Category Archives: Blog

Who else wants to earn from 7 to 20% on their Investments (Passive Income).

Imagine beginning the New Year knowing you can receive 7 – 10 – 15 – 20% on your investment. (guaranteed by a promissory note). Why the difference in the ROI? Because we decided to reward the movers and decision makers.

For example;
Any dollar amount Investment sometime in the future = 7%
Decide before December 15th, 2013 and
$5000 Investment NOW = 10%
$20,000 Investment NOW = 15%
$50,000 Investment NOW = 20%

We invest in Single Family Residences (SFRs) in the commercial hub of the Southern US, Atlanta Georgia. This includes all the counties of Atlanta and nearby cities. Check the ‘Top 10 Cities in the US’ for growth, industry, jobs, etc.

Contact chris@fubinvesting.com or 404-300-3672 or 647-855-7292
PS; Do it NOW and reap the higher ROI.

Atlanta

Who Else wants to live in their own home?
Imagine living in your own home!

As you read every word of this article all the way to the end, you will realize there is an easy way YOU CAN WIN and live in a home you thought you couldn’t afford. To make it interesting, we’ve made a deliberate mistake in this letter, if you find it and you buy your new home from us we will give you a FLAT SCREEN TV – FREE. We have a Welcome letter that explains ways for you to earn extra income, just by talking to your family and friends, and we reveal ways to save money just by using the utilities and equipment you already use.

Did you know…
• you can move into your own home, without getting a mortgage from a bank? (Owner Financing).
• you could use ‘sweat equity’? you do the repairs.
• you can rent a home and after 12-24-36 months, part of the rent can be used for the down payment? then own your home.
• you can access organizations that will help you with the mortgage?
• veterans (active and retired) have organizations that will help too?
• there are government agencies to help with the costs of renovations?
• we pay referral fees, need extra income – it could cover the lease payments
• you can be in your own home within 30 days?

Are you….
• recovering from low credit rating? or bankruptcy problems? We can help.
• just starting a new job?
• saving four a down-payment?
• ‘handy’?
• re-locating?
• honest, dependable and attempting to get back on your feet?
• willing to be on a list for home-ownership?
• willing to pay a fee for your history check – refunded, if you qualify, or when you buy/lease from us.

Just picture you and your family in your own home, no-one living in an apartment below or above you, the kids can play in the backyard, you can sit on your own porch in the evenings, BBQs in the backyard, gardening.
There is a wrong way and a right way to buy a home. Stop paying rent for a home you will never own.

Three reasons to buy from us,
- we can help you, when no-body else will.
- we will not hold your credit or bankruptcy history against you.
- you don’t need the banks approval.
Contact us for further information, we will give 110%. Will you? Well, do you want to move into your own home?

chris@fubinvesting.com
404-300-3672

PS; Don’t forget the deliberate mistake in this article. When you move in a new Flat Screen TV will be waiting for you.

PPS; Send email now, include the best way and time to contact you, and phone number, to get the best team on your side.

Owner Financing Available

Billboard-Atlanta

An opportunity to benefit from essential home services

ADS

You do the math Investors (residential & commercial), and Property owners

1) Do you know how much your hydro costs?* or do you just pay the bill?

2) Do you know how much your gas heating costs?* or do you just pay the bill?

3) What about your other bills? Long distance calls, Cell phone, TV satellite, Direct TV, Energy & environment management, Property Maintenance, Services & Security, Internet & Games.

4) Florida, Arizona, California, to name just a few vacation states, do you have vacation homes and rentals? Increase your cash-flow, add value to your property and get paid on all essential home services too, (internet, games, long distance calls, unlimited TV channels, etc). You will benefit – some or most of these services will encourage vacationers to return just for all the extras – less advertising, less vacancies, less headaches.

 

Investors you could pass on the deals to your tenants or keep the benefits to yourself. In the lease contract you could also offer your tenants some of these deals. Just a thought.

Individual/small investors (less than 20 doors), offering these benefits could improve your reputation and encourage a waiting list of potential renters, whenever a unit becomes available, and it wouldn’t cost you any more money.

 

We, as a Real Estate Investors, will include these services in all our rental properties,  especially the short term accommodation (e.g bed and breakfast, motels/hotels, student housing), or long term assisted housing (e.g seniors citizens, health care, institutions).

We love deals, making money, and helping others do the same.

 

* US States, Canadian Provinces – de-regulated energy

Illinois                                                                        Alberta

Indiana                                                                      Ontario

Massachusetts

Michigan

New York

Ohio

Pennsylvania ( Duquesne only)

Texas

 

For further information on saving and making money contact: moneycash4U.momentis@gmail.com

 

Money is not THE problem!!!!!!!!!!!

Whenever I read a story about people with wealth – inventors, celebrities, business owners, investors, richest man/woman in the world, movies stars, sports stars, oil barons, land owners, visionaries, shipping magnates, etc, etc, and there is a place for comments underneath the story, there are people who want the millionaires to give away it with them.

This blows my mind….. Think about it…I know some people inherited their wealth, but somebody had to work for the money in the first place, then made the money work for them. Granted there are people that are not able to think for themselves, due to injury, disease, or mental inability. We that can think for ourselves and become so successful can help those truly not able to help themselves.

Money is just a means to acquire your wants and needs. It is inanimate, usually just paper, Simple. Yes. So what are you willing to do to be like them? the millionaires, billionaires. Money, or the lack of money, is not the problem. It is our attitude, our willingness to act, to change our thinking, to learn how, to research the best route to achieve our desires.

Most people are comfortable blaming the world, community, family, school, everybody else for their own lack of willingness. Most people complain they don’t make enough money, the boss doesn’t pay you enough, the boss doesn’t see your potential, work 2 or 3 jobs to make ends meet. Most people wait for opportunity to find them, to knock on their door and even when it does actually knock on the door, they ‘have think about it’, what they have to give up to become a success – ‘there is a movie I want to watch first’ or ‘I’ll have a beer and think about it’ or ‘ I’ll do it later’, or ‘(you fill in this excuse)’. Opportunities are NEVER missed, if you don’t answer it when it knocks on your door, somebody else will. Most people justify their lack of success (use your own definition of what success means to you) on circumstances. The circumstances are simply you don’t want to do what you need to do. You ARE the circumstances.

I was the justifier, I was the rationaliser, I was the one with all the excuses, and believe me when I say “nobody’s knows the troubles I’ve seen….”

I call tell you with complete honesty that my circumstances have changed, my attitude has changed, my willingness has increased. I appreciate the millionaires that share their Rags to Riches stories, I wish them well, health and happiness. I am grateful that they were willing to share their stories, and what they were willing to do to get to the top.

Instead of being envious, how about changing your circumstances. How about being the best that you can be, and bring along those that want the best too. When you are rich – you can decide what to do with your own wealth, share it, grow it or give it away.

Of course this is just my opinion.

The greatest discovery of all time is that a person can change his future by merely changing his attitude.
Oprah Winfrey

Real Estate Investor Code of Ethics

FUB Investing Inc. agrees with and follows these code of ethics, we do not deal with any business or individual that is NOT ethical.

Treat Investments as Businesses
It is important for real estate investors to approach their real estate activities as a business in order to establish and achieve short- and long-term goals. A business plan allows real estate investors to not only identify objectives, but also determine a viable course of action towards their attainment. A business plan also allows investors to visualize the big picture, which helps maintain focus on the goals rather than on any minor setback. Real estate investing can be complicated and demanding, and a solid plan can keep investors organized and on task.
Know The Markets
Effective real estate investors acquire an in-depth knowledge of their selected market(s). The more an investor understands a particular market, the more qualified he or she will be to make sound business decisions. Keeping abreast of current trends, including any changes in consumer spending habits, mortgage rates and the unemployment rate, to name a few, enables savvy real estate investors to acknowledge current conditions, and plan for the future. Being familiar with specific markets allows investors to predict when trends are going to change, creating potentially beneficial opportunities for the prepared investor.
Maintain High Ethical Standards
Realtors are bound to act according to a code of ethics and standards of practice policy, and real estate agents are held to each state’s real estate commission rules and standards. Real estate investors, however, unless they are associated with membership-based organizations, are not usually required to maintain a particular degree of ethics in their business practices, as long as they operate within the boundaries of the law. Even though it would be easy to take advantage of this situation, most successful real estate investors, and especially those who remain in the business for the long haul, maintain high ethical standards. Since real estate investing involves actively working with people, an investor’s reputation is likely to be far reaching. In the case of an investor lacking in ethics, the consequences can be damaging. Effective real estate investors know it is better to conduct fair business, rather than seeing what they can get away with.
Develop a Focus or Niche
Because there are so many ways to invest in real estate, it is important for investors to develop a focus in order to gain the depth of knowledge essential to becoming successful. This involves learning everything about a certain type of investment – whether it is wholesaling or commercial real estate – and becoming confident in that arena. Taking the time to develop this level of understanding is integral to the long-term success of the investor. Once a particular market is mastered, the investor can move on to additional areas using the same in-depth approach. Savvy investors know that it is better to do one thing well than five things poorly.
Strive to be Good Customer Service Representatives
Referrals generate a sizable portion of a real estate investor’s business, so it is critical that investors treat others with respect. This includes business partners, associates, clients, renters and anyone with whom the investor has a business relationship. Effective real estate investors are good customer service representatives by paying attention to detail, listening and responding to complaints and concerns, and representing their business in a positive and professional manner.

Stay Educated
As with any business, it is imperative to stay up to date with the laws, regulations, terminology and trends that form the basis of the real estate investor’s business. Keeping current does require additional work, but it can be viewed as an investment in the future of the business. Investors who fall behind risk not only losing momentum in their businesses, but also legal ramifications if laws are ignored or broken. When it pertains to the law, ignorance is no excuse. Successful real estate investors take the time and make the effort to stay educated, adapting to any regulatory changes or economic trends.
Understand the Risks
Those choosing to invest in the stock or futures markets are inundated with myriad warnings regarding the inherent risks involved in investing. Numerous agencies, such as the Commodity Futures Trading Commission, require disclaimers to warn potential market participants about the possibility of loss of capital. While much of this is legalese, it has made it clear to people that investing in the stock or futures markets is risky; meaning, one can lose a lot of money. Greenhorn real estate investors, however, are more likely to be saturated with advertisements claiming just the opposite – that it is easy to make money in real estate. Prudent real estate investors understand the risks associated with the business – not only in terms of real estate deals, but also the legal implications involved – and adjust their businesses to reduce any risks.
Invest in a Reputable Accountant
Taxes comprise a significant portion of a real estate investor’s yearly expenses. Understanding current tax laws can be complicated and take time away from the business at hand. Sharp real estate investors retain the services of a qualified, reputable accountant to handle the business’s books. The costs associated with the accountant can be negligible when compared to the savings a professional can bring to the business.
Find Help When They Need It
Real estate investing is complicated and requires a great deal of expertise to engage profitably in the business. Learning the business and the legal procedures is challenging to someone attempting to do things on their own. Effective real estate investors often attribute part of their success to others – whether a mentor, lawyer, accountant or supportive friend. Rather than risk time and money solving a difficult problem on their own, successful real estate investors know it is worth the additional costs (in terms of money and ego) to find help when they need it and embrace other peoples’ expertise.
Build a Network
A network can provide important support and create opportunities to a new or experienced real estate investor. This group of associates can be comprised of a well-chosen mentor, business partners, clients or a non-profit organization whose interest is in real estate. A network allows investors to challenge and support one another, and can aid significantly in advancing one’s career through shared knowledge and new opportunities. Because much of real estate investing relies on experiential-based learning, rather than on reading a book, for instance, savvy real estate investors understand the importance of building a network.

Conclusion
Despite abundant advertisements claiming that real estate investing is an easy way to wealth, it is in fact a challenging business requiring expertise, planning and focus. In addition, because the business revolves around people, investors benefit in the long run by operating with integrity and by showing respect to associates and clients. Though it may be relatively simple to enjoy short-lived profits, developing a viable real estate investing business that can last for the long-term requires additional skill and effort. Whether focusing on apartment buildings or commercial property, highly effective real estate investors share these 10 essential habits.

Students saving money and still enjoying going to college

When you read a newspaper or listen to the news you often hear of student protests, students protesting the high cost of education, the high costs of books, lab time, health insurance, everywhere, in every part of the world.

With the high costs of the higher education, it would benefit the student to study as much as humanely possible, instead of the alcohol induced recent student riots in London Ontario. Studying, making friends for life and networking with fellow students is probably the best experience available before starting living in the working world. Grants, scholarships, ESPs (Education Saving Plans) will cover the cost of much of the total costs, but not everything (food, clothing, housekeeping (cleaning etc), entertainment, travel or transportation) or to put it another way = living expenses.

Apart for the usual cost saving measures of cheap foods, fast foods and junk foods: used text books: used clothing: free entertainment: walking wherever. There doesn’t seem to be much else to do. Following is a list 5 tips to help save money without lowering the quality of life, while at college.

1) FOOD/KITCHEN; A good quality student housing landlord will make available the following kitchen appliances TOASTER OVEN, MICROWAVE and saucepan. The other must have appliance needed to make tasty nutritional foods are SLOW COOKER/CROCKPOT and the fridge. Put the raw food in the slow cooker in the morning its ready in the evening when you get back from class.

2) USING THE SLOW COOKER, open minded and tolerant room-mates have several options to the usual mac & cheese, or can of spaghetti, one student can prepare their own favourite home cooked meal for the whole house, place it into the slow-cooker and turn it on before you go to class. Taking turns, you get variety, less waste, more time to study (3 out of 4 nights someone else is making supper), and left overs can be lunch the day after for the ‘cook of the hour’.

How much can you save? that depends on the meals prepared, but at least $1000.00 each every year. If you pass on the coffee shop and drink coffee from ‘home’ you’ll save even more.

3) CLEANING: LAUNDRY, bathroom & kitchen. Traditional cleaning products are usually high odour chemicals, they don’t necessarily clean any better they just smell like they do.

To cut the costs on cleaning supplies, buy products that can have multi-purpose uses.

Vinegar, lemon juice, salt baking soda and olive oil. These grocery products can cost about $5.00 every 6 months. How to use them? Instructions are on the web.

This type of cleaning products will also improve indoor air quality.

4) ENTERTAINMENT: Free, or really cheap, entertainment is the easiest way to save money,

- Communal Movie Night,
- Card Night – Progressive Euchre, Penuckle night – entrance fee $5
- Weekend Treasure Hunt – walkable or Public Transit,
- Pot Luck BBQ – when you have your Care Package from home,
- Bake Off, make simple foods = candy, cookies, cupcakes,
- Invitation to a game of Murder
- ‘Universal Idol’ (as in Canadian Idol), Karaoke machines are everywhere.
- Computer Game Champion night – the champion wins the kitty which is the $2 entrance fee from each contestant.
- Organize a University Triathlon competition, to be completed over a 6 week period (allowing for people schedules).

5) Have an ‘END OF THE YEAR’ SWAP SHOP, or auction, the graduates not returning next year to auction off their equipment, books, clothing (I am thinking International students here), furnishings, bicycles, etc.

Quality students appreciate living a quality inexpensive college life. Quality student housing owners or landlords respect the tenants, the quality student tenants respect the benefits of living in quality student housing.
Christine Gilmet

Real Estate Investor

FUB Investing Inc (Can)

F.U.B. Investing LLC (US)

CGG Investing LP (US)

chris@fubinvesting.com

www.fubinvesting.com

Students saving money and still enjoying going to college

When you read a newspaper or listen to the news you often hear of student protests, students protesting the high cost of education, the high costs of books, lab time, health insurance, everywhere, in every part of the world.

With the high costs of the higher education, it would benefit the student to study as much as humanely possible, instead of the alcohol induced recent student riots in London Ontario. Studying, making friends for life and networking with fellow students is probably the best experience available before starting living in the working world. Grants, scholarships, ESPs (Education Saving Plans) will cover the cost of much of the total costs, but not everything (food, clothing, housekeeping (cleaning etc), entertainment, travel or transportation) or to put it another way = living expenses.

Apart for the usual cost saving measures of cheap foods, fast foods and junk foods: used text books: used clothing: free entertainment: walking wherever. There doesn’t seem to be much else to do. Following is a list 5 tips to help save money without lowering the quality of life, while at college.

1) FOOD/KITCHEN; A good quality student housing landlord will make available the following kitchen appliances TOASTER OVEN, MICROWAVE and saucepan. The other must have appliance needed to make tasty nutritional foods are SLOW COOKER/CROCKPOT and the fridge. Put the raw food in the slow cooker in the morning its ready in the evening when you get back from class.

2) USING THE SLOW COOKER, open minded and tolerant room-mates have several options to the usual mac & cheese, or can of spaghetti, one student can prepare their own favourite home cooked meal for the whole house, place it into the slow-cooker and turn it on before you go to class. Taking turns, you get variety, less waste, more time to study (3 out of 4 nights someone else is making supper), and left overs can be lunch the day after for the ‘cook of the hour’.

How much can you save? that depends on the meals prepared, but at least $1000.00 each every year. If you pass on the coffee shop and drink coffee from ‘home’ you’ll save even more.

3) CLEANING: LAUNDRY, bathroom & kitchen. Traditional cleaning products are usually high odour chemicals, they don’t necessarily clean any better they just smell like they do.

To cut the costs on cleaning supplies, buy products that can have multi-purpose uses.

Vinegar, lemon juice, salt baking soda and olive oil. These grocery products can cost about $5.00 every 6 months. How to use them? Instructions are on the web.

This type of cleaning products will also improve indoor air quality.

4) ENTERTAINMENT: Free, or really cheap, entertainment is the easiest way to save money,

- Communal Movie Night,
- Card Night – Progressive Euchre, Penuckle night – entrance fee $5
- Weekend Treasure Hunt – walkable or Public Transit,
- Pot Luck BBQ – when you have your Care Package from home,
- Bake Off, make simple foods = candy, cookies, cupcakes,
- Invitation to a game of Murder
- ‘Universal Idol’ (as in Canadian Idol), Karaoke machines are everywhere.

- Computer Game Champion night – the champion wins the kitty which is the $2 entrance fee from each contestant.
- Organize a University Triathlon competition, to be completed over a 6 week period (allowing for people schedules).

5) Have an ‘END OF THE YEAR’ SWAP SHOP, or auction, the graduates not returning next year to auction off their equipment, books, clothing (I am thinking International students here), furnishings, bicycles, etc.

Quality students appreciate living a quality inexpensive college life. Quality student housing owners or landlords respect the tenants, the quality student tenants respect the benefits of living in quality student housing.
Christine Gilmet

Real Estate Investor

FUB Investing Inc (Can)

F.U.B. Investing LLC (US)

CGG Investing LP (US)

chris@fubinvesting.com

www.fubinvesting.com

Save money, Go green, Be healthier

My two passions in life are Real Estate Investing and Saving Money.

The following makes your indoor living more breathable, less toxic, less cluttered, more cost effective, more welcoming and ‘user friendly’.

My first suggestion for an environmental sound residential house can be applied to any building whether home, workplace, recreational, shopping, entertainment, etc. Cleaning: in our haste to be clean we buy products that contain chemicals, although there is a new trend to use ‘green products’ how green are these products – have you considered where the ingredients came from (transportation)? What is the packaging made of(& transportation)? How was the product made, how did they dispose of the garbage or excess materials? What happens to the garbage/excess materials when it has been removed from the manufacturers plant? What other products are produced by this company that is selling the ‘green product’, are they cashing in on the trend or are they sincere in their concerns for the environment?

What is the alternative and still be clean? My favorite cleaning technique STEAM, it cleans everything, I also used baking soda, vinegar, lemons & lemon juice, salt, olive oil and elbow grease. Yes, there is transportation involved, but it is minimized, and that’s the goal, to affect the environment as little as possible.

So how does this effect our individual health? In many, many ways; We breathe the chemicals, we build up these chemicals in our body and we reach the limit were these chemicals effect our health, we go to the Dr for relief of the health problems, the Dr will prescribe medications the counter-act our symptoms, sometimes the medications cause side-affects which means we need more medications, just because we wanted convenience in our life. How convenient are the cleaning products now? Don’t forget the damage caused by dry cleaning.

My second suggestion, disposal of no longer required household items and clothing.
- Swap shops
- Charities
- Church Spring/Fall Fairs
- Advertise on university or college notice boards
- Re-purpose into modern art, or other useful household items, you’ve all seen the old boots made into plant pots, plastic pop bottles into bird feeders.

Manufacturers have caught onto this idea they now produce items that look like old boots or pop bottles.
- Garage sales
- Schools could use your old books, crafts, sports equipment.
- Neighbors could maybe use it.
- Furniture re-use centers
- Re-use-it stores (i.e. Habitat for Humanity, Salvation Army, Red Door).
- Use on camping tips

Thirdly, this one is my personal favorite, and is actually connected to my second suggestion, make your own gifts for birthdays, showers, anniversaries, Christmas, Hanukah, graduation. How does this effect the environment? And save money?

You already have the products at home or are easily obtained, you do not have to travel to the store, spend money on products that are not environmentally friendly (see suggestion #1).

Make your own candy, decorations, modern art, wind chimes, votive candle holders, frame your childs’ art for grandma, old wool clothing can be unwound and knitted into something else, if you don’t know how to knit – learn, or donate to somebody that can. Old wool clothing or blankets can be made into felt material by putting into the dryer and dry under ‘high’.

It is a lot easier these days to save money, ‘go green’ and live life healthier and to the fullest, with the internet available for ideas.

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