Question from Scott:

Could you please tell me how many people you expect to have aboard for your Freat Investor Cruise in January 2014? My wife and I are hoping to attend. Wife hasn’t sprung the news to grandparents about watching our son yet..

Here is Your NO HYPE or B.S. Answer Scott. I LOVE Royal Caribbean Cruise Ships “Freedom of the Seas” and newer.

Your 7 Day Seminar at Sea is a BLAST and you can make your Family Vacation an Education Expense for your business. (Mike Grinnan, my CPA says so)

Attendance: It would be great to have 100 or more investors; however, in the real world, it could be anywhere from 30 to 70.

You get 7 days to network with serious investors from all over the USA, Australia and more. These are serious investors, no wanna-be’s or tire-kickers, and everyone is very willing to share their strategies and techniques that worked or failed. YOU are not their competition in their own backyard.

Your 7 Day Seminar at Sea begins at Port Canaveral Florida and you will spend a day at  St. Thomas, home of Megan Bay, St. Maarten, and Cocoa-Cay.

Each “Day at Sea” is your full day Seminar at Sea in a real conference center, not in a bar or lounge.

Just imagine not only classroom sessions, but relaxing on the beach (in January) with one of those cool, refreshing, umbrella in your drink, discussing real estate with investors from all over the world.

Having breakfast, lunch, dinner with me and investors if you wish. It is okay to take a break and let your free room service take care of you on your private balcony overlooking the ocean with breezes, the salty ocean smell and the beautiful sunrises and sunsets.  You will NEVER get this in a hotel room

TIMING: January is PERFECT to “Sharpen Your Saw” and review your goals from last year along with tweaking and setting new goals for 2014.

I am getting riled up just writing this little note about it. Come on, you will enjoy it and you will get a lot of one on one time in this small intimate group of serious investors.

Although it seems like it is a long way off in the future, it is very important you get your fully refundable deposit in ASAP.

Cost:  from Only $995 pp includes manual, conference tickets, cocktail party and over $1,000 in real estate investor training material in addition to all of wonderful stuff already included cruising on Freedom of the Seas.

for your http://GreatInvestorCruise.com

Register Now BEFORE RCCL raises the prices.

Call Janis Baker at 1-800-800-7703 ext 113.

 

How to PROTECT Yourself from Obamacare New Bigger Fines and Penalties involving Payroll, even with just ONE Employee

registernowBlinkinghttp://AskMikeButler.com/payroll

40 minute Webinar with Question and Answer Session

PLUS Free Gifts Just for Attending

 

 

FREE Financial Calculator for your Cell Phone!

and How to Use It!

12 minute video shows you how to get the Free Financial Calculator

Do You Like This Kind of Training Video?

 

Mortgage Insurance Has Changed! 

I suspect those of you who are in the market for a mortgage are well aware of the new FHA mortgage insurance increase coming.  It’s only a quarter of a percent increase. ONLY?

Effective April 1, 2013, people who haven’t already gotten their FHA case numbers assigned will be subject to the new bigger and better mortgage insurance premium.  The increase will be between 10 and 15 basis points, depending on the loan.  This is all intended to make the FHA bigger and better – more secure. 

This is a Silent Tax. 

On the average, mortgage folks are looking at an increase of $30 to $40 per month.  This will make qualification more difficult for everyone.

The FHA has a number of other changes coming to a loan office near you.  They are all silent taxes on home owners.  The corker is the inability to drop mortgage insurance after you have paid the balance down to 78%.  In the good old days you could drop the mortgage insurance after you had paid down to the 78% of loan to value ratio.  Starting in June 3, 2012, mortgage insurance will be locked in FOREVER on most loans.

Mortgage insurance adds, let’s say, $175 per month to the monthly payment.  With the increase it will be over $200.  If you assume you will pay down to 78% of the principal in the first ten years, then you have twenty years left on your mortgage.  Whereas you could have dropped the mortgage insurance after the ten year period under the old policies, you now have to continue to pay it for the next twenty years.  That’s only about $42,000 more you will have to pay.  That’s a tax levied by the new Obama laws, plain and simple.  You are paying for all the screw-ups the government and banks have made and continue to make with affordable housing. 

If you are buying, do it now!

from GOLD Member Rod Owens

FREE 30 Minute LIVE Training Webinar!

Limit 200 Seats for each Webinar

Secret Tool of The SUPER WEALTHY

 “How To HIDE Ownership of Your Vehicle in 5 minutes!”

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Good evening!  while watching this Louisville vs. Notre Dame basketball
overtime bonanza. 5th Overtime… wow   and i checked my email real quick and got this…

I was skeptical at first, but this is absolutely true. One of my friends sent me this link to Adobe and I just downloaded a boatload of Adobe Products without paying one red cent.

Plus I got the product key codes, (serial numbers) for each software

Here is the Link, click on it now. It is an Adobe webpage
—————————————————————————————-
http://www.adobe.com/downloads/cs2_downloads/index.html <– Click Here
   (copy and paste in browser)
—————————————————————————————

Now I’ll be 100% transparent and say this…

I’m not sure if they (Adobe) meant for everyone to be able to download these products from their page, or just SOME people (like people who already bought a copy)…

.. but the page IS still up, and I’m sure 1,000’s of people are visiting that page every week and downloading their CS2 versions.

Adobe MIGHT be doing this to fight all the pirated copies of Photoshop on the market… it might be their way to introduce more people to Photoshop via an older but legal version (CS2)… and perhaps these people will later upgrade to CS5 or CS6.

I can’t say for sure if that page is for everyone or not, but that page IS still up at this link:

http://www.adobe.com/downloads/cs2_downloads/index.html

You might want to look into this yourself a little more… I’m just passing on the news I heard since so many people on my list don’t have Photoshop or these other programs.

Yes, these are older versions, but they still do about 90% of the newer versions.

Forward this to your friends while the getting is good.

Mike Butler

UPDATE Provided by GOLD Member Andrew Teustch (Chicago)

“Adobe has disabled the activation server for CS2 products, including
Acrobat 7, because of a technical issue. These products were released
more than seven years ago, do not run on many modern operating
systems, and are no longer supported.

Adobe strongly advises against running unsupported and outdated
software. The serial numbers below should only be used by customers
who legitimately purchased CS2 or Acrobat 7 and need to maintain their
current use of these products”

eTN andrew

This is an example of how you must be very careful in what you say and how you say it when dealing with prospective applicants for your rental properties.

Please note, if you have someone doing this for you, showing rentals, etc. “Whatever they say or do, it is the same as if YOU are saying it.”

What are you comments on this?

 

A Property Management Company based in Virginia Beach, VA, Will Pay $82,500
to settle allegations it refused to allow a Hispanic woman to apply for an apartment because she did not speak fluent English.

The company allegedly had a policy of not renting to persons with limited English proficiency.

The Fair Housing Act prohibits discrimination in the rental of housing on the basis of national origin. “Denying housing because a person does not speak English well violates the Fair Housing Act,” said John Trasviña, HUD Assistant Secretary for Fair Housing and Equal Opportunity.

The case came to HUD’s attention when a Hispanic woman filed a complaint alleging that the property management company, which manages over 500 rental units throughout Virginia Beach and Norfolk, refused to provide her a rental application because she could not speak English well.

The complaint further alleges that the leasing agent refused the translation assistance of the bilingual person the applicant brought with her.

HUD launched an investigation to determine whether the alleged discrimination was systemic. In the course of the investigation, HUD discovered that the company had a written policy expressly requiring all prospective tenants to be able to communicate with management staff in English without assistance from others, and to complete rental applications only while they were in the management office.

By agreement, the company will pay the prospective tenant $7,500, and will donate $25,000 each to local housing advocates. In addition, the company agreed to adopt a non-discrimination policy, which it will distribute to current residents and prospective tenants; adopt a plan to more effectively serve residents and prospective tenants with limited English proficiency by providing translation and interpretation services; and require its employees to undergo fair housing training.

Landlords Better Watch This Closely and Take Action Now!

Kentucky led the nation on new law making Landlords the “Legal Owner” of their Tenant(s) Dogs. Now Pennsylvania follows in a close second.

Protect Yourself Now – Brand New Animal Application Forms Package

Will Your State Be Next?

ATTENTION LANDLORDS! Do NOT act like an ostrich. If you have tenants or if you are expecting tenants, you MUST take action on this now to “NIP IT IN THE BUD” as old Barney Fife screams. This will be coming to your town and your insurance company soon.

What are Your Comments about this new law and this article?

—————————————–

Pennsylvania attorney Thomas J. Newell, who specializes in personal injury claims, announced that his firm has just obtained a $508,613.84 settlement from a landlord’s insurance carrier after a tenant’s pit bulls attacked a young boy.

The landlord allowed the tenant to keep the dogs.

According to Newell, the dogs jumped a three and a half foot fence into a homeowner’s yard and mauled the boy. He sustained serious injuries which required 17 surgeries.

His mother was also injured when she tried to help her son fend off the dogs. The family’s bills exceeded $500,000.

The landlord’s insurance company filed lawsuits in both federal and state courts arguing that, due to language in the policy, it could deny financial responsibility for the attack. However, Newell says he was successful in fighting those claims, and the insurance company ultimately conceded, agreeing to pay the victims the liability policy limits.

In July, an appellate court in Kentucky overruled a lower court’s decision that a landlord was not liable for injuries when a tenant’s dog bit someone across the street from a rental property.  Now, landlords in Kentucky may be viewed as “statutory owners” of tenants’ dogs simply by approving a pet request.

Protect Yourself Now – Brand New Animal Application Forms Package

Conversely, a Wisconsin court decided in March, 2011 that a landlord could not be held liable when a tenant’s pit bull attacked a neighbor, enforcing a longstanding policy in the state that landlords are only liable if the animal belongs to the landlord or is specifically under their control.  Judges found that being in control of the rental property is not enough to show control over the dog.

A number of cities and counties across the country, including some in Pennsylvania, have considered breed-specific legislation banning pit bulls and other breeds thought to have vicious propensities. Those laws have come under heavy opposition by animal rights advocates who say the individual dog, not the breed, determines whether the animal is a risk.

Newell  says he has recently represented a number of dog attack victims throughout Pennsylvania

—————————————————————-

Protect Yourself Now – Brand New Animal Application Forms Package

Now you have seen this happen in Kentucky, Wisconsin, Ohio and this new law WILL SPREAD across America. Think about it. If you owned an insurance company, would this be a money saver for insurance companies.

Take action now.

Share this article, Email and forward to fellow investors and REIA Groups!

What are your thoughts?

A Georgia woman who headed DocX pleaded guilty to one count of conspiracy to commit wire and mail fraud Tuesday afternoon in a case that ties back to the robo-signing scandal and the mishandling of thousands of mortgage documents.

The case ends at least one part of the massive foreclosure document-handling crisis that surfaced in Florida in the wake of the housing crisis.

U.S. prosecutors say Lorraine Brown agreed to plead guilty in a scheme that involved the hiring of dozens of workers to sign and fraudulently notarize thousands of mortgage-related documents even though employees signing the forms were not authorized to do so.

The allegations in court records suggest Brown was hired by mortgage servicers to handle loan documents. When servicers used Brown’s services, she allegedly promised the availability of authorized signers to handle and authorize documents for mailings and public filings.

Prosecutors claim Brown reneged on those promises and began allowing in 2005 the forging and falsification of signatures on official documents tied to mortgages and foreclosure filings.  

A court filing by prosecutors says, “Unbeknownst to DocX clients, the authorized signers were instructed by Brown and other DocX employees to allow other, unauthorized DocX employees to sign, and to have the document notarized as if the actual authorized signer had executed the document.”

Brown pleaded guilty to one federal charge of conspiracy to commit wire and mail fraud in the U.S. District Court for the Middle District in Florida Tuesday. The offense comes with a possible 5-year prison sentence and up to $250,000 in fines.

Lorraine Brown’s path to federal court began during the massive demand for the moving of thousands of loan documents during the national foreclosure crisis. But Brown’s firm had been around in some formation for nearly two decades.

Brown is a Georgia resident who founded DocX in the 1990s in Ohio Click Here for Full Video/Article (Members Only)

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