Investment Counselor Sara joins Jason Hartman to talk about checklists. First, they discuss the steps to acquire a property – from consultation to choosing a property. They also share a checklist after the purchase agreement, advise how to pick a home inspector, and give tips in getting an insurance policy. Sara and Jason also talk about the financing process and understanding their language.
Announcer 0:00
This show is produced by the Hartman media company. For more information and links to all our great podcasts, visit Hartman media.com.
Announcer 0:13
Welcome to the creating wealth show with Jason Hartman. You’re about to learn a new slant on investing some exciting techniques and fresh new approaches to the world’s most historically proven asset class that will enable you to create more wealth and freedom than you ever thought possible. Jason is a genuine self made multi millionaire who’s actually been there and done it. He’s a successful investor, lender, developer and entrepreneur who’s owned properties in 11 states had hundreds of tenants and been involved in 1000s of real estate transactions. This program will help you follow in Jason’s footsteps on the road to your financial independence day, you really can do it. And now here’s your host, Jason Hartman with the complete solution for real estate investors.
Jason Hartman 1:03
Hey, welcome to the creating wealth show. This is episode number 569 569. Thank you so much for joining me today. I’m your host, Jason Hartman. I’ve got Sarah with me today because we want to do something that I am going to dub the checklist edition. Would it be nice to have a checklist when you buy a property, and when you close on a property and when you apply for financing on a property and, and do all of these different things. So the first step on your checklist, obviously, is to listen to the creating wealth show. That’s that’s the most important part, right, Sara?
Sara 1:40
Yes, of course, creating wealth with Jason Hartman.
Jason Hartman 1:43
And without listening to the creating wealth show, like if you didn’t listen to that, you might end up shooting yourself in the shoe.
Sara 1:50
You promise you we’re gonna stop bringing up these
Jason Hartman 1:53
I couldn’t resist, I couldn’t resist. It’s an inside joke for our longtime listeners, the rest of you will not
Sara 1:59
Yeah. But, let’s take a survey. Is it even funny anymore? Because I don’t think it’s funny anymore.
Sara 2:05
It’s funny to me, but I’m humored by, you know, really silly things that just, you know, it’s probably not funny to anybody. So let’s just move on and act like I didn’t even attempt that lame joke. Okay. So why is a checklist important? I mean, obviously, keeps you on track. You know, there’s a good book, by the way, I think it’s called the Checklist Manifesto. Certainly, when I was pilot training, learning how to be dangerous in the skies, you always had a checklist pilots used back then a kneeboard. This was before the iPad. And now they’re doing iPads all the time. But you always look at your checklist, your pre flight checklist, your pre landing checklist, and even very experienced pilots do this. And, you know, it’s certainly helpful, you know, surgeons do this. It’s a common practice. And I think it’s a good, best practice for doing anything. So, with properties, let’s kind of just go through a loose outline of this, Sara, you know, also just talk generally about pitfalls that we see, you know, our clients getting themselves into how to avoid these things. And just all of that kind of stuff out there. I think, why don’t we just take it in sort of chronological order? I’m sure we’ll get off the outline here. But, you know, in terms of acquiring a property, you know, what are some of the first things people should look at in the acquisition phase? And maybe, Sarah, you because you do this all day long with our clients as an investment counselor, you know, maybe how to pick a market or pick the property? Or? Or will you take this for a moment?
Sara 3:43
Yeah, sure. I mean, we certainly, you know, the first step would be to have a phone consultation with your investment counselor, you know, it didn’t go over this checklist, from the get go and kind of have an outline of what you’re going to be doing. And certainly, you know, discussing your goals and your time horizon. And you know, when you’re going to get started and how many properties you’re going to purchase, you know, this year, and you know, what your short and long term goals are, that’s kind of a, you know, step two, after listening to the podcast, right, is to have a phone consultation, and those are complimentary, I do those every day with our clients. And, you know, it’s important to know, we also do you know, annual reviews with our clients, even after they’ve purchased properties. And so during that call, we’ll kind of narrow it down to maybe, you know, top three markets of interest, you know, and really narrow it down to a starting point, and then I’ll start to feed them property performers in different markets of interest. So they can get an idea of what the inventory looks like. And then once they get that list of properties from me, they might be able to say, you know, hey, I like you know, these three versus three, these three, you know, will will open up a dialog as to what they like and, and you know, why they like those properties. And from there, you know, I’ll send a follow up email. You know, with a property address, you know, the local market specialist info, we’ll probably do a conference call with that local market specialists, and really fine tune the details of that property. And so just going through this list here that would include, again, property address, age of the property square footage, year built. You know, all of those items. And then of course, we would recommend you do a little Google Maps search.
Jason Hartman 5:26
Yeah. And you said age, and year built. So those are obviously the same thing. But
Sara 5:31
Oh, did I shoot myself in the foot?
Jason Hartman 5:33
In the shoe.
Sara 5:34
In the shoe
Jason Hartman 5:37
Just love to tease you about these things. You do the funniest thing you take old expressions and revise them to the Sara method? Yeah, yeah, they’re, they’re good. It’s awesome. Hey, but I think the other thing I think people should consider is the year rehabbed and understanding how extensive that rehab was, because some of our providers and I don’t really like that they do this, but we can’t catch everything. So just understand that when they upload properties to the Jason hartman.com website, they’ll put in your built, and they’ll say, this year, and when they say 2015, that’s not really true, you know, the house could be built in 1990. You know, but it was rehabbed in 2015. And some of these providers, our local market specialists do do pretty extensive rehabs, for sure. But that’s just a word of caution to the listeners, I want you to keep that in mind. I don’t think anybody would be deceived by it. But it’s just something to keep in mind.
Sara 6:35
Yeah. And one thing to add to that is you have to be careful as you’re working with, with different provider, market specialists, not to compare one operation to the next. I mean, you can certainly compare them and choose to go with a more extensive rehab, but just understand that the property may be priced accordingly. So we have some rehabbers, that we work with that do a basic rehab job, I think, you know, we went over this on one of the past Birmingham podcasts, you know, that their whole philosophy is to keep it really simple. The minimalist method, yes. And then you go to, you know, Chicago, and they do a very extensive rehab, but you may get a better deal on the property that, you know, has had less work done to it, because that that passes through to the investor. So
Jason Hartman 7:20
Yeah, no question. So it’s all a function of price, you know, every property will sell at the right price. It’s not necessarily a question of, you know, oh, I want the more extensive rehab versus the less extensive one, it’s, you know, you want the investment that performs the best. And that’s really the thing to look for. So very good point there. Very good point. Okay. So there’s some great online tools nowadays, of course, looking at Google Maps, Google Earth, and seeing what’s around the property. That’s an important thing to do. You know, looking around the Street View, getting a sense of the street, that property is on, you know, you can do this all virtually nowadays. Isn’t that awesome? And also consider that area, you know, where’s the closest shopping center? What, what types of, you know, facilities does it have? These are all all good questions to ask. Right?
Sara 8:15
Yeah, absolutely. And those are things that a lot of times, we’ll cover on that conference call with the local market specialist. So yeah, you know, where’s the nearest Starbucks, where’s the nearest Home Depot, you know, Walmart, those bigger names, can be attractive to, you know, a potential tenant wanting to lease the place, you know,
Sara 8:34
They sure can, but they, they tell us one more thing, we’re just going to rely to some extent, on these big retailers. And we’re just going to know that, you know, if, if a big retailer is willing to build a target, or you know, any of the national chain restaurants are willing to open restaurants in these areas, then, you know, they must think that there’s growth, they they they will generally not make mistakes, of course, they they get over speculated to just like everything does I do believe firmly that this country? I mean, it seems like every city I go to, I asked myself the question, how many and you think I’m gonna say Starbucks, by the way, but I’m not actually how many CVS is how many Walgreens and how many rite Aid’s Do we need how many drugstores and these aren’t really drugstores anymore? They’re like little mini. Walmart’s really in a way. But how many of those Do we really need? I mean, they’re all over the place. You know, that’s just got to be overbuilt. I mean,
Sara 9:40
Well, I like Rite Aid the best. They have the best ice cream.
Jason Hartman 9:44
Oh, really? Okay. Well, there you go. There’s a reason. I remember one of my friends posted on Facebook recently. She and her daughter were at I think they were at a Walgreens. And her daughter made the cute kid comment. You know, this is the greatest store on Earth.
Sara 10:02
Yeah, that’s awesome.
Jason Hartman 10:03
It’s really amazing. Okay, so on this checklist, should we talk about once people choose an agreement? Or a property? I’m sorry, not see, I made the mistake here. Not that they choose an agreement, they choose a property, then what happens next? Well, they’ve got a purchase agreement, they need to have a home inspection, you know, what, what’s the closing date going to be on that property? What about the joys of getting financing?
Sara 10:30
Yeah, well, it’s important that they get their financing approval in place prior to, you know, putting the property under contract, of course, and so, you know, that’s, you know, really the first step in once they identify a market, we’ll match them up with a lender that we have a history or a track record with and closing deals in that marketplace. And then, you know, once we do narrow it down to a specific property or properties, we will request a purchase agreement, that they’ll Sign In return, you know, usually within one to two business days, along with an earnest deposit. That earnest deposit can vary from, you know, one to 5000, depending on the provider and the purchase price, but it’s usually around $1,000 goes into an escrow account, and it’s applied towards, you know, closing costs, etc. And so at that point, you really want to, once you have the the property under contract, the next step is to have your third party inspection done. And you should really do that within, you know, seven days of putting the property under contract. You want to check and maybe you want to touch Jason on some of the major items that may come up on the inspection report, but I tend to think important items would be, you know, the, the condition of the roof, hv AC, you know, plumbing, electrical outlets and things like that.
Jason Hartman 11:54
Yeah, I think you could sum it up by saying systems and roof. Those are really important. But there are other important issues too. Sarah, do you want to, you know, give any guidance on how to pick a home inspector, or, you know, this third party inspection, the local market specialist will refer you to someone, but I would really like it if people asked for a few referrals, and don’t just use one that the local market specialist refers them to? Maybe, you know, I think it would be a best practice, not a maybe, but it would be a best practice for them to contact one themselves, that they just find online. I, I bet you a lot of people aren’t doing that. But I do think it would be a good best practice.
Sara 12:56
Yeah, I always, you know, we have a handful that we receive from the market specialists. And sometimes, you know, when we have multiple providers in one market, I can send, you know, you know, maybe one provider uses refers to this inspection company, and I might send that name to an investor who’s buying through a different provider, right. So that it’s not from the same person. But you know, the concern is, well, you know, they could be in cahoots with the inspector and so yeah, it’s definitely a good idea to consider just googling and getting a third party that is not affiliated, you know, with us or the seller. There is a website I wanted to mention, I think you’ve used them Jason. I think we found them in Indianapolis, but it’s pillar to post Yeah, there and that’s pillar to post and they’re a nationwide they’re kind of like the angie’s list for inspectors I guess you could say
Jason Hartman 13:53
And let’s just address that issue. You brought up Sarah about Cahoots. I want to address that being in cahoots concept. So the likelihood You know, there’s a lot of shades of grey of Cahoots, okay. So how do you like that one. 50 shades of Cahoots. Sounds like a new comedy movie. Anyway, you know, it’s not like they will be in this big conspiracy mess they could be to pull the wool over the eyes of the buyer of the property. But, you know, it’s, hey, this, this particular seller, this local market specialists, this real estate company, refers a lot of business to me, so I’m not going to be so picky on their inspections type thing. You know, there’s a lot of subtlety to this. Okay. You know, if you, if you look at Washington and how messed up our government is, you know, it’s, it’s not like all these Congress, people are just accepting bribes, where the lobbyist comes in with a suitcase full of cash. It’s, it’s more subtle than that, you know, and that’s what needs to be discerned. So, you know, I think it’s good to, you know, at least talk to a couple of different inspectors and, and, you know, a lot of our clients are buying multiple properties in one area. And I think it would be an interesting idea to use different inspectors, maybe, you know, maybe you use two or three different inspectors. You’re buying 10 properties in a given market, maybe you’ll you’ll sort of spread that around and, and get a feel for the different inspectors and look at how their reports are, and so forth. And that might be an interesting lesson as well.
Sara 15:13
Yeah, and I’m not overly concerned with this being a problem, you know, here’s how I would address this concern is, you know, I’ve seen a lot of inspection reports over the years, and they don’t really leave a lot to the imagination, take photos of every angle, you know, the property, I’ve seen them point out cracks in the sidewalk, which, you know, I then have to say to the client, look, they’re not going to fix all the cracks in the sidewalk, you know, if it, if it, if it’s a big one, they may, you know, but they point out so many things with the house that some items won’t be fixed, you know, they’re like, fine items. But you know, in the event that they do come up, we would just for that inspection, report back to the seller, and, you know, have them go through and take care of any items that come up, and you know, that usually they the buyer and seller come to an agreement of what needs to be fixed, and then move forward. But again, the purpose of having that inspection report is if there’s just not a meeting of the minds, you can identify another property.
Jason Hartman 16:17
Right, right. And, and, you know, it’s very important, what you just said, the inspection report is not an opportunity for the investor, for the buyer, to get a bunch of upgrades to the property, that’s not what it’s for, it’s to keep you out of trouble from getting into something really bad, you know, and so that you go into the deal with your eyes wide open, you’re not buying something new, they’re not going to do cosmetic things, it’s not a chance to nitpick at things, you know, that’s just not going to fly so, so just have a have a reasonable perspective with that stuff. And know that. What about the financing part? I mean, you know, leverage is so valuable to investors, it’s so powerful, the mortgage, it’s really a huge asset, but it’s not so easy to get anymore. What do you think about the financing process? And any tips on making it easier for people?
Sara 17:07
Well, I think it’s definitely easier than it was a few years ago, no doubt,
Jason Hartman 17:11
Fair enough. It’s not easier than it was 12 years ago, though.
Sara 17:17
But, yeah, I mean, it’s, it’s pretty actually, it’s a pretty simple process to get pre approved. You know, most lenders have an online application link, and you’ll follow that up with a call. And they’ll give you a list of documents, including your, you know, tax returns, bank statements and a sample of your blood.
Jason Hartman 17:36
That’s a joke, obviously.
Sara 17:38
Kidding, they’ll you’ll send all that over to the lender, and you know, they’re gonna run your numbers and make sure you’re below their expectation, from the debt to income ratio perspective. And, you know, that’s all they’ve got everything all electronic on the back end. So it actually is a pretty, you know, I think people think when they have to go through the financing pre approval process, that it’s this big, long process, and it’s really not, it usually takes the lenders just a few days to have an idea. As long as all the information you’re submitting is true. And you’re not hyping up your income or leaving out any big debts, it’s pretty easy for them to give you a thumbs up on on your approval.
Jason Hartman 18:18
The tip I want to share with listeners and I do this at the seminars, and I think our our audiences do appreciate this is that I don’t let them use all these acronyms. I mean, they’re so I cannot believe the way these financing people talk in in, you know, in acronyms that the public doesn’t know. And you know, a lot of times people feel intimidated and they feel kind of like afraid to ask, you know, dti, that’s debt to income ratio. You know, there are all these acronyms. Don’t let them do that to you Don’t let them say things that you don’t understand, ask them questions, and make them explain things. So I think that’s another another valuable thing, and a good lender will do that. But also, I think we should address the point of understanding which lender to use, and understanding the concept of, you know, that how investment property financing really is a specialty, isn’t it?
Sara 19:15
It is and, you know, we like to use someone that we have a track record with in that market, they might not actually be in that market, but we know they’ve closed loans there for us before. You know, the other thing is lenders have certain you know, minimum loan amount requirements. And so, you know, one of our newer lenders that we like, has been very competitive on rates, but he can’t do a loan below $60,000 Well, I just found that out. And so, you know, as you’re sequencing your deals, and maybe doing multiple closings, we’re gonna refer you to the lenders that we know can can close deals for you based on you know, the loan amounts as well. So, you know, the the other thing is is, you know, we have a handful of lenders that are we like but what I found over the years is like, sometimes they jack up their closing costs.
Jason Hartman 20:05
Yeah, they do, we’re when we’re, we’re just the same way, you know, one of my 10 commandments has been area agnostic. And so we are disloyal to areas, we like that that’s part of our business model, some of our competitors out there in this very small cottage industry, you know, they can’t be disloyal to markets, because they have a physical presence in these markets. And that makes them committed to the markets. So just like we’re disloyal to markets, we’re also disloyal to service providers, like lenders, you know, if they start increasing fees, and doing that kind of thing, we’re gonna recommend that the business go elsewhere to the more competitive source. And so that’s these are just constant things that we always need to monitor. And, and we do that by getting feedback from you, our clients. So I think that’s a really good thing, you know, it’s an ecosystem. And we want to make sure that our clients are getting treated, right, they’re getting good service, they’re getting good competitive pricing, as well. So that’s definitely one of the ongoing challenges, right, Sarah?
Sara 21:06
Absolutely. And we appreciate the client feed back, we do take it into consideration, you know, when when recommending different providers and lenders and so forth. And so, you know, getting back to this list, you know, you’ve got your pre approval, you’ve got your purchase agreement, you had your inspection done, you may, you may have a re inspection done, which is, you know, about half the fee of the first inspection and you know, that’s, you know, for peace of mind, if there’s some items that need to be taken care of, and they’re major items, you may hire that same inspector or a different one to go back out and make sure those items were taken care of. Once once you get through that inspection period, and you have a meeting of the minds. It’s kind of like a, you know, hurry up and wait, the the lender is going to do their thing in the background. You know, in processing all your loan information, they’re going to request more documentation. While they’re doing that, and working towards the closing date, by the way, the closing date is, you know, usually within 30 days of the purchase agreement, although conservatively could go, you know, up to 60 days or even longer, but ideally 30 to 45 days is is your escrow period. And so while the lender is processing all your paperwork, getting it to underwriting, you are going to be reviewing property management agreements, calling the local insurance agents in the area, we’ll give you some names and numbers. But again, this is another area where you can call third party insurance company for a quote and just make sure you’re getting apples to apples quotes. So you want to get probably three quotes.
Jason Hartman 22:47
So first of all, you know, some of you listening may be asking, Well, isn’t there a company that does insurance nationally? Yes, there are a couple of them, we used the most famous one for a little while. And we had some bad feedback and bad experiences, I personally had a bad experience with this company. So we don’t recommend them anymore. So we just we just go with a local local people. And you can use usually one insurance broker or insurance company in that state. So any properties you buy in that state doesn’t have to be the same city, you can usually use one source for that. And so if you’re in three different states, and maybe five different markets, meaning different cities, or metro areas, you’ve really only got three insurance agents to deal with. And you can build a very large portfolio off of that. But a lot of people call me and ask me these strange questions about umbrella policies. And I really have a hard time putting my head around why I’m getting some of these funny questions about umbrella policies. An umbrella policy is nothing more. And by the way, I guess I have to make the disclaimer, like I say, when it’s a legal issue or a tax issue, that I’m not a tax or legal adviser. I’m also not an insurance person. Let me throw that one out there. But an umbrella policy is simply a policy that covers you beyond the limits of your insurance. So if your insurance had a $1 million, or a $500,000 limit, and your umbrella policy was on top of these insurance policies, it might go to $2 million. And they’re very cheap to get these policies. Well, the reason they’re so cheap is because they’re they hardly ever have a claim. Okay, so it’s really easy to get this higher coverage. But what people don’t seem to understand because they have this umbrella term, sort of stuck in their head for some odd reason is that they can just get policies with higher limits to okay just to have the primary policy, have a one or $2 million limit, and that would effectively do the same thing as an umbrella policy would do. So it’s just a different way to look at it or slice it up, it’s not like you have to have an umbrella policy, what you have to have is a certain insurance coverage amount that makes you feel comfortable. And you can do that with primary policies, or with a combination of primary policies and umbrella policies. And we’re not going to talk about asset protection stuff today, which is a whole different longer issue. We’ve done many shows on that in the past. So that’s just something I wanted to say about insurance. And then also think about your deductible. And Sarah, I’m sure you’re gonna have something to add to this probably, but your deductible, if you get really high deductibles, it’s going to cost you a lot more. And typically, there are insurance claims that arise out of air conditioners getting stolen. Okay, that’s sort of a common claim. And you may want to get your air conditioner caged. Now I know if you live in Newport Beach, or La Jolla where I live here, or Newport Beach, where I used to live, you’re probably thinking, why are you even talking about this? Well, the reason is, we’re talking about areas with 60, to $120,000. houses, these are not the areas most of our investors live in. Okay, so it’s a different world. But this is the world that makes sense for investment where you can get good return on investment. So you can do that for about $300 or so. And, you know, you may want to have a higher deductible and your insurance, maybe 20 $500, rather than 500. And if you just do the math on that, understanding that you’re going to bear more of the risk, it may really make sense, where in three years, you’re going to get paid back for having that lower deductible. So keep that in mind. Another important thing, right, Sarah?
Sara 26:51
Yeah, I mean, it’s almost the concept of self insuring, which obviously, you don’t want to totally self insure, but you know, you’re you are, in a sense self insuring for that difference.
Jason Hartman 27:01
Yeah, no question about it. Okay, we are we are going long here. Let’s wrap this up. I mean, what else do you want people to do? In terms of these checklists, concepts, there’s, there’s, by the way, we have some checklists for you. And there’s more to it. At Jason Hartman University, we put a little property acquisition checklist in that workbook, by the way, we’re gonna make that accessible to the public soon, where they can watch the university online, and so forth.
Sara 27:26
Yeah, I mean, just to wrap it up. So we’ve pretty much brought them through the process of acquiring the property. And, you know, from there, they’re going to get a closed a, they’re going to sign their closing documents, you know, they’ll send out a notary to your home, and you’ll sign in the presence of a notary. And you know, but during that time, when you close, you should be thinking about it, here’s a big one is the change of address form. And you can just go you know, the United States Postal link, and again, this is on the checklist. And just make sure you forward all the mail from your investment property address to either a p o box, or you can forward it to your personal mailing address, so that your tenant is not getting all your mail and the different solicitations that may come and your Hoa bills if you have them really been owned. But
Jason Hartman 28:20
Sara, that is such a good point. Look at folks, your property tax bills, your homeowners association bills, if you have an HOA for your property, your insurance information should of course be sent to your address, not the property address, right? Well, that’s in a perfect world, in the real world, it doesn’t happen. So we recommend that you simply you either go to the United States Postal Service website, and for $1, you can just do an online thing and have your your mail forwarded. And you should just do this once a year, it’s really easy takes like, two minutes, it’s super easy. Or you can get the form at the post office and it’s free, but it’s a buck. Okay, so it’s really easy to do online, I always do it online. And just constantly keep that mail forwarded to you so that you’ll see what’s going on with that property. Now, of course, you’re not forwarding the tenants mail, it’s by name. So if you have an entity that owns your property, or your personal name, I would suggest you do that for both for your entity name and your personal name. And just keep that mail forwarded to your address so that you don’t miss anything. Okay, so very good, Sarah. I think that’s a great last point to wrap up with. And listeners. There’s a lot more to this. We just wanted to talk about a few of the issues here. And hopefully this was helpful to you. And we are here to guide you through this to help you with the entire process and to make it as easy as possible for you. Income property is the most historically proven asset class. in the world, so I hope we didn’t make this sound over complicated. It’s a lot easier than studying and becoming an expert on the stock market, where you’re probably not going to make any money anyway, right, Sara?
Sara 30:11
Yeah. Good point. Great point.
Jason Hartman 30:13
The insiders game, the vast Wall Street conspiracy. Sara. Everybody can contact us, of course, if Jason hartman.com. Any final thought for people?
Sara 30:22
Well, I think we’ve got our events coming up. So check the website. And, of course, we’ve got our Jason Hartman University membership with a lot of these checklists, as you’ve mentioned. So if you have any questions about upcoming events, properties, you know, or this checklist, feel free to contact us.
Jason Hartman 30:41
Excellent, good stuff. And by the way, speaking of upcoming events, we’ve got our venture Alliance mastermind event in Providence and Newport, Rhode Island, little side trip to Martha’s Vineyard, by the time you hear this episode, we will be right on the heels of that event. But if you want to join us, go to venture Alliance mastermind.com or talk with your investment counselor that you can contact through Jason hartman.com. We’re going to have a Florida property tour coming up probably Orlando coming up in November. So check that out at Jason hartman.com as well as meet the masters. Thank you so much for joining us today.
Announcer 31:17
I’ve never really thought of Jason as subversive, but I just found out that’s what Wall Street considers him to be really now How is that possible at all? Simple. Wall Street believes that real estate investors are dangerous to their schemes? Because the dirty truth about income property is that it actually works in real life. I know I mean, how many people do you know not including insiders who created wealth with stocks, bonds, and mutual funds. those options are for people who only want to pretend they’re getting ahead. Stocks and other non direct traded assets are a losing game for most people. The typical scenario is you make a little you lose a little and spin your wheels for decades. That’s because the corporate crooks running the stock and bond investing game will always see to it that they win. This means unless you’re one of them, you will not win. And unluckily for wall street. Jason has a unique ability to make the everyday person understand investing the way it should be. He shows them a world where anything less than a 26% annual return is disappointing. Yep. And that’s why Jason offers a one book set on creating wealth that comes with 20 digital download audios. He shows us how we can be excited about these scary times and exploit the incredible opportunities this present economy has afforded us. We can pick local markets, untouched by the economic downturn, exploit packaged commodities investing and achieve exceptional returns safely and securely. I like how he teaches you how to protect the equity in your home before it disappears and how to outsource your debt obligations to the government. And this set of advanced strategies for wealth creation is being offered for only $197 to get your creating wealth encyclopedia book one complete with over 20 hours of audio go to Jason hartman.com forward slash store. If you want to be able to sit back and collect checks every month. Just like a banker. Jason’s creating wealth encyclopedia series is for you.
Announcer 33:28
This show is produced by the Hartman media company All rights reserved for distribution or publication rights and media interviews, please visit www dot Hartman media.com or email media at Hartman media.com. Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax legal real estate or business professional for individualized advice. opinions of guests are their own. And the host is acting on behalf of Empowered Investor network, Inc. exclusively.