL POSSI# 6SAVE M"OY 0APP1L+ 6A P]SON'S 8GRE$0 R ?AN _! 8NE$40 ,A C\PLE F.D A H\SE T 0 SELL+ = 4#FJ1JJJ ) 4#F1JJJ D[N4 ,!Y (F]$ 6BUY X = AN 9CR1S$ PRICE ( 4#FB1JJJ ) 4#A1JJJ D[N &! SELL]S TOOK X6 ,DON'T OV]LOOK P]SONAL POSSES.NS :5 LOOK+ = FUNDS 69VE/ 9 A H\SE4 ,Y MAY [N A BOAT WOR? 4#D1JJJ4 ,(F] X Z A D[N PAY;T & Y MAY 2 SURPRIS$ AT ! RESULT4 ,9 R1L E/ATE1 Y'LL F9D YR GRTE/ B>GA9 :5 Y D1L )A TRULY MOTIVAT$ SELL]4 ,_! RU% 6UNLOAD ! PROP]TY CD 9CLUDE PRO#MS ) CURR5T R5T]S 7,SL[ 6PAY OR DAMAGE 6! PROP]TY71 FAC+ HI< MA9T5.E BILLS1 MOV+ \ (! C;Y1 A 8TIR$0 PROP]TY [N]1 !Y NE$ "S CA%1 !Y >E HAV+ P]SONAL PRO#MS1 ! H\SE HAS BE5 ON ! M>KET TOO L;G4 ,:AT"E ! R1SON1 USE 8 MOTIV,N 6A3OMPLI% YR GOALS = BUY+ ! PROP]TY4 ,H[ D Y GET ! BE/ D1L8 ,"H >E N9E IMPORTANT GUIDEL9ES4 ,N9E ,RULES ,= ,GETT+ ,! ,BE/ ,D1L #A4 ,GET 6"K ! SELL]4 ,F9D \ EXACTLY :Y HE IS SELL+4 #B4 ,H AN 8ESCAPE0' CLAUSE 9 YR (F]4 ,"S?+ L1 8,? ,(F] IS DEP5D5T ON MY OBTA9+ SATISFACTORY F9ANC+40 ,OR1 8,? (F] IS DEP5D5T ON MY RCVG A SATISFACTORY 9SPEC;N REPORT F MY 3TRACTOR40 MAKE SURE "! IS A WAY \1 &! D1L IS YRS 6TURN D[N4 #C4 ,PLACE ! SMALLE/ POSSI# DEPOSIT ON ! (F]4 ,DON'T TIE UP YR CA% :5 X'S N NEC4 #D4 ,GIVE ! SELL] A V %ORT "T 6A3EPT YR (F]4 ,=CE A RESPONSE 9 ?REE OR FIVE "DS4 #E4 ,DEM& A TITLE 9SUR.E POLICY =! AM.T (! PUR*ASE PRICE2 "O T GU>ANTEES Y A 8M>KETA#0 TITLE4 ,T WAY Y'LL "K ANY CLAIMS AG/ ! PROP]TY4 7,! PREMIUM IS PD 0! SELL]1 & IS YRS = Z L;G Z Y [N ! H\SE47 #F4 ,GET A SPECIFIC "T ( POSSES.N4 ,IF ! PRES5T [N]S /AY 2Y T DATE1 !Y 2COME R5T]S4 #G4 ,MAKE A L[1 L[ (F]4 ,A HIE ASK+4 #I4 ,CLOSE )! 8,OKAY1 B0 APPROA*4 ,:AT Y >E SAY+ IS "S?+ L1 8,I'LL PAY Y :AT Y >E ASK+1 B ,I WANT Y 6C>RY A SECOND MORTGAGE =! AM.T (! D[N PAY;T40 ,!N "N YR 9T]E/ RATE4 ,OR Y MAY SAY1 8,OKAY1 B Y'LL H 6PAY ! CLOS+ CO/S40 ,SAV+ 4#HJJ ? WAY A6ECTS YR CA% FL[ M* M ?AN BUY+ ! H\SE 4#HJJ *1P]4 ,PLAN AH1D4 ,"K EXACTLY ": Y >E H1D$ :5 Y />T ! NEGOTIAT+ PROCESS4 ,:5 Y >E BUY+ A H\SE1 TAKE ,*>GE (! B>GA9+4 ,YR GOAL %D 2 6EI BUY X AT YR PRICE1 OR BUY X ON YR T]MS4 ,9 FACT1 DON'T 2 AFRAID 6SP1K ^? ^WS \ L\D 9 MAK+ ! D1L4 ,G AH1D & SAY1 8,IF X'S GO+ 6BE YR PRICE1 !N X'S GO+ 6BE MY T]MS40 ,BETT] YET1 G = BO? 9 YR FAVOR4 ,9 R1L E/ATE NEGOTI,NS1 DON'T 2 TEMPT$ 0! 8GRT] FOOL !ORY04 ,T'S ! 3CEPT T SAYS1 8,ANYBODY W PAY ANY PRICE = ANY?+ IF HE FEELS A GRT] FOOL W -E AL;G & (F] HM A GRT] PRICE40 ,Y %D WORRY AB PRICE4 ,ALW "W T[>D ! L[E/ CO/ )! L[E/ POSSI# CA% D[N PAY;T4 ,S9CE Y'RE N PLANN+ 6SELL ! HOME1 Y'RE N 3C]N$ ) F9D+ A 8FOOL0 =A BUY]4 ,Y'LL [N T HOME :5 X HAS D\#D1 TRIPL$1 & P]H EV5 QUADRUPL$ 9 VALUE4 ,?9K AB A HOME T Y MAY H SOLD "S YE>S AGO4 ,H[ M* DID Y SELL X =8 ,:AT'S X WOR? N[8 ,Y'VE ,GOT ,6,/>T ,I'VE D"O A LOT ( -PLICAT$ F9ANC+ OV] ! LA/ ?REE DECADES4 ,AT "O "T ,I [N$ SIX MAJOR AUTOMOBILE D1L]%IPS AT ! SAME "T4 ,B :5 X -ES 6F9ANC+ & CA% FL[1 "EY?+ "WS ! SAME BIG OR LL4 ,DON'T 2 FE>;L ( />T+ SMALL4 ,EV5 M IMPORTANT1 DON'T 2 AFRAID ( />T+4 ,"S"O REC5TLY TOLD ME1 8,BILL1 ,I ?9K ! "T = MAK+ BIG M"OY 9 R1L E/ATE IS OV]40 8,=GET X60 ,I TOLD HM4 8,"!'S ALW GO+ 6BE A M>KET40 ,X'S L ! MAN :O SD 6A FR1 8,I DON'T ?9K ! CURR5T M>KET 3DI;NS >E "R4 ,X CD TAKE ME FIVE YE>S 6GET ": ,I WANT 6BE40 ,HE ?"\ FIVE YE>S 0 TOO L;G1 & HE'D 2 TOO OLD 65JOY 8 SU3ESS4 ,S HE WANT$ 6WAIT =! M>KET 6IMPROVE4 ,! MAN ASK$ HM1 8,H[ OLD W Y 2 9 FIVE YE>S80 8,?IRTY-"O10 0 ! REPLY4 8,H[ OLD W Y 2 9 FIVE YE>S IF Y DON'T D ANY?+80 8,?IRTY "O40 ,HE GOT ! PO9T4 ,ISN'T X "T 6F9D YR F/ 9VE/;T PROP]TY8 ,ISN'T X "T 6MAKE AN (F]1 6F9D ! F9ANC+1 & NEGOTIATE ! T]MS8 ,G AH1D & CLOSE ! D1L6 ,,*APT] #F3 ,,XS ,,YR ,,TURN ,,6,,PROSP] ,! GRT NEWS AB 9VE/;T PROP]TY IS T "! W ALW 2 R5T]S4 ,! KEY IS F9D+ ! "R P = YR PROP]TY4 ,H[ D Y PICK A GD P]SON 6TAKE C>E ( YR H\SE8 ,H[ C Y *OOSE ! P]FECT P]SON 6MAKE YR MORTGAGE PAY;TS = Y8 ,C Y 2 SURE !Y W TAKE C>E ( YR PROP]TY S T ! VALUE 3T9UES 69CR1SE :ILE Y >E CRUIS+ ! ,C>I21N8 ,0SP5D+ "S EXTRA "T SELECT+ ! "R R5T]S1 Y'LL AVOID NE$.S A7RAV,N REG>D+ ! SECUR;Y ( YR 9VE/;T4 8,X'S ,L ,CAT*+ ,FI%0 ,! PROCESS />TS ! MO;T Y ADV]TISE ! H\SE = R5T4 ,ATTRACT+ POT5TIAL R5T]S IS L CAT*+ FI%3 Y'VE GOT 6PUT ! "R BAIT ON ! HOOK4 ,9 YR ADV]TISE;T1 GIVE ! G5]AL >EA1 B N ! H\SE NUMB]4 ,MAKE !M CALL Y4 ,IF Y W R5T 6*N1 PUT X 9 ! AD4 ,AL1 S9CE YR "T IS VALUA#1 /ATE ! H\RS Y'LL A3EPT CALLS4 ,N"E MAKE AN APPO9T;T 6%[ ! H\SE4 ,TELL E CALL] ! SAME ?+1 8,I'LL 2 "! 2T #E3JJ P4M4 & #F3JJ P4M40' ,H "EY"O :O RESPONDS 6! AD -E AT ! SAME "T4 7,? IS ESPECI,Y HELP;L IF Y H T5ANTS 9 ! HOME47 ,KEEP ! AD RUNN+ & %[ X E "D UNTIL X IS R5T$4 ,LET P WALK "? ! H\SE ON _! [N4 ,H A R5TAL AGREE;T H&Y IF !Y'RE R1DY 6FILL \ ! APPLIC,N4 ,N"E TELL ANY"O !Y'VE GOT ! H\SE 8ON ! SPOT40 ,!Y MAY WANT 6PUT M"OY 9 YR H& & CLOSE ! D1L1 B DON'T 2 TEMPT$4 ,A ?OR\< *ECK IS AN ABSOLUTE M/4 ,/>T 9VE/IGAT+ !M IMMLY4 ,LOOK AT _! C>4 ,IF X'S A WRECK1 YR HOME W PROBABLY LOOK T WAY 2F L;G4 ,! =M Y GIVE !M %D 9CLUDE "QS 3C]N+ _! R5TAL RECORD4 ,H[ L;G H !Y BE5 AT _! PRES5T A4RESS8 ,IF X'S LESS ?AN TWO YE>S1 F9D \ ": !Y LIV$ 2F T4 ,GET _! "W RECORD4 ,ASK = F9ANCIAL 9=M,N & _! OP5 CR$IT A3.TS4 ,IF !Y DON'T H A *ECK+ OR SAV+S A3.T1 Y'VE LIKELY GOT A PRO#M ON YR H&S4 ,ASK IF !Y >E ON ANY GOV]N;T ASSI/.E PROGRAM1 & H[ _M P WD 2 LIV+ 9 ! HOME4 ,*ECK1 ,*ECK1 ,*ECK ,ALW *ECK ) "S"O :O "KS ! PROSPECTIVE T5ANT4 ,Y MIE !Y WON'T PAY Y EI4 ,IF !Y TELL Y H[ BAD _! PRES5T L&"L IS1 RE/ ASSUR$ !Y'LL SOON 2 MOV+ \ SAY+ ! SAME ?+ AB Y4 ,%D Y (F] A "O YE> L1SE OR A MON?LY R5TAL AGREE;T8 ,I'VE _H EXCELL5T SU3ESS ) L1SE AGREE;TS1 B !Y GIVE ! R5T] F> M SECUR;Y ?AN !Y GIVE Y4 ,X GIVES !M A GU>ANTE$ PRICE1 B :AT IF Y _H AN EM]G5CY & 7 =C$ 6SELL ! PROP]TY & MOVE !M \8 ,M & M L&"LS USE A MON?LY R5TAL AGREE;T )A 8#CJ "D NOTICE0' CLAUSE4 ,T M1NS IF Y WANT 69CR1SE ! R5T1 Y C D X EASILY4 ,REMEMB]1 :5 A P]SON DECIDES 6PACK UP & MOVE1 !Y'LL D X REG>D.S ( :AT K9D ( AGREE;T Y H4 ,EV5 IF !Y BR1K A L1SE1 X W PROBABLY CO/ Y M ?AN X'S WOR? 6*ASE !M D[N4 ,S9CE "! IS NO S* ?+ Z A /&>D R5TAL AGREE;T ,I SU7E/ T Y CALL "S P :O H R5TAL UNITS 9 YR -MUN;Y & ASK =A COPY ( _!S4 ,:5 Y H SE5 A FEW1 TAKE ! BE/ SEC;NS ( EA* & WRITE YR [N AGREE;T4 ,! "D Y SIGN ! 3TRACT1 COLLECT A *ECK =! F/ MON? 9 ADV.E1 PLUS A SECUR;Y DEPOSIT EQUAL 6"O MON?'S R5T4 ,IF ! R5T IS 4#FIJ1 Y C PUT ! DEPOSIT ( 4#FIJ 9 AN 9T]E/-BE>+ A3.T T W HELP TAKE C>E ( ANY NEGATIVE CA% FL[ Y MAY H4 ,"T ,6 ,FIX ,! ,FAUCET ,:5 MA9T5.E IS NE$$1 Y C D X YRF1 HIRE A 8H&YMAN10 OR LET ! R5T]S D ! "W4 ,IF ! POR* NE$S PA9T+1 Y MIP5T] 4#CJ = "S?+ Y,\ C FIX )A SCREWDRIV] 9 #BJ M9UTES8 ,AL1 TRY 6MAKE REPAIRS 2T T5ANTS & D !M QKLY S9CE "T IS M"OY4 ,IF A 3TRACTOR IS NE$$ = MAJOR REPAIRS1 GET TWO OR ?REE BOND$ 3TRACTORS 6MAKE A BID )A FIRM PRICE &A DEF9ITE -PLE;N DATE4 ,IF Y H S"EAL UNITS Y C SAVE A LOT ( M"OY 0HAV+ ALL ! 9T]IORS PA9T$ )! SAME COLOR WAT]-BAS$ WALL PA9T4 ,T WAY1 2T R5T]S1 ! \*-UP C 2 D"O QKLY4 ,AL1 L1VE A GALLON (! PA9T )! T5ANTS & 5C\RAGE !M 6PA9T OV] ANY WALL SCUFF M>KS Z SOON Z !Y HAPP54 ,9 ,*APT] ,"O ,I TOLD Y ! ADVANTAGES ( BUY+ S+LE HOMES4 ,B :5 Y'VE GR[N Z AN 9VE/OR1 Y MAY WANT 6ADD "S?+ L A F\R- UNIT A"P;T BUILD+4 ,I'VE _H EXCELL5T SU3ESS ) A"P;T -PLEXES4 ,Y C BUY DEC5T F\R-FAMILY UNITS = Z L[ Z 4#HJ1JJJ4 ,) PROP] MANAGE;T1 ! BUILD+ W 2COME A CA% BONANZA 2F L;G4 ,X'S ALM IMPOSSI# N 6H A POSITIVE DOLL> N[ ON S* A UNIT4 ,! FIVE-FOLD P[] ( 9CR1S+ R5T1 PROP]TY APPRECI,N1 DECR1S+ MORTGAGE PAY(F1 DEPREC,N1 & 9T]E/ WRITE-(F ON TAXES W PUT Y 9 AN 5VI$ POSI;N4 ,Y SAY1 8,B ,I DON'T H ! "T 6LOOK AF X40 ,*OOSE ! MO/ SOLID T5ANT & ASK IF HE WANTS 6MAKE "S EXTRA M"OY4 ,ASK IF HE WD 2 WILL+ 6COLLECT ! R5TS & MAKE ! MON?LY DEPOSITS 6A SPECIAL A3.T = T A"P;T H\SE4 ,Y GIVE HM ! DEPOSIT SLIPS & SAY1 8,I'LL PAY Y #E P]C5T E MON? 9 ! =M ( R5T REDUC;N40 ,IF EA* UNIT R5TS = 4#CJJ1 HE'LL GET 4#FJ A MON? ON ! 4#A1BJJ TOTAL4 ,& IF "S?+ NE$S REPAIR1 HE'LL CALL YR DESIGNAT$ H&YMAN4 ,:AT ,AB ,! 8,FLAKES8 ,Y ASK1 8,ISN'T X H>D80 ,YES6 8,>5'T "S R5T]S ,8FLAKES0' :O /1L Y BL & MOVE \ 9 ! MI4LE (! NIS D[N ! ROAD1 H["E1 :5 ! MORTGAGES >E ALL PD (F & Y'RE PLAY+ GOLF 9 ,B]MUDA1 Y'LL H>DLY REMEMB] ! PA9 & IRRIT,N4 ,I DON'T "K :AT Y EXPECT F ,SOCIAL ,SECUR;Y4 ,S9CE ,I PD MY DUES OV] ! YE>S1 ,I PLAN 6RCV E C5T !Y W GIVE ME4 ,B WDN'T X 2 NICE IF Y _H A PORTFOLIO ( DEBT-FREE R1L E/ATE 9VE/;TS T PRODUC$ EXTRA MON?LY *ECKS = YR RETIRE;T8 ,_M P /UM# OV] DOLL>S LOOK+ = NICKELS4 ,IF Y -E FACE 6FACE )A GD D1L1 DON'T HA7LE OV] 4#CG OR EV5 4#CGJ4 ,TAKE *>GE & MAKE YR MOVE4 ,A PIECE ( PROP]TY T ,I B"\ YE>S AGO N[ BR+S ME OV] 4#AJ1JJJ A MON?4 ,:5 ,I 0 AB 6BUY X1 ANO!R MAN 0 DICK]+ )! [N] !Y 7 HASSL+ OV] 4#D1JJJ4 ,I W5T 6! [N] & SD1 8,DON'T WORRY AB HM4 ,I'LL TAKE X40 ,Z ,I 0 SIGN+ ! D1L1 ! O!R MAN 0 AT HOME ?9K+ AB X4 ,IF ,I _H BE5 ! "O DO+ ! HASSL+1 ! %OE WD H BE5 ON ! O!R FOOT & ,I WD H LO/ ! VALUA# PROP]TY4 ,I B"\ MY ,*EVROLET D1L]%IP 9 ! BACK S1T (A TAXICAB DRIV+ D[N A /REET 9 ,NEW ,YORK ,C;Y4 ,AL? ! FRAN*ISE 0 LOCAT$ 9 ,COLUMBUS1 ,OHIO1 ! MAN LIV$ 9 ,MANHATTAN4 ,:5 ,I PHON$ HM ,I LE>N$ "! 7 FIVE OR SIX P NEGOTIAT+ =! D1L]%IP4 8,I WANT 6BUY X4 ,MEET ME AT ! AIRPORT01 ,I SD4 ,WE HOPP$ 9 A TAXI & TOLD ! DRIV]1 8,J />T DRIV+ >.D4 ,WE'VE GOT 6TALK AB "S BUSI;S4 ,ON A PAD ( SCRAT* PAP] WE HAMM]$ \ A D1L4 ,AB #DE M9UTES LAT] ,I SD1 8,SIGN ?4 ,WE BO? SIGN$ X 9 ! MI4LE (A 8,BIG ,APPLE0 TRA6IC JAM4 ,:ILE ALL (! O!R 3T5D]S 7 >GU+ ) HM OV] :E!R ?+S L ! 8"PS 9V5TORY0 0 CURR5T1 ,I ?"\1 8,:O C>ES60 ,:5 Y ?9K L A MILLIONAIRE1 Y'LL LE>N ! M1N+ (! ^W1 8FE>.S40 ,! ,P]FECT ,PA? ,SCRIPTURE GIVES U CLE> DIREC;NS4 ,! ,PSALMI/ SAYS1 8,UPHOLD MY /EPS 9 YR PA?S1 T MY FOOT/EPS MAY N SLIP40 7,PSALMS #AG3E7 ,! ,"L WON'T LET Y FALL IF Y -MIT ALL YR WAYS 6,HM4 ,GOD HAS A P]FECT PA? = Y--X'S CALL$ "RE\S;S4 8,HE RE/ORES MY S\L2 ,HE L1DS ME 9 ! PA?S ( "RE\S;S = ,8 "N'S SAKE40 7,PSALMS #BC3C7 ,\R 3/ANT PRAY] %D BE1 8,DIRECT MY /EPS 0YR ^W1 ,& LET NO 9IQU;Y H DOM9ION OV] ME40 7,PSALMS #AAI3ACC7 ,"S"O ASK$ ME1 8,:5 ,JESUS SD1 ,8,O3UPY TILL ,I -E10 0 HE TALK+ AB R1L E/ATE80 ,:Y N8 ,! ,"L EXPECTS U 6BE GD & FAI?;L S]VANTS4 ,BUILD+ AN 9COME T C S]VE ,8 "W IS Z ,BIBLICAL Z ANY?+ ,I "K4 ,Y MAY / 2 WOND]+1 8,:AT DOES X RE,Y TAKE 6BUILD A BASE ( W1L?80 ,DOES X TAKE A %>P M9D8 ,Y C]TA9LY DON'T H 6BE A ,H>V>D GRADUATE4 ,IF Y C R1D ? BOOK1 Y H :AT X TAKES4 ,DOES X REQUIRE BACK-BR1K+ "W8 ,IF UN5D+ LABOR 0 ! NEC 9GR$I5T = SU3ESS1 WE'D H MILLIONAIRES SPR\T+ UP L MU%ROOMS4 ,:AT ,I AM TALK+ AB TAKES DILIG;E B X C 2 D"O 9 YR SP>E "T4 ,D ,I NE$ LOTS ( CA%8 ,DOES X RE,Y 8TAKE M"OY 6MAKE M"OY@80 ,NO4 ,F9D ! LIE LOOK+ = PLACES 6SEE _! M"OY GR[1 & !Y WANT 69VE/ 9 P :O WANT 6SEE T HAPP54 ,YR GOAL %D N 2 6BUY & SELL H\SES4 ,LET ME SAY AG T Y %D 8A3UMULATE0 R1L E/ATE ALL YR LIFE J Z "S P COLLECT BASEBALL C>DS OR PO/AGE /AMPS4 ,B Y'VE GOT 6BE ! K9D (A P]SON T :5 "S"O SAYS1 8,Y C'T D T60 Y'LL RESPOND1 8,YES ,I C1 J WAT* ME40 ,OV] & OV]1 ,I'VE 5C\RAG$ Y 6/>T ) J "O4 ,B Y SAY1 8,BILL1 ,I,M ,SC>$60 ,LAUN* \ )A LL BIT ( FAI?4 ,:5 Y GET "O1 X W 2 EASY 6GET TWO1 !N ?REE1 & M4 ,ONLY AF ,I LO/ ,,MY FE> ( GO+ BROKE DID ,I RE,Y 2G9 6PROSP]4 ,I _H 6MAKE ! DECI.N 62G94 ,,N[ X IS YR TURN6 ,,*APT] #G3 ,,BUY ,,"H ,,PAY ,,"H ,,BONANZA ,OV] #CJ YE>S AGO1 J AF ,I GOT 9 6! US$ C> BUSI;S1 A MAN & 8 WIFE CAME 6MY LL (FICE ) AN UNUSUAL REQUE/4 ,!Y [N$ A G>BAGE REMOVAL S]VICE & _H S"EAL EMPLOYEES T DESP]ATELY NE$$ TRANSPORT,N1 B DIDN'T H GD 5 CR$IT 6F9.E A C>4 8IF Y CD SELL !M A C> & F9.E "P ( X YRF1 WE'LL TAKE A FEW DOLL>S A WEEK \ ( _! PAY *ECK 6APPLY ON ! BAL.E10 !Y TOLD ME4 ,9 ^? "DS1 A C> T ,I _H 4#AEJ 9 CD SELL = 4#CIE4 ,S ,I TOLD !M1 8,IF !Y C PAY 4#AEJ D[N1 I'LL F9.E ! RE/ AT 4#AJ A WEEK UNTIL X IS PD =40 ,ALM 9/ANTLY ,I PLAC$ T5 C>S ) _! EMPLOYEES4 ,E C5T ,I _H 9 ! VEHICLES 0 COV]$ & ,I 0 TAK+ 9 4#AJJ A WEEK CLE> PR(IT4 ,! LL -PANY DEDUCT$ X F _! WAGES & BR"\ ME A *ECK E ,FRI"D4 ,I F.D MYF DO+ "S?+ T ,I'D N"E HE>D (1 & "!'S N"E BE5 A "D 9 ! AUTOMOTIVE BUSI;S T ,I HAV5'T US$ ? ME?OD ( F9ANC+4 ,:5 ,I GOT UP 6#DJ OR #EJ C>S ON ? PLAN1 ,I _H A NICE FL[ ( *ECKS -+ 9 T ,I CD USE 6BUY GROC]IES & PAY MY P]SONAL BILLS4 ,! PLAN IS CALL$ 8,BUY ,"H ,PAY ,"H40 ,TD1 ! 3CEPT IS SU45LY GETT+ N,NAL ATT5;N AM;G AU 6D1L]S & P ?9K+ AB GETT+ 9 6! C> BUSI;S4 ,REC5TLY1 "O ( ! MO/ PRE/IGI\S AUTOMOBILE D1L] MAGAZ9ES PREDICT$ T #CE P]C5T ( ALL US$ C>S SOLD 9 ! ,UNIT$ ,/ATES W SOON 2 H&L$ ON ? BASIS4 ,"S JOK+LY REF] 6X Z 8,TOTE ! ,NOTE40 ,MEET+ ,A ,GRT ,NE$ ,EV5 IF Y'VE N"E ?"\ AB 2COM+ 9VOLV$ 9 ! C> BUSI;S1 Y NE$ 6?9K S]I\SLY AB LAUN*+ S* AN 5T]PRISE4 ,X C 2 />T$ 9 YR SP>E "T & ! PR(ITS >E TRULY AMAZ+4 ,! 8,BUY ,"H ,PAY ,"H0 PLAN MEETS A GRT NE$ 9 SOCIETY S9CE _M P H EXP]I;ED F9ANCIAL DI6ICULTY & NE$ 6REE/ABLI% _! CR$IT4 ,"H'S H[ X "WS4 ,LET'S SAY A C\PLE -ES 6A US$ C> LOT & !Y'VE GOT 4#A1EJJ1 B _! CR$IT WD N 2 APPROV$ BY ANY F9ANCIAL 9/ITU;N4 ,Y H A C> T Y B"\ :OLESALE = 4#A1EJJ T W S]VE Z GD TRANSPORT,N4 ,X'S LI/$ = 4#B1DIE : WD GIVE Y AB 4#A1JJJ PR(IT4 ,!Y GIVE Y ! 4#A1EJJ D[N PAY;T & Y IMMLY H YR CAPITAL BACK4 ,! REMA9+ 4#A1JJJ IS PD 6Y 9 WEEKLY 9/ALL;TS4 ,Y TAKE ! D[N PAY;T & PUR*ASE ANO!R C> 6REPLACE ! "O Y'VE J SOLD4 ,AT ,BILL ,SWAD ,*EVROLET WE D ? APPROXIMATELY #AJJ "TS A MON?4 ,Y SAY1 8,ISN'T T A LOT ( M"OY 6PUT D[N ON C>80 ,:5 A P]SON'S CR$IT IS RU9$1 "!'S A NE$ 6REBUILD X4 ,P]H !Y H G"O "? A DIVORCE1 H LEFT T[N [+ BILLS1 OR H A L;G HI/ORY ( 8SL[ PAY40 ,!Y MAY EV5 H DCLD P]SONAL BANKRUPTCY & NO "O W T\* !M4 ,BUY+ A C> "? ? PLAN W B5EFIT ^! P TREM5D\SLY4 ,F ! "D !Y />T PAY+ ON ! C>1 WE REPORT ! ACTIV;Y 6! LOCAL CR$IT BUR1U4 ,Z SOON Z !Y PAY ! C> (F1 WE HELP !M BY TELL+ A L5D+ 9/ITU;N1 8,!Y'RE REE/ABLI%+ _! CR$IT4 ,!Y'VE PD U = #AE MON?S 7OR :AT"E7 PROMPTLY4 ,:Y DON'T Y TAKE A *.E ON !M40 ,USU,Y1 !Y GET APPROV$ = _! NEXT PUR*ASE4 ,_M "TS ,I'VE _H P -E 6U ) UP 64#E1JJJ CA% T ABSOLUTELY CD N GET F9.ED 0A L5D+ 9/ITU;N4 ,WE C SELL !M A C> WE'VE GOT 4#E1JJJ 9 = P]H 4#F1IIE4 ,WE TAKE ! D[N PAY;T & TRU/ !M = ! 4#A1IIE4 ,"S"TS ! P]SONAL CR$IT REPORT IS S BAD T X TAKES TWO OR ?REE YE>S 6REE/ABLI%4 ,WE'VE _H _M REP1T CU/OM]S 9 ? PROCESS UNTIL WE'VE HELP$ !M R1* _! CR$IT GOAL4 ,I 2LIEVE T NEXT 6A P]SONAL REL,N%IP ) ! ,"L1 A GD FAMILY1 &PHYSICAL H1L?1 ! NEXT BE/ ?+ Y C H IS GD CR$IT4 ,! ,SECRET ,( ,/>T+ ,"H'S MY ADVICE = />T+ A 8,BUY ,"H1 ,PAY ,"H0 OP],N4 ,F9D A SMALL LOT ON ! $GE ( T[N OR 9 A 8POOR R5T0 4TRICT4 ,PAY Z LL P] MON? Z POSSI#4 ,KEEP YR PRES5T JOB & P]H J OP5 ! LOT DUR+ EV5+ H\RS F #E3JJ P4M4 6#I3JJ P4M41 & ON ,SATUR"DS4 ,SET A GOAL 6SELL P]H F\R C>S ! F/ MON? J "O A WEEK4 ,! NORMAL PAY;T T WE H ON \R C>S IS 2T 4#BE & 4#DJ A WEEK1 ) A 4#CE P] WEEK AV]AGE4 ,WE REQUIRE A WEEKLY PAY;T1 N MON?LY1 2C ^! P H PROV5 9 "O WAY OR ANO!R T !Y H A W1K;S 9 H&L+ M"OY4 ,!Y'RE GD1 H"O/1 H>D "W+ P1 B EI !Y DIDN'T MANAGE _! M"OY PROP]LY OR !Y H _H A MIS=TUNE 9 _! LIFE4 ,) F\R C>S \ ! F/ MON? AT 4#CE1 Y'RE TAK+ 9 4#ADJ A WEEK OR 4#EFJ ! F/ MON?4 7,WE RAN \R PAY;TS F #AB 6#BD MON?S47 ,BY 3T9U+ AT T PACE1 AT ! 5D ( ! F/ #AB MON?S1 Y'D H #DH CU/OM]S AT 4#CE A WEEK BR++ 9 4#A1FHJ4 ,T'S 4#F1GBJ A MON?4 ,IF Y MOV$ T5 C>S A MON?1 9 T5 MON?S Y'D H #AJJ CU/OM]S PAY+ Y 4#C1EJJ A WEEK 74#AD1JJJ A MON?7 & X'S NE>LY ALL PR(IT & 9T]E/4 ,H[ M* ANNUAL 9T]E/ %D Y *>GE ON ! UNPD BAL.E8 ,9 MO/ /ATES Y C ADD UP 6#BJ OR #BE P]C5T4 ,WE ADVISE T Y *>GE AB #AH P]C5T 7: IS EV5 LESS ?AN ! 9T]E/ ON _M CR$IT C>DS74 ,AT #AH P]C5T1 X W ADD AB "O-?IRD 6! TOTAL CO/ (! AM.T F9.ED ) Y4 ,I %>$ ! 3CEPT ( ? BUSI;S ) A "Y MAN 9 ,FLORIDA & 5C\RAG$ HM 6SET A GOAL ( HAV+ 4#AJ1JJJ A MON? 9 CA% PAY;TS -+ 9 AT ! 5D ( ! F/ YE>4 ,HE DID X & SET A HI<] GOAL4 ,2F ! 5D ( YE> TWO1 HE WAS TAK+ 9 OV] 4#BJ1JJJ A MON?4 ,! KEY 6SU3ESS 9 8,BUY ,"H1 ,PAY ,"H0 IS CU/OM] SATISFAC;N4 ,I "K T Y'LL 2 SELL+ ! C>S1 8Z IS0 )\T A W>RANTEE1 B "W+ )! BUY] :5 ?+S G WR;G W 2 ! BE/ ADV]TIS+ Y'LL "E F9D4 ,YR ,[N ,ME*ANIC ,TRY 6PLACE YRF 9 ! CU/OM]'S %OES4 ,ATTEMPT+ 6REE/ABLI% YR CR$IT1 Y'VE PD YR LA/ 4#A1EJJ D[N ON A C> & ?REE MON?S LAT] ! TRANSMIS.N FAILS4 ,)\T TRANSPORT,N1 Y RISK LOS+ YR JOB4 ,"H'S :AT WE D 9 S* A CASE4 ,WE H V FEW REPOSSES.NS 2C WE "W ) \R P4 ,(T51 WE'LL LOAN !M A C> = A C\PLE ( "DS :ILE WE PUT 9 A TRANSMIS.N4 ,9/1D ( MAK+ !M PAY 4#A1EJJ1 : _M %OPS W D1WE PUT X 9 AT \R CO/4 ,WE'LL USU,Y F9D A US$ TRANSMIS.N1 OR "O T HAS BE5 REBUILT4 ,MAKE A BIG PO9T AT ! V 2G9N+ ( TELL+ !M1 8,IF Y >E HAV+ ANY PRO#MS ) ! C>1 WE H AN >RANGE;T ": WE H A ME*ANIC T W FIX YR C> AT \R CO/4 ,WE W N MAKE A PR(IT ON T S]VICE1 OR ! "PS40 ,TELL !M1 8,WE'LL 2 HAPPY 6ADD ANY S* CO/S 6YR NOTE : W RAISE YR PAY;TS TWO OR ?REE DOLL>S A WEEK4 ,OR1 IF Y PREF]1 WE'LL EXT5D ! LOAN A FEW MON?S40 ,! IMPORTANT MATT] 6^! P IS T !Y H TRANSPORT,N 6& F _! JOB4 ,?9K AB X4 ,IF ! C> BR1KS D[N & Y DON'T HELP !M1 !Y'LL J LET ! VEHICLE SIT "! & Y WON'T GET ANY M PAY;TS4 ,NO1 ,I DON'T EXPECT Y 6OP]ATE L ,BILL ,SWAD ,*EVROLET1 ": WE H A FULL-"T ME*ANIC :O "WS ONLY 9 ? DIVI.N ( \R BUSI;S4 ,/>T SMALL4 ,RUN A CLASSIFI$ ADV]TISE;T 6F9D A GD AU 6ME*ANIC AT "S C> D1L]%IP :O C 2 AVAILA# 9 ! EV5+ 8ON CALL0 AT A R1SONA# H\RLY RATE4 ,T'S YR REPAIR MAN4 ,IF "!'S ALR A 8,BUY ,"H1 ,PAY "H0 LOT 9 YR -MUN;Y1 DON'T WORRY AB X4 ,Y DON'T H 6RE9V5T ! :EEL1 J D A BETT] JOB4 ,! SECRET IS 6"U/& ! PRO#MS (! CU/OM]4 IF YR -PETI;N DOESN'T1 !Y'LL SOON 2 \ ( BUSI;S4 ,Y MAY SAY1 8,BILL1 H[ C ,I GET />T$8 ,I DON'T "K ANY?+ AB ! C> BUSI;S4 ,I C DRIVE "O1 B T'S AB X60 ,DON'T LET 9EXP]I;E BO!R Y4 ,X'S AMAZ+ H[ FA/ Y C LE>N :5 Y GET 9VOLV$4 ,*ECK ) ! ,/ATE ,BUR1U ( ,MOTOR ,VEHICLES AB OBTA9+ AN AU 6D1L]'S LIC5SE4 ,!Y'LL AL GIVE Y ! 9=M,N Y NE$ REG>D+ REQUIRE;TS = A LOT4 ,9 "S /ATES Y H 6H A 8H>D SURFACE0 LOT ( CE;T OR BLACKTOP4 ,9 O!RS1 GRAVEL W D4 ,": D Y GET YR SUPPLY ( C>S8 ,S9CE MO/ NEW C> D1L]%IPS >5'T 9VOLV$ 9 ? BUSI;S1 Y C G 6! US$ C> MANAG] & BUY A 8L[] PRICE TRADE0 AT ! :OLESALE PRICE4 ,! BE/ "T 6G IS ON A ,MON"D AFN 2C !Y USU,Y TAKE 9 A NUMB] ( TRADES ON ,SATUR"D & H !M CLE>$ BY T "T4 ,OR1 Y C ATT5D ! WEEKLY AU 6AUC;NS 9 YR >EA4 ,"T ,= ,! 8,HOOK60 ,:AT D Y D :51 AF ?REE WEEKS1 A CU/OM] HASN'T BE5 9 6PAY8 ,LOOK AT ! CR$IT APPLIC,N4 ,\RS REQUIRES AT L1/ SIX REF];ES1 ?REE FRS & ?REE RELATIVES1 ) A PH"O NUMB] = EA*4 ,:5 HE SIGN$ X Y TOLD HM1 8,LOOK1 ,I'M TRU/+ Y4 ,Y'VE GOT A CR$IT PRO#M & ,I C HELP Y4 ,B 2 FAIR & 2 H"O/ & D :AT Y PROMISE40 ,! 3TRACT %D /ATE T IF ! PAY;T REMA9S PA/ DUE M ?AN FIVE "W+ "DS1 ! P]SON IS 9 DEFAULT4 ,T M1NS ! C> C 2 LEG,Y REPOSSESS$4 ,G OV] A /&>D AU 6SALES =M 7: Y C F9D 9 MO/ (FICE SUPPLY /ORES7 ) YR ATTORNEY & ADD ANY *ANGES Y FEEL NEC4 ,N[1 IF ! CU/OM] DOESN'T %[ UP AF ?REE OR F\R WEEKS1 Y PH"O !M4 ,IF !Y DON'T RESPOND1 G 6! PLACE ( _! EMPLOY;T & USE :AT ,I CALL A 8HOOK40 ,Y T[ ! C> BACK 6YR LOT4 ,:5 !Y -E 6GET X1 Y SAY1 8,I 0 FAIR ) Y1 & Y W]5'T FAIR ) ME40 ,Y REPOSSESS ! C>4 ,X WON'T HAPP5 (T5 IF Y E/ABLI% A GD "U/&+ ) EA* BUY] AT ! />T4 ,Z Y TAKE C>E ( YR CU/OM]S & BUILD A SOLID BASE1 Y WON'T H NE$ = M* PROMO;N4 '@#,MO/ ( YR BUY]S W -E F PRES5T CU/OM]S4 ,!Y'LL BR+ 9 RELATIVES1 FRS1 & CO-"W]S Z ! BRAG3 8,!Y GOT ME A C> :5 NOBODY ELSE WD40 ,REMEMB]1 ! BE/ SALES TOOL 9 ? BUSI;S IS 63V9CE ! P]SON T Y'RE HELP+ !M GET "O ( _! MO/ NE$$ ASSETS3 6REE/ABLI% _! CR$IT4 ,! BUSI;S1 H["E1 CD FAIL IF Y USE ! CA% Y RCVD =! C> = P]SONAL EXP5SES & FAIL 6REPLACE ! C> Y'VE J SOLD4 ,ANO!R GRT DANG] IS 6BR1K F YR POLICY ( REQUIR+ T ! D[N PAY;T COV] E DIME Y H 9 ! C> 9CLUD+ TAX & TITLE4 ,LET'S SAY Y H A C> T Y'VE PUT 4#B1EJJ 9TO4 ,A CU/OM] Y'VE D"O BUSI;S ) 2F SAYS1 8,I "K Y'RE ASK+ 4#C1IIE = ! C>1 B ALL ,I'VE GOT IS 4#A1EJJ4 ,LET ME H ! C> UNTIL NEXT ,FRI"D & ,I'LL BR+ Y ! EXTRA 4#A1JJJ40 ,FRI"D W N"E -E1 & Y WON'T SEE ! 4#A1JJJ4 ,N"E1 N"E BR1K YR FIRM RULE ( TOT,Y COV]+ YR CA% CO/S4 ,! WEEKLY PAY;TS M/ 2 ALL PR(IT4 ,Z Y GR[1 Y'LL 2 TEMPT$ 6EXP& 6A BI7] OP],N & "W ) A L5D+ 9/ITU;N4 ,Y MI CU/OM]1 B Y'LL MAKE M* M M"OY BY /ICK+ 6! PLAN WE'VE \TL9$ & KEEP+ ! A3.TS YRF4 4#BJ1JJJ ,A ,MON?8 ,IF Y ?9K ? BUSI;S S.DS EASY1 DON'T />T X4 ,IF X 0 EF=T.S1 "EYBODY WD 2 DO+ X & Y'D H TOO M* -PETI;N4 ,B IS 4#BJ1JJJ OR M E MON? 9 PR(ITS WOR? "S L;G H\RS AN H>D "W8 ,I'LL LET Y 2 ! JUDGE4 ,PL1SE1 DON'T JUMP 9 6? BUSI;S & />T SWIMM+ OV] YR H1D4 ,/>T ) J "O OR TWO VEHICLES & G F "!4 ,Z ,I TRAVEL ! N,N T1*+ SEM9>S1 P -E UP & SAY1 8,BILL1 ,I _H A BUSI;S1 & ,I FAIL$40 ,:5 ,I *ECK 6F9D \ :Y1 9 ALM E CASE !Y />T$ TOO BIG & RAN FULL SPE$ AH1D 9 6A CA% CRUN*4 ,!Y 2CAME 4C\RAG$ & QUIT4 ,! 8,BUY ,"H1 ,PAY ,"H0 BUSI;S IS A VIA# 5T]PRISE4 ,Y'LL RCV GRT SATISFAC;N 0HELP+ P REE/ABLI% _! CR$IT & PROVID+ !M ) GD TRANSPORT,N4 ,A BASIC REQUIRE;T = F9ANCIAL SU3ESS IS3 8,F9D A NE$ & FILL X40 ,T'S :Y ,I C RECOMM5D ? Z A GRT OPPORTUN;Y = Y4 ,,*APT] #H3 #GA ,,M"OY ,,MAK+ ,,ID1S ,ON YR ROAD T[>D P]SONAL W1L?1 ! MO/ 5JOYA# "P ( ! J\RNEY IS DR1M+1 PLANN+1 & GOAL SETT+4 ,B H[ D Y MAKE X HAPP58 ,AT A REC5T SEM9>1 A MAN ASK$1 ,": AM ,I GO+ 6GET AN EXTRA 4#A1JJJ1 OR 4#B1JJJ 6GET />T$ ,8PS ,"! >E _M 5T]PRISES Y C 2G9 9 YR SP>E "T T C QKLY PRODUCE ! 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SECUR;Y BUSI;S IS GO+ 6GR[ DRAMATIC,Y 9 ! FUTURE4 ,Y C USE YR EV5+ H\RS 6PROVIDE A PRIVATE PATROL S]VICE = DEVELOP]S1 -M]CIAL PROP]TY [N]S1 & NEIN ! REGUL,NS1 AU?OR;Y1 & COOP],N AVAILA# = YR S]VICE4 ,SPORTS ,C>D ,C5T] ,TURN A ROOM 9 YR HOME 96A SPORTS C>D TRAD+ C5T]4 ,Y C />T ) YR [N C>DS OR TAKE 3SIGN;TS F COLLECTORS :O H ITEMS = SALE4 ,IF ! DEM& W>RANTS1 MOVE 96A RETAIL LOC,N4 ,X'S N ONLY A BIG BUSI;S X'S FUN4 ,SPORTS ,9/RUC;N ,IF Y1 OR "S"O Y "K1 IS AN EXP]T ON ! FUNDA;TALS (A "PICUL> SPORT1 SET UP 9/RUC;NAL CLASSES = "Y P4 ,P>5TS W 2 ?RILL$ = _! *N 6LE>N ! BASICS ( T5NIS1 GOLF1 FOOTBALL1 BASKETBALL1 OR :AT"E4 ,Y C GIVE PRIVATE 9/RUC;N1 B ! MO/ LUCRATIVE IS 6=M CLASSES ( #AE OR #BJ /UD5TS :O PAY 4#BJ =A F\R OR FIVE SES.N S]IES4 ,SWIMM+ ,POOL ,MA9T5.E ,AT ! 2G9N+ ( SUMM] 9 ,COLUMBUS1 ,OHIO1 ,I REMEMB] CALL+ AT L1/ T5 P :O TOLD ME1 8,NO1 WE DON'T "K ANY"O :O CL1NS SWIMM+ POOLS40 ,"H'S A S1SONAL BUSI;S T C KEEP A T1M ( P BUSY4 ,9 E>LY SPR+1 KNOCK ON ! DOOR ( HOMES T H A BACKY>D POOL & (F] A WEEKLY S]VICE T 9CLUDES CL1N+ & *EMICALS4 ,DON'T =GET MOTEL & A"P;T POOLS3 "! IS /1DY BUSI;S "!1 TOO4 ,TELE-,M>KET+ ,9 _M CASES Y DON'T EV5 H 6L1VE YR HOME 6BE "P (A SALES =CE T M>KETS 0TELEPH"O4 ,MO/ FIRMS (F] M9IMUM H\RLY PAY PLUS A BONUS BAS$ ON ACTUAL SALES4 ,DON'T SELL YRF *1P4 ,IF Y'RE PRODUC+ GD REV5UE1 DEM& A HI<] BONUS & Y'LL PROBABLY GET X4 ,TUTOR+ ,P>5TS >E ALW 3C]N$ )! $UC,NAL GR[? ( _! "Y P4 ,Y C (F] "O-ON-"O OR GR\P TUTOR+ 9 ! SUBJECT >EA Y FEEL -=TA# )4 ,X C 2 ANY?+ F T1*+ A =EIGN LANGUAGE 6-PUT]S OR MA?4 ,TYP+ ,S]VICE ,IF YR F+]S LOVE ! KEYBO>D1 Y C SET UP A HOME-BAS$ TYP+ S]VICE4 ,! OPPORUNIFIES >E 5D.S TRANSCRIB+ DEPOSI;NS = LAW (FICES1 *URN+ \ MANUSCRIPTS = AU?ORS1 OR TYP+ T]M PAP]S = COLLEGE /UD5TS4 ,MO/ "W IS N[ D"O ON A -PUT] S REVI.NS 2COME EASY4 ,*>GE 0! PAGE AT ! GO+ LOCAL RATE4 ,US$ ,BOOKS ,BIG M"OY C 2 MADE 9 US$ BOOKS :5 Y "K :AT P >E LOOK+ =4 ,A #AJ C5T SELF-HELP PAP]BACK Y BUY AT A 8JUNK0 /ORE C SELL = 4#C 6! 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