Thanks to all of you for your help!

 I want to give special thanks to Jennifer Wright, my personal author representative from Outskirts' Press. She, without intention, to my great advantage, gave me the idea to write "Highways of the Mind". Her helpful support and good advice pointed me in the direction to write a book that would serve all humanity...  

I'd like to thank my brothers Clinton and Jimmy. Jimmy changed the course of my life and gave me the dedication to help substance abusers recover from their abusive natures. Clinton was always nearby to give me advice, encouragement and his unconditional love.

Then there is my dear friend Connie Peterson who knew my first attempt wasn't good enough but still had faith in me and encouraged me to persevere. She also helped edit my material and verbally coxed me to continue. (Some people call it nagging) Thank you Connie.

Thanks to all my good friends and associates.

Thanks to my mind Enhancement resources. (To many to list)

Thanks to my four legged family for putting up with me while I was neglecting them.

God also had a hand in this so I thank Him for his Infinite Intelligence.

Index

Introduction.

Stops on Minds Highway

Byway Junction

Lost and Found

Pit Stop

Real Tex/VestorOne (Editing not complete,in process)

Success Stories and Testimonials

Processor: Microsoft Words

Pages: 151

Words:62,280

Font: Times New Roman

Font Size: 12

Book Process: On going

 

Highways of the Mind

Make Your Dreams a Reality

Introduction

I've done intensive research over the last 10 years on mind enhancing techniques and the ones I use for my own endeavors work for me and will work for anyone who has a problem they want to overcome or a dream they want to achieve. You can banish bad habits and replace them with powerful positive good habits. You can learn to do things in moderation, stop procrastinating, schedule your time efficiently, and move towards your dreams and aspirations. Nothing is impossible just harness your mind's power and use my simple techniques. You'll find them all right here in this book.

What I'm giving you is ten years of research put into simple terms and made easy to follow. I hate it when an author tries to show his intellect using ten letter words that are hard to comprehend. I'll do my best to present my material in a way that you can easily understand. I have always felt that the easy way is the best way and most comfortable way to learn. If you are like most people I know, you learn easier if you have someone show you the way.

I'm going to show you the way to make all your dreams come true. We are going to take a trip through the highways and byways of your mind. Your mind is the solution of all solutions it's where all solutions begin. You can be anything, do anything and have everything by changing your way of thinking. . I'll give you the steps that brought me success and show you how to use them as powerful tools to reach and maintain a positive optimal lasting change in your life.

Regardless of what has happened in your life accept the fact that it was you, and only you, that made it possible. No matter what your circumstance is in life, you are there because you were or you were not in command. It has become apparent to me that negative thoughts are the easiest thoughts for our subconscious mind to accept, so we're going to change that and make positive thoughts the most predominate and dominating resources that enter your subconscious mind. Make up your mind that from this day forward you will be in complete command of your thoughts and actions. Read what I've written, learn from what I've written and put what I've written into positive action.

Here is what you'll find when you open the cover and enter my book. The first section under the title of "Trivia and definition of terms used in good faith and abused unintentionally" introduces you to all the different mind enhancing methods that I use to change your way of thinking.  You will be given a little trivia and some background information on each method. I'll also introduce you to some new terminology, it's important that you know what I'm talking about.

It is of vital importance that you set goals and make definite plans to carry them out, so stop one setting goals and making plans will be the topic. As we proceed further and further, on this journey to success, things will get more exhilarating and exciting. Each step will bring you closer to a solution that will take you all the way to success.

While we are at stop two: I will address nutrition and health under the title of Fitness. Success can be so much more rewarding if you have a healthy body and a healthy mind. I can't stress enough the importance of staying active. Strive to become physically fit and make it a habit to stay that way. Believe me; if you are healthy and feel good about yourself everything else you do will be that much easier. So change your way of thinking and make it a habit to establish healthy habits.

Proper nutrition is also important in maintaining a healthy body and mind. There are six main classes of nutrients that the body needs: carbohydrates, proteins, fats, vitamins, minerals, and water. It is important to consume these six nutrients on a daily basis to build and maintain a healthy body.

This next stop is devoted to Faith, the Mind and the Spirit and I've given it the title Faith.

We live in a world where the majority of the people don't except things by faith alone. You might say we are a society of "I'll believe it when I see it" kind of people. The "show me and I'll believe" attitude is for all intents and purposes an error because no creation is ever manifested before it's beginning.  However this attitude is defended by many as being realistic. Faith is involved in almost every mind enhancement program there is. If you put faith in the equation the equation will work. There is no doubt in my mind about it; faith is an issue that deserves a whole lot of thought.

I'll be working with you in three specific areas; Body, Mind and Soul. The stop at faith will also deal with the soul and it's relation to infinite intelligence. What exactly is the soul? It is hard to explain. It could be the fundamental emotional and activating principle determining one's character. On the other hand, in religion it is the deepest part of the soul of man and the transmitting organ by which human beings can contact God.  I will take you deep into this subject, not only at this stop but at other stops along the way. Your beliefs may be quite different then mine and that's quite all right. I want you to read what I've written with an open mind and consideration.

Stop four is the junction point at the conclusion of this chapter we will change tracks and go to stop five, the meat of the book. However stop four is about Denial and it is an issue that is a must. Emotional denial in the short term is a way to avoid hurting our self and people we care about. However it also keeps people from taking action when the overall happiness of their life is at stake. Denial is a reason people keep themselves trapped in unhappy relationships or life situations.

Now that I have taken you on a short tour, it's time to take action and go to work.

 

Trivia and definition of terms used in good faith and abused unintentionally.

This simply means that if I don't agree with the resource I use my own definition.

Auto suggestion applies to all suggestion and all self administered thoughts and ideas that reach the mind through our senses. Auto suggestion and self suggestion are basically the same. Simply put, it is a way for the conscious mind to communicate with the subconscious mind.

We have complete control over all the thought that reaches our subconscious mind, therefore it is the best way to change the way we think. We can completely change our life using a few simple steps. You can liken your subconscious mind to that of a fertile garden in which weeds will grow in abundance if the seeds are not desirable.

Repetition and retention amplifies and intersects with sense. I use them both to help me memorize and write.

Repetition is nothing more than repeating a thought until it becomes an obsession.

Obsessions are recurring or persistent thoughts, images, or impulses that invade a person's consciousness.

Memories are constructions made in accordance with present needs, desires, influences, etc.

Memories are often accompanied by feelings and emotions.

Intuition is the ability to sense or know immediately without reasoning.

Meditation is a deep relaxed state of mind still conscious and aware.

Reminiscence refers to recollections of memories from the past. It is familiar to us all and can be utilized for the benefit of others.

Motivation is a reason or set of reasons for engaging in a particular behavior.

Imagination is the ability to form mental visual images.

Now that you know the words and their definitions the trip will be a lot easier.

I have got one more term that I use as my secret weapon. I let you know how and why when the timing is right.

Subliminal messages give positive affirmations and send them directly to the subconscious mind, bypassing the more critical conscious mind.

What you will learn within the walls of this castle of words will become a part of your life for the rest of your life. Changing your life for the better things in life is a new beginning. For new beginnings to flourish and grow they must be maintained. I'll give you the proper tools to make positive changes and maintenance tools to maintain these changes. However, there is one tool missing that you will have to supply, the tool that gets rid of bad habits and cements good habits in place. I'll help you make this tool, it is a simple process, but one that is necessary. It's up to you to use these tools every day all the way to the end of your life journey. Make them a definite habit!

Now let's continue on to the next stop on Minds Highway. It's a place called Goals. You can't miss it; all of its inhabitants are making plans one way or another.

........

Stop One:

Setting Goals and Making Plans

I want you to spend a substantial amount of time and effort establishing your goals. I'm sure that you will find as I have found that all of the rich and famous and those truly successful have set goals to get them where they are today. Setting goals is first and utmost the most important part of your journey to success and financial freedom.

There are two kinds of goals that I want you to work on. First short term goals (goals that you want to reach in a year) and second long term goals (goals that are extended five years or more).

Make a list of all the things that you want to achieve at the end of one year. Make it flexible and as realistic as possible. Don't waste your time planning for something that is out of reach or improbable.

Finding success in whatever you endeavor is why it's so important to set goals and make plans to carry them out. You could say that goals are the keys that will open the doors to your dreams. Actually goals are nothing more than realistic dreams put into words and the plan is putting those words into action. Put your dreams in writing and then develop a time frame in which to accomplish them. Most people spend more time dreaming of success then they do planning for success.

By writing your goals down and displaying them in plain view where you can read them several times each day your sub conscious mind will absorb them and consequently you'll become more accountable for them. Sharing you goals with another person can also increase your commitment.

The winners are people who experience success by doing a lot of goal setting. They use setting goals to learn new skills and gain experience. Once they've achieved a goal, they pick another.  For the successful people, goal setting never stops. Goal setting is like buying real estate, after you reach the first horizon all other horizons come easier. Did you ever wonder why the rich keep getting richer and more powerful? It's because they set goals and make the right plans to achieve those goals.

It's important for you to explore and plan for what you most desire.  The goals and dreams that you set keep the body mind and spirit alive and optimistic. Setting personal  goals should employ all the circumstances of your life, such as health, spirituality, family and relationships just to name a few.

Again I can't stress enough how vitally important this session on goals is. It's short and sweet and to the point and believe it or not it will help you tremendously.

You're starting out on a brand new adventure so let's get you started on the right foot.  Let's do some serious soul searching to figure out what it is you're willing to do to succeed. What direction are you heading in right now? Are you where you want to be in life?   It's time for you to stop procrastinating and get working. Make your goals, set your plans and let's get started in the right direction.

Get a diary or a Franklin Covey planner and track your achievements. If you don't know the direction you're heading in, then how do you expect to get there?

You've got to implement your plan if you want to get exactly what you want. It's time to get your rear end headed in the right direction. Don't talk the talk, get yourself motivated and walk the walk.

Don't be afraid of failing the fear of failure holds most people back. I look at failure as part of the learning process. If you fail at first pick yourself up and start all over. If you don't hold back and you put your plans into action you're going to find success in whatever you do

Get into the habit of setting and achieving your goals, by knowing specifically what you want to accomplish, you will know where you have to focus your efforts. You'll also quickly spot the distractions that would otherwise detour you from your objective.

Keep yourself focused and don't get caught up in everything going on around you. Keep your sights set clearly on your goals. Remind yourself and apply yourself to utilize the most productive and profitable use of your time, after all time is precious; it's the only thing that keeps passing us by.

A goal well thought and planned will give you long-term vision and short-term inspiration. It will help you focus on gaining more knowledge and help you utilize your time so that you can make the most out of your life span

The more goals you set, the more you'll accomplish, by setting goals, you will also raise your self-confidence, by recognizing the fact that you can achieve the goals that you've set.

As we continue this trip through my book you'll arrive at a place called meditation. In meditation I have set up a few exercises that will enable you to put your goals in your subconscious mind as positive resources. First I'll guide you step by step through a relaxation exercise that will put you in a light hypnotic state. While you are in that state we'll do an exercise using affirmations as self suggestions placing these affirmations in your subconscious mind and your subconscious mind will feed them to your conscious mind when the timing is right.

Please don't jump ahead, I want you to stay with me, we still have a lot to learn while we are on the highways and byways of the mind. The next stop is in a place called Fitness.

Stop Two:

Fitness

Let me congratulate you for seeking information that will improve your way of living. I'm sure it was quite by accident but you've stumbled into the right place. With a little bit of my help and your determination there's no way you can lose. The next step is to decide that you are going to be physically and mentally fit. This place called Fitness is intended to help you reach that decision and make it one of your goals.

Staying fit mentally and physically takes a lifelong commitment involving time and effort. Exercising the mind and body has to be done regularly without question. Being happy and healthy is a positive resource that can easily be planted in your subconscious mind. Convincing yourself of all the benefits of a healthy mind and body by using self suggestion techniques will insure your success.

When starting out on a new exercise program I want you to realize that patience is essential. It took years of sedentary living to put you in the shape that you're in so you won't regain what you've lost overnight.( Correct me if I'm wrong but I'm assuming that you are not in the best physical shape.) The secret is to persevere and the reward is well worth waiting for.

Let me give you my definition of physical fitness; being physical fit is the ability to perform at your highest peak. You will look, react and feel like the fine tuned engine of a luxury automobile. Nothing will pass your attention and nothing will pass you by.

Before you start a vigorous exercise program make sure you don't have any physical limitations. If you are over thirty five years old make sure you get a physical examination. Let the Doctor get you started on the right foot. Success of any kind is done a step at a time so put your right foot forward.

It is important to remember that fitness is influenced by age, sex, habits, exercise and diet; therefore it varies from person to person. When you set up a schedule for a routine exercise program set it up to meet your own particular needs. If you are not Samson looking to Empress Delilah don't go to the extreme.

Keep moving for better health. Walking at a moderate pace can reduce the storage of fat in your body, running or jogging is even better. It is a known fact that people who exercise by jogging, walking, or running store less fat in their bodies then the people that don't. Less fat means lower rates of diabetes and therefore less heart related diseases.

After all is said and done there really is only one sure fire way to begin and maintain a fitness program. Believe it or not it all has to start with a firm commitment burned like a brand into your subconscious and conscious mind...

Here are a few guide lines that will help you gain and maintain a healthy body and mind. Believe me, they both work together and each feeds the other.

WARMUP - 5-10 minutes of exercises such as walking, slow jogging, knee lifts, arm circles or trunk rotations. Low intensity movements that stimulate movements to be used in the activity can also be included in the warm-up.

 

MUSCULAR STRENGTH -   Do a minimum of two 20-minute sessions per week that include exercises for all the major muscle groups. Lifting weights is the most effective way to increase strength.

 

MUSCULAR ENDURANCE - At least three 30-minute sessions each week that include exercises such as calisthenics, pushups, sit-ups, pull-ups, and weight training for all the major muscle groups.

 

CARDIORESPIRATORY ENDURANCE - Do at least three 20-minute bouts of continuous aerobic (activity requiring oxygen) rhythmic exercise each week. Popular aerobic conditioning activities include brisk walking, jogging, swimming, cycling, rope-jumping, rowing, cross-country skiing, and some continuous action games like racquetball and handball.

 

FLEXIBILITY - 10-12 minutes of daily stretching exercises performed slowly without a bouncing motion. This can be included after a warm-up or during a cool down.

 

COOL DOWN - A minimum of 5-10 minutes of slow walking.

Change your way of thinking and make these activities a part of your life for the rest of your life. Use the exercises that I have outlined for you to firm this commitment

Your body and your mind are loving companions that want to take good care of each other. Using the power of positive suggestion the mind will keep the body physically happy and by the same token the physically happy body will help keep the mind active and alert. Keep this thought in mind and you will have a successful journey from the day you begin until the day you reach your destination.

Proper nutrition is also important in maintaining a healthy body and mind. There are six main classes of nutrients that the body needs: carbohydrates, proteins, fats, vitamins, minerals, and water. It is important to consume these six nutrients on a daily basis to build and maintain a healthy body. This isn't hard to do if you combine your main dish with veggies, soup, and a salad topped off with a glass of water or juice. Eat small amounts and eat when you're hungry. If you haven't taken care of your mind and body for a long time exercise and nutrition have been in the trunk, now is the time to take them out and put them back to work.

It is a fact that improving the awareness of nutritious meal choices and establishing long-term habits of healthy eating has a positive effect on memory capacity, potentially increasing your ability to process and retain critical information. It is also a fact that physical fitness has the same effect. Now you know why I've included this section in my text.

The mind is the key to the vehicle that travels the roads and byways of time. While traveling the highway that leads to success don't let the boulders and obstacles that clutter the highway cause you to detour. Take a straight road to your success and fix all the problems that get in your way.

Our next stop on our little journey is in a place called Faith. You can't miss it, there's a little white church on the corner and the congregation is singing Amazing Grace.

 

Stop Three:

Faith

 

Faith Can Move Mountains

Our mountains are our circumstances. We can change any circumstance in our lives.  All we have to do is have enough faith to believe when we pray; God can move those mountains away.

 

We live in a world where the majority of the people don't except things by faith alone. You might say we are a society of "I'll believe it when I see it" kind of people. The "show me and I'll believe" attitude is for all intents and purposes a misconception because no creation is ever observed before it's beginning.  However this attitude is defended by many as being realistic. Which I believe is the exact opposite of faith. Faith sees the possibility of all things; the world we live in depends on positive belief, hope, and faith to continue. Negativity breeds destruction. If we depended on cynicism and negative thought, we would self destruct and cease to exist. Vision and belief come first and action follows. Visualize your dreams and desires and your mind will open the door to make them real.

 

It is my belief that there is a quiescent (inactive or dormant) part of your brain that when aroused will give you the potential to achieve heights beyond your imagination. All we have to do is use the right key to unlock that power. I have several keys that we can use. However first I want you to consider the primary purpose for which you are, presumably, reading "Highways and Byways of the Mind". Naturally, it must be to acquire the ability to help yourself and stay free of those monsters that have invaded your life. By following my instructions on auto suggestion and the subconscious mind, as I have laid out for you in the section titled Auto Suggestion, you can convince your mind to receive that for which you ask. It will act upon your suggestion which your subconscious mind passes back to you in the form of faith. 

 

Faith is the state of mind which you may develop at will, after you have mastered all the steps in my text, because it is a state of mind which develops voluntarily, through applying and using these steps.

The most powerful of all human emotions are Faith, Love and Sex. When faith is mixed with the vibration of thought the subconscious mind picks up the vibration, translates it into its spiritual equivalent and transmits it to Infinite Intelligence, as in prayer. To allow wisdom to flow in freely from God's infinite intelligence is wise. Wisdom is the inflowing of the divine spirit itself.

Spirituality, in a narrow sense, concerns itself with matters of the spirit. What exactly is the spirit? It is hard to explain. It could be the fundamental emotional and activating principle determining one's character. On the other hand, in religion it is the deepest part of the soul of man and the transmitting organ by which human beings can contact God. My interpretation is a little of both, a person's character and the deepest part of their soul that links between human and God. The spirit therefore, is ones inner self. The spirit is the foundation of one's humanity and at life's end the spirit leaves the body. Therefore the spirit and the soul are pretty much the same. You die and your spirit/soul moves on. However while you are alive you are the spirit. The hopeful truth remains that there is an eternal flame of the spirit in all of us and if we tend to it and give it nourishment we have the ability to create and change the world in a positive way.

 Now I'd say that's really not so complicated. When I say I want to help heal your spirit basically I want to help heal the whole you, Body, "Mind, and Spirit."

Let's talk about Peace, Serenity, and Tranquility. Can you remember the last time that you took a moment to gaze at the sky or look at the ocean and see all the beauty they bestow .How about watching the leaves on a tree dancing in the wind or lovely flowers glistening in the sun? When you allow yourself to soak in and appreciate these peaceful moments, you can experience instant peace and tranquility. I call these moments' natures' relievers. Good music, works of art, poetry and literature are also nature's relievers and a tool for instant relief from misery and pain.

It's easy to meditate using nature's relievers experiencing the simple beauty that is everywhere around us. Close your eyes and inwardly embrace the magnificence of all the natural surroundings the Real World has to offer. I know in the hectic world you live in you probably don't have time for such nonsense. Life circumstances have robbed you of the joy you should be experiencing in life. When you feel anxious or stressful, take a moment and realize all the good things that you are missing, then respond in a positive manner to the dynamic glories around you and rejuvenate yourself in rebirth.

This is what I sincerely believe and for no other reason than LOVE I want you to listen to me. I believe in what's solid and firm, something that's not a mystery and is easy to confirm. I believe in LOVE. I'm not sure that the Holy Bible was written under the influence of God and I don't know for sure that from here there's a hereafter. There's one thing for sure that I do know and that's the power of Love and how it can grow. Hate, disagreement and turmoil are a few of the things that cause war and destruction. Whereas, true Love given is the quickest way to peace and serenity. Whether God sits somewhere above us on his throne to guide and direct us is still a mystery to me. I know for sure that if the foundation of our life is fortified with LOVE we will have a great destiny.

There's a God in my heart and I call my GOD LOVE and my God's as strong and as powerful as anything that comes from above. Love is not something that you need blind faith just to know that it's there. If you open your eyes you'll see it everywhere. I believe in LOVE and that's one thing I want to share. If you love yourself and others, Peace and Serenity will surely be yours from the beginning to the end of your life journey.

Success, whether measured in business, family or love, is often determined by the "right" attitude. Unfortunately, maintaining that proper frame of mind, a positive attitude, isn't always easy. Sometimes, in spite of our best efforts, life just seems intent on bringing us down. Inspiration, however, is rarely far away - if we are but willing to look for it. No one is ever born into life alone. Everyone has shared the bond of family, at least at birth, and for many people it is a bond that will follow them throughout life. For many people it is the most important bond of all. No one person can ever experience all that life has to offer. It is only through sharing experiences, feelings and insights that we can hope to grow beyond our own meager lifetime.

If Jimmy Carter did nothing else for us as a president, his statement on faith was quite profound.

"I have one life and one chance to make it count for something . . . I'm free to choose what that something is, and the something I've chosen is my faith. Now, my faith goes beyond theology and religion and requires considerable work and effort. My faith demands -- this is not optional -- my faith demands that I do whatever I can, wherever I am, whenever I can, for as long as I can with whatever I have to try to make a difference".

Well My Friend, I'm glad you are still with me! I hope you are enjoying your trip along the highway of the mind. As we make these stops, on our event filled journey, pick up what you have learned and take it with you. Remember, learning is knowledge and knowledge is power. Our next stop is in a place called Denial. I don't think anybody lives there; anyway, no one will admit it.

 

Stop Four

Denial

Before we visit Denial let me set the record straight. I'm doing this because I want you to know me, trust me and have complete faith in me. I want to be your friend in every sense of the word. It is time I reveal my true station in life and I hope you will understand and stay with me. I was an alcoholic and substance abuser for ten long years of my life. I lived in a place that I call the Gray World, a place for the outcasts from the Real World. I won't go into my story but I found a reason to change and move back into the Real World. I now live a happy, successful, active and productive life and I have dedicated the rest of my life to help others do the same. Some of the content that you'll find in this book was originally directed to the abuser. However as I grew in knowledge and wisdom I found that the techniques that I use in this book (They same techniques that saved my life and has since saved hundreds of lives) will work in any situation or circumstance. Therefore I have broadened my dedication to help anyone and everyone with a true desire to change their way of life for the better things in life. Now if you are still with me let's continue.

Denial is used as a block out tool to avoid self hurt and hurting those that we care about. It keeps people from facing the issue and finding solutions to take positive action when their overall happiness is at stake. People keep to themselves whiling in emotional denial not facing negative life situations and bitter relationships that keep them imprisoned in life's circumstances. They are aware that the situation is not good, but not bad enough to face the problem and take positive action. Facing the brutal facts is important to eliminating unhappiness. To face the truth would mean acknowledging the fact that there is an emotional price to pay when you don't find the solution to solve the problem. The person in denial will stay in denial until they face the cause of denial and nip it in the bud. Every day you don't take action the problem will get worse. At worst it hurts, at best it keeps everything in an indeterminate state.

 

This isn't a very high price when you're living form moment to moment. However each fleeting moment can turn into a day and each day can turn into a week and before you know it time becomes a slow dying death for yourself and others. Your chance for happiness will be wasted away struggling to find a solution but while still in denial.

 

To find true happiness there has to be a means to deal with and eliminate unhappiness in our real life situations. Eliminating unhappiness means finding a way to take positive action. It is only by facing the real issues, changing your negative way of thinking to positive thought, eliminating unhappiness and replacing it with happiness that you'll have a chance to build a new and better life. Facing the brutal facts is much more than putting on a happy face and acting happy, you have to overhaul your attitude and change your way of thinking.

 

Denial is an unconscious defense mechanism which is necessary for survival. None of us can survive without a certain amount of denial to keep us in balance. However denial in people who have a traumatic problem is taken to an extreme and becomes unhealthy in that it becomes an obstacle to their recovery. People have a tendency to go into denial when they need help. One reason for denial is that people generally do not like to feel helpless and out-of-control.

Denial in addiction is primarily difficult because the problem of the substance abuse plus denial and driving can be fatal for the abuser and others. In addition, some of the health risks associated with denial includes heart disease, lung and liver disease, overdosing and brain damage. But, no matter what the cause is of the denial, the important part is that the addict confronts the defense mechanism head on... Many times, for many reasons, the person suffering from denial will start to face their denial because their lives truly have become unmanageable.

I have researched many so called miracle and magical treatment programs to insure my recovery and success. I have found that most all of them are good to a point, unfortunately, at least to my knowledge none that I researched offered total recovery. It took a dedicated effort and perseverance, on my part, to find the right solutions. In other words, it takes pure guts and determination as well as the power of positive thinking and a complete change of mental behavior to find success in any endeavor.

 

The Junction Stop

ATTENTION:

This is an important message;

 COMING STRAIGHT FROM THE DESK OF BIG DADDY CASH!

 Did you ever wonder why most people never achieve their dreams and reach their ultimate goals? Some fear success and others have no self esteem. Then, in my opinion the worst are the procrastinators and the completely hopeless. If you give it some thought I'm sure that you can list many more reasons.

Goal setting is of vital importance for your success. You could say that goals are the keys that will open the doors to your dreams. Actually goals are nothing more than realistic dreams put into words and the plan is putting those words into action. Put your dreams in writing and then develop a time frame in which to accomplish them. Most people spend more time dreaming of success then they do planning for success.

As strange as it may seem we are all equal when it comes to the time we have available to us. We have 24 hours a day, whether we use it productively or waste it that's entirely up to us. I frequently hear the complaint. "I just don't have enough time to read your book and take all your steps." This is a cop out the truth is they don't know how to manage their time or their desire for change is just not strong enough.

How well do you organize your time? I want you to make a list of how you spend your time in a 24 hour period. Start with how many hours you spent sleeping, the time you spend preparing meals and eating your meals, the time you spend getting ready for work, the amount of time you spend going and coming from work, and the hours you spend working, the time you spend watching TV and playing video games, the amount of time you spend on your computer, and finally the time you spend wasting time. Your total, more than likely, is much more than 24 hours .Determine where you can cut back or even eliminate some of these things. If you reduce the amount of time you watch TV,  cut out your wasted time and cut back on the hours you sleep you'll have more than enough time to read Highways and Byways of the Mind and use the steps I'm giving you to bring happiness and success into your life.

 

We have come to a junction on Highways of the Mind. So far we've visited four points of interest, places that will lay the foundation for your success in any endeavor you so desire. Take what you have learned from these four points of interest and add it to your bank of memories. Remember this; your condition health wise has to be recognized and treated. Your mind has to be attended to by removing all negative thoughts and replacing them with positive thoughts. Your spiritual attitude has to be overhauled to except faith and the existence of God. What it all boils down to is a complete change of your thinking. The reason it sounds complicated is because we as humans are complicate. That is why I direct my attention on the whole you, Body, Mind and Spirit. To attain success you need a true desire to accomplish your heart's desire. Until you get serious about getting all of you fixed, you're likely to remain where you are, as you are, you must be totally committed if my plan or any other plan will work.

 

What I'm teaching you I learned from the best mind enhance people and programs in the business of mind enhancement. How can you fail with this kind of power, it is all right at your finger tips. If you are ready to change your way of thinking and start living a more productive life and you want to do it my way, which I believe is the easiest way. Then it's time you get serious. Ask yourself these three questions. (1) What will a total change of my minds way of thinking mean to me? (2) Can I make it my goal to change my way of thinking from negative thoughts to positive thoughts? (3) Am I willing to set aside everything else in my life to achieve this goal? Take a few minutes and let these three questions take over all thought. Close your eyes, take three deep breaths, become completely relaxed and let these three questions enter your subconscious mind. Answer these three questions with positive answers and commit them to memory. Read what I have written, absorb what I have written and use what I have written. When you have done this you have taken your first step to achieve success in whatever it is you want to achieve. Trust me; your mind can easily take care of all of the contributing factors.

 

We are here at the junction point to make the commitments that are going to change your life forever.

If you will let me, I'll make this commitment to you; I will help you make the rest of your life the best of your life by giving you the steps that will change your way of thinking. Think positive thoughts and be the master of your destiny. Highways of the Mind (Make Your Dreams a Reality) is the master key that will open the door that ultimately leads to the achievement of all your goals and desires. Open the door now and make all your dreams come true.

To be successful in anything, you have to look in the future not in the past. Forget and forgive yourself for the mistakes you have made. Make a new beginning and let your mind know who you are, what you want from life, and where you want to go with your life, moving from the Gray World into the Real World is a blessing in disguise and new doors will open.

Life can be anything you want it to be, you have to make it happen. Set your dreams and goals high and look for new opportunities. You have a chance to do what you may have only dreamed of doing before. It takes strength and courage and the answers will come as you take that step forward and endeavor to move on. Starting over takes hard work and dedication but keep in mind the best things in life will be your reward.

We all have our problems and we can all make excuses. When it gets right down to it, which do we blame and what do we blame for our life circumstances? If you have an answer then I wish you'd tell me. If you have the right answer you don't need my help.

Sincerely Yours, Big Daddy Cash

 

Stop Five

Meditation, Auto Suggestion and Self Suggestion

 

Before I continue I'd like to quote what William James, The Father of American Psychology, had to say about the power of the subconscious mind.

 "The greatest discovery of the 19th century was not in the realm of the physical sciences, but the power of the subconscious mind touched by faith. Any individual can tap into an eternal reservoir of power that will enable them to overcome any problem that may arise. All weaknesses can be overcome, bodily healing, financial independence, spiritual awakening, and prosperity beyond your wildest dreams. This is the superstructure of happiness."

 Always be positive in the way that you think and feel and you'll always get a positive reaction. I spent a life of "Hell" in the Gray World and by using the methods that I'm giving you from my heart, I was able to return to the Real World and now I'm living a happy and successful life.

Relaxation Exercises 

(1) Go to a comfortable place where you won't be disturbed, relax in any comfortable chair or lie down on your bed.

(2) Close your eyes and try to rid your mind of any hostile feelings. At first, you will find it difficult not to think. Thoughts and Ideas will keep intruding. When this happens, don't try to force the thoughts out. Observe them, and let them slowly fade away.

(3) Now let's get rid of the tension in your body. Beginning with your toes, imagine the tension slowly falling away and vanishing. Imagine it freeing each body part one at a time starting with your toes and working its way up your body. Visualize each part of your body becoming lighter and lighter as the tension is removed. Relax your toes, then your feet. Continue with your calves, thighs, hips, stomach and so on, until you've relaxed each portion, including your face and head.

(4) Take slow, deep breaths. When you exhale, see the tension and negativity leaving in a dark cloud. As you inhale, see the air returning as a bright force filled with life and energy.

(5) Appreciate the fact that you are now extremely relaxed. Imagine you are at the top of a flight of 10 stairs. Picture every detail of this scene from the top to the bottom. Tell yourself that you are going to descend the stairs, counting each step down, starting at 10. Picture each number in your mind. Imagine that each number you count is further down and one step closer to the bottom. After each number, you will feel yourself drifting further and further into deep relaxation. As you take each step, imagine the feel of the step under your feet. Keep counting and stepping down until you reach the bottom. Once you reach the bottom imagine that you are happy and relaxed.

(6) At this point, you should begin to address the issue you're concerned about. Speak in the present tense. Your subconscious mind does not understand negatives in speech - avoid using statements with negative implications such as "I don't want to be a failure." Instead, say, "I am calm and relaxed and success isn't my problem." Examples of positive statements "I am strong and I won't surrender to weakness," "I am successful and positive," and, if you have pain, "I feel wonderful today in every way."

Repeat your statements to yourself as many times as you wish.

(7) When you are satisfied, say to yourself that you will now count upwards to 10 from 0, and when you reach the number 10, you will slowly rise back to normal consciousness and remain calm and relaxed. Proceed to count upwards, again picturing the numbers in detail.

You can make more precise impressions stimulating your mind to except positive suggestions easier and quicker using this next simple relaxation method. Using the first exercise up to and including step six will prepare you for this next exercise and most of the exercises that follow.

(1)Go to a comfortable place where you won't be disturbed relax in any comfortable chair or lie down on your bed.

(2) Close your eyes and try to rid your mind of any hostile feelings. At first, you will find it difficult not to think. Thoughts and Ideas will keep intruding. When this happens, don't try to force the thoughts out. Observe them, and let them slowly fade away.

(3) Now let's get rid of the tension in your body. Beginning with your toes, imagine the tension slowly falling away and vanishing. Imagine it freeing each body part one at a time starting with your toes and working its way up your body. Visualize each part of your body becoming lighter and lighter as the tension is removed. Relax your toes, then your feet. Continue with your calves, thighs, hips, stomach and so on, until you've relaxed each portion, including your face and head.

(4) Take slow, deep breaths. When you exhale, see the tension and negativity leaving in a dark cloud. As you inhale, see the air returning as a bright force filled with life and energy.

(5) Appreciate the fact that you are now extremely relaxed. Imagine you are at the top of a flight of 10 stairs. Picture every detail of this scene from the top to the bottom. Tell yourself that you are going to descend the stairs, counting each step down, starting at 10. Picture each number in your mind. Imagine that each number you count is further down and one step closer to the bottom. After each number, you will feel yourself drifting further and further into deep relaxation. As you take each step, imagine the feel of the step under your feet. Keep counting and stepping down until you reach the bottom. Once you reach the bottom imagine that you are happy and relaxed

This next exercise will help you commit to your goals, start the action to achieve your desires and help you change negative habits to positive habits.

(1) Make yourself completely aware of what you are trying to achieve and make it a definite goal. Picture your life as you want it to be. Paint that picture permanently in your mind.

(2) Keep in mind that you don't get something for nothing. What are you willing to give in return for this gift?

(3) Establish a date, time and place that this will happen.

(4) Establish a definite goal and make a plan for carrying it out. Begin at once whether you are ready or not. Take action.

(5)Write out your plan and be concise. Describe every detail. What you will do to achieve it? What you will give in return? When will it happen?

(6) Read your written word aloud, twice daily, once in the morning and once at night. As you read, see, feel and believe that you are all ready there.

The affirmations you feed to your subconscious mind are called positive resources.

It is important that you follow these instructions.  The object is to want this more than anything and become so determined that you will have it, that it becomes an obsession.

The subconscious mind makes no distinctions between thought impulses whether they are constructive or destructive. It works on whatever material it's fed. It will translate thoughts driven by fear just as readily as it translates thoughts driven by courage and faith. Those who go down in defeat and end their lives in drunkenness, poverty, and distress do so because of a negative application of the principle of auto suggestion ( All Impulses of Thought Have a Tendency to Clothe Themselves in Their Physical Equivalent ). The law of auto suggestion allows a man to rise to heights that stagger the imagination and soar beyond the improbable dream.

Take a good look at your life; have circumstances numbed your brain and taken from you what you really wanted your life to become? Have you given up on creating the ideal life you once dreamed of having? Have daily problems caused your life nothing but misery and pain? I have been there and I know your answers to these questions. Thank God I found the solutions before it was too late. I found out that most people settle for the life they are living. Unfortunately most people accept what life dishes out. The solutions to success are the steps that I'm teaching. I know they work because they've worked for me and countless others. I want you to discover your purpose in life by using your own creative energies to attain that purpose.

All of the techniques and steps that I use in my book are powerful and easy to use. The more you practice the simple steps I teach the more your brain will streamline them, making them easier to do and re-enforce their effectiveness. In this exercise we will program a resource state into a future situation. Now use the steps that I have given you to but your mind in a relaxed state. The more relaxed you are the more powerful this exercise. Make sure you anchor and test anchor as explained.

(1) Think of what you want more of in a future situation (Ecstasy, Joy, Happiness, Creativity, Confidence, Compassion, etc.)

(2) Breath deep breaths and take yourself deeper into a trance. Deeper and deeper into the trance. (Each time you do this you'll be able to go deeper)

(3) Imagine a time in the future that would allow you feel this resource. A time when you' feel it the strongest. Put your body and mind right into this place or time. Take yourself deeper.

(4) Completely associate with this experience. See what you saw, hear what you heard, feel what you felt. Make the colors brighter and brighter and make the sounds louder and louder. Anchor these feelings by squeezing your finger and thumb.

(5) Take note to where these feelings are in your body. What color would give you these feelings? Imagine spreading that color throughout your body slowly, up and down. When the feelings are amplified squeeze your finger and thumb to capture the feeling.

(6) Now snap out of it. (Break state of mind) Look around the room. Remember something important.

(7) Test Anchor: Squeeze your finger and thumb together. If you have done the above steps right you should feel those feelings coming back.

(8) Congratulate yourself, this is important because it re-enforces the thought in your mind that that you can do this exercise

This exercise is referred to as a supreme resource state. It can be used to empower personal changes. Resource states are states of mind that can be used to positively reprogram your past, present and future.

With timelines you can make positive changes to your way of thinking fast (almost instantly) and easy. We are going to use this step to process new information to your mind that will change your way of thinking and give your trip an "emotion explosion". It can be a little difficult right a first to except this new concept but once learned it becomes easy. Visualize your mind as being a large incredible flexible bio-super computer that represents information in an infinite number of ways. The time line is a line that takes you from the past (childhood), to the present and into the future allowing you to move back and forth a few degrees (meters) at a time. So let us do this experiment. I think you'll enjoy it! Once you get this concept down pat you will be on your way to massive benefits. Let's get started;

(1) I want you to find a room that is actually big enough to allow you to walk a timeline.

(2) Stand in the middle, look directly in front of you, this represents the present.

(3) When you move slightly to the left visualize moving back a year, move a little bit further and go back 5 years, keep on moving to the left all the way back to where you were an infant. This will be the start of the line. Play with this until you are comfortable with it.

(4) Now return to the center (The Present). Moving to your right will place you in the future, imagine where you will be a year from now move a little more-2 years, a little more - 5 years etc.

(5) Notice that at any point on the timeline you can look backwards or forward, traveling from the past, to the present, to the future.

* Congratulate yourself. You have just created one of the most powerful change concepts in existence!

(6) Stand in the present, look to the left in your past, remember a time from a few years ago when you had a wonderful experience, remember its position on the timeline. You may see a vague picture or represent this time with a symbol. If you don't see anything remember its place on the timeline. Trust it!

(7) Remember 3 more experiences from the past and position them. Remember where they are.

(8) Now imagine 2 future events and position them. Remember where they are.

Now you are ready to do an amazing "emotion explosion" (don't you just love that phrase, it was introduced to me by a Russian pen pal.)

(9) Think of a negative emotion, that you think of often, that you would like to change. (Guilt, nervousness, resentment)

(10) Put yourself in the Present position on the timeline.

(11) Move slowly to the left until you get to the time you first felt that negative emotion.

(12) Keep moving to the left and stop every time you feel this emotion. Remember the positions on the timeline. Go back as far as you can to the first time you felt this emotion.

(13) Skip and make the next step 14 (not superstitious, just couscous)  

(14) Now step back of the timeline and picture it in front of you. Notice the memories that you have positioned. Trust Them

(15) Out of all the times you've experienced this negative emotion what resource state would allow you to feel normal? Replace the negative emotion with a positive emotion. "Emotion explosion"

(16) Anchor (By pressing your thumb and finger together)

(17) Give the positive state a color and spread it through your body, slowly up and down. Now give the state a sound, remember the sound.

(18) Break State (Look around the room)

(19) Now step back on your timeline (in the middle at the Present). Step to the left and Re observe your negative states. Look for the symbols, the pictures, the colors and sound.

(20) Trigger your anchor by squeezing your thumb and finger together. Re- experience the pictures, the symbols, the colors the sound. Look for the symbols, the pictures, the colors and sound and remember them as a mist permeating the entire time line.

(21) Break State

This exercise works like magic. By using the time line you can make your negative thoughts become positive and more pleasant. You can change your way of thinking and you can program future events.

Never make important decisions when you are feeling down and out or when you simply feel bad. Most likely you will make bad decisions if you make them while you are in a negative state of mind. This is why most people make bad decisions. For instance, you had a fight with your boss, why not go out and get drunk, your wife is being a bitch, why not go out and commit adultery. If you are feeling good about yourself these are not the decisions you'll make. Of course you could have made decisions that were much worse; you're tired of your bosses crap so you're going to take him off the map, your wife bitches so much, why not shoot her. Feeling Bad, Bad Thinking, Bad Decisions! It is time to change your way of thinking from bad to good.

When you are feeling good it only stands to reason that you make good decisions. That makes sense, don't you think?! Feeling good more often has many more benefits such as, clear thinking, an optimistic outlook, more self esteem, better social interaction and you have more fun.

Now I'm going to teach you a technique that allows you to program good thoughts into your mind so that good feeling will come spontaneously.

In this technique we will use the timeline again and program good feelings into the future.

Go to your special room and put yourself in the present on the timeline.

Past________________ Present_______________Future

(1) Now I want you to pick a resource state that you want to experience in the future. Example; fun, joy, happiness, optimism, faith, pleasure, etc.

(2) Remember the special time you experienced this resource state. Relax and relive the memory. Get those special feelings back.

(3) Anchor your feelings with your thumb and your finger (If you wish you can go back to step two and stake another resource state. - Example; Faith + Pleasure

(4) Now give this state a color. Spread the color throughout your body. Give this state a sound. Amplify, louder and louder. Remember the sound.

(5) BREAK STATE

(6) Think of three events in the future where it would be appropriate to feel this state.  ANCHOR

(7) Notice where they are on the time line. You may see pictures or symbols or just know that they are there on the timeline.

(8) Once you are there you can allow your subconscious to symbolize other appropriate events in the future. Trust your subconscious with this. GO a year beyond your third special event.

(9) Now turn around with the anchors still triggered and see the color as a magical mist permeating all of your time line. Make some wonderful positive changes.

(10) Walk up the time line to the year beyond the third special event,

(11) Now turn around with the anchors still triggered and see the color as a magical mist permeating all of your time line. Make some wonderful positive changes.

(12) Visualize a great future! BREAK STATE

You have just programmed a compelling future keep adding resource states to your timeline by repeating this exercise.

 

It is important for you to dream big and set positive goals for what you're seeking to accomplish. I don't want you to miss out on your own true potential. Nothing is impossible it's up to you to make it possible. Once you know what you want, the next step is to manifest it into your life.

Auto suggestion applies to all suggestion and all self administered thoughts and ideas that reach the mind through our senses. Auto suggestion and self suggestion are basically the same. Simply put, it is a way for the conscious mind to communicate with the subconscious mind. We have complete control over all the thought that reaches our subconscious mind, therefore it is the best way to change the way we think. We can completely change our life using a few simple steps. You can liken your subconscious mind to that of a fertile garden in which weeds will grow in abundance if the seeds are not desirable. Auto and self suggestion is the method which we use to feed our mind with creative thoughts and ideas. By neglect we permit thoughts and ideas of a destructive nature to find their way into the fertile garden of the mind.

One of the major weaknesses of the average person is the word impossible. We know all the things that will not work and we know all the things that cannot be done. I suggest that you take the word impossible out of your dictionary and replace it with the phrase "All Things Are Possible." Those who succeed in life are success conscious and those who fail are failure conscious. What I am teaching you is the art of changing your mind from failure conscious to success conscious. Your abusive habits have steeped you in poverty, want, failure, misery and defeat. Now we're going to change all of that and change your way of thinking to the valuable and rewarding things in life.

Repetition and retention amplifies and intersects with sense. I use them both to help me memorize and write.

This is repetition of a negative kind, referring to men of crime; "When men first come into contact with crime, they abhor it. If they remain in contact with crime for a time, they become accustomed to it, and endure it. If they remain in contact with it a long enough, they finally embrace it, and become influence by it." You could reword it just a little bit and it could apply to substance abuse or change it around to a positive nature and it could apply to recovery. This would be an interesting exercise. Why don't you try it, and see what you can come up with.

Memories are constructions made in accordance with present needs, desires, influences, etc.

Memories are often accompanied by feelings and emotions.

Memory usually involves awareness of the memory. We may not be conscious of the fact but memories are claimed to be significant causal factors in shaping conscious thought and behavior. There is a great deal of supportive evidence for the claim that the more traumatic an experience, the more likely one is to remember it. There is also evidence that extreme traumatic experiences are forgotten and hid in our subconscious mind.

Anyway, I like to use different methods of meditation and again it is my educated opinion that meditation is a good way to get rid of stress, sleep better, eliminate anxiety, relieve depression, boost intelligence, creativity and confidence, slow ageing, increase energy, and create remarkable emotional changes at the deepest level? The experience of deep meditation is so powerful it immediately begins to create profound, positive changes in the structure of your nervous system and your life!

 

Alpha Level Exercise

With this exercise we will enter your center brain frequency, the level for deep relaxation, The Alpha Level

While in the Alpha Level; you will experience the beneficial effects of Meditation. Once You Learn to Reach the Alpha Level, you can use these techniques too: reduce stress speed up your body's natural mental healing change your attitudes, get rid of negative habits, apply creative visualization and use your intuition.

Intuition "The ability to sense or know immediately without reasoning",

 When meditating several important things happen physically and mentally. We "focus internally" and let go of the outside world (the same as going to sleep, but without losing consciousness).

This permits our brains to change into a more stable and stronger brain frequency normally reached during slumber.

When we can reduce our brain frequencies to these levels while staying awake we are able to bring the unconscious mind to the conscious level. This allows us to control the power of the unconscious mind.

There are two types of meditation;

 (1) Passive Meditation.

(2) Active Meditation.

Each method has its own way of reaching the inner state of mind, and each has its own goals.

Passively, we will let go and go within, where we "deactivate" our survival mechanisms and allow our body's natural health and rejuvenation abilities to become activated.

Using these two techniques will allow you to use the relaxed, healthy state of mind that occurs during meditation, to solve your day-to-day problems. You can tap the super-conscious to solve your problems, reach your goals, and come up with new ideas and solutions to problems

My techniques are all simple yet really effective in the way you change your way of thinking. Everyone has a threshold for what they can handle coming at them from the world. When that threshold is exceeded, we attempt to deal with being pushed over it with a variety of coping mechanisms, including anxiety, anger, depression, overwhelm, sadness, substance abuse, and many others. The main thing meditation does is provide a stimulus to the brain that pushes that threshold higher.

There are several exceptional CD's that can help you change your way of thinking through meditation using audio suggestion. Preprogrammed suggestions by leading psychologists do wonders for your mind. However self induced suggestions prerecorded by you are the most effective. Buy yourself a small recorder and record the messages that you want to use to change your thinking and stimulate your mind. You can meditate while you're sleeping. Don't procrastinate, do it. This technique works faster than you can imagine. When you go to bed tonight use the steps I use to put my mind in a hypnotic state and set your recorder to play the suggestions while you sleep.

For these next few techniques you have to be prepared with the right equipment. You will need a Walkman disk player and recorder and a musical metronome. If you don't have these items then I want you to buy them. I bought the very best of both at Amazon, Com. for about $30. Make sure you get a metronome that will let you listen to the beat. Return to this exercise when you are ready.

Now I'm going to teach you my method of self hypnosis, the first exercise is a set up exercise. Pay close attention to my instructions.

(1) Make yourself comfortable, relax and get ready to record. You are going to record an audio that will guide you to a healthy, relaxed level of mind. Place your metronome near the receiver and set the beat slow to medium. Record your voice in a slow monotone sound. Practice with normal phrases. Record your voice and then play it back until you get it to sound like you want it to sound. Make sure you have picked up the beat of the metronome in the background. You might even want to play soft beautiful music it the back ground but don't drowned out the beat of the metronome. The music can help set the rhythm of your voice.

(2) Imagine yourself as a meditation instructor or a famous hypnotist putting your subject into a trance. When you are ready you can start recording. I'll guide you through the process. Remember you are a professional instructor or hypnotist.

(3) Slowly repeat after me; "Make yourself comfortable, (Short Pause) Close your eyes and relax (Short Pause) sense the feel of warmth caused by your circulation. Relieve all tensions in your body (Pause) Slowly relax, keeping in mind that it takes longer to relax your body then your mind. (Medium Pause) Take a deep breath and let it out slowly. place your body in a deep state of relaxation.(Short Pause) I'm going to guide you through relaxation process (Pause) Now direct your mind to your scalp. concentrate on this part of your body .Your forehead, your eyes, your ears, your nose and your mouth.feel a deep sensation of warmth caused by circulation (Pause) This is comfortable, this is as should be.a normal reaction (Pause) Feel a tingling in the skin surrounding the scalp (Pause) release and completely relax all tensions and ligament pressures from this part of your body (Pause). concentrate on relaxing all the parts of this part of your body including the skin, tissues and the cells (Pause) Feel a deep sensation of warmth and tingling sensation (Pause) This is normal reaction, caused by circulation (Pause) Deeply relax and relieve all the tensions and pressures in this part of your body.(Pause) Feel the deep sensation of warmth (Pause) Go deeper and deeper every time. (Pause) Let your mind feel your body healthier and healthier every time. (Pause)

Note: Go through this whole process for each part of your body all the way down to the heels on your feet. ( your eyes and eyelids, your nose, your lips, your throat, your shoulders, your chest, your stomach, your waist, your abdomen, your thighs, your knees, your calves, your ankles, your feet toes and heels). You can shorten the recording by using your own words but keep it positive.

(4) Concentrate on your feet, remove them from your body, they do not belong to your body. (Pause) Your feet, ankles, calves, knees, thighs, waist, arms, hands and shoulders feel like they do not belong to your body. (Pause) Now you are at a deeper healthier state of mind than before. (Pause)

Note: Now you have your subject (you) in a deep state of relaxation. It's time to enter positive resources. First enter a tranquil and passive scene. Example; A walk through the woods on a beautiful summer day when the breeze is gentle, the birds are singing, and the squirrels are playing happily in the trees.

(5) Describe a scene in which you feel beauty, comfort and joy. (Long pause) Describe another scene that makes you feel happy and comfortable (pause) Visualize yourself being happy healthy (You'll see these scenes in your mind when you are listening to your recording)

(6) (Record this) your mind is now in a deep state where you have complete control, deeper than before.

(7) Enter a positive resource state. Example; I am the master of my destiny, I'm stronger and wiser than I've ever been, etc

(8) Now anchor and test anchor.

(9) Break State counting backwards from 10. When you reach 1 open your eyes and be wide awake.

(10) Congratulate yourself

 Remember

1. Start to "concentrate" right from the beginning of your recording. when

2. Concentrate on trying to feel the pulsations of those vibrations in each area

3. Concentrate on all parts of your body and amplify your imagination.

4.  Give your affirmations you color and feeling. When you combine your body relaxation with mind relaxation you will be much more relaxed at the end of the exercise. The more you practice, the easier it will be to relax completely. Practice makes perfect!

The more you go into alpha, learn to visualize, relax, and tune into your intuition, the healthier and better your life will become.

The steps that I've outlined using meditation for relaxation will put your body to asleep. Your subconscious mind will be brought to the conscious level and you will be in full control over your mental abilities and thoughts.  

Procrastination is the tool of the devil. Stop and ask yourself a moment...just how much has procrastination cost you over the years? Has it cost you yourself respect? Have you lost out on great opportunities, only to watch someone else take advantage of them? Besides the losses in pure dollars and cents (there's no about it, being a procrastinator does make you poorer) the biggest cost to you is what procrastination does to you, to your self-image and to your fulfillment of life. Let's face it, you are not happy with your present situation and if you keep procrastinating you'll stay unhappy. So let's change your way of thinking right now. By learning how to stop putting things off you'll be more efficient, have more self confidence and have much less stress. You'll also find it much easier to perform daily tasks and accomplish anything you set your mind too. Procrastination is only a state of mind - one that you can easily change. Take a few minutes each day and tell yourself you'll not put off until tomorrow what you can do today. Eventually it will become a habit.

I want you to realize that no success or self cure will endure for any length of time unless it is built upon honesty and integrity. Engage in no transaction that doesn't benefit all of those it affects. You will find success in your own forces plus gain the cooperation of others. You will, by serving others, induce others to serve you. By eliminating the traits that cause a negative attitude in others as well as yourself and developing a love for all humanity you will regain the trust of others finding real happiness and a lifetime of success.

BREATHING EXERCISE:

The Breathing Exercise is simple to do yet very effective. It can be done anytime of the day from where ever you are. I have made it a habit to use it several times a day when ever I think about it. It helps me to relax and function at top levels of efficiency.

Basically, this is what you do:

FIRST, clear your mind of everything. This includes worries, brought about by financial obligations, work stress, troubled relationships, everything and anything.

SECOND, Inhale through your nose as deeply as you possibly can.

THIRD, when you feel like you have reached your lungs maximum capacity, keep trying until you cannot breathe in anymore.

FOURTH, now hold it for a few seconds, and exhale through your mouth slowly, taking 3-4 seconds to fully exhale. Repeat this and keep doing it for as long as you feel able, I do this every morning when I get up and every evening before I go to bed. See if you can at least do this for 20 minutes a day.

Here is another way that I sometimes do deep breathing. I enjoy taking long walks so I breathe in deeply when I take 5 steps and slowly exhale when I take the next 10. I repeat this several times while enjoying my walk. Our life energy is carried in our breath and exerts its self on any given situation.

This practical effort to focus completely on our breathing, takes our minds away from the "mind clutter" that constantly tries to invade our minds and eliminate the feelings that will lead to a time of calmness and relaxation. With repeated effort the goal of clearing your mind (to think of nothing), does occur and the process of meditation takes on its own energy. The result is, and I guarantee this, peace, serenity, calmness and eventually opening yourself up to new insights.

Breathing exercises make it easier to do the relaxation exercises that prepare you for auto suggestion, meditation, self hypnosis and other mind enhancing exercises. They are simple, they take very little time and they put you in the right frame of mind. I suggest that you do breathing exercise at the start of any exercise that I present to you in this wonderful new world of exercises. I also suggest that all of the exercises I give to you be made a part of your life for the rest of your life.

Reminiscing goes hand in hand with the methods we are using here at this stop on the Highway of the mind. In the middle of the night when I'm all alone at my computer reminiscing has brought me strength and renewed the goals I once had. It has helped me tremendously and I know it can help you. Set aside a time when you feel at ease (At least once a week). If it does nothing else it will bring you countless hours of peace, relaxation, and joy. 

Reminiscence refers to recollections of memories from the past. It is familiar to us all and can be utilized for the benefit of others. For people who are afflicted with problems of any nature I encouraging the act of reminiscence. It can be highly beneficial to your inner self and your interpersonal skills. Reminiscence involves exchanging memories with the old and young, friends and relatives, with caregivers and professionals, passing on information, wisdom and skills. It is about giving the person in need a sense of value, importance, belonging, power and peace. We all use it to cope in times of stress, such as mourning, it can also help reduce injury to our self image and it can create a feeling of intimacy and give special meaning to contact time with others.

I don't recall mentioning this while I have been with you on this journey of ours but I love to write poetry and short stories. I'm encouraged by events of the past; these special events are brought to me when I reminisce. I love the magic of words and they give me a sense of power when I write. However through reminiscence you establishing identity with or without words, it's a good example of how we have to adapt, giving a valuable opportunity to acquire and use new skills of communication.

I can better explain how reminiscence works through the words of one of my poems;

As I sit here alone staring down at my keyboard
searching my mind for those magical words.
I look at the past and reminisce about all the good
things and good times that I've had.
I remember the time when the best was all mine.
My future was set and my goals were defined,
And everything was all going my way.

Everything that I had seemed solid.

Everything in my life seemed so pure.

I stare at my monitor and watch all of the yesteryears fly bye.

I look over at my printer and ask myself why.

Why oh why did these things pass me bye.
I miss my sweet spouse and the kids running round the
house.

I miss my Blue Spruce and the yard that I groomed.
I miss the Bar B Q that I built and the family parties we had.
I miss it all, and my heart fills with tears as I think of
those years and the wonderful life I once had.
Then I say to myself "STOP" your life's not over yet,
make the best of what you have left.

You've got friends galore and so many things to be thankful for.

You're wiser now so share what you know and give help to those in need.

Show love and compassion to all of your friends and to all others.

 Let your heart swell with joy and get rid of those tears.

There's no room in your life to feel sorry for yourself the best in life is still yours.

So even though you felt lost now you've been found and it's time to set yourself free.
If it's going to be it's all up to me and that's the way it has to be.

If you've read and absorbed what I've written I want you to know that I wrote it just for people like you, with a true desire to find the best things in life and move in the right direction for the rest of your life... I know for a fact by your reading this far you are well on your way to living a life that is happy and financially free. Strengthen your conviction and stay on the path that will take you where you want to be.

 

A Moment of Mine
Recollections from the Past

My Grandmother used to sing a song to me . . . It went something like this; . . . A story I'm going to tell of a women old and gray . . . Walking the streets in the cold and the sleets at the end of a winters day. Quite weary she sank in a chair in front of a building grand . . . when a youth inside with over bearing pride came and ordered her away from there. Next door there stood a newsboy who owned a little stand . . . He saw the poor old lady ordered from the building grand . . . He ran inside his humble store as if in childish glee . . . He brought a chair from out the place with a smile upon his face . . . As these kind words he said; ...Take a seat old lady for you are welcome here . . . You'll find it here and waiting when you pass this way . . . In silence she sat for awhile . . . poor soul she could scarcely speak . . . At last she arose and said with lips that were trembling blue . . . I'll remember you lad once I had a boy like you . . .Well, three years have come and gone since then . . .the same old place we see. . . the boy received a letter wondering from whom it could be . . . She had died without a kin , . . Left her millions all to him . . . Through these kind words he said . . . Take a seat old lady for you are welcome here . . . you'll find it here and welcome when you pass this way.
It's really something, the things you remember when reminiscing in the middle of your night my grandmother used to sing a lot of songs like this and they all seem to have so much meaning. These are things that I haven't thought about in well over 50 years. Yet I can hear them now as if she were here in person singing to me. Listen here's another one...Once there was a Dutchman who invented a terrible machine. It ground long tail rats and pussycats into sausages and things... Oh Mr. Dundenbeck how could you be so mean...For long tail rats and pussy cats nare more will be seen...Their grounded into sausages on that terrible machine. Now something got the matter with the machine it wouldn't work... So Dundenbeck got inside to see what he could do...His wife she had a night mare was walking in her sleep... She gave the crank one hell of a yank now Dundenbeck is meat. That's probably not exactly how it went but isn't it funny how things come back in the middle of the night.
Times when I'm all alone when all the work is done. These are the times when I reminisce bringing back sweet memories of days gone by. The mind is the key to the vehicle that travels the roads and byways of time. All these journeys and their detours that couldn't be avoided come back in flashes. My mind takes me places that I had forgotten exist. The mystery is how the mind covers the hurts, disappointments, tragedies and heartbreaks with shadows so they vaguely appear. It seems like when I reminisce it's of goodness and cheer and hardly ever of the bad things that bring up a tear.
Where am I going with this? I really don't know. When I reminisce my mind rambles from here to there. I pick up bits and pieces of memories that are scattered all over my past. I sit at my keyboard typing things down at a steady rhythm not stopping until I'm through Times like this I come up with the thoughts and ideas of all that I write... So what you're getting now is just mental jabber that may or may not lead some place. Believe it or not my best ideas come from moments like this.
This is something that I normally wouldn't put into print but I thought it would be fun to show you how my mind really works. My thoughts and ideas are stimulated and motivated by past experiences brought back in memory while reminiscing. I can touch, smell, and taste all the memories I embrace Everything comes back to me so vividly that it's like reliving each magic moment. For instance, I can remember when I was just a young lad I had a goat named Billy who use to pull me around in a little red wagon. Then there was my first real love, a little red headed girl with all kinds of freckles, her name was Joy Jarmen. Each one of these memories was simple and insignificant but they had a multitude of happy experiences attached to them. I could write a story about me and my Billy goat and another about my first attraction to the opposite sex.
It's so wonderful, especially if you're lonely at times, to relive the happy and what were to you the exciting memories of your past. There's a story in each one of the experiences that you've had and literally hundreds unfold to you as you reminisce in the past. It's said that when you're about to die your whole life flashes through your mind in an instant. It's remarkable how your mind can think about so many things all at the same time. Memories are all the treasures stored in your mind the parable being a library with thousands of books each one being a different event of your life. Can you just imagine if you were the author of all these books how many books you would have written? Just think? The entire wild adventures, the special events, the love stories, the mysteries, and the tragedies that would have all been written by you and stored in your own library. Mind boggling isn't it? All of this . . . when you reminisce!

 

Motivation

 

It sure doesn't hurt to get a little motivation to make your tasks easier. Just hitting on the right thought might do the trick. What I want to accomplish, while we're at this stop, is put together thoughts and ideas, in no particular order, that stimulate your desire to change your way of thinking. This stop is only meant as place for comfort that will hopefully stimulate your thoughts as well as your actions. What I'm trying is an experiment using thoughts and ideas that came to me while meditating.

What I want to do for you, and I will, if you let me, is stimulate your thought process and motivate your desires. Getting started is the hardest part of any job. If you have the courage to start then with the proper motivation you will have the courage to finish.

Keep away from the people who want to belittle your ambitions, small people do that, but the really great make you believe that you too can be really great.

Don't let frustrations caused by unresolved problems get you down? Life is full of problems that sometimes seem insurmountable. Nothing is impossible; you must stop, relax, and meditate then approach it from a different angle. If the answers don't come right away don't let it ruin your day, continue with your routine and come back later with a fresh outlook. Life is a process of finding solutions.

Each day a new door opens to all kinds of experiences and challenges. Meet the day with a smile and say to yourself that nothing no matter how big or how small will pass your attention. Meet all the challenges it brings head on and quench your thirst with its knowledge. Remind yourself that today will be a glorious day.

Here's a thought to carry with you today;

To achieve success in anything you need to start with a dream. Know your dream. Know why you are doing what you are doing. Create the fire that's needed to connect you with your dream. Create the passion you need in your pursuit of success. Create a desire to reach your achievements. Success can be yours if you have the courage to try. May your wishes all come true and they can it's all up to you.

The reward is yours but first you must labor, plant your thoughts and ideas, harvest them and watch them grow; remember you will sow in tears before you reap with joy. You can put your thoughts and ideas down in black and white or whatever color you prefer. You'll find it fun and challenging and best of all easy. If you are like most the people I know you learn best by having someone show you the way. I won't tell you what to do, I'll show you how to do it and then it's up to you.

Here is another one of my poems, Written about the power of words. I hope you find it motivating. I've always felt that by using the right words you could accomplish anything you put your mind to.

My Choice of Words

The right words used the right way

Could possibly save a life today.

By the same token words can leave a life broken

In the way that they're written or spoken.

Handle all powerful words with great care.

The very same words bring happiness or despair.

These are just a few words I use every day.

I use these words to give meaning to what I say.

Love, compassion, understanding and care.

Peace, motivation, comfort, joy and prayer.

Smile, laughter, happiness and serenity.

I try my very best not to use profanity.

I use words that are simple and easy to say.

I try to make each word an impression in some way.

Sometimes without thinking I say the wrong thing.

My heart knows right away the hurt it will bring.

On this keyboard I type words for everyone to read.

I hope to give them meaning and some pleasure indeed.

I try to be careful in all that I say in my rhymes.

I want to touch your heart, activate and motivate your minds.

Songs, short stories, and poetry are my hobby you see.

They're not the best but they come from the heart of me

If I can paint a picture that you can plainly see.

Then I've made all my words go to work for me

If the words that I use are truly what you'd like to hear.

And if they bring you comfort make you laugh and give cheer.

Then behind my keyboard you'll find a man who is really content.

Imagination

Here at this stop; I'll teach you the power of visualization and assertion to create Luck. It all starts with imagination it is the birth of creation. Using your imagination you have the power to create an image of anything that you want. Can you just imagine how wonderful it would be if all your problems would vanish? Imagine if you will a peaceful and financial free life. Your imagination can create all kinds of things and with the proper techniques you can make these things happen.

I'm sure you wonder what individuals do, that give them the King Midas Touch. These people use this power in an unconscious manner in their everyday affairs. They are not aware that they are using some sort of power. They visualize their goals in a positive way and attain success. All successful people use it consciously or unconsciously. These people have tapped into a resource that makes luck happen and that is exactly what you and I are going do.

You can shape your reality; control your habits and gain control over the events that influence your life. It may sound incredible but believe me it's true, imagination can help heal your body, change your way of thinking and bring God into your life.

I'm going to teach you two techniques that I often use to anchor my control (1) Affirmations (2) Visualization. I'll show you how to use these techniques to reprogram your mind and reshape your attitudes and behavior, in other words, change the way you think.

(A) Affirmations

Affirmations are the art of using thoughts, beliefs and attitudes of the happiest, most effective people on earth by burning their thoughts into your subconscious mind. To feel how they feel, and do what they do and get exactly the same results they get.

(B) Creative Visualization

Creative visualization is the ability to use the imagination to see images in our minds and make them come true. Through concentrating, feelings, and emotions it can become a great creative power that makes all these things happen. Used in the right way, visualization can make magical changes into our lives.

Now, almost like magic, in every single area of your life, you can literally erase fear, doubt & frustration and replace it with courage, confidence & willpower. In other words, your mind can spawn amazing coincidences to move you towards your goals. The coincidences could be things that were seemingly unconnected to you and beyond your control. However you do have control and it is my intention to show you how to us it.

Here is an affirmation that I'm sure you have heard, " I am getting better and better.every day.in every way" but have you tried to place it in your unconscious mind. Repetition of thought will install this or any other affirmation.

Now I'm going to put you to the test and find out if you have been reading my book and using the steps that I have outlined. It's of prime importance to go over these steps, practice them and memorize them. From the day you first opened my book or visited my site all the steps that I've taught you have become a part of your life and will remain a part of your life for the rest of your life. Keep reviewing all of my material until it is embedded deep in your unconscious mind. When you think you have it down pat review, don't ever stop, keep reviewing. You are here, at this place in time, to change your life and you will if you follow my instructions.

(1) Do the relaxation and deep breathing exercise.

(2) Now do the exercise that puts your mind in the Alpha State.

(3) STOP; (Brake Time) Do this exercise just before bed time. Choose a place that is quite where you won't be disturbed.

(4) START; Set up a timeline and place yourself in the present.

Past_______________Present________________Future

(5) Now put your mind back in the Alpha State. Visualize your timeline in a misty color. Look to the past and look to the future. See the color and hear the sounds of your different resource states. Anchor and move to the next step.

Note; We will use these affirmations A= I will always maintain a perfectly healthy body and mind. B= Positive thoughts, positive emotions, bring me all the benefits and advantages I desire. C= I am learning to use more of my mind and to use it in a better way.

You can also create your own affirmations; just make sure they're a positive resource.

Timeline. Past______________Present______________Future

(7) Walk slowly to the past, observing the states you have placed. Return to the present. Slowly turn around and observe your entire timeline in color and sound.

(8) Now walk slowly to the future observing all of the resource states in color and sound. Return to the present. Brake State and Re-Anchor

(9) Move one step to the right and place your first affirmation, move right one more step and place your second affirmation, move right one more step and place your third affirmation.

(10) Break, Test Anchor, Observe you affirmations in misty color and sound. Move five years into the future and stack your affirmations. Give them color and sound. Return to the present. Look into the future and observe all of the positive resource states. See them in misty color and sound. BRAKE STATE

(11) Anchor, Now walk your time line into the past and into the future observing all of your thoughts and affirmations. See the colors, hear the sounds, lock them into your subconscious. BRAKE.

(12) CONGRATULATE YOURSELF. You have just taken some powerful steps to change your way of thinking.

Visualization

Use your imagination for the visualization exercise. Close your eyes and visualize a movie screen six feet in front of you and four feet above the floor. Picture your mind as a projector that can project creative images on the screen. You can project anything that you want but make it something you wish for and desire.

Example: Let us say that your one great desire is to be a basketball star. Visualize yourself playing the game perfectly. See you making perfect moves and making every basket. Feel the joy of playing well and the excitement of winning. Project these images on the screen and mentally watch the game and marvel in you perfection.

If you have difficulty visualizing use a technique called streaming. In streaming you mentally describe what it is that you're seeing. Make the description as detailed as possible. For example if you're trying to visualize yourself in a luxury home mentally tell yourself, "I'm seeing a magnificent chandelier in my dining room with a highly polished solid oak floor. There is a light oak grand piano, just waiting to be played, sitting majestically in the south east corner. As you describe the image in detail you will find that the image also takes on more detail and your imagined image becomes more and more vivid.

You can combine your affirmations with your creative visualization to create a more powerful effect. As you're imagining your goal, simply repeat your affirmation mentally, as many times as you feel necessary. Don't be discouraged if you do not get immediate results. We are all at different levels of spiritual development and some of us have years of negative programming and negative belief systems to overcome. But overcome them you shall. Creative visualization can be such a powerful process when done at the Alpha level that just five minutes a day of practice can undo years of negative programming.

By now you have probably noticed how the exercises I use are all related. What I mean to say is they are all linked together and each new exercise introduces a new concept. For example I use the timeline to add resources, I use affirmation to burn the thoughts and ideas of other people into your subconscious mind, I use visualization to see images in our minds and make them come true, I use auto suggestion to change negative thoughts to positive thoughts and I use meditation to enhance new thoughts and ideas. All of these steps are used to change your way of thinking and I mix them as if I were making a hobo stew in a large cast iron pot. They are all powerful techniques when used alone but when used in combinations they become super powers. If I use them all together I have an exercise that delivers a massive explosion from our subconscious mind to our conscious mind.

This next exercise introduces a concept called Perceptual Positions. You've probably experienced this concept unconsciously but now you are going to learn how to use it consciously. I guarantee that it will increase your feeling of empowerment. Perceptual Positions is the ability to view experiences from different perspectives.

There are three definite Perceptual Positions. 1. Self Perspective: Seeing a situation through your own eyes and being aware of your own thoughts and feelings. 2. Perspective of Another: Seeing a situation through someone else's eyes and being aware of their thoughts and feelings. 3. Disassociated Perspective Position: Seeing yourself from outside you. Imagine you are looking at yourself and other people from a position outside of yourself, from over there or up there.

Here's the exercise;

(1) Imagine a situation that makes you uncomfortable.

(2) Paint a picture of that situation in your mind. Step outside the picture and look at yourself in the picture.

(3) Move the picture further away and notice how your feelings change. You should feel more comfortable and at ease. By being outside the situation looking at the situation you will experience a new perspective. Your feelings will change from negative to positive.

(4) remember another uncomfortable situation, another and another and do the same procedure on all three memories.

(5) Your unconscious mind will generalize this and do the same procedure automatically with future uncomfortable situations.

(6) Congratulate yourself you've just disassociated yourself from an uncomfortable (negative) situation.

(7) Now repeat the first six steps only this time deal with a positive situation. Imagine a wonderful experience.

Unless you have programmed your mind with prior exorcises this exercise my not work the first time. But don't give up eventually you will rewire and make your life more enjoyable.

Success, whether measured in business, family or love, is often determined by the "right" attitude. Unfortunately, maintaining that proper frame of mind, a positive attitude, isn't always easy. Sometimes, in spite of our best efforts, life just seems intent on bringing us down. Inspiration, however, is rarely far away - if we are but willing to look for it.

No one is ever born into life alone. Everyone has shared the bond of family, at least at birth, and for many people it is a bond that will follow them throughout life. For many people it is the most important bond of all. No one person can ever experience all that life has to offer. It is only through sharing experiences, feelings and insights that we can hope to grow beyond our own meager lifetime.

My life has been drenched by the constant stream of people that come in leave their thoughts and ideas then quickly leave. People have deposit their love and understanding and a touch of their wisdom in my bank of memories.

Of course I've had those who leave broken hearts and lay out the fragment of their shattered lives these people have given me insight and let me gaze upon the beauty and the ugly found in each day.

All of these people have tattooed their footsteps right on my heart. To these people I owe the many values and structure that made me what I am today. I'm proud to be me and I thank all the people that made this a possibility. You are my ticket to peace and security.

I'm not what you would call a religious man but I do believe there's a power much greater than mine. My God is a God who loves people from all walks of life. He loves his creations no matter what their religion or beliefs. We are special to him and he'll give us a helping hand and help us to understand. Yes... My God lives in my heart and my soul and he's always with me where ever I go. I don't belong to any religion, I believe in all of them as far as they go. If you have a faith that you believe in and you live up to the doctrine that faith gives to you, you can't help but find salvation. At least that's the way my God feels.

My God lives in a room built inside my heart so he's always with me whatever I do and where ever I go. When I do wrong he scolds me, corrects me and then he forgives me. Each day I speak to my God and ask him to guide me from harm's way. Since he knows what I'm thinking and sees all that I do there's never a need to pray. My God knows what I need and he guides me and directs me and keeps the devil away.

 I love My God so I let him know and I thank him several times each day. No! I'm not a religious man and I don't go to church. My God lives in my heart and when I found him that was the end of my search. I'm thankful that he still loves me in spite of my past and I know that he'll be with me as long as eternity lasts.

Everyday is the anniversary of my sobriety. I'm so glad and happy that My God found room in his busy life to give me this gift. I've found peace and serenity and the freedom to be me.........

Unconditional and Everlasting Love

I love you as you are, as you seek to find your own special way to relate to the world. I honor your choices to learn in the way that you feel is right for you.

I know it is important that you are the person you want to be, and not someone that I or others think you should be. I realize that I cannot know what is best for you, although perhaps sometimes I think I do. I have not been where you have been, viewing life from the angle you have. I do not know what you have chosen to learn, how you have chosen to learn it, with whom or in what time period. I have not walked through life looking through your eyes, so how can I know what you need?

I allow you to be in the world without a thought or word of judgment from me about the deeds you undertake. I see no error in the things you say and do. In this place where I am, I see that there are many ways to perceive and experience the different facets of our world. I allow, without reservation, the choices you make in each moment. I make no judgment of this, for if I would deny your right to your evolution, then I would deny that right for myself and others.

To those who would choose a way I cannot walk, while I may not add my power and my energy to this way, I will never deny you the gift of love that God has bestowed within me for all creation. As I love you, so I shall be loved. As I sow, so shall I reap?

I allow you the universal right of free will to walk your own path, creating steps or to sit awhile if that is what is right for you. I will make no judgment that these steps are large or small, nor light nor heavy, nor that they lead up or down, for this is just my viewpoint.

I may see you do nothing and judge it to be unworthy, and yet it may be that you bring great healing as you stand blessed by the light of God. I cannot always see the higher picture of divine order.

It is the inalienable right of all life to choose its own evolution so with great love I acknowledge your right to determine your future.

In humility, I bow to the realization that the way I see as best for me does not have to mean it is also right for you. I know that you are led as I am, following the inner excitement to know your own path.

I know that the many races, religions, customs, nationalities and beliefs within our world bring us great riches, and allow us the benefit and teachings of such diverseness. I know we each learn in our own unique way in order to bring that love and wisdom back to the Whole. I know that if there was only one way to do something, there would be only one person....

I will not only love you if you behave in a way I think you should or believe in those things I believe in. I understand you are truly my brother or sister, though you may have been born in a different place and believe in another God than I.
The love I feel is for all God's world. I know that every living thing is a part of God, and I feel a love deep within for every person, animal, tree and flower, every bird, river and ocean, and for all the creatures all over the world.

I live my life in loving service; being the best me I can, becoming wiser in the perfection of Divine Truth, becoming happier in the joy of living.

My brother Jimmy was a confirmed alcoholic and drug abuser and because I wouldn't allow him to bring drinks and drugs into my home I wrote him this letter.

Dear Jimmy, My love for you is unconditional as a blood brothers love should be. I've worried about you and prayed to my God asking him for an answer that would relieve all your miseries. I've meditated for hours upon hours trying to figure out a way to help put you back in command of your life. If there was any way possible I'd step into your ora and straighten out all your problems for you, both you and I know that's impossible even though my intentions are sincere. Even though I really want to help you I can't allow myself to be misguided by compassion and shield you from the reality of your brunt errors. To do this would cause devastating results subsidizing failure. Let's face it Jim you are my brother and I don't want to see you fail.

Even though I'd gladly change places with you it wouldn't work because in my new role I'd find success and in your new role you'd fail. It's the hard truth that I'm telling you and I hope it's not too late for you to listen to me.

Through all my meditation and prayer it's become plain to me, that if you're ever going to find happiness, peace and serenity it's all up to you. You have to take complete control of your life and be the master of your own destiny. My doing this for you would only eliminate all your incentive and go against human nature. To give you love in the form of protection and comfort just might be the wrong thing to do.

You've been stumbling, falling and out of control for a very long time and I know you've sought help from a good many sources. Nothing has worked because you've been looking in all the wrong places. Motivation classes, treatment centers and all kinds of therapy are not the answer for you. The answer is so simple and I know you'll baulk when I give it to you. But listen to me anyway Jim, I've been there and I know.

The first thing you're are going to have to do, and I know you'll strongly resist, is re-except the God that you know. Once this is done then you can again become the master in control of your life. It's almost impossible to do this without God on your side and very improbable.

Being the master means you except responsibility for all things that have happened to you. Regardless of what has happened in your life except the fact that it was you that made it possible. No matter what our stance is in life, we are there because we were or we were not in command. I love you Jimmy but my unconditional love isn't enough, I have to be strong enough and relentless enough to give you strong and true love.

With a little common sense and a whole lot of faith all things are possible. Somewhere in the Bible there's a scripture that reads; "Be not deceived, God shall not be mocked, for what so ever a man soweth, that he shall also reap.' And again it tutors, 'in the furnace of affliction I shall refine thee." There's your answer Jimmy, you're a person with much more than average intelligence so you know dam well that I'm right. Love, Cash

Jimmy never received this letter because he had already died of a cause related to substance abuse. His untimely death caused me to dedicate my life to helping others succeed where he had failed. Thus I finally realized that God had saved my life so that I could save others.

Learning how to truly love a person or a people requires that we abandon schemes, which shield loved ones and collective society from every bruise, bump, storm, or roadblock along the road of life. For complete love is not blind and not stupid. Complete love accepts people as they are and administers to their needs with wisdom; a wisdom which dictates that sometimes the most compassionate answer to a plea for help is a firm and unflinching NO.

When I confessed to you that I was a recovered alcoholic I said I wasn't going to tell my story. Well, that was then, this is now. I think we have worked hard enough to deserve a break and I really would like for you to read my life story. It may or may not have a therapeutic value. But it will give you a picture of where I'm coming from, where I've been; where I am now and where I am going. It is a short story and it won't take you very long to read. I have written it my way because that is the only way I know. I hope it gives you some insight and pleasure.

I wrote this story quite a few years ago.

It was my first attempt to write a short story and I made many errors.

My friends liked it just the way it was, so I left it be. 

Here is my stories debut, mistakes and all.

Lost and Found

 This is a story about a shattered life lost in the world of Who Cares. This is a true story; however, I have changed the names of some of the characters for reasons of anonymity. My name is Cash Neve and this is my story told in the best way that I know, my way. I was raised to have high morals and standards, and taught that a successful man always puts his family first and with good living everything else would fall into place. My greatest desire was to raise a family in a safe and financial free world. My intentions were good and so were my motives and this kept me steadfast and relentless. My whole life was built around my wife and children and the world I could provided for them. I wanted a life that was filled with love and embellished with serenity. My life was my family and I was the master of my domain. If this domain were to crumble then my life would cease to exist.

My domain (world) was a small ranch in southern Utah and in all appearances it was the ultimate answer to all of my dreams. Inside the borders of this ranch lay my whole reason for being, my life, my world, my domain. Well, you guessed it! It all came tumbling down. My wife ran off with another man, my children left me and consequently my life was shattered.

This story is not unique, it happens all the time. You probably know someone in your realm of acquaintances that it has happened to, if not exactly the same, similar.

However, the outcome of this is unique. I spent the next ten years of my life married to the bottle, as I was always successful at what I did; I became a very successful alcoholic. I went right from the top all the way to the bottom; as a matter of fact I ended up living in the streets, rolling other drunks for enough money to get that drink I always needed. I was unshaven, dirty and smelly, and as bum like as any successful drunk can be. When a person gets this low the most likely next step down is a horrible and painful death. The percentage of alcoholics that turn about and climb back up the latter from whom they descended is low to nil, but it can be done.

 

I don't know how else to put it, Believe it or not I was visited by an angel who gave me the courage to start all over again. During the years that I was raising my family, I had an uncommon sharing of ESP with my youngest daughter. I always knew when she was in need of any kind and by the same token, she had the same feelings. I was close to death when my daughters' inner sense told her that her daddy needed her, even though it had been years since she'd seen or heard from me. She didn't even know where I was, but she knew she had to find me. Which she did.

I was having a heart attack and was covered with urine and vomit, a very unpleasant sight, when my daughter found me. The doctors said I would have died if she hadn't found him when she did.

 

I'll never forget the look on my daughters face when she first walked into that room and looked at me lying there on the floor. I seen concern, shock, disbelief and displeasure painted on the face of the daughter I'd raised to love and respect me. That is when I decided that, no matter what it would take, I was going to cure myself of this disgusting affliction. This shocked me back into reality and I swore right there and then that no one would ever see me like that again.

........
This scene took place a decade ago and through tons of research and a deep-rooted determination, I was able to keep my commitment. Since that time, my recovery has been a marvelous work and wonder and I am gaining back my stature.

That's more or less the preface of my story.  Since this was my first attempt as a writer and most people liked the way I told the story, I haven't changed anything. This is the first copy and original version of Lost and Found.

As I continue with my story, I think I'll take you back to when I was courting my sweetheart (just for the heck of it will change her name to Lily Bell). Lily was a beautiful feisty and fun loving young lady with a child like charm that was fascinating. I was so taken by her beauty and charm that I fell deeply and hopelessly in love with her. I knew that I had found my mate and I also knew that no matter what it would take, that I would win her over and make her my partner for life.

Our courtship was like a fairy tale in a love story book. Two young people in bliss. The day finally came when I said, "Will you be mine," and the answer was yes. My greatest desire was to have a wife and a family and to make them a world of their own. I would make it the happiest, safest, securest, place on earth. I would fill it with all the beauty and serenity that there is in heaven. My goal was set and nothing on earth or in heaven could change its course.

I said to myself, "If it's to be it's up to me and that's the way it's going to be." And that became my Motto.

As you know, I was very much in love with my wife so I think I'll continue my story from the time Lily and I got married.

In the beginning I was working at one of the mines in Carbon County and Lily was working as a checker at her sister's grocery store. Our dream was to buy our own place where we could raise our family. I had a little bit saved but not enough, so lily and I pooled the biggest part of our income so that we could purchase our dream home someday. I made good money in the mines, so if we pinched and saved all that we could it wouldn't take us very long.

We were driven by desire so at first we did without luxuries of any kind. We lived in a tiny one-room apartment with a fold down from the wall bed. The first year all we did was make love, work, and save our money. Oh, for a part time job, I started my own painting company and since I cornered the market, it was doing quite well. When I say cornered the market, I was the only paint company in town.

With the extra income coming in and almost all of Lilies money we soon had the money for a down payment. We found the perfect place in a small town between Helper and Price. It was a beautiful little ranch with about 20 acres of land, an old but well built four bedroom home, a smaller house for help or whatever and a slightly run down barn. It was great and we both fell in love with it was just what we looking for. Now we could start working on a family.

Who am I kidding? It wasn't work, lily was the best lover in the world, and I was always ready whenever I got near her. She told me I was always horny and that I must be over sexed. She was right. There was nothing on earth more pleasurable then making love to my wife. Together we made the A Bomb seem insignificant.

 

We started making girls one right after another. I wanted a boy but I was never unhappy with my girls they were all so beautiful, they took after their mother. Surrounded by beauty; I was the luckiest guy in the world."

 

I'm going to take a break here and let my brother Clinton narrate, I need a third parties point of view.

 

........

My name is Clinton, I'm Cashes brother; I think I'll give Cash a break and take over for a while. At this point in the story of Cash Neve, nothing could be more rewarding then the way Cashes life was going. Everything appeared to be on an uphill trend, but then sometimes things aren't all what they appear to be and in this case, they sure weren't.

 

The owner and manager of the mine where Cash worked had known Lily and had, had a crush on Lily since high school. Since he was Cashes boss and was able to schedule Cashes time, he could fix it so that he would be able to pursue his infatuation with Lily. Since he came from a family of money and had always had everything that he wanted he wasn't about to give up on Lily. He wanted Lily but he didn't want the commitments that go along with a relationship. His desire and flame without having to pay the price.

 

He was very devious as well as elaborate in his planning and since he pretty much had control over Cashes time, he could keep him out of his way while he made his move on Lily.

Let's face reality; he had the money, the position and the opportunity to get what he wanted. That was his intention come hell or come high water.

You know, I think I better slow down a little bit or I'm going to lose you and I don't want that to happen. Since anonymity is our game then let's give Cashes boss a name. How about Rich Power, isn't that apropos?

So now we have another character in our story and character fits this man to a tee.

What I haven't told you is that when Cash met Lily, Rich was dating Lily. You might say that Cash took Lily away from the little rich boy. That's the way I see it.

 

Now we can continue! So, as you probably have already gathered Rich started monopolizing Lilies time and showered her with gifts and promises of grandeur. Of course, Cash was given lots of overtime and his day shift was changed to a graveyard shift so that he would never be an obstacle in the path of Rich Powers.

Lily was given the best of two worlds, Cashes love and devotion and the excitement that Riches money and power offered. Poor Lilies fate was already decided, and for that matter so was Cashes. Cash never suspected a thing, how could he, his little world would not let anything from the outside influence or deter his families love and security.

Whether it was Lilies guilt or lilies way, I won' say, but Lily showed more love and attention towards Cash and the children than ever before. I honestly feel that if Lily and Riches affair could have continued without discovery Cashes world would have never crumbled. Now we'll continue with Cash as the first person.

 

........

 

My job in the mines was treating me very well. In less than two years I made face boss which almost doubled my salary. As well as face boss, I was put in charge of air control, which gave me a lot of overtime, and on top of all this, my painting business was thriving. All this work took away from the time I would have liked to spent with my family but with the extra money I was making I could see an early retirement and this would give me the chance to be with them much more in the near future.

At this point in my life, everything was peaches and cream and my Lily was paying more and more attention to me, I often reminded myself how very fortunate I was to have such a wonderful wife. All my dreams and aspirations were at their peak and I was one happy fellow. I was proud of my wife and children and the life I had provided for them. Let me ask you, what more could anyone ask for?

 

As the years flew bye I watched my lovely little girls blossom into adulthood with all the virtues of angels. Hardly a day would go by that I wasn't bursting with pride because I was their daddy. I thank the Lord for being so blessed.

 

........

This is Clinton again, I hate to interrupt but this will only take a moment. Anyway, Cash has achieved much more than most people ever do and if this were the end of the story we could say, and they lived happily ever after. We know different.

Pardon the language, but to tell you the truth real life can be a real bitch at times. Don't say I told ya so, because I told you so and that's the way it is by golly. Clinton knows!

 

As we continue, you'll hear in Cashes own words how one day you have it and the next day its gone and what happens when you have no back up and loose all desire to go forward. When this happens, I call it the wish of death or the slow gin suicide. A turn to a source to ease the pain.

As we continue Cash paints a vivid picture of events that all most put him in hell.

 

........

 

At this point in my life, I was very happy and contented. Everything I ever dreamed of was becoming a reality. I wanted to spend more time with my family but to give them the life style that I wanted them to have took planning and I had to schedule every minute of my time.

 

To describe my day as normal would be really farfetched if there were such a thing as a norm. I get off work at seven in the morning go home, take a shower and have breakfast with my wife .I return to the mine at nine to check the airflow and inspect the face of the mine for gas. At noon I meet with my paint foreman and map out his day. I'm usually home by four to have dinner with my family and spend what is known as the family hour. I try to get to bed by six because I have to be back to work at eleven to start my graveyard shift. That's my normal routine. I'm off on the weekends to do maintenance on my property and whatever else needs to be done around my home. Sometimes I have to give myself an hour to meditate. Once in awhile I take the time to do something with my family in the way of entertainment and that's my week. Now let me ask you, does that meet your criteria of normal. I'm not complaining, I love what I do and I do what I love well but it does take a lot of valuable time away from being with the ones I care for.

 

Everybody in my little world knows my routine and knows where and when I'll be at any given time. It would take something very unusual to change my schedule. The unusual happened and it changed my life forever. I had just started my shift at the mine when there was an explosion at the face of the mine and almost immediately the mine filled with gas. Thank God, no one was hurt but the mine had to be closed because of the gas content. So, I returned home about two o'clock in the morning.

 

As I entered my house I noticed a truck parked in front of the house but didn't pay much attention to it, I should have. I didn't want to disturb Lily so I tiptoed into the bedroom and quietly started to remove my clothes when I heard what sounded like a man snoring. I turned on the light and much to my surprise and shock there was Rich, my boss, in bed with my wife.

 

I don't really recall all that happened after that. I know it took two policemen to pull me off him and had it not been for them I think I would have killed him. The police took me away for the safety of my wife, I don't think I would have harmed her but I was insanely mad and somewhat out of my mind. I wasn't locked up but I was held at the station until I somewhat regained my senses.

 

This was something that only happened in the movies or in books, it couldn't be happening to me, but it was. The liquor store was right across the street from the police station so before doing anything, I bought a half- gallon of booze and by the time I reached my home I was pretty drunk.

 

It was snowing like hell outside and the back of my pickup was half-full of snow but I didn't care I started throwing my clothes in the back of the truck. Lily was in tears and pleading for me to forgive her, she said she only loved me that I was her life and I couldn't leave her. Finally, I told her that she had made her own bed now she could sleep in it and staggered out the door.

 

It would be years before I'd see Lily again, my girls thought I had deserted their mother as well as them, so they wouldn't have anything to do with me. I've got to say Lily was one hell of a mother, I wouldn't do anything to degrade her in front of my little sweethearts so to this day they blame me and I'll never tell them the truth.

 

For the next ten years of my life I was married to Canadian Host and for that whole time I never drew a sober breath. When I left Lily I had almost a half million dollars in the bank, I split it with her and it only took me a little over a year to blow my share. I had a lucrative business that I destroyed in six months. I had several trucks, a nice boat, a house trailer, and some rental property, all of which I lost in less than a year.

 

In the later days of my drinking career I lied, cheated, stole, molested, committed adultery, and the list goes on and on.> I remember one winter night when I had the shakes real bad and I desperately needed a drink, a fellow drinking companion happened bye with a bottle of cheap wine, he wouldn't give me a drink so I took the bottle away from him, hit him over the head with It and left him bleeding on the side walk not knowing whether he was dead or alive, another time I broke a man's arm for the price of a bottle. As long as I was saturated with joy juice, I was capable of committing any kind of a crime. When Lily was my wife there wasn't anything I wouldn't do for her so now that I was married to the Host the same thing applied.

 

Before I lost my last car I held the record for drunken driving tickets (lost the car when I was arrested for DUI) I had a total of 14 in a two-month period. When I was ticketed they always let me go on my own recognizance and I would never go to court (primarily because I was always to drunk). It took the system several years before it caught up with me, when it did I spent the biggest part of a year in jail.

 

Oh, I have to tell you about my one and only friend and constant companion. Lady was my four-legged friend and she had been with me almost from the day I left Lily. Whether I was drunk or sober, Lady was with me all of the time. Her devotion for me never faltered. If she could tell her life story, it would truly amaze and shock you. Lady even went to jail with me on several occasions. However, it was no ordeal for her because all the jailers in Utah loved her and treated her like a queen. She was even made the mascot in some of the grey hotels that incarcerated me. I loved her dearly but put her through a life of Hell. She's gone now but she'll still always be with me in a large portion of my heart. She more than proved the truth of that old adage, "A dog is a man's best friend."

 

Well, I think that I've more then covered my down fall.  I've never been much of a believer, at least not until now. Something or some force had to have been watching over me. This power had to be so great that it could control the outcome of events; otherwise there was no possible way that I could have survived. Somebody up there has plans for me to accomplish something that I haven't yet accomplished, that's the only explanation that I can come up with. Anyway, let's get on with my story. 

 

 Before I go into the story about the where, why, and when, of my recovery I'd like to give you a few more of my experiences as a professional drunk. As I recall these crazy episodes that took place in my life, I look at them in wonder. I can't imagine how I survived and lived long enough to tell about it. I should have died from over dosing on alcohol or have been killed for the crazy things that I did.

 

Well into my drunken adventures, I found myself living in the streets and becoming street wise. To maintain, a street person has to rely on his ability to con and his willingness to do things illegal and immoral. This becomes a must in order to maintain your agony and misery because that's the life style you've chosen. One day I met a fellow named John R., Who happened to run an afterhour's nightclub underneath the Miles Hotel downtown Salt Lake City. At the time, I was sleeping under the dumpster in the alley behind the Miles. For some reason, John took a liken to me, got me cleaned up and gave me a job as a bouncer in his club. I bounced for him at night and tended bar during the day. In all appearances, this was a great job, and by the way, I hadn't had any kind of a job in years, a one of a kind job that allowed me to stay inebriated all the time, and my booze was free. Talk about falling into a bucket of shit! It turned out that John was head of the mafia in Salt Lake. Working for John is a whole other story, one which I may write someday. John got me a room in the Miles and set me up with a hooker who became my companion (along with Lady, of course.) I was the only guy in Salt Lake living in a suite with a big black Lab. and a high priced hooker. What a setup for a professional alcoholic. Oh, things were getting better and better. I didn't mention that when I met John, I was busy rolling a drunk, and he just stood by and watched me with a gleam in his eye. I guess he knew from the get go that I'd fit right into his plan. Well, my life changed but it sure as hell wasn't for the better. I worked for John for two years and the stories I could tell you would put your ears right down in your socks. I was always stewed to the gills, but nobody knew it because I was always drunk and that's the only way they'd ever seen me. Anyway, I'm going to leave this part of my story and save it for a hair raising tale some day in the future (When I learn how to write). There might even be a good movie in it. Eventually I moved out of the hotel and into a large three story house that was used as an art gallery. My Uncle William Parkinsen was a world renowned artist and I was his favorite nephew (he wasn't aware of the life I'd been living) hired me to remodel his studio and gallery. The first thing I did was turn a part of the third floor into my living quarters. Shortly after this Willy had a stroke and moved in with his daughter so I had access to the whole place. It took me a year and a half to refurbish the old place and even though I did most of the work in a drunken stupor it turned out to be a master piece. This was the only thing other than being an alcoholic that I did really well during this period of my life.

 

........

 

This is Clinton again, forgive me for interrupting but there just one thing I'd like you to know before Cash Continues. .This was a part of Cashes life that wasn't going to be revealed, but since he's gone and done it then I guess I better add my two cents. John R. was a lead figure in the mafia during the late seventies, through the eighties and well into the nineties. Hardly a day went by that you didn't see a notorious article about him in the national news. This is primarily the reason that I wasn't going to write about any of his involvement. He's dead now so I guess it doesn't matter. Cash is doing quite well in telling his story so I'm going to let him continue.

 

.......

 

I have given you a real condensed version of my life from the time I met Lily until the time I left Lily and fell into the hands of the devil. I've taken you from the time when my goals were clear and my morals and standards were high into the twilight existence of the grey world where there are no goals, standards or morals. You've seen me at my best and had a glimpse of my worst. Now I'm going to try to explain the events that turned my life back around and kindled the desire for me to make that trip back

 

Unless you can put yourself in my shoes and visualize my experiences I don't think it's possible to really feel the emotions I feel. To be excommunicated from the world that you loved and find yourself excepted in the world that you hate, is really humiliating, and will bring you right to your knees. I know of no other way to say it, and those were my inner most feelings on the day that I opened my eyes. My lust to change didn't come in a flash, it came in bits and pieces as I realized where I was, who I'd become, the horrific things I was doing, and the people I was associating with.

 

The climax came through an act of God. I tell people that I was visited by an angel but actually I was visited my daughter, who shocked me into reality. I won't go into the events that lead to her visit but I'll gladly tell you about the outcome. I am so proud that I fathered such a wonderful and beautiful child and that she was the final thrust that brought about my change. She was the one thing that was deposited in the bank of life that I couldn't give away or loose. That's why I refer to it as an act of God.

 

The climb out of the gutter was not as difficult as you might believe. With the desire to change and new goals and dreams as my primary tools I was off to a speedy start up the ladder of return. It has been well over ten years since I made the decision to change. I've come a long ways but I still have a long ways to go, however the dark clouds have lifted and I can clearly see the horizon.  

 

Conclusion

 

I'm a close friend of Cash we worked together in the Carbon County mines. After reading his story. I asked if he would mind if I added a comment to climax his story. He said,

"By all means my friend, go right ahead."

 

As a friend of Cash and his family let me point out a few things that might be of interest. You probably wonder what happened to Lily, well I'm glad to report that Lily survived and thrived. About a year after Cash left her, she married Rich, a few months later Rich was killed in a tragic automobile accident and subsequently left Lily quite Rich. She went from rags (Rich) to riches. After Riches death she became the manager of the country club in the town where she lived and is still there today. What happened to Cashes little sweethearts? Cash had good reason to be proud of them, they all became successful in their own rights and to this day they are living happy and financial free lives. Cash, well he is older and wiser now and still doing research on mind enhancement. He has helped many unfortunates to turn their lives around and find success and serenity. He plans to take some time to travel and see the beauty that gives tribute to his great country. In the interim, however, he's still helping people to realize their dreams and achieve their ambitions. Cash is once again a proud man and his good deeds out number his bad ones. He doesn't share his personal successes but in his heart he has found peace and contentment. Cash said in his story that somebody up there must have something left for him to accomplish. I think he has found out what that something is. Regards, Jim Baker

 

That's my story and I realize it is pretty revealing, however I wanted you to know the person who was writing this book. I've come a long way from the Gray World to the Real World. The percentage of alcoholics that make the trip back to an alcohol free and socially accepted life is so low that it embarrasses me to mention it. I'm so happy that I'm one of the lucky ones. However I have to admit, it wasn't luck that brought me back. It was the love of my Holy Creator. If God hadn't spoken to me through his Infinite Intelligence I wouldn't be here to reap the rewards of a bountiful life. It was God that gave me the courage and determination to find the solutions that set me free and changed my destiny. Today I can look in the mirror and like that old face looking back at me. I can honestly say I'm proud of the man I've become.

Now let's make another stop on the Minds Highway and learn what we can that will insure your success.

Withdrawal from any substance such as alcohol, medications and mind altering drugs, often triggers a deep and traumatic depression. If you have had deep depression or have been close to someone who has, you know that it cannot be lifted at will or wished away. It has to be dealt with by eliminating the cause. Taking this step can make all the difference and I'm here to help show you the way. God has given me the tools, now I'm giving them to you so let's use them.

We Know that snapping out of a deep depression isn't easy...However with the proper tools to change your way of thinking you can help the sufferer, whether it be you or somebody else. Here's where learning comes into practice. You must have the proper knowledge to apply the solution. Let's take a look at what triggers depression. First the unconscious mind will bring to the surface many of the stressful events that are experienced by the sufferer. There seems to be a direct relationship among stressful situations and our mind and body's reaction to stress, and the onset of depression. It is more than likely that either positive or negative events become a crisis that precedes depression. There's a theory that surmises an initial depressive episode can spark changes in the brain's chemistry that make it more prone to developing future episodes of depression. This may be compared to using kindling wood to spark the flames of a campfire. Since early episodes of depression make a person more sensitive to developing depression, even minute stress situations can lead to later depressive episodes. Withdrawal from the substance used in an abusive way can be the factor likely to induce a depressive episode.

Now that we know what causes stress. What can we do about it? One of the most effective methods that I use is a pen and paper or the keyboard on my computer. Writing a story or even a letter to a make believe person, can relieve ongoing sources of stress.

I have outlined an exercise that works for me and will work for you or anyone else if use conscientiously for 15 minutes at a setting over the course of several days. We are going to use subliminal messages in the written form for this depression exercise. Before I give you the exercise I want to introduce you to subliminal messages.

Subliminal Messages

I have used subliminal messages throughout my entire text. If you don't know what a subliminal message is. Let me explain; self hypnosis, auto-suggestion, meditation and reminiscing are steps that I use to help you feed positive messages into your subconscious mind, messages that can later be fed to your conscious mind. However subliminal messages fed into your subconscious mind bypassing your conscious mind give me a certain amount of control. It is my educated opinion that by capturing your attention with an interesting article, phrase or word I can make your mind susceptible to embedded messages. By reading my book you are unconsciously opening your mind to suggestion. All I have to do is capture that moment and feed positive thoughts into your mind. I've spent countless hours perfecting this method and I know that by putting the right power words and phrases in the right places I can transmit my thought to your thought. Since the object of my intention is to change your negative thoughts into positive thoughts I've hidden subliminal message all through my text.

Perception of subliminal messages is a type of subconscious cognition. Unlike unconscious tasks such as listening to one voice out of many in a crowded room or keeping track of a certain sound in a noisy environment, subliminal message cognition cannot be done consciously. A simple example would be breathing It isn't necessary to be aware of one's breathing, it is a normal reaction. Proponents of the power of subliminal messages claim they gain influence or power from the fact that they can avoid the critical functions of the conscious mind, and therefore subliminal suggestions are potentially more powerful than ordinary suggestions. Of course all of this is my conjecture but if it works (and it does) don't knock it. I honestly feel that if you were to read my book over and over many times that you would find the success you are seeking.

"The Ambiguity Principle maintains that ambiguities constructed carefully can be tools of subliminal persuasion. Therefore when a stimulus has two meanings, and one resonates with a repressed emotion, the negative meaning is repressed the same way that the emotion is repressed. The repressed meaning will influences the subject on a subliminal or unconscious level. It is my presumption that the Ambiguity Principle and subliminal messages work hand in hand.

Here is how it works, subliminal messages give positive affirmations and send them directly to the subconscious mind, bypassing the more critical conscious mind. The subconscious then follows these commands to produce powerful and exciting changes in the way that you think, quicker than anything you can imagine

Subliminal power works by inserting positive thoughts in hidden power words while you are reading my text. My messages are completely unobtrusive; in fact, you probably won't even notice most of them even though I've made you aware. It's as though your core being and thought processes have been transformed - and you're beginning to feel more freedom and comfort with each reading.

Your subconscious will take my powerful suggestions and begin to make lasting changes in your life. You'll become more contented and less vulnerable.

In theory one can influence behavior by secretly appealing to the subconscious mind with words and images. There is a popular belief that subliminal messages are a bunch of nonsense and there's no empirical support for their usefulness Advertisers have tried to manipulate consumer behavior by hiding subliminal messages in their ads. There have been claims that they work but no evidence to substantiate theses claims. There is still a great amount of research to be done in this area but let me assure you subliminal messages do work. I use them all the time in my book and in my exercises.

Be successful and use positive affirmations and positive visualizations to send subliminal messages to your subconscious mind. I've given you several simple but powerful exercises that work. However, there are many factors which affect the effectiveness of subliminal messages. Always refer to yourself as the first person using the pronouns I or me. Your message should always be in the present tense and you should always be positive never be negative, Prompt your mind about the things you do want take care not to remind it of the things you do not want. For example when making a recording for self suggestion never say, "I do not want or I am not" this will leave a negative and unproductive image in the mind. Of course this would apply to written messages as well as recorded messages. You should experiment for yourself and it is best to personalize the messages to yourself and your own situation. Your subconscious mind works in the present only so the messages should be in the present tense.

Here's what a good and a bad example is when using your own subliminal messages:

Good: You should use the first person (I am successful and happy), current tense (I am successful and happy), positive affirmations (I am successful and happy).
(This positive affirmation would have a direct impact on the image which your mind will conjure up when you read the message).

Bad: You should be careful not to use negative affirmations (I am not unhappy) because these remind you of negative thoughts.
(This negative affirmation would leave an unhelpful image in your subconscious mind.)

Let's do the simple writing exercise using positive subliminal messages. Write for 15 minutes and repeat the exercise everyday for the next 5 days. When writing about an affirmation use this example; "I am happy and I feel wonderful and stress free." I like to do a simple visualization exercise before starting the writing exercise it relaxes my mind and gives me responsive feelings.

Use this simple exercise to relieve or get rid of depression. Start by sitting comfortably in front of your keyboard or at the desk where you are writing. Make sure the room is quiet. Breathe deeply for a few minutes. Now picture yourself in a place that conjures up good memories. Smell the heavy scent of roses on a hot summer day, the crisp fall air and the wholesome smell of baking bread. Hear the sounds of the birds singing and the gentle breezes blowing through the leaves on the trees. Drink in the colors and shapes that surround you. Focus on sensory pleasures: the whisper of a gentle wind; the cool grass tickling your feet and the salty smell and rhythmic beat of the ocean. Passively observe intrusive thoughts, and then gently disengage from them to return to the world you've created. Now start writing.

 

(1) Choose the most stressful event or problem you currently face. It's usually one that you frequently dwell upon.

(2) If your current problems stem from past circumstance, write about traumatic events

(3) Don't hold anything back, let it all out. Write down everything you feel and why you feel the way you do.

(4) Write for you not to please others.

(5) Don't worry about proper English, grammar or sentence structure.

(6) Keep writing until your allotted time is used up.

When you first sit down to write about a problem, you may have an anxious feeling about your problem so your first attempt may not work. Once the wound is exposed, it may initially hurt more than it did when it was hidden. But continuing to write about the same problem over the course of several days will enable you to work through your difficult emotions and resolve or find a solution.

Writing about emotional issues can make a difference in your physical condition as well as your emotional condition. Releasing bottled-up feelings can relieve the stress that raises blood pressure, heart rate, and muscle tension.

If you feel helpless and believe that most things are beyond your control this exercise will work wonders.

There is no need for you to spend the rest of your life in the Gray World. My intentions to help you move to the Real World are deeply Imbedded and Sincere. If someone had just come to me and said they were a victim stress or depression, I would really want them to know that there is a way out and that they could be helped, that they would get better, that they should avail themselves with an open mind to all of the options, get plenty of exercise, eat well, surround themselves by supportive people and keep on keeping on.

I love to write and I read a lot and it's through books and written material that I find the secrets to success. You may scoff when I suggest Napoleon Hills "Think and Grow Rich" as a bible that will definitely aid in the complete success of your dreams and ambitions, but let me assure you it works and so does "The Power of Positive Thinking" by Norman Vincent Peale.

By understanding and applying the thirteen simple steps that constitute Hill's formula, you can: achieve your goals, change your life, and join the ranks of rich and famous. Napoleon Hill uncovers the secret to great wealth based on the notion that if you can learn to think like the rich, you can start to behave like them.

Here is a list of a few of things that we covered while traveling along the Highway of the Mind. 

(1) Do a complete overhaul of your mind and change your way of thinking. With me as a passenger and you as the driver you definitely will find the answers and solutions you seek. Open your mind, get a clear picture of your problem, find the solution, and stick to your guns. You now have the keys that will start the vehicle that will drive you to the cure. Remember I've been there, suffered the same that you've suffered, felt the same pain, and I can help. Don't hesitate to ask!

(2) Set your goals and make a definite plan to achieve them. Write them down and post them where you can review them daily. Again, take positive action; don't let anything or anyone change your direction.

(3) Schedule a time to use auto and self suggestion, everyday. Don't put off what you can do today. Make new habits and don't procrastinate.

(4) You can become the Master of Your Destiny if you use honesty and integrity as a guide line. Don't blame others for your weaknesses and failures. Everything that has happened to you has happened at your own accord. It was your decision to become what you have become no one else's. It's time to stand on your own two feet and take full responsibility for your actions.

(5) Use the relaxation steps I outlined for you to put yourself in a hypnotic state to use auto and self suggestion. Make sure you are completely relaxed before you start feeding your mind. It may take several times before it becomes effective but don't give up it really works.

(6) Use repetition and retention to amplify your senses. Learn to meditate at least once a week, more if so desired. Meditation will renew old goals and aspirations; it will also recapture old strengths and moral beliefs.

(7) Keep yourself physically fit by taking long walks, working in your yard, participating in a sport, working out in a gym and anything that keeps you moving. Keep yourself nutritionally fit by eating the right foods, taking vitamins, drinking several glasses of water or juice and eat small amounts several times daily. Keep everything in moderation.


(8) Practice unconditional love. Join in community events. Schedule everything we've covered and keep it up on a daily basis. Constantly work on changing your way of thinking. Remember there's no such thing as impossible, everything is possible.

(9) Review, review, and keep reviewing.

(10)  I've covered all the important issues and if you follow my outline you will enjoy the freedom to be whatever you want to be..

We live daily in the midst of all manner of thoughts and ideas, impulses that are reaching our subconscious mind. Some of these impulses are positive, some are negative, and if we don't feed our mind daily with positive thoughts then negative thoughts will reach our subconscious mind without our knowledge. All this time, (with written word) without your knowledge, I presume, I have been feeding your mind with positive thoughts and ideas. I know I have you reading my material, but until you have accepted my methods and actually put them to practice; I want to eliminate as many negative impulses as possible. I have several hidden messages throughout my written word which are primarily meant to reach your subconscious mind.

TODAY I SMILED

Today I smiled, and all at once
Things didn't look so bad.
Today I shared with someone else,
A bit of hope I had.

Today I sang a little song,
And felt my heart grow light,
And walked a happy little mile,
With not a cloud in sight.

Today I worked with what I had
And longed for nothing more,
And what had seemed like only weeds,
Were flowers at my door.

Today I loved a little more
And complained a little less,
And in the giving of myself,
I forgot my weariness.

You can return to where you were in the real world if that's at all possible. Or you can start with a clean sheet and put a new career with an attentive solution to a new and exciting lifestyle into your life. If you want to wake up and appreciate each moment for what it is, then I suggest we start with a clean sheet. I found out late in life that if you want to be truly successful at what you do for a living it's much better if you are in business for yourself.

When I recovered from alcoholism I went to work for a large corporation as an engineer. I worked for them for over 10 years then was forced to retire because my health wasn't quite up to par. They laid me off without any benefits and it didn't take long to go through my life savings. Prior to my drinking career I had my own business and I made enough money to raise my family with all the comforts life has to offer. I'm relaying this information to you because I don't want what happened to me to happen to you. I constantly hear that money isn't everything, but let me be blunt, money buys everything but love. And do you want to know something, even love is lost if it isn't fed and nourished, housed and sheltered. Like I said I found out late in life but it's never too late.

If you have a profession, and you love your profession then let us makes you the best at whatever you do. If your chosen occupation is beneath your abilities then let's find you a position that meets and requires your talents. If you're the kind of individual that doesn't like the responsibility of running a business and would rather work for somebody else then let's find you a company that pays a decent salary and gives you a good monetary retirement. With the knowledge that you have received from my book, and just a little bit of my help, you can do anything you set your mind to and be anything that you want to be.

I know that to be a fact because I've done it. I'm 72 years old, I started my own businesses two years ago and now I'm happy, successful and financially free. Here, in the second part of my book I offer you the same opportunity. It's a chance to have all things you deserve and all the best things in life. It's your chance to be in the best business on earth. This is not conjecture, it is a fact!

 

PART TWO

 

Real Tex/VestorOne

 

Cashes Secrets to Success

Seasoned RE Investor. by Big Daddy Cash

 

Cashes Secrets to Success

     

         RE Investor 

Introduction

As I explained in my first book, "Lost and Found", I'm not a scholar nor am I an author so judge me on the content not the grammar. So with no further adieu here it is; REAL TEX/VESTOR ONE ,Cashes Secrets to Success, the seasoned RE investor.

The reward is yours but first you must labor, plant your thoughts and ideas, harvest them and watch them grow; remember you will sow in tears before you reap with joy. You can put your thoughts and ideas down in black and white or whatever color you prefer. You'll find it fun and challenging and best of all easy. If you are like most the people I know you learn best by having someone show you the way. I won't tell you what to do, I'll show you how to do it and then it's up to you.

One of my favorite sayings is..."If it's to be, it's up to me." When you've decided what you want whether it be wealth, independence or fame, you've made the first and most important step on your journey to success.

What I want to do for you, and I will, if you let me, is stimulate your thought process and motivate your desires. Together will find the tools along the way. Getting started is the hardest part of any job. If you have the courage to start then with the proper motivation you will have the courage to finish.

Keep away from the people who want to belittle your ambitions, small people do that, but the really great make you feel like you too can be really great.

Most people spend their whole life trading hours for dollars and end up with nothing. Don't end up in the poor house relying on someone else to provide for you. Be the master of your destiny and make a roadmap that will take you all the way. You may have to detour around some rugged roads ahead but be straight and true and you'll find the way to your independence day.

I can read your mind! Right now you're are thinking; "This is all well and good, but where is it taking me?"

Have patience my friend, I'm pouring a solid foundation for the home of your future.

 I don't expect anything from you that I'm not willing to give of myself. A good thing to remember is that friends make all your achievements and successes worthwhile. I want to be your friend and when you succeed I want you to remember where the encouragement and motivation came from.

My reward for teaching this material will be your success and your success is one of my goals..

Each day a new door opens to all kinds of experiences and challenges. Meet the day with a smile and say to yourself that nothing no matter how big or how small will pass your attention. Meet all the challenges it brings head on and quench your thirst with its knowledge. Remind yourself that today will be a glorious day.

Frame of mind is a powerful tool and when used with optimism it can make your trip to success so much easier. In my mind there's a picture of the pessimist who sees the difficulty in every opportunity as opposed to the optimist who sees the opportunity in every difficulty. Another good thing to keep in mind is...All things turn out best for the people who make the best out of the way things turn out.

Having wealth and fame is a wonderful achievement, but let me remind you that monetary gain is not always the answer for being a success. Happiness, serenity, and integrity, are just a few of the measurements to success. The ideal solution is to find success in all things.

My one claim to fame is my peace of mind. I've lived a long life and made tons of mistakes. I've tried to make amends for all the harm that I've done but in some cases that's not possible. So instead of making amends I now make repairs. I try to fix the problems of others and that's where I've found my biggest successes.

To help someone who has had their dreams shattered and their lives disrupted is the most rewarding thing in the world. To help someone to find an answer to their dreams and reach their ultimate goals and desires is equally rewarding. I can honestly say that helping others has been my greatest achievement and everything else in life is a bonus.

I've had more than my share of bonuses.

This material is aimed at helping you find financial success but I'm greedy and I want you to have it all. As I've explained money and fame is the wrong kind of game if it doesn't include happiness and peace of mind.

If you are ready to find financial security and you want to do it Cashes way. Which I do believe is the easiest way.

Another one of my favorite sayings..."Beginning is Winning." Don't be afraid of making mistakes, the biggest mistake a man can make is to be afraid of making one. I see mistakes as stepping stones to success

Property values have been on a steady climb almost everywhere in the world. They keep rising whether the economy is good or bad. As an investor you'll soon find out just how profitable real estate can be and that it takes little or none of your own money to make money. It's like making money out of thin air.

With Cashes Secrets to Success I intend to teach you the methods that will get you started investing in real estate even if you have no money and no credit. You'll learn how to buy property with no money down... How to select flexible sellers and the right properties... How to qualify the seller and make an offer that is satisfactory for both you and the seller.... I'll show you where to go to find the most accurate and fair market values.... You'll learn how to get money back at closing and much, much more. This course is only the beginning, a self disciplined way to succeed and the tools to get you started all I ask from you is a commitment to study the material that I give you and continually seek education, I also expect you to set aside a few hours each week to use what you have learned.

The only thing that this course lacks is the regiment of a preset schedule; a predetermined schedule makes up for a lack of self-discipline. That is why I stress the importance of making a definite commitment to set aside a time each day to study, absorb, and use what I am willing to give you as a gift from my heart.

This home study course will change your life and give you the opportunity to achieve your goals and reach your ultimate dreams. Knowledge is the only true way to success, if you give an illiterate man a million dollars he'll be broke in no time at all but on the other hand if you take a million dollars away from a knowledgeable man he'll have it all back in a very short time.

I am assuming that this endeavor will take approximately 6 months. It is my intention to relearn, refresh, and add to my knowledge so that I can not only watch you succeed but enjoy my success too.

First I want you to start by asking yourself these three questions. (1) What is my objective? (2) Is this my primary goal? (3) What am I willing to do to achieve success? When you've made a plan, take command. Remember! To make a dream a reality you have to set goals, both short term and long. To reach your goals you need a plan. Seek and you will find the way. Throughout this book I intend to help you develop that plan. A plan based on your financial situation and your unique talents and skills.  Everything is possible but it's all up to you.

REMEMBER THIS; "Most failures occur as a result of bad planning or no plan at all"

YOU HAVE TO INVEST whatever it takes for the highest possible return. Whether you have 5 hours or 40 hours to spend each week you have to organize your time so that you spend it thoughtfully, creatively, and collectively. Make each and every minute that you invest in your future count. 

Success is not reserved for just the rich and famous. Anyone can find success with the right motivation. There are certain conditions that can explain the differences between those who find success and those who fail. You must have the right desire and determination to succeed, without it you'll fail. Knowledge and experience also make a difference. Then there's having the courage to try. I can list many more traits that make the difference between success and failure such as determination, discipline, commitment, drive, dedication, perseverance, organization and I'm sure there's many more.

 Did you ever wonder why most people never achieve their dreams and reach their ultimate goals? Some fear success and others have no self esteem. Then, in my educated opinion are the worst, the procrastinators and the completely hopeless.

As strange as it may seem we are all equal when it comes to the time we have available to us. We have 24 hours a day, whether we use it productively or waste it that's entirely up to us. I frequently hear the complaint."I just don't have enough time." This is a cop out the truth is they don't know how to manage their time.

 How well do you organize your time? I want you to make a list of how you spend your time in a 24 hour period.  Start with how many hours you spent sleeping, the  time  you spend preparing meals and eating your meals, the time you spend getting ready for work, the amount of time you spend going and coming from  work, and the hours you spend working,  the time you spend watching TV and playing vidio games, the amount of time you spend on your computer, the time you spend for RR, and finally the time you spend doing any other things that you  do. Your total, more then likely, is much more then 24 hours . Your days are busy but are they organized or productive.  Determine where you can cut back or even eliminate some of these things. If you reduce the amount of time you watch TV and cut back on your sleeping time you'll have more then enough time to become a successful real estate investor.

What I'm teaching you I learned from the greatest entrepreneurs in the business. Gurus like Carleton Sheets, "How to Buy Real Estate With No Money Down"...   Robert Allen, "Multiple Streams of Income"...    Jim Edwards, "7 Day E-Book...   "Shawn Casey, "Mining for Gold" and many more..... Of course you can add "Cashes Secrets to Success" by yours truly. How can you fail with this kind of power in your realm of knowledge?

 

 

Setting Goals

And

Planning

 

There is one critical ingredient needed to make your dreams a reality, first you must set goals and to make them work you have to develop a plan.

Goal setting is of vital importance for your success. You could say that goals are the keys that will open the doors to your dreams. Actually goals are nothing more than realistic dreams put into words and the plan is putting those words into action. Put your dreams in writing and then develop a time frame in which to accomplish them. Most people spend more time dreaming of success then they do planning for success.

Because I consider setting goals of primary importance I'm devoting this entire section on making goals and developing a plan. I want you to spend a great amount of time and effort establishing your goals. I'm sure that you will find as I have found that all of the rich and famous and those truly successful have set goals to get them where they are today. Setting goals is first and utmost the most important part of your journey to success and financial freedom.

There are two kinds of goals that I want you to work on. First short term goals ( goals that you want to reach in a year) and second long term goals (goals that are extended five years or more).

Make a list of all the things that you want to achieve at the end of one year. Make it flexible and as realistic as possible. Don't waste your time planning for something that is out of reach or impossible.

This is an example of how I would put a short term goal in writing..........

MY GOALS FOR THE NEXT SIX MONTHS

Goal #1. In three months I want to firmly establish myself as a seasoned real estate investor.

Plan  #1. (A) Have  business cards printed stating that I am an investor and I buy and sell homes. I also have several properties that I rent. (Design your cards simple and direct. Make sure your name and phone number is in bold letters centered on the card.)

Distribute the cards to all my friends and acquaintances and everyone that I meet.

(B) Have flyers printed up with a catching design and basically the same information as my business card.

Distribute to the markets and retail stores where I shop, at the homes in the neighborhoods I farm, at gas stations and cafes. (Display them on the bulletin boards where I can.) 

(C)  Run ads in the local papers letting know who I am and what I do.

(D) Use the classified ads to find flexible sellers. Phone them and let them know what I do.

(E) Always dress, act and perform in a professional and seasoned manner.

Goal #2. Buy my first property in 6 months or less.

Plan #2  (A). Visit the County Courthouse and banks and look for foreclosures.

(B) Farm the neighborhoods of my choice and make lots of offers.

(C) Go through the classified section of the newspaper every day and make lots of phone calls.

This is just a sample but, as you can see, I've made a plan to accomplish each goal.

Setting long term goals are done in the same manner. Each goal must have a definite plan.

By writing your goals down and displaying them in plain view where you can read them several times each day your sub conscious mind will absorb them and consequently you'll become more accountable for them. Sharing you goals with another person can also increase your commitment.

The winners are people who experience success by doing a lot of goal setting. They use setting goals to learn new skills and gain experience. Once they've achieved a goal, they pick another.  For the successful people, goal setting never stops. Goal setting is like buying real estate, after you reach the first horizon all other horizons come easier. Did you ever wonder why the rich keep getting richer and more powerful? It's because they set goals and make the right plans to achieve those goals.

It's important for you to explore and plan for what you want.  The goals and dreams that you set keep the human spirit alive and hopeful.  Goal setting should involve all areas of your life, including health and well being, home, leisure activities, hobbies, relationships, family, and spirituality to name a few. Manageable and realistic career and personal goals help you head in the right direction. Believe me when I say that success comes to those who keep reaching for the brass ring.

Again I can't stress enough how vitally important this session on goals is. It's short and sweet and to the point and believe it or not it will help you tremendously.

You're starting out on a brand new adventure (Real Estate Investment) so let's get you started on the right foot.  Let's do some serious soul searching to figure out what it is you're willing to do to succeed. What direction are you heading in right now? Are you where you want to be in life?   It's time for you to stop procrastinating and get working. Make your goals, set your plans and let's get started in the right direction.

Get a diary or a Franklin Covey planner and track your achievements as well as your appointments. If you don't know the direction you're heading in, then how do you  expect to get there?

You've got to implement your plan if you want to get exactly what you want. It's time to get your rear end headed in the right direction. Don't talk the talk, get yourself motivated and walk the walk.

Don't be afraid of failing the fear of failure holds most people back. I look at failure as part of the learning process. If you fail at first pick yourself up and start all over. If you don't hold back and you put your plans into action you're going to find success.

Keep yourself focused and don't get caught up in everything going on around you. Keep your sights set clearly on your goals. Remind yourself and apply yourself to utilize the most productive and profitable use of your time, after all time is precious; it's the only thing that keeps passing us by.

The Seasoned Investor

Abraham Lincoln said; "I will prepare and someday I'll Be ready."

I want you to prepare so that when you step into the market place you'll be ready. It's important that you fill the shoes of the successful and well seasoned investor. So let's begin by talking the talk and walking the walk. Make this one of your short term goals.

Short Term Goal: Let the eye of the beholder see me as a professional and seasoned investor. The target for this goal is one month.

Setting The Plan: (1) Get my own business cards and have flyers printed. Pass them out everywhere and to everyone. (2) Run an ad in the local newspaper. (3) Introduce myself as an investor and let it be known that I buy, sell, lease and rent properties. (3) Farm neighborhoods and phone the classified ads. (4) Use the tools at my command until I learn and acquire all the tools of the trade. (5) Post this goal and the plan so that I can review it several times a day and therefore consequently take action.

Now that you have a goal and a definite plan lets discuss the addition tools essential and at the command of the seasoned investor. First you need a work place that you can call your office, preferably an extra room in your home. Furnish your office with a desk and a file cabinet, Make room on your desk for your computer, a phone with an answering machine or service ( if possible a separate line from your home phone) and a fax machine. Most all of these items can be bought quite reasonably at a church store or a discount center. Get yourself a daily planner so that you can list the important things that have to be done each day. It would also be convenient if you had a Rolex for all the phone numbers you'll need at your finger tips.

The only thing that stands between a man and what he wants from life is often merely the will to try it and the faith to believe it's possible.

As a beginner and novice you can make yourself appear as a seasoned investor in a month or less. Really to become one takes many years of training and gaining knowledge. Multiple assets are involved. The following is a list of the attributes that make the ideal seasoned real estate investor. Few ever meet this criterion.

(1) Recognizes responsibility to his or hers family, friends and community.

(2) Doesn't sacrifice his or hers spiritual life for riches and fame.

(3) Is real educated with vast knowledge about real estate.

(4) Continues learning from all sources available.

(5) Knows and uses the real estate vocabulary.

(6) Is completely aware of what's going on in the local market place.

(7) Is  good at making decisions

(8) Constantly sets goals and commits them to memory.  

(9)  Has high moral standards and keeps involved in there issues.

(10) Is more than fair with clients and uses the win /win philosophy.

(11) Is self confident and knows how to apply his or her knowledge.

(12) Finds satisfaction in showing others the way.  

Wealth Out of Thin Air

To achieve success in anything you need to start with a dream. Know your dream. Know why you are doing what you are doing. Create the fire that's needed to connect you with your dream. Create the passion you need in your pursuit of success. Create a desire to reach your achievements. Success can be yours if you have the courage to try..May your wishes all come true and they can it's all up to you.

I'm glad you decided to broaden your knowledge and let me show you the way to a rewarding and highly profitable experience. In this section you will learn how to create wealth out of thin air. Real estate can give you a current cash income, income tax benefits, a steady growth of your assets, leverage and instant equity.

When you have successfully completed this course you'll possess the knowledge and skills that will enable you to build substantial wealth through real estate ownership using little or none of your own money.

Because real estate is absolutely unique as an investment in providing a wide variety of wealth building benefits, it is literally possible to "Create wealth out of thin air."

If you follow 100 people from the day they start working until the day they retire, this is what you'll find: One will become a millionaire...four will become financially secure...five will still be working just to survive...thirty-six will be dead....and fifty-four will be dead broke... These are facts found in Gov. Statistics. It all boils down to this. Five % will prosper and ninety-five % will not. Where do you fit in?

Most people are consciously aware that at some point in time they are not going to be able to physically continue to work.. To maintain their present life style after retirement they have to prepare for it. Unfortunately not many of the preparations that people try to make for retirement work. Many are doomed from the start..Saving your way to prosperity doesn't always work. Inflation and depressions bare there effect. Most investments are risky and can wipe you out in no time at all.

Frequently, indecision about what type of investment to make has caused people to try and save money in their own way. (A percentage of each pay check is a good example.) Savings accounts, common stocks, credit unions and many other methods of putting away for retirement are tried. Not many things work but real estate investment done with the proper knowledge is by far the best wealth builder for the future.

Here are just a few of the fundamental benefits you'll get from real estate investment.

INCOME

Many investments will produce income; a spendable or positive cash flow. For instance money that comes to the investor on a weekly, monthly or annual basis. This money can be reinvested or used to improve living standards. Money from rental income that exceeds expenses is referred to as a positive cash flow.

My last purchase of real estate was a Sandy home with a market value of $119.000. I bought this home with no money down using one of the techniques that you will learn later as we continue. Having no money down doesn't mean that the seller does not get cash. It just means that the cash doesn't have to come out of your pocket. In actuality the seller received over $10,000 at the time of closing. The property had a positive cash flow (rental income minus expenses) of $254 per month. This amounted to $3048 per year. Because the property was purchased with no money down this represents a return of infinity on my investment. Even if I had come up with the $10,000 down out of my own pocket we're looking at a return on my investment of well over 25%. Many properties will generate two, three, four and even more then this amount. Real estate offers a better potential for large cash flows than any other investment.

GROWTH

In real estate growth in value is known as appreciation. Real estate has gone up in value consistently over the years, as a matter of fact, there has seldom been a year when it has not gone up. This constant appreciation has created fortunes for many investors.

TAX BENEFITS

The tax benefits on real estate come about as a result of depreciation or cost recovery. Depreciation doesn't cost the investor one cent yet it can provide an actual tax loss to offset other income. For example if you are able to save $1200 dollars in income taxes as a result of your investing that's $100 a month income that you can use however you wish.. That's $100 in addition to the cash flow that you already receive on your property.

LEVERAGE

Leverage more than any other investment benefit is responsible for creating the greatest amount of wealth for the real estate investor. Leverage is nothing more than using other people's money to accomplish your own objectives. Therefore you can well say that leverage is the heart and soul of the course that I am teaching you.

Before we go any further I want you to write this saying down in large easy to read letters and post it where you can see it several times each day. "Within me, I have the power to achieve my greatest desires; all I have to do is unleash it. I can do whatever I tell my mind to do. I can be whatever I want to be."

PERSONAL BENEFITS

As I've already stated, real estate offers not only better benefits than any other investment but also more of them. Not all of them are obvious to the average person. For example, there are additional income advantages that come from commissions and fees, Instant equity, and mortgage amortization. Personal satisfaction can be found in the traditional programs offered along with the pride of ownership and the control you gain all contribute to your personal fulfillment

CONTROL

In real estate you control your investment. In the stock market and most other investments you don't. The success of your real estate investments rest on the decisions that you make or fail to make
If you are a stock holder in a corporation you have no part in the decision regarding a product or the pricing of that product As the owner of an apartment building or rental home you may decide to improve the property, rent your apartments on a weekly or biweekly basis rather the monthly and you can even furnish your apartments to get added income.

PRIDE

When someone purchases a new car he or she takes great pride in the ownership of the shiny new vehicle. Gradually the pride diminishes as the car ages and becomes a part of routine. However that's not true with real estate. Most investors have the same pride of ownership on the day they sell it as they do on the day it was purchased.

COMMISSIONS AND FEES

If you invest in real estate with partners there is a opportunity to earn commissions or fees. For example if you bring together three partners to invest in real estate you may take an acquisition at the time you buy the property, a management fee for managing the property, and a selling fee at the time the property is sold. (Some state laws do not allow this unless you are a licensed broker.) However if you are one of the owners and the other owners agree it's legal to charge a management fee. I'll give you more info on this when we study partnerships.

INSTANT EQUITY

During the process of this course I intend to teach you how to buy property below fair market value. The result will be instant equity which will enhance and increase your net worth. More on this as we continue..

AMORTIZATION

If you buy property using leverage (other people's money) you create a debt that is paid off by the income of the property. The payments are usually made monthly reducing the amount borrowed each month. Over a period of time more of the payment goes towards reducing (AMORTIZING) the loan with less going towards the interest and more towards the principal. This will increase your equity in the property. When you take over an older mortgage the larger portion of your payment goes towards the principal giving you a larger return from your property.

PROFITS FROM SELLING RIGHTS

Money is made in real estate when you acquire it not when you sell it. However there are things that can be done to increase the value of the property at the time of sale. One way of course is learning how to negotiate a purchase price that will safely maximize your profits.
Negotiating profits by taking property as collateral over a period of years is safe and a very attractive retirement option.

PERSPECTIVE

As you can see real estate has many benefits if bought creatively with little or no money down. YOU CAN LITERALLY CREATE WEALTH OUT OF THIN AIR.
Your ability to do this will continue indefinitely into the future.. Look back over the past 150 years, where have we been? Where are we now? Where are we going?

Real estate has gone up in value on an almost uninterrupted basis since the early 1800's. Many things have had their effect on the rate of increase but none the less it's been on a consistent movement upward.

CONCLUSIONS ABOUT THE FUTURE

Real estate will continue to increase in value in the future perhaps not at the same rate that has experienced historically. Rents will more than likely go up at a faster rate than they have in the past. It's a definite conclusion that creative financing is a necessity for future success. Therefore, giving a probability of larger and larger cash flows.

"YES YOU CAN! YOU REALLY CAN CREATE WEALTH OUT OF THIN AIR."

A traveler in ancient Greece was reputed to have asked a man by the roadside for directions to a distant point. The traveler by the roadside was the great philosopher Socrates. It is said that he pointed out and gravely told the man to just make every step go in that direction. A giant success is no more than a culmination of many smaller successes.

Someone was asked how to eat an elephant. "You do it a bite at a time was the reply. So it is with accumulating wealth out of thin air in real estate. You do it a step at a time.

The problem today is that many people want to acquire wealth by pushing buttons. There are very few, if any, legal ways that you can become a millionaire over night.

However, to become a millionaire in real estate is not that difficult if you are willing to do it a step at a time.

What you've read so far is explosive and should be reviewed many times. You have the desire to redirect and achieve that's why you're still with me, so don't wait the time will never be just right, start where you stand and use the tools that you have at your command, better tools will come later.

Keep this in mind; you quit growing when you stop learning.

I'm giving you the keys to financial freedom, all you have to do is use them and success can be yours.

 

Review each lesson over and over and remember," Before the reward there must be labor. You must plant before you can harvest and sow in tears before you reap in joy."

 

Never put off until tomorrow what you can just as easily do today. This is a well known statement asking for a firm commitment. So many times when you put things off they never get done. Be firm on this policy, in the long run it can save you time as well as money.

 

Dynamic Credit


Building dynamic credit can greatly expand your investment opportunities. However, you really don't need good credit to get started as a real estate investor. But, good credit will vastly expand your options and therefore your acquisition opportunities. You can create or improve your credit rating history so it is reflected in your credit reports.

I'll explain the various sources of credit available to you as a seasoned real estate investor and will explore these options. As you will soon learn if you currently have bad credit or no credit at all, you can still buy your first home or investment property. However, having good credit makes the whole process a lot easier.
Let's face it; your credit can never be too good. No matter what your situation you can always use better credit. Establishing or improving whatever credit you have is an important part of getting started. While the techniques I teach have little to do with banks or mortgage companies, if you ever do choose to use them they will almost always rely on credit reports in making their decisions to lend.

There are three major credit bureaus that act as clearing houses for collecting information concerning everyone's paying habits.. Potential lenders and businesses can contact these bureaus to find out if you are a good credit risk.

A typical report contains all kinds of personal information about you. Such as, your address, phone number, job..title and description, marital status, payment schedules, credit purchases, applications, lawsuits, bankruptcies and most all other debts. They're not supposed to collect information that is seven years or older unless you've had a bankruptcy, which will stay on your file for ten years.

Credit bureaus do not verify or make value judgments on the information they collect. Lenders decide based on their own criteria so it's up to you to make sure the information on you is correct.

Write to each major credit bureau and have them send you a copy of your credit history.

When you write to these companies you must include your address, your social security card number, your date of birth, and a picture copy of your ID.

By law these companies must show you your credit file and anyone who has checked your credit in the last 30 days.

Few people do not have at least one blemish, small or large on their credit file. Find out exactly what your credit profile is and whether any flaws that exist can be corrected. For example you may have purchased an item with your credit card and for some reason returned it and you are still getting statements showing an outstanding balance..

 The Federal Fair Credit Reporting Act gives you specific rights, you can dispute any inaccuracies that you find in your files. If you inform the credit bureaus of an inaccuracy they are required to investigate the claim within 30 days. They must present your claim to the source of the error. The source must report any errors they have made. The reporting agency must then give you a written report if the results of your inquiries make a change. If the dispute is not resolved you are entitled to add a short statement with your explanation.

The Federal law requires that the credit agencies give you the names of the credit bureaus that have caused your credit to be rejected.

Computerized credit screening has replaced most credit analysts. The computer is programed to look for several positive factors; home ownership, savings accounts, job stability, and income to debt ratio. Negative factors that will show up are job hopping, to many credit cards, no history of savings and low income with excessive debt.

There are a number of things that we can do to improve the potential for a positive computer screening.
(1) Make certain that the total debt that you have, including what you are trying to borrow, does increase the debt payment ratio of your gross payment ratio to more the 25% unless you are borrowing for a mortgage and then it should not exceed 39%..

(2) If you have unrecorded short term debt (Three to six months) do not record it, or borrow the money from a friend to pay it off in order to lower your debt ratio below 25%.

(3) List the incomes of every body that shares expenses in your household.

(4) Spousal income should be listed even though it is not required that they co-sign on the note.

(5) The purpose of the loan is important. Home improvement, medical bills, debt consolidation. Stock market or vacation or less favorable.

(6) If you are self employed list yourself as the pres. Or at least give yourself a title the reflects importance. It could have an effect on how your application is rated.

(7) If you have recently changed jobs make sure you give an explanation on a separate sheet of paper.

(8) Checking and savings accounts are positive screening factors. If possible you want to open more then one of each.

(9) If you have credit cards that you are not using, close them on a temporary basis.

(10) Finally, consider typing your application information because believe it or not this is a positive factor. (That's ten ... Don't you just love lists of ten?... I do!)

Almost everyone today has at least one credit card, if you don't have one, get one. Credit cards are an easy and very important way to establish new credit. If your present credit is so bad that you've been unable to obtain one then we may have to start you out with smaller companies and gradually build up to the larger credit card companies. You should be able to get credit cards at local stores. Sears, J. C. Penney's and R C Willey's are usually easier cards to obtain.
If all efforts fail then approach a bank to open up a charge account with a credit balance. You do this by depositing $300 to $500 dollars in an account and having them extend that much credit to you. In other words you are paying in advance for charges you will make in the future. When your account balance has been depleted the bank will more than likely issue you a credit limit without further deposits.

If you already have more than one credit card you might want to use one credit card for purchasing one type of goods and services and another card for the others.

Be sure to evaluate your credit situation and maintain only as many credit cards that are practical to you

By using common sense credit cards can become a very important asset to you in buying and maintaining real estate. For very attractive real estate investments that require down payments and fix up money, credit cards with nice credit limits are essential.

The process of building your credit no matter what method you choose is a job in itself, whatever it takes is of vital importance to you...

Here's another method to improve your credit by using banks. This time we're only going to use 4 steps.

(1) Go to two or three different banks and purchase a CD in each.

(2) Go back to each bank and ask to borrow money in the same amount you invested in the CD and offer to secure the note with your CD.

(3) Take the money that you borrow and put it in an interest bearing account. This money will be used to help pay back the banks.

(4) Make a monthly payment every week for three or four weeks and then monthly payments until the loan is paid. You now have two or three banks that you can list as credit references.
Once you have completed this technique go back to the same banks and apply for unsecured loans in the amount of your original CD and make sure they are paid off as scheduled. Repeat this method over and over again and increase your credit limit each time. It works and it doesn't take anytime at all to build a powerful credit line.

As I stated earlier, good credit is not a must when buying real estate creatively. Even though having no credit or bad credit is not a problem starting out is the time to set your sights on becoming a successful long term real estate investor and to do this you should develop a systematic program for improving your credit. Let's face it, having good credit can accelerate your time frame in achieving your financial goals.

 

In General

Learning is Knowledge

Here's something for you to consider. When starting out on a new journey it would be ideal if we knew all the right roads to take. If everything was mapped out for us we wouldn't get lost. It's nice to be shown the way but you won't always have someone there to do this for you. You have to learn for yourself the right way to your destination. Making mistakes starts the process of learning and the more mistakes you make the more you will learn. We can't always take a detour around the troubles and difficulties that are put in our path sometimes we have to fix the problems before we can go on.

 

I'd like you to take the time to review everything that I've written up to this point. You'll find many hidden messages that are meant to stimulate your thought and create positive action. You have within you the ability to do anything that you set your mind to and I have the confidence that you're going to do it. If it's going to be it's up to you and me.

Repetition and review are the best way to learn and form new habits so I want you to repeat and review over and over again.

Your success as an investor depends a whole lot on how well you let the whole world know who you are. I'll give you some of the information that you need know in order to do this and let you know where to find the rest. To be real successful you have to establish yourself as a seasoned real estate investor. Like most people you are probably starting this new adventure while working 40 t0 50 hours for somebody else trying desperately to make ends meet. Since you are starting with a minimal amount of time you should spend the time as productive as possible.

A seasoned investor has the knowledge, experience, and tools necessary to do the job. However it's possible for you to perform like a professional even without experience. The knowledge is in this course and you can easily acquire the tools to begin. Once you've made up your mind to do something don't let others discourage you and influence your decision just go ahead and do it. That's what all the successful people ahead of you have done.

Great things are performed not by strength, but by perseverance. Getting started is the hardest part of any job. If you have the courage to start then with the proper motivation you will have the courage to finish. Keep away from the people who want to belittle your ambitions, small people do that, but the really great make you feel like you to can be really great.

As you experience the trip through any one of my courses you'll become aware that I use certain phrases, thoughts and ideas over and over again. I use them to stimulate and motivate your mind. By repeatedly using sayings I hope to burn them into your subconscious mind. After all they are the thoughts and ideas of some of the greatest thinkers of all time.

The most important part of establishing yourself as a seasoned real estate investor is the knowledge that you have about creative real estate investing. As we get deeper and deeper into the course, review and review until you become comfortable with all the material presented to you. Some of my students have told me that they've gone over this course a half a dozen or more times and each time they've picked up on something that they had missed previously and many questions they had were answered as well.

It is very important to know the vocabulary of real estate investment but it will come easy once you begin as an investor. However, if you want to get a head start then I would suggest buying a glossary of real estate terms and keeping it handy at all times while taking this course. Of course as I introduce new terms and words I'll give you their meanings.

Another part of establishing yourself as a seasoned real estate investor is to make sure that you've got all the tools of your trade ready and available to you. For example an extra room in your house that can be devoted to as an office. Or at least get a desk and a file cabinet to organize and hold all your paper work. I often joke that if you want to become a paper collector the best way is to become a real estate investor. Having ample storage room so that you can organize the paperwork associated with your efforts is important.

A second phone line because the telephone is a vital tool in your investing efforts.. An answering machine or voice mail service should also be given consideration.. Later on a Fax Machine, a tax machine and a computer for e-mail communication.

In your search for a home or investment real estate, you are going to be looking for three basic categories of sellers; sellers that are flexible, sellers that may become flexible, and sellers who are inflexible but who will sell their property to you in a way that's traditional to them and a creative way to purchase with no money down for you.

It is essential that you are able to quickly locate these sellers. By establishing and advertising yourself as a seasoned real estate investor these sellers will come to you.

 

The following techniques are ways that you can establish a high profile and quickly find or attract flexible sellers.. If you put into practice only a few of these ideas within the next 30 days you should be able to locate a good number of flexible sellers.
First I'll make a list and then will explore each category.

(1) Business Cards.
Design a simple card that says that you buy real estate for investment purposes. Then distribute your card to everyone that you know and every place that you go.

(2) Newspaper Ads.
Again let everyone know that you buy real estate for investment and you want to make win/win deals..

(3) Classified Ads.
By the way an ad reads you'll know how to find the flexible buyers. It's easy to spot flexible sellers by the wording of their ads. For sale or lease option is definitely a flexible seller. I need to sale my house by such and such a date, make offer. Need to sale or trade by Sunday, will trade for anything that doesn't eat.

(4) Courthouses..
Get to know your courthouse and primarily these areas; The tax Assessor's Office, Mortgage and Foreclosure Office, and all other areas where you can find important information concerning real estate.

(5) Banks.
Properties owned by banks are known as REO's and sometimes REO's are made available at below market value. To get rid of these properties sometimes the bankers are willing to make real attractive deals. I even found some that are willing to lease option properties.

(6) Agents..
Dealing with brokers and licenced real estate agents sometimes can get a little messy so learn to do most things on your own. However good relationships can be very rewarding.

(7) Flyers.
Another good way to let people know that you are around and that you are a seasoned real estate investor.

(8) Investment Clubs.
A good place to discuss investing techniques and find partners in large real estate investments.

(9) Farming
(Driving through neighborhoods).

(10) Using the computer;
self explanatory but a lesson all of it's own.

All of the things listed here are common sense tools and I intend to show you how to use each and every one of them.

If you can find an investment club in your area I heartily recommend that you join and attend the meetings on a regular basis. Not only do these clubs sponsor informative guest speakers but they also have a constant flow of update real estate information. In addition they are a great source for buying or selling property. Merely letting club members know that you are in the market for certain kinds of property in certain neighborhoods is sure to elicit responses.

Locate several neighborhoods in which to concentrate your investment activities. Once you've found the right neighborhoods make it a point to drive through them frequently. Become familiar with the boundaries, schools, bus stops, shopping areas, employment centers, expressways and recreational areas.

If you drive through these areas once or twice a week you will see a lot of real estate activity. Make notes of the people moving in and moving out and of the properties that are for sale and the properties that have been sold. If you want or need a little exercise take a walk once a week in the neighborhood of your choice and meet and greet people that you see. Make yourself known and be as friendly as you can be. Talk to the people who are walking the streets or even the people who are working in their yards, become acquainted and make yourself new friends. You'll be surprised at the flexible buyers this will bring to you. I have friends in the business that do all of their business farming neighborhoods and making new friends.

Leave your business card with all the people that you meet let them know that you are willing to give them $100 for every lead that ultimately becomes a purchase.
When you start using the techniques that I've listed you are going to generate a lot of contact with sellers. Initially, 95% of your contacts are going to be made over the telephone. It is important to generate as much information as possible on the telephone without offending the seller. For now just remember to ask all your questions in a conversational way and phrase them in such a way as not to offend the seller. Be an empathetic listener. Put yourself in the sellers place, listen and agree. Believe me you'll draw a great deal of information from your conversation.

When you talk to a seller or a buyer on the telephone, someone responding to your ad or a referral from some other source try to get all the information that you can. If you are selling a piece of property the object is to match the caller's needs to the characteristics of the property. By the same token if you are buying property then your needs and desires need to be met. The following questions will help you in your fact finding efforts if your call is from a buyer.

Example; Yes, I am a private investor and own many different properties. What kind of property are you looking for? In what area would you like to live? And what is the price range you are looking for? In order to match your needs to the existing financing on my properties, I'd like to ask you what is the largest monthly payment your budget will allow? Can you afford to make a fair down payment? If so, how much? I need to get some back ground information to determine if and how much financing I can afford to give you. Where do you work? How long have you been employed there? Have you ever owned a home before? If so, how long did you own your home? Have you ever leased optioned a property? Have you ever been through a foreclosure or a bankruptcy before?

The questions can be worked into your conversation in a way that you feel comfortable and they will supply background information not only for now but for somewhere down the road.

Getting to know your way around your county courthouse can be a gold mine in disguise. This coming week I want you to visit the county courthouse, go inside, get acquainted, and explore the reference material and records that are available to you. Make this a regular visit and practice to look up information and get to know the people that work there by name. Make it a point to know the people on a personal level. They know a lot about the local market place and are most likely aware of specific properties that are for sale. Get to know them well enough so that in some point in time you can telephone them for information about properties and foreclosures. On your first trip to the county courthouse plan to spend at least 3 or 4 hours, it's an important step and a valuable investment for your future. This is actually my first assignment to you and I rate it at utmost importance.

Get to know all that you can about the tax assessor's office, the recorder's office, and the office that handles bankruptcies and foreclosures. This is vital to you and can mean thousands of dollars in savings when investing in real estate.

The rich and famous have all taken that first step and it was a gamble they were willing to take. Be optimistic as well as realistic and eventually you'll be a winner. Remember... "Beginning is winning"...

Flexible sellers are not always down and out. Sometimes even wealthy property owners are flexible. Sometimes even sellers who are not flexible can be converted by offering a higher price in return for more favorable terms. If you can create a purchase in this manner it's what is called a win/win transaction.

Keep in mind that a seller's emotions, needs, wants and desires are constantly changing. A seller who is not flexible today may become so by tomorrow. The more you meet and deal with sellers and potential sellers, the more likely it is that you will become aware of their changing situations. It is important to do everything you can to establish yourself as a high profile investor so that you can constantly meet people.

As you look at properties, you are playing the "numbers game." It is the same game that is played in every selling situation. You have to contact a certain number of people to find people who are interested. It'in s only logical that the more people that you see or who know about you the more successful you are going to be. After a while you will know where you fit in the numbers game. Let's say that for now you have to call 25 sellers to end up looking at 5 properties, make an offer on three, and end up buying one. That's it! The Numbers Game...

As I have said before, it isn't money that makes money, its knowledge. In this lesson we will find ways of developing knowledge on our local market place. It really is essential that we select the right properties in the right neighborhoods and that's where knowledge of your farming areas becomes power.

The more knowledge that you have about the market place, the less likely you are to waste time with properties that do not offer investment potential. You have only a limited time to spend looking for a house or an investment property so it's important to spend that time wisely and productively. We don't want to buy the right property in the wrong neighborhood or the wrong property in the right neighborhood. ( I hope I stated that right.)

Common sense would suggest that you are probably better off dealing with lower price homes. There are far more inexpensive homes on the market then there are moderately expensive, expensive, or ultra-expensive. Common sense tells me that if you deal in the lower half of the moderately expensive homes and the upper half of the inexpensive homes that you find yourself in the right market for the majority of the buyers and sellers. By the way these properties are referred to as the bread and butter properties of the market. They are plentiful and in demand by the largest number of people.

As you look for properties in the bread and butter range you'll find them easy to identify because they are often similar in appearance and most of them need cosmetic repairs. You'll find single, two family, three and four family rental properties similar in appearances as well. The owners of these properties are frequently forced to sell because of high maintenance, interest costs, loss of jobs, death, divorce and a host of many other reasons. Because these homes exist in large numbers finding flexible sellers is not a difficult task.

Two family and four family dwellings represent good investment opportunities but the turnover rate is much higher then single family properties. The same is true in apartment buildings and other large multi- rental units.

Offsetting the turnover rate, however, is the fact that you can buy multi-units at a far lower per unit cost then single family homes. Generally the lower the cost per unit, the easier you can structure a no money down purchase with a break even or a positive cash flow.

The following game plan should enable you to develop the knowledge you need to select the neighborhoods that you want to farm. If you're goal is to retire in 10 years, by simply buying 3 homes a year you'll have 30 homes, sell 15 and use the profits to pay down the mortgages and taxes on the remaining 15. In ten years the remaining 15 houses will generate a significant income of $10,000 or more a month and you should have a net worth approaching $1 million.

I hope the picture that I'm painting is more then sufficient enough to show you the importance of quickly developing your knowledge of the market place. To do this contact all of the following individuals and organizations for information: Real estate brokers. Real estate investors, Camber of commerce, postal employees, tax assessors, utility company employees, police, delivery persons, investment clubs, title insurance companies and bankers. These contacts all have one thing in common. Directly or indirectly, their business involves real estate, and they can help. Approach all of them in the same way and ask these 5 questions in a conversational manner.

(1) What are your observations about the real estate market in this area? Do properties frequently appear on the market for sale and , if so, do they sell quickly?

(2) Do you live in this area? Do you Like it?

 (3) Would you consider investing in this area ?

(4) What kind of properties would you buy?

(5) Are there areas that seem to be going up in value faster then others.

To reinforce and add to the information that you'll be receiving, do your own scouting for details.



"IT'S UP TO YOU TO DO ALL THE THINGS IT TAKES TO CHANGE YOUR LIFE AND MAKE ALL YOUR DREAMS COME TRUE."

I've started giving you a few assignments and doing these things is a must if you truly want to become successful and financially free by becoming a seasoned real estate investor. Don't just read the material that I'm giving you, I want you to apply it, use it, do it. You've already made that commitment, so follow it through and make all your dreams come true.

Get a good Day Planner and start organizing your time and make a schedule that includes everything that I'm outlining for you. I promise you success but you have to make a plan and then stick to it.
Now before I continue where I left off, here's one more thing I want you to start doing religiously every day. I want you to make reading the real estate classified ads and making a list of the flexible sellers that you will contact by phone. If you're serious about making this real estate investing thing a part of your life then make these things part of a daily routine.


Now let's go back to scouting and farming our selected neighborhoods. You want to get a map of the neighborhoods and then go on your own personal scouting tour. Your objective is to get acquainted with the layouts of several areas where you will eventually make your investments. You should try to make your investment activities take place within a 10 to 15 mile radius of your home.. If you are a beginner then confine yourself to neighborhoods of single family and two family homes. If you are more seasoned then add larger properties to your search. You want to meet some of the people who live and work in these areas. Ask these people these few questions to help develop information quickly.

(1) I'm thinking about buying in this neighborhood. Do you live here, have you lived here a long time?

(2) Are there many renters in this neighborhood?

(3) Do you have any idea of the price of homes in this area?

(4) Do you know what people are currently paying for rent?

(5) What do you like most about this neighborhood?

(6) What do you like least?

(7) If you were to buy rental property would you buy it in this neighborhood? oftlineWhy? Why not?

(8) Do you know of any properties that are for sale or rent.

THINK OF THE EDUCATION YOU ARE GOING TO GET OVER THE NEXT 30 TO 60 DAYS IF YOU SIMPLY GO OUT AND TALK TO PEOPLE!

Any property that doesn't exist in great numbers and yet is still in demand is considered a hole in the market place. These would be properties that are easily rented because they fill the needs of the greatest number of perspective renters. Three, four, and five bedroom homes with fenced in yards, close to schools, air conditioning, central heat, fire places, and etc. are the ideal rentals where renters like to stay for long periods of time. You may never find a property that fits all of this criteria but the more of these "in demand" characteristics", the better the investment it becomes.

In addition to the physical characteristics of the property, look for properties that have favorable financing. Properties that have existing assumable FHA or V.A. financing. These things make acquiring the property much easier. Any property with seller financing or no financing will potentially give you the flexibility you need to acquire the property with no money down.

Farming for Properties

 Driving through neighborhoods looking for the properties that fit your expectations is referred to as farming. You want to farm the neighborhoods of your choice once or twice every week. Look for new real estate activities such as people moving in and out of the area, new properties for sale, vacant homes, new for sale signs and properties that have been sold. Make it a point to meet the people you see, they can be a great source of information. When you meet somebody new be sure and give them your business card and it wouldn't hurt to offer them $100 for leads on any property that you ultimately buy. 

Become familiar with the neighborhood boundaries; locate the shopping areas, the schools, the parks, the churches, entrances to the freeways and anything else that draws your attention.

Before you start farming let's make sure that you've selected the right neighborhoods to make investments in. You want to select two or three large neighborhoods but before you do you'll have to do your homework. You want to learn all that you can about the overall marketplace where you're going to invest. Take the time to contact the Chamber of Commerce, local investment clubs, the Apartment Association and the local court house. It would be a good idea to join an investment club and the Apartment Association. I've found that the best information comes from these associations.

Get acquainted with the layout of the areas where you'll eventually invest. You can get a map from the local bank or the Chamber of Commerce. Try to confine your investment activities within a 10 to 15 mile radius from where you live.

Starting out I'd suggest that you deal only in single family homes with 3 bedrooms and two baths or a bath and a half bath. Look for homes that have fenced in yards, garages, central air and heating, and possibly a fireplace and a finished basement. These are the kind of homes that are the easiest to rent and keep rented so they'll make a better investment.

Creative Real Estate strategies will work in any market place providing you take action and put up the effort. The first thing to focus on when farming is to seek out the motivated sellers. The properties that you eventually end up investing in are owned by the motivated sellers.

A motivated seller is a property owner whose sole aim in life is to get rid of his property.

The truth is that motivated sellers do exist and they always will. There are always a percentage of motivated sellers in any market place and here's why... Motivated sellers and the most flexible sellers are created by personal reasons not the almighty dollar. While these situations are unique to the seller they're not unusual, actually they're patterns that play over and over.

We want to concentrate on this market of highly motivated sellers. Let me give you a few of the reasons that create flexibility through motivation. First of all there's relocation, usually a job change or a transfer or some other reason Then there's relationship problems most likely a divorce, then of course financial problems from many causes, landlords sale because they're sick and tired of tenant problems. People who inherit property don't want the involvement so there are probate problems. I could list many more but I'm sure you get the drift.

Let's look at lease options or lease purchases as a strategy to solve the problems of a motivated seller and come up with a win/win solution. As a lease option investor you'll learn several different options that will solve the sellers problems. I'll discuss one that generally works in most cases.

So that you won't put your financial future at risk I'm going to give you a cash flow formula for creating wealth that will last throughout your investing career. Learn this formula and you'll learn a strategy that is guaranteed   to make large sums of money in real estate investing. You can do this without ever having credit checks or using financial institutions.

Offer to take over the payments on the sellers property for the next six years, at the same time agree on a price that you can buy the property for anytime within the next six year period. This is what's called a lease purchase or option.

Once you've found the motivated seller it's time to look through your list of hungry buyers then link the two of them together. Oh, by the way, a hungry buyer is somebody who wants to own their own home but can't qualify with hard money lenders.

The strategies that we are using works better if you have hungry buyers at your finger tips and I'll let you know how this is done as we move on.

Let's assume that you've made a deal with a motivated seller but you haven't yet found a tenant buyer to complete the transaction. It's a sweet deal and you don't want to end up walking away from it, however times running out and you've got to find a buyer fast. O. K.! Here's what you do! Set up your voice mailbox with a compelling message that will make them want to leave contact information. Widely spread the word using ads, flyers, and word of mouth that you are an investor with a nice house to show but that your primary interest is to solve people's problems. Let it be known that you can find them their dream house in a nice area and that you'll structure a deal that will make them happy.

* Make sure that you check your voice mail messages several times each day and respond to them right away. Work through the numbers on the property so that you can work them in to the buyer's situation. Make sure the house is clean and tidy so that it appeals to the buyer. Before each showing make sure you arrive at the property early to make last minute preparations.

Set up showings for the property with several qualified buyers. Make sure they all fill out applications. You can charge a fee for the applications to make sure of the buyers sincerity. Screen all the applicants and select the most qualified buyer. Call and share the news with the lucky tenant buyer. Let them know that they must let you know now because you have other buyers that are ready to go. Meet with the tenant-buyer and fill out the paper work and collect your money.

Strategy #1....I used this with terrific results.

OK, I want you to follow this closely,

 (1) Let's say that you offer the fair market price for the home $200,000, Make sure you lock in the price at the present market value.

(2) Agree to take over the payments of $1400, which include insurance, taxes, principle and interest. You'll make the payments for the next six years with the option to purchase the property at any time during that period.

(3) Now if you want to sweeten the pot you offer to give the seller $2000 down. You don't have $2000, well don't worry it's not going to come out of your pocket.

(4) Tell the seller that you'll give him the $2000 as soon as you occupy or find someone to occupy the property. It's critical that this is added to the contract, it's what's called an escape clause.

(5) Now, let's say that you've found a hungry buyer who has agreed to your terms.

(6) The buyer will rent the property for three years with an option to buy.

(7) The market for the rent in this area is $1700 a month so you ask for $1800.

(8) You also agree on a purchase price of $230,000 which will be less then market value at the end of a three year period..

Market value will be $242,000 at an annual increase of 7% for appreciation.

(8) You collect a $10,000 up front option payment. Put it in the bank and write out a check to the seller for $2000 for the down payment.

Cool...That's how it works! This wasn't a no money down deal because you get to put $8000 in your pocket. WOW.

Who's going to take care of the maintenance? Again follow

closely.

(9) Tell the seller that you are willing to take care of the first $200 in maintenance for any one month which normally will take care of 98% of the maintenance.

(10) Now you go to your buyer and suggest that since he'll soon be the owner of the property that it only stands to reason that he takes care of its upkeep but since you don't want him to get hit with any major repairs you'll set it up so that he's only responsible for the first $200 in any one given month and you'll take care of the rest.

Therefore if anything happens that costs over $200 the seller is responsible and the buyer is responsible for up to $200 so it doesn't cost you a thing.

If the hungry buyer refinances and pays off the loan at the end of three years you'll  have made a profit of over $40,000 on just this one deal.

You too can profit from deals with no liability, no risk of money, no credit required, and no obligation on your part. You can do it with options. Options are a powerful way to leverage real estate and make lots of money without any financial obligations. With an option you can purchase a property at a set price for a certain amount of time. You have the option to buy but you're not obligated to buy. However if you're the seller giving the Option, you are obligated to sell the property to the buyer within a set time frame. Can you imagine the potential you have by getting Options on properties found in your neighborhood then reselling them for large profits and the only time you use the bank is to cash your check and deposit the money?

Only a motivated seller will give you an option to buy their property. They've tried almost everything and it boils down to this, they need you and they need your help. If the seller is truly motivated they'll want you to do whatever it takes to get them out of their situation so that they can move on with their lives. Options don't work for everyone. Some sellers may need other methods and that's where creativity comes into the picture. It's important to sit down with the seller and figure out the best way to handle the situation so that everybody wins. Negotiating a win/win proposition takes understanding on your part and a great deal of faith and trust on the seller's part. If you've played your part well then you are the savior and can come up with the right solution to handle this dilemma.

There are three important factors needed to make an option purchase work. First you must find the motivated seller and this is critical for by working with a motivated seller rather than an ordinary seller you'll be able to create more profits and at the same time feel good about helping the seller solve their problems. Second you want to accurately diagnose what the sellers needs are and have enough options to put together a deal that meets those needs. Third you need a new buyer to sell the property to.

Options can be risky but if you carefully screen your tenant buyers (Hungry Buyers) and link buyers to sellers before completing the deal the outcome can be very rewarding. Make sure that all your proposals are win/win/win and that everybody comes out happy in the end.

Here's another formula that might work best for you as a beginning investor.  Generate cash by flipping properties to replace your current salary or income. And continue to flip properties to generate the cash you need for further investments. When you've built up a substantial reserve then look for deals that will yield a high cash flow such as apartments,  office buildings, motels, hotels, condos, resorts and so on. 

By taking these steps to build wealth you can avoid the pitfalls and headaches that many investors experience from owning real estate that keeps them from attaining financial freedom.

Using purchase options will give you many streams of monthly cash flow, quick cash, and financial security. As you continue buying properties your monthly cash flow will grow and grow. With each property that you add to your portfolio you'll get substantial up front money and last but not least there's property appreciation. By adding more and more properties and structuring each deal carefully and intelligently you can earn big profits from more than one deal at the same time. If you continue with this plan of action you'll find financial security in no time at all.

Purchase option investing can be structured in such a way as to eliminate risks and give you favorable benefits. First you can do away with the traditional land lord syndrome.

As you add more and more properties to your portfolio you diversify the risks by the wide spread.. The more properties that you control the more streams of income you'll have giving you that much more spendable cash. Beats tradition, doesn't it?

People are more than willing to pay a premium for easy financing just to eliminate credit checks, banks and mortgage companies. It's a fact that if you have control of the property you can instantly increase its value and set the terms, as such, to make it easier to buy. Believe me you'll attract many tenant buyers that will jump at the chance to buy your property. You can give both the hungry tenant buyer and the motivated seller an option to have what they want and make good money by doing it. The rent to own concept has been around for a long, long time.(Charging much more for a product and making terms easy so that the buyers can enjoy it before they actually have the available funds.)

Now let's say that the motivated seller wants a down payment for their property. You can do this without taking any money out of your pocket by the way you structure the deal. Here's how! When setting up the deal with the hungry tenant buyer you'll charge an option payment, usually 5%, which you'll add to the purchase price and then credit off the purchase price when the buyer consummates the buy. If the buyer decides not to consummate the deal the option fee is non refundable. As for the down payment for the motivated seller you simply subtract that from the option fee and what's left over you put in your pocket. Make sure that you have a "subject to" clause. What this means is 'subject to" your finding a qualified tenant buyer, at which time you'll pay the down payment and consummate the deal. If by chance you don't find the buyer the deal is off. Show integrity and be fair to the seller by setting a length of time for this to take place.

I know that this question's probably in the back of your mind. What happens if the tenant buyer decides not to exercise the option to buy? Well, not to worry, you're still left in a favorable position. For example if the first buyer drops out you just get another buyer and you stand to make a lot more money. You get to keep the option fee, which was none refundable. The property has increased in value so you can get a higher sales price. Market rents have probably gone up so you can charge a higher rent. And of course, you can charge another option fee.

So far we've learned that when a motivated seller gives a buyer an opportunity to purchase a property using an option, the price will usually be right at the top of the current market value,. However, depending on the length of the option the price could even be higher. This would compensate for a potential increase in value due to inflation.

If near the end of the option the price given the buyer is not equivalent or higher than the option price, the buyer is not obligated and can walk away from the deal. The option money received by the seller is added to the purchase price. The tax on this money is deferred until the option is either exercised or forfeited. Money received by the seller at the end of the option is treated as a capital gain.

The seller retains ownership until the option is exercised so all the tax benefits go to the seller. The seller should never have to worry about late payments because it's specified in the option that if rent payments are not made on time the option will be forfeited. This establishes the incentive for the rent to always be paid on time.

So far we've learned a little bit about lease options, however, when buying property with little or no money down there is another technique that in some cases you may want to use. This technique is called a "Subject To". .Using the subject to technique is a method where the investor gets the title (deed) to the property without assuming the mortgage. The seller keeps the mortgage in their name but signs the deed over to the investor. Up until now we've talked about making win/win propositions but with lease options and subject to deals three parties are involved in the process, the seller, the investor, and the buyer, so you always want to create a win/win/win proposition. If it isn't possible to do this then walk away from the deal. I'll give you more information on subject to deals and when to us them as we move along. For now I want to concentrate on lease options because this is where I like to do my primary investing.

Before I go on I want you to know the difference between a lease option and a lease purchase option. A lease option gives you the right to purchase or walk away from the deal anytime within a given time period. A purchase option is where you guarantee to buy the property within a given period of time. I use lease purchases when I plan to hold on to the property for a long period of time. When I put a tenant buyer in a home I always use lease options instead of lease purchase options.

WORKING WITH REAL ESTATE BROKERS.


Real estate brokers diversify as well as specialize so with such a wide spread range of abilities it's important that you find one with the ability to fit your needs. One who is knowledgeable about the types of property that you want to buy. Unfortunately as you look for the right broker you'll find that few are acquainted, or trained in creative finance and techniques used creatively to purchase property. Most do not except these techniques primarily because they depart from the traditional norm. Sometimes you have no choice but to work with a broker or salesperson like this. However, there are special techniques to help you work with this type of listing broker.

Listing brokers are not bad people; they have the same emotions as you and I. When asked to present a creative offer with no money down they are afraid that the seller will act negatively toward them.. After all, a broker is usually working for the seller and could be accused of operating in a way contrary to the sellers best interests. When you write an offer for a property that has to go through a broker always add the words, "Buyer reserves the right to accompany broker to present offer. Brokers will act negatively to this clause but it is a simple reminder that state law, in all states, allows you to do this. Discussing this carefully with your broker beforehand should be enough to gain their cooperation.

 Always make it a point to drive your own car to the seller's home or office and arrive early, wait for the broker before you actually go to talk with the seller. Be courteous of the sellers time and always begin the conversation with "Your broker has been kind enough to allow me to explain this offer and show you how we can both benefit." Don't over do it, make it simple and clear.
Obviously I am there against the wishes of the broker but by complimenting him it starts the meeting with a positive note..

Traditionally, real estate brokers represent sellers. However, you can contract with a broker to represent you, the buyer. Rather than setting up a formal agency relationship with a broker you might simply tell the broker you would appreciate a call about any property that might fit into your guidelines. This way the broker informally becomes the buyer's broker even though the seller will be paying the commission.

Once you have found a broker to work with you, give the broker the following guidelines to identify the properties in which you might be interested.

(1) Any property owned by a flexible or highly motivated buyer.

(2) Any property the seller is willing to finance.

(3) Properties with mortgages where the outstanding balance is less then 50% of the asking price.

(4) ALL properties with assumable loans.

(5) Any property offered at 80% below market value.

If a broker can arrange for you to look at four or five properties every weekend, specially properties that fall into these guidelines, you have an excellent opportunity to buy one property a month.

I cannot over emphasize or emphasize enough the importance of finding agents and brokers who are trained in and have a positive attitude toward creative real estate finance. Try to find brokers and sales people who have previously bought investment properties themselves.

There's a new kind of broker that takes a different roll where they act as facilitators in a transaction. This posture is called the "transaction broker" and represents neither party they merely act as a go between, so to speak. Naturally if a broker is acting as a transaction broker they must disclose it in writing to all persons involved.

Motivating Thoughts

Before the reward there must be labor. You plant before you harvest. You sow in tears before you reap in joy.

Everyone who got where they are had to begin where they were. Your 0'pportunity for success is where you are right now. To attain success or to reach your goal, don't worry about having all the answers in advance. You just need to have a clear idea of your goal.

Don't procrastinate when faced with a difficult problem. Break those problems into parts, and handle one part at a time. Develop a bias toward action. You can make something happen, today.
Break your big plan for success into small steps and take the first step right away.

The highest mountain is climbed one step at a time. Take your first step today. 0pen your 0wn Doors To 0'pportunity

Every situation, properly perceived, becomes an opportunity. Distant pastures always look greener than those close at hand, but opportunity lies right where you are. You must simply take advantage of them when they appear. You can start where you are at any time.

Success is all around you. It's not in your environment; it's not in luck or chance, or in the help of others. Success is in you alone.

You don't need more strength or more ability or greater opportunity. What you need is to use what you have. Learn to seize good fortune, for it is always around you. You must go to success,
it doesn't come to you.

Pit falls of a landlord

I got home from work this morning at about 0730 fed my animals, fixed myself a cup of coffee and sat down at my computer to browse the internet. First of all I checked my email to sort out all the garbage and spam. Because of my interest in real estate each day I get tons of mail from so called gurus and entrepreneurs who claim to be millionaires and out of the goodness in their hearts they're willing to show me the way to achieve my goals and become rich over night. Then there's the mail I get offering me free gifts that range from computers all the way to trips to some beautiful paradise. Finally after sorting everything out I get to open the really important stuff. Next I go to Quicken (My online banking source) where I check all my financial affairs, cleared transactions, deposits, withdrawals, and online bill payment accounts. Now, if I have time, before my daily maintenance chores as a landlord of several rental units, I like to do what I enjoy most, write.

What I've just described is routine, I do it every morning in pretty much the same order. What happens next isn't routine it's what I call the landlords Rat Race, daily problems with my rental units and my renters that create new challenges and make life, at most, miserable.

I'm doing this in a roundabout way, but what I'm really trying to convey is that acquiring and holding on to many properties means that at some point in time the real estate investor is going to fall prey to the landlord trap. When this happens routines go out the window, habits are broken and investing stops. The investor is so busy doing maintenance and managing the properties that he already has that he doesn't have time to invest.

Let's be honest! The primary reason you are investing in real estate is because you want a better lifestyle. It doesn't make much sense if all your time is spent managing and doing maintenance on the properties you own. Because no matter how much money you're making you will still not have the freedom and quality of life that you are after.

There's a way for you to sidestep this trap and avoid all its headaches, backaches and hassles. Do you remember the strategy that I outlined for you in one of my prior lesson? The part that took care of the maintenance. It went something like this. "Mr. Seller to make this a real winning proposition for you would you like me to take care of the maintenance on a day to day bases on this property? Why don't I take care of the first $200 in any one month. That should take care of about 98% of the problems. Would that work for you?" Now you go meet with the buyer and you say, "Mr. Buyer you're coming into this property as if you are the future owner, and we expect that you'd treat the place as if it were yours. Of course this means that you are going to be responsible for the maintenance on the property. But to make it a winning proposition for you and so you'll know that you won't have any major repairs that you're responsible for, let's put a limit on it, you pay the first $200 in any one month and I'll take care of the rest.. I'll bet that wouldn't hurt your feelings. Would it?"

That's how easy it is to sidestep the landlord trap. Of course you still have the responsibility each month of collecting a check, depositing a check, and writing a check.

Working On The Phone

A very important part of real estate investing is one's ability to use the telephone effectively. As a teacher there are many things that I can convey to you but professionalism on the phone is a special art that can only be achieve by making lots and lots of phone calls. I can give you the questions that you need to get answers for but it's up to you how you work them into your telephone conversations. It's really a matter of trial and error and a whole bunch of phone calls. I suggest that you schedule a time (Right Away) to make 10 or 15 calls every day. Call the ads in the classified section of the newspaper that you feel are from flexible sellers. This is an exercise that I want you to do each day for the next two weeks. Who knows you might even find a property from a flexible buyer that you'll end up buying.. My intention however is that you learn how to feel comfortable on the phone, because in this business the telephone is one of your primary tools. If you already feel that you have a good rapport with people that you deal with on the telephone then let's make this exercise a scheduled daily routine. Remember it's still a numbers game, and whatever it takes is what you have to do. So many calls, so many contacts, so many offers and finally a deal.

Organizing the information you receive from sellers can be a nightmare if you don't have a system. Many of the properties you find, as well as many that are owned by sellers who contact you will be quickly eliminated because they don't fit your profile. If the property seems promising but the seller is totally inflexible, make a note of this on a sellers information form. Keep these notes for three to four months. If the seller is not flexible now, he or she may become flexible sometimes in the future..

If you try to contact a seller but have left only a message, make a note of it and file it under the heading, Follow up call needed. By organizing in a way that you can catalog your contacts can save you a lot of duplicate effort.

When you contact a seller or are contacted by the seller, you don't want to take up to much of the seller's time. In addition the questions you ask should be asked in a way that will not be offensive. The following questions will provide you with a prepared format for guiding the telephone conversation. Again, make sure these questions are asked in a conversational way.

This group of questions is designed to establish telephone rapport with the seller. You are asking questions which have answers that are known by the seller. Therefore they have no negative overtones. It is important to remember that establishing rapport is to be a empathetic listener.

If you receive answers that are favorable and make an appointment to see the property make sure that they are recorded on a property analysis form. (All forms can be purchased at an office supply store.)Use this form at the property to record other important information that you receive.

SPECIFIC QUESTIONS TO ASK THE SELLER

1) My name is ______. May I ask you your first name?

2) Please tell me about your home or property.

a) What is the size and sq. footage of the house.

b) What is the layout? Split plan, two story, etc...

c) What about the lot size?.
d) Does it have a garage?

e) How many rooms does it have?

f) How many full and half baths does it have?

g) What features do you consider to be special?

h) Is there any furniture or appliances included with this property?

3) What are you asking for your home? Would you mind telling me how you arrived at that price?

4) Tell me about the existing financing?

( If the seller finds this intrusive respond by telling them that as an investor you are looking for a way to purchase the property that would be a winning situation for both of us.)

5) Are you willing to assist in the financing?

Most sellers respond to this question negatively.

A. Do you need cash at the closing? How much?

B. Could the down payment be spread out over a period of time?

6) How long has the property been on the market?

7) Have you owned this property long?

8) It sounds like you have a nice home. I'm curious, why are you selling?

9) Tell me, what do you like most about your property? What do you like least?

10) Are there any renters in your neighborhood?

Do you happen to know what they're paying for rent? What do you think the rent would be on your property?

11) Would you consider leasing your property with an option to buy?

12) Quite honestly, I am a real estate investor. Let me ask you, if I were able to buy your property and pay cash and close on it in less than a week, what would be the lowest price that you would consider taking? (This plants a seed in the sellers mind that you could buy for all cash even if in reality you could not.)

13) Questions to ask the broker if one is involved.

A. Do you own any investment property yourself?

B. Have you ever owned any?

C. Does your firm manage properties?

D. If I should buy this property would you consider managing it for me? How much?

E. What is the vacancy rate in this area?

F. Do you have any properties for sale that would be a good investment for me?

G. Would you be willing to take all or part of your commission in form of a note

­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­­

The Market Place

Whenever you see darkness, there is an extraordinary opportunity for the light to burn brighter.

Determining the value of a product or items would be easy if it was bought and sold in a perfect marketplace. Since there is no such place the stock market might be the closest. At any time of the day you can at least determine the price at which a stock is selling, thus letting you make a judgment whether you want to buy or sell.

Unfortunately real estate is not bought and sold that way. Many sellers ask what ever price they think their property is worth. Many buyers will pay a price in direct relation to the properties ability to satisfy their emotional needs. Because no two properties are alike, this makes real estate a uniquely imperfect market.

Knowledge of the real estate marketplace is critical, especially in terms of property value. The investor that knows and understands value is the one who will make a lot of money. As an investor keeping your emotional needs in check and concentrating on your financial needs is important. You cannot afford to fall in love with a property. Your sole concern should be how well the property under consideration fits your financial needs.

Money in real estate is made when you buy, not when you sell. You can't afford to accept terms today that will be unacceptable to tomorrow's buyer. Nor can you afford to buy at a price that does not allow for a reasonable profit. Don't buy what you cannot sell.

By following the guidelines that I am teaching in this course initially you will be purchasing single family homes and other small properties like two, three and four family units. You may be competing with prospective purchasers that will be evaluating these properties with an emotional bias.. This analysis tells you that the property is selling for much more then the financial analysis is worth. That's okay, move on to the next property. When you do buy property based on its true financial value you will make a profit.

Before using any other method to determine the value of real estate try using the common sense approach. While you are probably not a builder or an architect and you have not been trained to read blue prints at least you can visually try to spot potential problem areas. These will detract from the overall value of the property and will add to the cost of repairs and maintenance. Moreover if you learn to look for and identify suspected problems you may determine that professional services are needed for repairs and the best thing to do is move on to another property.

As long as you can walk, crawl and see make it a practice to systematically and completely inspect the interior and exterior of all the properties you consider for purchase.

Make a complete report evaluating the property and have the report with you each time you visit the property. The following is a check list that you should follow;

OUTSIDE

*Look for evidence of termites.

*Dry rot.

*Cracked foundations.

*Discolored roof sections.

*Sections on the roof that may need replacing.

*Missing mortar from chimney.

*Lush green grass on top of septic tank

INSIDE

*Water stains.

*Cracks in wallboards and baseboards.

*Leaks around window frames.

*windows.

*Flush toilets and turn on water facets to check for leaks and water pressure.

When you hire an appraiser to determine the value of property, the value will be appraised as of a certain date.. The price at which the appraiser arrives at is not cast in stone; it is merely the appraiser's judgment of the value of the property. Because of all the variables involved appraisers use many different ways to determine a single estimate of value. While you may not use a professional appraiser on every piece of property that you buy, you want to become familiar with the three main methods that are used..You can actually learn to use these methods without any formal training..

APPRAISAL METHOD ONE

One way to determine the value of a piece of property is to look at the price for which similar properties in the same neighborhood have recently sold. The asking price of current properties for sale is of little use. This is someone's estimate of the value, for that matter, a lets offer it for this price and see what happens approach..

While appraisers are quite scientific in the way the compare properties that have recently sold, you can do a reasonably accurate job yourself. Find one that is similar in the same neighborhood so that you can compare, "apples to apples, you might say.

You should know the approximate square footage of each property, the age, type of construction, number of bedrooms and baths, and any extra amenities the property has, such as a double garage, air conditioning, central heat, finished basement, fencing, ECT, ECT...The size of the lot can also add or detract from the price of the property.

When appraising multi-units, such as apartment buildings, and office buildings that produce rental income you should:

* compare the selling price per apartment unit by dividing the selling price by the number of apartments.

* compare the selling price by the number of square feet by dividing the selling price by the number of square feet* * * Compare the gross income multiplier, which is the selling price of the property divided by the income it generates each year. This is called the G.I.M. which I'll go into more detail as we progress.

Most of this information can be obtained through real estate brokers. T o research it yourself, public records are located in the Tax Assessors Office..

To place a value on smaller properties such as single -family and two-family homes, the market sales approach is the best and most reliable way..

APPRAISAL METHOD TWO (Reproduction cost analysis)

This method looks at the current cost of building the structure and the cost of the land. Then subtracting the wear and tear to arrive at a value.

Costs of construction are estimated on a per square foot or cubic foot basis. Usually no attempt is made to estimate the actual cost of construction materials.

The value of the land is determined by doing a market sales analysis and learning the price of comparable lots.

Driveway and landscaping costs can be determined by the firms that specialize in these areas..

After appraising several properties you will soon have a good perspective on building costs in your area. You can then make comparisons using the info. you've gathered. However this is the least reliable way of determining value specially when it comes to older properties.

APPRAISAL METHOD THREE (Net Income Approach)

This method is used for appraising three units and up. In simple terms this approach says that the value of a property is a function of the net operating income.

The net operating income is the money that you would be able to spend if you owned the property free and clear of any mortgage or debt.

If rents increase or expenses go down the net income goes up and so does the value of the property. This is true no matter what the indicated value of the property.

If the property does not generate enough income to pay for the mortgage with a little left over for spendable cash and a positive cash flow then your option is not to buy.

I use this method when I buy investment properties that I intend to keep for an extended length of time. It works for me as a buyer but as a seller I use methods one and two.

Pre Foreclosures

First of all let me tell you what a pre foreclosure is. A pre foreclosure is the period of time during the foreclosure process between when the lender files a foreclosure lawsuit or a notice of default in the official public records and the date the property is scheduled to be sold at a public auction or trustee's sale.

The reason to consider purchasing pre foreclosures is that they supply a steady source of flexible and motivated sellers in the form of property owners that lenders have publicly declared in default. These owners face losing their properties when put on public auction via foreclosure.

Buying properties from the owners during the pre foreclosure sale period is an excellent opportunity for the investor to make large profits. Finding the sellers however, takes research and a good place to start is at the county courthouse. When a foreclosure is filed it will be assigned a case number. When you learn the case number you can obtain the file at the courthouse. The file will give you the names of the plaintiff (lender) and the defendant (borrower). You will also be able to get such information as the plaintiffs attorney, a legal description of the property, the amount of the original loan, the date of said loan, the monthly payment including the date of the last payment made and the balance owed. The records will also show any additional liens on the property.

When you've done your research and have all the information at your finger tips it's time to contact the owner, look at the property and structure a profitable deal. If you leave a card or a letter at the property address you might start it out something like this; "I invest in the properties located in this neighborhood and while checking the public records I noticed a foreclosure action against your property so I thought you might be interested in selling to resolve the problem. I try to structure deals that will remove your unfortunate situation and give you the opportunity to move on with your life. If this is the case, I've inclosed my business card, so please call me and together we can turn this into a win/win proposition."

It would be unethical for the lender to give the name or names of any individual in the rear on their payments until foreclosure action has been started. By passing out brochures flyers, and business cards to all the surrounding neighbors and leaving messages for the owner to call, usually gets results. You can approach the manager of a local loan department and ask him to let anyone who is in default or has asked for forbearance know that you can offer the help that they need. Give the manager several of your business cards to pass out to these people. Word gets around when properly spread.

Property appearance can be a dead give away to pre foreclosure prospects. People that are about to lose their homes don't care about maintenance or how their yard looks. These people are both motivated and flexible and easy to deal with.

Other ways to locate pre foreclosures, investment clubs, apartment associations, You might even find an expanded service in your market place that for a fee will give you just what you're looking for.

There are a lot of investors that work primarily on foreclosures. To eliminate the competition you want to be right up front as soon as the foreclosure suit is filed. Don't be surprised if the owner looks upon you as someone trying to take advantage of their financial situation.

If you haven't already talked to the owner greet them by saying something like this; "Hi, I'm ___ _____, I may be interested in buying your home, Do you think it would be possible for us to talk about my making an offer? Do you mind if we sit down someplace and talk about it? If the owner invites you in ask them if they'd mind showing you around the place. Before they have a chance to ask you what your offer is come right out and ask them what the lowest price is that they would consider. Make a definite appointment with the owner and ask as you are leaving if the figure they gave you is the lowest they feel they could possibly go.

 

Finding the owner if the property is vacant can sometimes be difficult. There are a number of ways that you can go about doing this; you already have their names from the public records so try calling directory assistance for their number. You can put a stamped envelope with a letter in their mail box and put a duplicate (without a stamp) under the front door, through a window, or inside the screen door. More than likely they'll return to pick up mail and check through the house. Another way is to get a forwarding request from the post office asking for their return address. You could call other people with the same last name. Find the attorneys name on the foreclosure suit, call him/her and ask for their name and address. Utility companies might have their billing address. If the property is occupied by a tenant renter The renter can tell you how to contact the owner. If the property is rented through a management company, the management company will know how to contact the owner.

If the absentee lives out of town then it's almost a certainty that you've found a motivated seller. Most likely the owners unaware of the run down condition of the property and because of their financial position they are unable to travel and visually inspect their property. If this is the case then the first contact with the owner should be made by a phone call then a follow up with a letter including a picture of the property to show its run down condition.

As we continue on with this lesson I want to make you completely aware of the great potential found in buying pre foreclosures at this present time. First of all lenders are making it to easy for buyers to get loans with their predatory lending practices and their lax lending policies. It all boils down to the fact that to many people are buying homes that they can't afford and so unfortunately they end up losing them by default. Sad but true, the number of homes that are foreclosed on have rapidly increased every year for the past twenty years. To many homeowners find themselves drowning in debt and subsequently live on borrowed money. Do you get the picture? Yes! It's plain to see that a smart investor can easily make millions by keeping well informed and avoiding the risks. It's not unethical nor is it something an investor should be ashamed of as a matter of fact the foreclosure investor offers much needed relief to thousands of distressed home owners each year.

As I suggested earlier, when properties are about to go into foreclosure more then likely they are run down. So when preparing to make an offer it's important to make a personal inspection to determine just how distressed the property is.

Check the outside for evidence of termites, dry rot, cracked or settling foundations, discolored roof sections and sections of the roof that may need replacing, check the chimney for loose bricks and mortar, check the grass on top of a septic tank. On the inside check for water stains, cracks in walls and baseboards, leaks around window and door frames, the windows, Check the toilets, the water faucets and the water pressure. Make an estimate of what repairs and cleanup will cost an deduct it from your final offer.

Title Companies play a very important role in your investments. The obvious routine tasks of these companies are closing transactions, handling escrows, do title searches, and providing insurance. Since it's vital that you are aware of all liens and judgments before you purchase a property the title companies service is indispensable.

.It takes knowledge and persistence to be a successful pre foreclosure investor. It doesn't take a law degree or a super high IQ but I promise you it takes a lot of hard work. T.V. gurus will tell you that if you are willing to put in five hours a week you'll reach your goals and find financial freedom. Believe me that's "Bull Crap"! Anything in this life worth having takes sacrifice and a lot of hours of hard work. As a pre foreclosure investor you first have to find the motivated and flexible sellers then there is a lot of research and property inspecting. Now you have to negotiate, buy and sell the properties and if you are knowledgeable, organized, and have that good old fashion stick-to-itiveness you'll be able to find wealth in a very competitive business. Like I said before, you don't have to be a master mind or a super mathematician but you do have to be willing to put forth the effort.

Speed and coordination are the main ingredients needed to make profits on real estate during the pre foreclosure period. Talking to the homeowner early in the pre foreclosure stage and coordinating all the information that you've gathered from the lender, the lien holders, the title company and your own analysis you can determine whether to buy quickly or move on.

To determine if there is a late payment problem just look at the property and its rundown condition. Check and see if there is a fore closure action or a published notice of default. Use any or all of the methods that I've out lined in this lesson.

Let's review what we've covered so far;

(1) Make initial contact with the homeowner. Absentee owners can be located by sending letters or with the help of the neighbors, telephone directory service or the attorney for the lender.

(2)After making contact with the owner and you have received some encouragement in terms of buying his property, analyze the property, the neighborhood, the fair market rent value, it's resale value and the cost of repairs.

(3) Seek assistance of the title company.

(4) Talk to foreclosure lender and all lien holders to determine what discounts are available. Seek to option mortgages which can be purchased at a discount.

(5) Work out all the details with the property owner.

(6) Make sure that if you can't discount the mortgage being foreclosed that you can at least take it over with favorable terms and with the right of assumption for subsequent purchaser.

(7) Contact the title company to issue title insurance and handle closing.

(8) Record the deed and other property insurance

How to maximize your benefits by using the internet.

The world of technology is growing in leaps and bounds. We as investors can keep up with this growth by taking advantage of all the new resources made available to us by the rapid growth of technology. Advances have been swift and almost everything the consumers use is getting better and better with each passing day.

For example: Computer technology has opened the doors to a new way living. The Internet has given us access to the whole wide world. Nowhere is the power of the Internet more effective then in the real estate market. Real estate has been the fore runner to commercializing the Internet over the past 10 or 15 years. So in this lesson we're going to learn how the internet can make it easier and quicker to realize our dreams and reach financial freedom.

If you don't have computers then go out and get one. It's a small investment to make for all the huge benefits you'll get.

You can access property listings nationwide as well as in your own back yard. You'll be able to find bank owned, distressed and foreclosure properties. You'll be able to research mortgage rates, locate appraisers, insurance agents, inspectors, title companies, local investment clubs and real estate associations. You'll have round the clock access to all the information needed to buy, sell, rent or lease properties. The internet can give you access to tools that will find motivated sellers and tenant buyers. You'll be able to find out all there is to know about the market place, what market rents and home values are and that's just the beginning.

Straight from the Desk of Big Daddy Cash

Many of you are holding yourself back because you feel you don't have the money to buy real estate investments. Maybe you're not in the exact financial position you want to be in. However, you must realize that most people aren't in the most desired financial position when start out.. Many people have turned to Real Estate, because it's the ultimate leverage to earn bundles of cash without having to tie up any of their own credit. When you learn a few of the techniques, then you simply work to develop a system to repeat the process. Start slow and work your way to success a step at a time. To be successful, you must have a complete attitude change. You don't have to get all of Tony Robbins tapes you just have to change your way of thinking. Instead of thinking I don't have the money, think dam it I do, I've got more money than Carters got pills, then go out and get the job done. Money or Lack of Money is not your problem for not doing deals. As someone once told me, "If you can't do deals without money, then you can't do deals when you have money." I want you to see that lack of money is not a good reason, lack of knowledge, ambition or desire, but not lack of money. There are so many people out there that will deed their house over to you today without one red cent! As a matter of fact, some would even pay you to take over their house payments. The key is to realize that money is all around you if you've got deals in the works. If you've got a solid deal, then you can always come up with the money. But don't let lack of money be your excuse for not actively and aggressively pursuing more deals. By using Cashes Secret to Success you'll discover new ways and proven ways to generating wealth without credit checks, and the only way you'll use the bank will be to deposit more and more money. Pay close attention to Cash as he reveals his secrets on how to acquire real estate without using your own credit, without going to the bank, and without begging anyone for a loan. Believe me Cashes Secrets work. They'll work even if you have the worst credit on earth... Never worry about appreciation again because these methods are so brain dead simple anyone can do them. Many of my students have broadened their knowledge with the valuable material found within the pages of this book. Unfortunately only a few know how to put that knowledge to work. Learning is one thing applying is another. I've opened the door for you that will take you in the room where all the keys to success can be found. The following is a 90 day OJT course that I've put together that will guide and direct you to your ultimate dreams. Now get off your keester and go to work.

?       Big Daddy Cash

 

 

 

?       On The Job Training ... How do I get started?

This morning one of my students called me and this is how the conversation went;

CASH: Hello, This is Cash.

JEFF: Hi Cash, This is Jeff B. I know you work nights, hope I didn't wake you up.

CASH: No, I'm just sitting here at my computer checking my email. What can I do for you?

JEFF: I have a few questions that I'd like to ask. By the way how are you feeling?

CASH: Well Jeff, I'm slightly disfigured but I'm still in the race. Was that your first question?

JEFF: Ha Ha..., No! I want you to know I think your lessons are great. I just finished your last one. It's got me all motivated and ready to go. That's one of the reasons I called.

CASH: Thanks Jeff. Have you done all the assignments I gave you?

JEFF: Yes! Now I want to get out and get some on the job training. 

CASH: That's OK with me Jeff, I'm glad you're ready to take action.

JEFF: I'm ready to do whatever it takes. Problem is, I just don't know where to start.

CASH: Well Jeff, I know you're excited and anxious to start and I really want to help you, if you let me, but you'll have to do it my way. What do you say?.

JEFF: I want to make contact with a motivated seller and buy my first house right away.

CASH: That's fine Jeff, as you know some of my students have gone out and bought properties after finishing just the first three lessons.

JEFF: I know and that's what I want to do.

CASH: OK Jeff, I'm going to let you in on one of my secrets that I've yet to reveal. Please don't interrupt me and listen carefully to what I have to say. I've watched real estate investors come and go and I've noticed that the ones the buy properties before they've had a chance to get their feet wet are usually the ones that get burn out before deal number three.

JEFF: But!

CASH: Wait a minute Jeff, I asked you not to interrupt me. I'll give you a chance for a rebuttal after I'm through. What I'm telling you is not a fact, it's just an observation. I'm proud of my students that have already made purchases. However, I've already spoken to them and told them the same thing that I'm telling you. I know a lot of people that would have gone a long, long way, if they just would have slowed down and taken it a step at a time. I don't mean to burst your bubble but that's the honest to God truth. Now I'll ask you again if you still want my help and if the answer is YES we'll do it my way!!

JEFF: "WOW", now I don't know what to say.

CASH: Just give me a simple yes or no.

JEFF: Mmmmmmm......YES

CASH: OK Jeff, give me a little time to set up a game plan that will make you a success. What I want you to do today is go to your local business supply store and purchase these forms, The Sellers Information Form, The Property Analysis Form, The Property Inspection Report, The Cash Flow Form, The Property Rehabilitation Analysis, The Market Sales Form, and The Lease Option Purchase Agreement. Call me later this afternoon and we'll get you started tomorrow morning.

JEFF: Alright Cash, what time should I call?

CASH: Make it after four and before five, Bye Now

JEFF: Bye-Bye

I intend to follow this through all the way. This afternoon when Jeff calls I'll record the conversation and add it to this page.

Update; Jeff called back at 430PM

CASH: Hello, Cash speaking.

JEFF: Hi Cash, This is Jeff...How was your day?

CASH: My day was fine and how was yours?

JEFF: I spent all day studying and reviewing all of your lessons. You're right about repetition; I picked up on a lot of stuff that didn't sink in on prior reviews.

CASH: Glad to hear that Jeff. Are you ready to get started on your new career? I've got the plan of attack all ready for you.

JEFF: You bet your life! Hardly anything else has been on my mind all day.

CASH: O K, Beginning is winning so let's begin. I've set up a game plan and I'll show you the way. Pounding the beat is all up to you. Let's go to work!

I'm going to break away from the phone conversation, at least long enough to explain the step by step program that I've set up for Jeff. I've designed an on the job training program that will take a little over two months to complete. Primarily I'm doing this for Jeff; however this program will help any new real estate investor to get started on the right foot. I intend to use this mini course to help all my students get started by using the right tools of the trade.

After the first conversation when Jeff asked for my help, the idea struck me that something like this could be the incentive to motivate my students and start the ball rolling. By the way, Jeff has given me his permission to use the phone conversations in any way I see fit.

Back to the phone conversation.

JEFF: I'm listening!

CASH: The first thing I want you to do tomorrow morning is review your goals. Commit them to paper and make sure you have them with you when you leave home.

This is what I want you to do your first day on the job. Go through the yellow pages and find three title insurance companies. I want you to visit each one of these companies. Find out all that you can about their business and how they operate. Make sure you have a note book with you so you can take notes. Meet the people that work there. Jot down their names and make sure they have your name. Let them know that you're a beginning investor and that you can use all the help you can get. Title companies play a big role in your business so this is a very important first step. Do you have any questions?

JEFF: Can you suggest some title companies I can go to?

CASH: I've dealt with several different title companies but I'd rather you do the research for now. When it's time for you to pick the title company to use in your dealings and you find it hard to make a choice then I will make a few suggestions. Is that O K with you?

JEFF: Sure !

CASH: When you've accomplished this you've taken your first step. When you get home I want you to review your goals again. Ask yourself if what you did today will help you achieve your goals. Call me tomorrow evening and let me know how your day went.

JEFF: I'll give it my best shot.

CASH: Good, I'll be waiting to hear from you. Good Bye!

Jeff called me the next evening and he was bursting with enthusiasm. He had to elaborate on the vast amount of information he was able to obtain with hardly any effort. He learned about title searches and how the investigations were handled. He was able to study different types of contracts, see how escrow works, and find out about title insurance and deeds.

He said that everybody he met was willing to help him in one way or another. He said the people he met were all nice and receptive and greeted him with smiles and open arms. He said, "Cash I clicked with two of the people I met and I'm pretty sure that we'll become close friends." According to him the whole day was incredible.

The last part of his last call to me....

JEFF: Cash, all three of the places that I choose to visit were great but the one that I'll be taking most of my business to is the one where I met Sally and Jim two on first sight friends.

CASH: Jeff, I'm really glad that your first step was a success. And if you want my opinion making friends is better than making money. Good friends will always stand by you.

JEFF: You can say that again! Oh Cash, you won't believe this; I also found two neighborhoods that I want to farm. All mid range homes in nice areas, with about 500 properties in each. Sally told me what kind of properties were selling best and that both the neighborhoods I picked were in real hot marketplaces.

CASH: "WOW" You really had a successful day. I want you to spend the next two days revisiting all three of those title companies. Learn all that you can and make yourself visible. Keep reviewing your goals every morning and every evening. I also want you to reread all of the lessons I've sent you. I want you to start reading the real estate classified ads in the morning before you leave home. Just read them and see if you can pick out the flexible and motivated sellers. Highlight all the ones that you pick out and save them don't try to call them. I'll tell you why later.

Jeff ended up working the rest of the week at these three title companies.. (1) The Wasatch Title Insurance Agency in Holiday, Utah. (2) Executive Title in South Jordan, Utah. And (3) Meridian Title, in West Valley, Utah. These companies gave Jeff valuable information that will give him a head start in his new business, investing in real estate. The title company that Jeff selected to do business with was Wasatch Title the company where his special new friends work, Jim and Sally.

The second step, in week number two and three, I had Jeff visit the Salt Lake County Court House on 21 south and State St., the West Valley City Court House and the Court house in West Jordan. These three court houses are associated with the market places where Jeff picked the neighborhoods he wanted to focus on when he started farming.

I instructed Jeff to visit all the offices in these court houses that had any connection with real estate. For example, The Recorders Office, the Tax Assessors Office, and the office that handles foreclosures. I told him to introduce himself in the same manner he used when he visited the title companies and to write down all the names and telephone numbers of the people he meets that work in these offices. I want him to make himself known and make friends with as many people as he can. Jeff will add many tools to his tool box that come from these visits.

At some time at the first part of the third week I want Jeff to order business cards and flyers that he can pass out when he starts farming, this is a must. Depending on the printing company he uses this usually takes three to five days. Vista Print on the internet can get out a rush order sooner if you pay extra.

Now it's time to run ads in all the local newspapers and the free ad papers given away at markets, gas stations and restaurants. Simple ads will do fine. You want to make yourself known and at the same time find flexible buyers and sellers. If you need help with the script please call me. Usually when you place an ad if you let them know what it is for they'll help you.

Part of today's conversation with Jeff......

CASH: Well, Jeff, we've come to the end of your first month of On the Job Training. Remember to review your goals daily. Spend at least ½ hr. each morning reading the ads in the real estate classified section of the news paper, highlight the ones you feel are the most flexible but don't make any calls just yet.

?       JEFF: Why don't you want me to call on these ads???

CASH: Have patience my friend. This is another one of my secrets I've yet to reveal.

JEFF: Geeze Cash, why keep me in suspense?

CASH: Sorry Jeff! There's one more thing that I'd like you to do before we start on the second month. I'd like you to start meeting other investors that work in and around your area.

JEFF: How do I do this?

CASH: You can use your contacts at the title companies and the court houses. Another important source of information is the Utah Apartment Association.

JEFF: Why is it necessary for me to meet other investors?

CASH: If you know other investors that have properties they rent or lease in or around your marketplace you'll be able to tap in to critical information that will help you in making decisions before you invest.

JEFF: That makes sense. How do I get in touch with the apartment association?

CASH: That's easy Jeff. Here's their phone number (801) 506-0204 you can call them on week days between 8:30 and 5:30. I strongly recommend that you join. By using the services that they provide you can save lots of money.

JEFF: I really appreciate all the help that you're willing to give me.

CASH: Thanks, watching you succeed is achieving one of my goals. When everything is done up to this point you will have finished your first month of On the Job Training. Congratulations.

?       The Second Month of On the Job Training

It's very important that you keep reviewing your goals on a day to day basis. Update your daily goals as your perspective changes. Keep a diary or a log on your daily progress. Learn to take notes on the things that you want and need to remember. Good things don't just happen, you have to make them happen. Learn from your mistakes and failures don't let them discourage you. Make a strong commitment to succeed and in due process you will.

I talked to Jeff this morning and he assured me that everything that I outlined for his first month O.J.T. had been accomplished and that he was more than confidant that they were the steps that would help him achieve his long term goal. Starting out on your second month of O.J.T. (On the Job Training) you're going to farm the neighborhoods where you have chosen to make your investments. Here's a part of my first conversation with Jeff starting out the second month......

JEFF: I worked harder last month then I ever worked but you can believe me when I tell you that I enjoyed every minute.

CASH: I never promised you that it wouldn't be hard work but rests assure the rewards will be great.

JEFF: What have you got outlined for me to do starting this month?

CASH: Fill your gas tank up and make sure you have a comfortable pair of walking shoes; you're ready to start farming.

JEFF: I hoped that was coming up and I'm already prepared.

CASH: Good, I want you to drive through each of the neighborhoods that you have selected at least twice today. Observe all that you can and be sure and take notes. Each time that you drive through stop your car, get out and take a walk around a block or two. Look for people that are taking a walk, out in their front yards, or sitting on their front porch. Introduce yourself; let them know what you do, and start a casual conversation with them. I want you to have as many acquaintances as possible in each marketing area. Be sure and take notes, you want the name and addresses of your new friends.

JEFF: That doesn't sound too difficult.

CASH: It isn't, you'll probably find it fun. Don't worry about looking at any properties or making any offers today. Just get to know your market place and meet a few people.

JEFF: I'm anxious to get started.

CASH: O.K., I'll let you go now. Don't forget to read the newspaper ads and pick out the good ones, do it sometime today.

Meeting new people and making friends is a good habit to get into, It's good for business and it's good for your social life. Now that I've got Jeff out working I'll continue outlining this month's schedule.

It's very important to know your market place and getting to know the people that live there can be a good source of information. So I'm going to have Jeff continue what he's doing today for the next two days, total of three days.

When he's completed this task it's time to start looking at properties and making offers. I place a lot of importance on goals, all the rich people I know set goals all the time. So when you know what your investment goals are, knowing what kind of properties to purchase becomes critical. I advise you not to buy vacant land unless it's part of a negotiation in which case you should use it in future negotiations. My advice for the new investor is to buy three bedroom homes, there easier to flip, there easier to rent or lease for long terms, and there easier to make available on option purchase. I personally like to deal in multi unit dwellings because it allows me to gain maximum leverage with my time. Jeff has made it a point that he wants to deal primarily in option purchases and option sales. Land lording is not for him.

Finding the right property for Jeff means finding a motivated seller who is willing to be flexible, it's not really that hard there are lots of them out there. Go to my lesson about Motivated Sellers and review the whole lesson. A large part of Jeff's success investing in real estate is going to be his ability to find flexible sellers. Between 18% and 20% exist in any market place.

My conversation with Jeff as I line up his second and third coming weeks..........

JEFF: It has been a real interesting week. I've explored every nick and cranny in my market place. I've made several friends in both of my neighborhoods. I found out the some people are nice and others are not so nice. One lady told me that if I didn't get out of her sight she'd sic her dogs on me. Another called me an unmentionable and told me he never talks to strangers.

CASH: I hope your experiences didn't discourage you.

JEFF: They didn't the good out ways the bad.

CASH: I'm glad to hear that! I know I demand a lot from you but on the other hand you expect a lot out of yourself.

JEFF: I guess you're right but I'm more eager now then I've ever been. I want you to be one of the first to know. Last night I asked Sally to marry me and she said yes.

CASH: I thought there was something going on between the two of you. I'm really happy for you and let me be one of the first to congratulate you.

JEFF: Thanks! So what have you got scheduled for me. By the way Sally's going to tag along with me tomorrow. Is that all right with you?

CASH: It is, but I don't think it would make any difference. Were you able to get the names and addresses of your new friends in your market place?

JEFF: I sure did!

CASH: I want you to go buy thank you cards to send to them. Let them know how pleased you were to meet them and how talking with them was a pleasure. Tell them that you're willing to pay them $100 dollars for any leads that they give you that ultimately end up in purchasing the property. Make sure you word it right...you'll pay them only if you buy.

Now take Sally for a drive through your farming areas and stop and look at several properties. If you run into an obviously motivated seller make an offer using strategy #1 that was taught in my lesson on Motivated Sellers and Hungry Buyers. Review that lesson tonight.

Now take the rest of the week off and spend some quality time with Sally.

I've got to go now, talk to you next week.

The next few weeks of this will be spent developing your skill in your chosen trade. First we're going to start by working on the phone. As your teacher and mentor I can guide and direct you on how to buy real estate with little or none of your own money however professionalism on the phone is an art of its own and can only be learned by making lots and lots of phone calls. Review my lesson on phone calls.

 

       O.J.T. Continues with Jeff's call for further instructions;

 

JEFF: Hi Cash ! This is Jeff; I'm calling to see what you've got lined up for me to do this week.

 

 CASH: I'm glad you called early because I've got a real busy day ahead of me. How was your weekend with Sally?

JEFF: We had a real great time. I like the way you put it..."Quality Time". Thanks!

 

 CASH: I'm glad, that pleases me. Now if you don't mind we'll get right down to business. Like I said, I have a real busy day. First I want you to set up a time each day to make at least ten phone calls using the real estate classified ads that you've been saving. I want you to keep surfing the ads, highlighting the most flexible. You should spend at least ½ hour surfing the ads and however long it takes to make the phone calls. Save the new ads and use and use the ads that you've been saving.

 

JEFF: You said you'd reveal one of your secrets. Is this it?

 

CASH: Yes! This is something I stumbled on quite by mistake. I've found that by using ads that are a month or two old you eliminate most of the traditional sellers thus making the motivated and flexible sellers easier to find. It works for me; I hope it works for you.

JEFF: Sounds reasonable to me, when you think about it makes a lot of sense.

 

CASH: Now Jeff, you're going to play the numbers game.. For every 20 calls that you make you'll probably talk with an average of 10 sellers. The rest of your calls will get you answering machines, wrong numbers, real estate agents or property managers. Out of the 10 that you talk to only two or three may qualify. What you want to do now is sort out the non-qualifying sellers quickly leaving you the potentially motivated sellers that you can spend more time with later.

JEFF: What questions should I ask the seller?

CASH: I suggest that you ask the qualifying questions first. If the seller passes then you can spend more time with them. It should only take you one or two minutes to qualify the seller. Right up front ask the seller if they would consider selling their property on a rent to own or a long term lease option if you were to guarantee that their house payments would be paid on time each month? Ask if they need cash at closing? How much? If I could come up with the cash in a week what's the lowest price you would consider? I like to buy nice houses in nice areas. Do you consider your house a nice house in a nice area?

JEFF: Wait a minute? How am I going to come up with that kind of cash?

 

CASH: You've just made the seller think that you have a lot of cash even though you do not. This helps to motivate the seller even that much more.

JEFF: After I've qualified the sellers what additional questions should I ask?

CASH: Here are the questions that I want you to ask the seller. Work them casually into the conversation. Give your name then ask for the sellers name......"May I please ask you for your first name." Please tell me about the property that you are selling.... The Sq. Footage....The lot size ... Does it have a garage...How many rooms and baths...Is there any furniture or appliances included? What is the asking price and how did you arrive at that price? What kind of financing do you have and who is your lender? Is the loan assumable? Are you willing to assist in the financing? Are there any renters in your area and would you happen to know what they're paying for rent? I want you to record each conversation on the Seller Information Form. File under the heading," Follow Up Call Needed."

JEFF: Wow! That sure seems like a lot to do in one day.

 

CASH: Oh come on! It should only take you a half day. When you get through with lunch I want you to go out and farm one of your neighborhoods, look at some properties and make another offer or two. Continue this for the rest of the week.

____________________________________________________

Jeff has decided that options are going to be his cup of tea. However, before he sets up a lease option, does a contract for deed, or buys a property that is nearing foreclosure, he'll want to have a preliminary title search done. The title search will reveal all the previous recorded documents that affect the property. Jeff has already selected the title company that he wants to use in his dealings and they can get him copies of all the documents recorded in the public records. What would be a little difficult for him, would be real easy for the title co., because they have employees that work in the courthouse every day. Of course there would be a nominal fee but for the time and work involved it will be worth it.

Now I'm going to let you in on a little more information and add to your knowledge. You've made your first steps but you still have a lot to learn.

To educate you and broaden your knowledge let me show you the way to a rewarding and highly profitable experience. You can create wealth out of thin air and I'll try to teach you how it's done. As you know, real estate gives you current cash flow income. It also gives you income tax benefits, a steady growth of your assets, leverage and instant equity.

Because real estate is absolutely unique as an investment in providing a wide variety of wealth building benefits, it is literally possible to "Create wealth out of thin air."

If you follow 100 people from the day they start working until the day they retire, this is what you'll find: One will become a millionaire...four will become financially secure...five will still be working just to survive...thirty-six will be dead....and fifty-four will be dead broke.... It all boils down to this. Five % will prosper and ninety-five % will not. Where do you fit in?
Most people are consciously aware that at some point in time they are not going to be able to physically continue to work.. So to maintain their present life style after retirement they have to prepare for it. Unfortunately not many of the preparations that people try to make for retirement work.

It's my opinion that real estate is the only sure fire method that works. Real estate has gone up in value consistently over the years, as a matter of fact, there has seldom been a year when it has not gone up. This constant appreciation has created fortunes for many investors

My last purchase of real estate was a Sandy home with a market value of $119.000. I bought this home with no money down using technique number 1... No money down doesn't mean that the seller does not get cash, It just means that the cash doesn't have to come out of your pocket. In actuality the seller received over $10,000 at the time of closing. The property had a positive cash flow (rental income minus expenses) of $254 per month. This amounted to $3048 per year. Because the property was purchased with no money down this represents a return of infinity on my investment. Even if I had come up with the $10,000 down out of my own pocket we're looking at a return on my investment of well over 25%. Many properties will generate two, three, four and even more then this amount. Real estate offers a better potential for large cash flows than any other investment.

The tax benefits on real estate come about as a result of depreciation or cost recovery. Depreciation doesn't cost the investor one red cent yet it can provide an actual tax loss to offset other income. For example if you are able to save $1200 dollars in income taxes as a result of your investing that's $100 a month income that you can use however you wish.. That's $100 in addition to the cash flow that you already receive on your property.
Leverage more than any other investment benefit is responsible for creating the greatest amount of wealth for the real estate investor. Leverage is nothing more than using other people's money to accomplish your own objectives. Therefore you can well say that leverage is the heart and soul of everything I am teaching you.

As I've already stated, real estate offers not only better benefits than any other investment but also more of them. Not all of them are obvious to the average person. For example, there are additional income advantages that come from commissions and fees, Instant equity, and mortgage amortization. Personal satisfaction can be found in the traditional programs offered along with the pride of ownership and the control you gain all contribute to your personal fulfillment.

 

In real estate you control your investment. In the stock market and most other investments you don't.

 

The decisions that you make or fail to make will determine the success of your real estate investments. If you are a stock holder in a corporation you have no part in the decision regarding a product or the pricing of that product As the owner of an apartment building or rental home you may decide to improve the property, rent your apartments on a weekly or biweekly basis rather the monthly and you can even furnish your apartments to get added income.

 

When you invest in real estate with partners there is a opportunity to earn commissions or fees. For example if you bring together three partners to invest in real estate you may take an acquisition at the time you buy the property, a management fee for managing the property, and a selling fee at the time the property is sold.

 

When you buy property below fair market value the result will be instant equity which will enhance and increase your net worth. Before we go any further I want you to write this saying down in large easy to read letters and post it where you can see it several times each day. "Within me, I have the power to achieve my greatest desires; all I have to do is unleash it. I can do whatever I tell my mind to do. I can be whatever I want to be."

When you buy property using leverage (other people's money) you create a debt that is paid off by the income of the property. The payments are usually made monthly reducing the amount borrowed each month..Over a period of time more of the payment goes towards reducing (AMORTIZING) the loan with less going towards the interest and more towards the principal. Thus increasing your equity in the property you own. When you take over an older mortgage the larger portion of your payment goes towards the principal giving you a larger return from your property.

As you develop your skill and become more seasoned you're going to find out that the real money is made when you acquire properties not when you sale them. Of course there are things that you can do to increase the property value at the time of your sale. You can structure the sale in such a way as to safely maximize your profits.

Negotiating profits by taking property as collateral over a period of years is safe and a very attractive retirement option.

Real estate will continue to increase in value in the future perhaps not at the same rate that it has experienced historically. Rents will more than likely go up at a faster rate than they have in the past. All the trends point to creative financing as a necessity, with it there is a probability of larger and larger cash flows.

The problem today is that many people want to acquire wealth by pushing buttons. There are very few, if any, legal ways that you can become a millionaire over night. However, to become a millionaire in real estate is not that difficult if you are willing to do it a step at a time.

When ever you see darkness, there is an extraordinary opportunity for the light to burn brighter. Determining the value of a product or items would be easy if it was bought and sold in a perfect marketplace. Since there is no such place the stock market might be the closest. At any time of the day you can at least determine the price at which a stock is selling, thus letting you make a judgment whether you want to buy or sell.

Unfortunately real estate is not bought and sold that way. Many sellers ask what ever price they think their property is worth. Many buyers will pay a price in direct relation to the properties ability to satisfy their emotional needs. Because no two properties are alike, this makes real estate a uniquely imperfect market.

Knowledge of the real estate marketplace is critical, especially in terms of property value. The investor that knows and understands value is the one who will make a lot of money. As an investor keeping your emotional needs in check and concentrating on your financial needs is important. You cannot afford to fall in love with a property. Your sole concern should be how well the property under consideration fits your financial needs. Money in real estate is made when you buy, not when you sell. You can't afford to accept terms today that will be unacceptable to tomorrow's buyer. Nor can you afford to buy at a price that does not allow for a reasonable profit. Don't buy what you cannot sell.

By following the guidelines that I am teaching in this course initially you will be purchasing single family homes and other small properties like two, three and four family units. You may be competing with prospective purchasers that will be evaluating these properties with an emotional bias.. This analysis tells you that the property is selling for much more then the financial analysis is worth. That's okay, move on to the next property. When you do buy property based on it's true financial value you will make a profit.

Before using any other method to determine the value of real estate try using the common sense approach. While you are probably not a builder or an architect an you have not been trained to read blue prints at least you can visually try to spot potential problem areas. These will detract from the overall value of the property and will add to the cost of repairs and maintenance. Moreover if you learn to look for and identify suspected problems you may determine that professional services are needed for repairs and the best thing to do is move on to another property.

As long as you can walk, crawl and see make it a practice to systematically and completely inspect the interior and exterior of all the properties you consider for purchase.

Make a complete report evaluating the property and have the report with you each time you visit the property. The following is a check list that you should follow;

OUTSIDE...*Look for evidence of termites...*Dry rot...*Cracked foundations...*Discolored roof sections.

*Sections on the roof that may need replacing...*Missing mortar from chimney...*Lush green grass on top of septic tank

INSIDE...*Water stains...*Cracks in wallboards and baseboards...*Leaks around window frames...*windows.

*Flush toilets and turn on water facets to check for leaks and water pressure.

When you hire an appraiser to determine the value of property, the value will be appraised as of a certain date.. The price at which the appraiser arrives at is not cast in stone, it is merely the appraisers judgment of the value of the property. Because of all the variables involved appraisers use many different ways to determine a single estimate of value. While you may not use a professional appraiser on every piece of property that you buy, you want to become familiar with the three main methods that are used..You can actually learn to use these methods without any formal training..

APPRAISAL METHOD ONE, One way to determine the value of a piece of property is to look at the price for which similar properties in the same neighborhood have recently sold. The asking price of current properties for sale is of little use. This is someone's estimate of the value, for that matter, a lets offer it for this price and see what happens approach...

While appraisers are quite scientific in the way the compare properties that have recently sold, you can do a reasonably accurate job yourself. Find one that is similar in the same neighborhood so that you can compare, "apples to apples, you might say.

You should know the approximate square footage of each property, the age, type of construction, number of bedrooms and baths, and any extra amenities the property has, such as a double garage, air conditioning, central heat, finished basement, fencing, ECT, ECT...The size of the lot can also add or detract from the price of the property.

When appraising multi-units, such as apartment buildings, and office buildings that produce rental income you should:

* compare the selling price per apartment unit by dividing the selling price by the number of apartments.* compare the selling price by the number of square feet by dividing the selling price by the number of square feet* * * Compare the gross income multiplier, which is the selling price of the property divided by the income it generates each year. This is called the G.I.M. which I'll go into more detail as we progress.

Most of this information can be obtained through real estate brokers. T o research it yourself, public records are located in the Tax Assessors Office..

To place a value on smaller properties such as single -family and two-family homes, the market sales approach is the best and most reliable way..

APPRAISAL METHOD TWO (Reproduction cost analysis)

This method looks at the current cost of building the structure and the cost of the land,hen subtracting the wear and tear to arrive at a value.

Costs of construction is estimated on a per square foot or cubic foot basis. Usually no attempt is made to estimate the actual cost of construction materials.

The value of the land is determined by doing a market sales analysis and learning the price of comparable lots.

Driveway and landscaping costs can be determined by the firms that specialize in these areas.. After appraising several properties you will soon have a good perspective on building costs in your area. You can then make comparisons using the info you've gathered. However this is the least reliable way of determining value especially when it comes to older properties.

APPRAISAL METHOD THREE (Net Income Approach)

This method is used for appraising three units and up. In simple terms this approach says that the value of a property is a function of the net operating income.

The net operating income is the money that you would be able to spend if you owned the property free and clear of any mortgage or debt.

If rents increase or expenses go down the net income goes up and so does the value of the property. This is true no matter what the indicated value of the property.

If the property does not generate enough income to pay for the mortgage with a little left over for spendable cash and a positive cash flow then your option is not to buy.

I use this method when I buy investment properties that I intend to keep for an extended length of time. It works for me as a buyer but as a seller I use methods one and two.

Have you ever played Monopoly? The great thing about Monopoly is that you can buy little green houses and trade them in for big red hotels, and use "fake" money (money that wasn't your hard earned savings). It was fun that way. There wasn't any risk involved.

Well what if you could play Monopoly in real life? You'd use leverage (other peoples money) to buy all those little green houses and create a large enough cash flow to buy bigger and better houses. Take those bigger and better houses and trade them in for a major red hotel on Park Avenue.

The amazing thing is that you can play Monopoly in real life, I can show you exactly how to buy the little "green houses" and then move up to the major "red hotels!".

Te following is a sample copy of agreement I use when the seller has said yes to all of my terms. This contract was written by me and may not be legal in your state.

________________________________________________________________________________

OPTION LEASE/RENTAL AGREEMENT

This agreement made this ___ day of (mo.) _______ (yr.)______, is between _____________ (hereinafter called Management/Owner) and

____________________ (hereinafter called Lessee). Owner leases to Resident with an option to buy, and Lesse rents from Owner with option to buy any time within a______ year period. Residential unit is located at _________________________________ (hereafter called premises), under the following conditions:

(1) TERM: 1. The initial term of this lease shall be _____________, beginning (mo./day) ____________ (yr.) _______ and ending Noon,(mo./day) ____________ (yr.) _______.

(2) POSSESSION: 2. If there is a delay in delivery of possession by Management/Owner, rent shall be abated on a daily basis until possession is granted. If possession is not granted within seven (7) days after the beginning day of initial term, then Lessee may void this agreement and have full refund of deposit. Owner shall not be liable for damages for delay in possession.

(3) RENT: 3. Rent is payable monthly, in advance, at a rate of __________, per month, during the term of this agreement on the first day of each month by direct deposit to Management/ Owners bank account

(4) DIRECT DEPOSIT: is to be paid by direct deposit on or before the first of the month.,

(5) DISCOUNT: This is a rent to own agreement and no discount will be given for early payments .

(6) LATE RENT PAYMENT AGREEMENT: This is an agreement to make payments as scheduled or lease option will be cancelled.

(7) EVICTION: If the rent called for in paragraph 3 hereof has not been paid on or before the first day of the month tenant and

possessions will be evicted from the premises.

(8) OPTION FEE DEPOSIT: Management acknowledges receipt of _______________ dollars ($______________), as an option fee deposit on the first day of occupancy of the property and for Lesse's fulfillment of the conditions of this agreement. Option fee is non-refundable

(9) RENEWAL: It is the intent of both parties that this lease is for a period of ________Should this lease be breached by the Lessee, Resident will owe rent through the last day of occupancy.

(10) SUBLET: Lessee may sublet residence or assign this lease as long as all agreements and conditions are fulfilled.

((11) MAINTENANCE: Residence agrees to pay the first $ 200 maintenance in any one given month.

(13) HOLD OVER: Lessee shall deliver possession of residence in good order and repair to Management/Owner upon termination or expiration of this agreement.

(14) RIGHT OF ACCESS: Management shall have the right of access to residence for inspection and repair or maintenance during reasonable hours. In case of emergency, Management may enter at any time to protect life and prevent damage to the property.

(15) PROPERTY LOSS: Management shall not be liable for damage to Lessee's property for any type for any reason or cause whatsoever, except where such is due to Management's gross negligence. Lessee acknowledges that he/she is aware that he/she is responsible for obtaining any desired insurance for fire, theft, liability, etc. on personal possessions, family, and guests.

(16) PETS: Animals, birds, or pets of any kind shall not be permitted inside the residential unit at any time unless the prior written

approval of Management has been obtained.

Signed by manager / owner,_________________Signature of Lesse____________________

One of my favorite sayings is..."If it's to be, It's up to me." When you've decided what you want whether it be wealth, independence or fame, you've made the first and most important step on your journey to success.

What I want to do for you, and I will, if you let me, is stimulate your thought process and motivate your desires. Working together will find the tools along the way. Getting started is the hardest part of any job. If you have the courage to start then with the proper motivation you will have the courage to finish.

You will find that I have repeated some of the information found in the main portion of my book. I have, because some beginning investors just use the OJT 90 day course. Don't let it bother you; repetition is a process of learning. I hope the information that I have given you makes you rich and famous or at least comfortable and secure. Good luck with your new career.

                                                                   

 

 Some day when you are old and gray, sitting in front of your computer reminiscing, remember Big Daddy Cash. Remember the things I taught you, remember where they got you. Remember me!  I'm the man you met on the Highway of the Mind. I'm the guy who gave you the keys to open all the doors through which success was waiting. I gave you my thoughts and ideas to keep you company all the way to your destination. I gave you unconditional love.

Here's to your success, Big Daddy Cash

Before the publication of Highway of the Mind, I wrote a book called Lost and Found / Total Recovery. The book was written primarily for substance abuser who had a true desire to be substance free without the worry of relapses. I offered a program that would give the alcoholic and drug user’s total recovery. Using the same steps that cured me and the same steps I use in this book. My methods were so sure fire that I had a 97% success ratio. I presented the material on a website and I had people from all over the world asking for my help. Unfortunately I’m only one man and I was only able to give help to about 30 people at a time. However, over the period of the last ten years hundreds of my students have returned to a normal and productive life free of drugs and alcohol without the worry of relapse. I have received so many testimonials and success stories that I’d have to write a volume of books to list them all. Since this is the first edition of Highway of the Mind no current testimonials and success stories are available. Therefore, I’m going to take the next few pages for testimonials and a couple success stories, including my own, from Total Recovery. I selected two stories where the writer has found success not only in recovery but in all other life circumstances as well.

Put a half a dozen people together who have found success using

Total Recovery and you have at least 100 years’

Worth of experience and knowledge found in one room.

Success stories that offer hope to the hopeless.

 

What I have written here is meant to bring hope and encouragement. If reading about someone else’s recovery and or success will be an aid to you and your success, then by all means that is what I’ll do.

 

Dr. John Alan Princeton

 

My first story is about a young man who was stressed out because he was unable to pass his final exams and meet all the requirements for his chosen profession.

 

He had spent eight years of his life in college and his grades were satisfactory even exceptional at times. Like most young men in college he wanted to be accepted by his peers and enjoy the fun and excitement found in the college environment. The booze, the girls and the parties became a regular routine in his social life and at times took precedence over everything else.

 

He found that alcohol was a great way to relieve his anxieties and get rid of his inhibitions. As academic pressures grew so did his use of alcohol. By the middle of his eighth year in college alcohol and other drugs became a controlling factor in his life.

 

This lads name is John and he has given me permission to use his name. After failing his finals for the third time John threw the towel in and quit trying. Gradually his friends who had encouraged him to drink and drug in the first place started to abandon him. John kept slipping into a nightmare, the place I call the Gray World. When he finally reached bottom he decided it was time for help. He tried one rehabilitation program after another. Nothing worked! Since nothing was working and since he was always miserable and depressed he made up his mind to take the easy way out. Suicide!

 

I found John in the emergency room at the VA hospital. His suicide attempt had failed and he was angry at the whole world for not allowing him to die. His hopes and dreams were dead, so why not his body!

 

I sat with John for several hours as the doctors and nurses fought to save his life. My only thought was, “This poor soul needed my help desperately.” When John recovered enough so that he could carry on an intelligent conversation we started to talk. I seen a small spark of hope in his eyes that told me he still wanted to achieve his goals and live the life of his dreams. As we talked, I started to introduce positive subliminal thoughts into his subconscious mind. I wanted to encourage him to ask for my help.

 

After a long period of communication, covering John’s life from the beginning until the present time, I started to break through the defenses he had set up. Finally he asked for my help. In no uncertain terms he wanted to get well. This was the beginning. John was ready to be reborn.

 

John read my book, not just once, several times. He followed my easy formula for success and he uses the simple steps that I outline for recovery on a daily basis. John has recovered simply by changing his way of thinking. He did it by himself with just a little bit of my help.

 

Dr. John Alan Princeton is my first real success story.

 

 

 

Bill Phillips

 

My next success story is about a close friend of mine but before I tell you his story I'd like you to read the tribute he sent me. His tribute and others like it give my life meaning.

 

A Tribute To My Best Friend Cash Neve,

 

I remember when I was locked in the world of anxiety and fear. It was a roughest and most hopeless time of my life. . Relationships failed and I was slowly losing the respect and trust which were the foundation of my existence. Nothing was working and over indulgence was killing me. . The meticulous grind of day to day living was dragging me down, almost as far as I could go. It was like my insides were on the outside ready to explode. The slightest addition of stress often tipped the balance, and I'd explode. I never really let my emotion show on the outside it was always hidden deep inside me. The world hasn't seemed to change much, but with the help of God and a true desire to get back on track, I have. In fact, I'm more functional, resilient, and successful then I ever was. I owe this all to Big Daddy Cash and his book Total Recovery.

 

Bill Phillips

 

Bill was a struggling author of rhymes and poems. He was critic to many of my poems and short stories. His influence and encouragement gave me the desire to write what I write. He once told me that I needed to draw on my relationships with family and friends to create my poems. He said this is where you will get the right feelings to touch another heart with insight and your reader will discover a glimmer of themselves in your poems and short stories. Bill gave me something that I'll never forget and I am thankful that when he needed my help I was there.

Bill came from a family of heavy drinkers and drug users. His father was a dedicated alcoholic and his mother sold drugs to provide for the families needs. He had six brothers and sisters who were all users and abusers. So unfortunately Bill fell right into the alcohol trap. Since he was a deep thinker he used drinking to relieve anxiety and feelings of depression. His subconscious mind was a dumpster for all kinds of bad feelings so naturally most of his decisions were bad.

I've notice that most people with God given talents are eccentric and often have emotion explosions. Bill was no exception. He had a temper that would detonate on the drop of a pin. Bill was one of my lucky students because he didn’t sink to rock bottom before he sought help. He realized he had a problem and asked me if I could help. He has learned to control his temper, he has quit his drinking, and he has found success and fame in his writing activities.

 

My Story "Total Recovery"

 

This is my story and I’ll do my best not to make it sound like an AA testimony. If you have read my book Lost and Found (The Story of My Life) you will find that what I’m writing here is a completely different version. When I wrote Lost and Found it was my first attempt to write a short story and besides that my mind was still foggy from alcohol and drug abuse. The book was poorly written and somewhat misleading and too much detail was spent on each issue or life events. This time around I’ll stick to the facts and get right to the point. I’ll try to make the story flow smoothly but I’m going to tell it in the form of a profile.

I was born and raised in Salt lake City, Utah. Spent six years in the Navy. When discharged I returned to Salt Lake. I lived with my parents for a few months then moved to Price, Utah to work in the mines and start a painting business. I met a beautiful young lady in Price, got married, bought a small ranch and settled down to raise a family. We had six lovely daughters and we raised them to be fine young adults. Everything was going great and I was proud of the life I provided for my family. Sometimes appearances are deceiving and at this particular time and place they were. I caught my wife with another man, left her in a violent rage, and returned to Salt Lake City. I said I’d stick to the facts and get right to the point. Well, I have just covered six chapters of Lost and Found in one paragraph.

Before I continue, I want it to be known, I skipped several life events that happened before, in between and after what I have just described. I have a good reason for doing this; I don’t want to spend time on events that had nothing to do with my slip into the Gray World (The world of drugs, alcohol and crime).

It is easy to be verbose using a thousand words where just a few well picked words will do. As I continue I somehow want to create the passion, self expression, feeling and purpose behind the direction my life took, but there is none. The intensity to turn to alcohol and drugs had no purpose. The decision was mine (The fruit of bad thinking) and my destiny was hopelessness, despair, rejection, depression and most likely a painful death.

My story continues and for the next ten years I floundered through the filth, rubbish and wretchedness that clutter the streets in the Gray World. Steeped with alcohol and turned to crime for survival my life had lost all care and meaning. I wanted to die but I didn’t have the guts to kill myself.

Suddenly one night, very close to death, stench with the smell of urine, vomit and alcohol, an angel appeared. She held out her hand and said take my hand and I’ll save you. The angel was my youngest daughter. Her intuition told her dad needed her so she searched and found me. The doctors say that if she hadn’t found me when she did I would have died.

It was an act of God, that day, which turned my life around and gave me the courage to cure myself. Through loads of research I found the steps to total recovery. From that day forward I’ve dedicated my live to those in need.

 

MY SUCCESS

 

I have two brothers, one who lives a relatively normal life and one who followed in my footsteps and became a hopeless alcoholic and drug abuser. I mention my brothers because they both were the inspiration, in one way and another, that gave me the determination to write Total Recovery and dedicate my life to helping those in need. I’m going to use their names because I don’t know of any other way to express my appreciation to both of them for what they did for me. Jimmy, my youngest brother was the one who followed in my foot steps by giving in to the temptation of drugs and alcohol. Clinton, my other brother, was always there to pick me up out of the gutter and try to set my life straight. The power of addiction is so over whelming that no matter how hard Clinton tried to save his brothers all his attempts failed. The point I want to make is that Clinton was always there at beckon call. Jimmy lost his life to addiction but I’m sure God has other plans for his eternal life. Both brothers in, a subliminal way, influenced me to free myself of the abusive nature and return to life in the real world. It was through the power of love (unconditionally) that I found my success.

 

I wrote an article many years ago right after my recovery and I think it is only apropos that I use it here;

Feb. 25, 1995

“Success, whether measured in business, family or love, is often determined by the right attitude. Unfortunately, maintaining that proper frame of mind, a positive attitude, isn't always easy. Sometimes, in spite of our best efforts, Life just seems intent on bringing us down. Inspiration, however, is rarely far away - if we are but willing to look for it. No one is ever born into Life alone. Everyone has shared the bond of family, at least at birth, and for many people it is a bond that will follow them throughout life. For many people it is the most important bond of all. No one person can ever experience all that life has to offer. It is only through sharing experiences, feelings and insights that we can hope to grow beyond our own meager lifetime.”

 

Sams Story

 

This man asked me not to reveal his true identity. He asked for my help in the year 2001 since then he has become very successful and he is alcohol free.

 

This story is about a man named Sam and his exploits on the wrong side of the fence, or tracks, which ever you prefer. Sam was a very serious drunk with one mission in life. That mission was to make his life as miserable as he possibly could. He also had a death wish but lacked the courage to inflict it in one easy blow. So he was taking the slow way using alcohol as a poison, which in most cases ends up in death. This is only one of the stories about Sam’s life on the gray side, he has many to tell.

 

I remember that day well, I woke up in the morning sicker then hell, and I had the shakes so bad that I couldn’t hold a cup in my hand without spilling its contents. This wasn’t unusual; it was almost a daily occurrence, what was different was my clean attire and the clean bed that I woke up in.

 

As I slopped cold water on my face a vague remembrance of the evening before flashed through my mind. I had met a stranger who for some reason wanted to help me get back on my feet. I felt sure I was being conned but he was buying the drinks, so I went along with whatever pleased him. I remember that he owned a night club somewhere and that he was willing to give me some kind of a job, other than that, I couldn’t remember anything else.

 

My only thought right now was that I had to get out of here and find me a drink, what the hell, most likely I’d never see this guy again, and if I did, I didn’t give a shit anyway. I headed for the door and as I reached for the knob it burst open. There was the stranger and with him two of the meanest looking characters I’d ever laid eyes on. My instincts told me that if I wanted to get out of there alive I’d better strike first and make it count, and then run like hell. I was about to strike when the stranger stepped forward and said; "morning Sam, I got a job for yaw,"

 

Job hell, I don’t want a job, I replied. "But last night you promised." Shit, you can’t believe anything I say when I’m drunk. And you heard me; I don’t want a job. Do I have to spell it out for you? "Come on Sam lets go down to the bar and have a drink while we talk this over." Holy shit, that did it, I needed a drink so bad that all caution just flew out the window. OK, I said, let’s talk!

 

This all took place about six months ago, ever since I’ve been working for John R. (not a stranger any more). The best thing about the job was that I never run out of booze. John set me up in a small suite, on the top floor of the Miles Hotel. His bar was on the main floor of the Hotel and his after hour’s club was in the basement. My job consisted of doing whatever John asked me to do, which at times became a little flaky. Every morning I was to open the bar in the hotel at 10 o’clock and stay until the day bartender got there, usually about noon. At night I just had to stick around in the club in case there was trouble and that’s when I'd go into action. John knew that I had been in Special Forces and was highly trained in martial arts; I must have been pretty mouthy the night that we met. Anyway, it was clear to me now that John wanted to have command over this deadly art of mine.

 

I really wasn’t surprised when I found out that John R. Was a big shot in the mafia? I knew that he had to be involved in the underworld because of his life style and also because he always had those two mean looking bodyguards with him. Up until now I had done a few illegal things to get my badly needed alcohol, but now I had fallen into the clutches of organized crime. You think my career, as a professional alcoholic was bad, the next year and a half as a participant in this organization was totally a night mare. Why I’m alive, to tell about it is some kind of miracle. Guns, knives, and prison have brought to a climax the lives of everyone that was involved in this family of crime; believe it or not I’m the only one left. And I was the one that was on the suicide mission. These experiences started a positive change in my attitude but it would still be a while before I’d stop wallowing in the filth of the gray world.

 

While Sam Simple was on the shady side of society his escapades seem to attract the victims of circumstance both the unintentional and the intentional. Sam was completely saturated with sin so it’s not surprising that sin would envelop his very existence. No matter where Sam turned his present life style invited trouble and turbulence. It was almost like he was constantly being tested by some invisible source. Maybe this was all prewritten and had to be lived to fulfill a prophecy. I wonder if leading this kind of life provided the tools that were needed to change what appeared to be unchangeable. Whatever the answer is, Sam was sure getting an education. His life in the gray world took him from one bad place to another sometimes even a worse place.

Sam was on a journey experiencing life from all aspects, good and bad. That would eventually give him the wisdom and the courage to return to a rewarding and socially acceptable life. Sam wasn’t ready yet to make that return. Sam was trapped in a position with the mafia that would take him two years to break The truth is; John R. really did take a liking to Sam and if it hadn’t been for this bond Sam would have been stuck in the mafia forever. Once a member, always a member, and if you tried to leave a contract was put out on you. That’s all there was to it. Like I said, it took two years, Sam finally made a deal with John R. that got him out with no fear of retaliation. I think at this point Sam really wanted to make a turnabout, but alcohol had such a hold on him he was unable to make the change. However, he did try.

 

Sam had an uncle who had made his claim to fame as an artist. Everybody called him Willy. Sam was Willies’ favorite nephew and he cared a great deal for Sam and his well being. Willy wanted his art studio completely refurbished and he wanted Sam for the job. His offer to Sam was room and board, a meager salary and a painting that Sam loved…

 

The studio was an old three story house, registered as a historical site, it had some very interesting stories of its own that dated back to the civil war. At any rate Sam accepted the offer with enthusiasm and the desire to make a new beginning. Let’s continue now, with Sam’s rendition of his life on the west side.

 

They say grown men don't cry, don't you believe it, it's a lie. I can't get drunk enough or hard enough to squelch the tears for what I've lost and long for. Sometime I sit in the dark clutching my bottle, hugging my dog and cry for hours and if you think that makes me less of a man I'll kick the shit right out of ya.

 

There's a song called Lonesome Love Songs, that I play over and over and each time I almost drown in the tears. It goes something like this; I've heard some lonesome love songs and they always make me cry but the saddest words I ever heard were when you said goodbye. A bell that is broken cannot ring, a bird with no song cannot sing. I said it didn't matter but I told you a lie, cause the saddest words I ever heard was when you said goodbye.

 

How could I go on without my Lily and my little sweethearts? Oh God, I miss them so terribly much, what am I to do? I don't want to go on alone, OH GOD help me, please.

The weather outside is really bad. They say on the news that this is probably the worst snowstorm Utah has ever seen and I believe it. Cars are completely covered under a blanket of snow and the snow along the sides of the sidewalks is well over the heads of the people using them, and it just keeps coming down. How am I going to get to the liquor store? I know! I'll call Dana. Who's Dana? Dana is a gal I met awhile back that will do anything I ask, unfortunately she loves me. Hello Dana, I need your help, the liquor store closes in less than an hour and I've got the shakes and need a drink bad. Please can you help? "Sure Hon, I can leave work for a bit, see you in a few." Oh boy, am I ever lucky, Dana never lets me down. Too bad I can't see her in the same light that she sees me.

 

Now that I've got my bottle coming, I can calm down a little and get on with my story. I moved out of the Miles Hotel a few weeks back and moved into this big old house that I plan to remodel. The place belonged to my uncle, who by the way had been looking for me for a long time. He used the place to show his paintings, he wanted it remodeled from the ground up and he wanted me to do it. Hell, it was an opportunity for me to make a brand new start, so I jumped at the chance.

 

I could see right off the bat that this remodel job was going to take a long time so I decided to turn a small area on the third floor into my living quarters. I turned a large walk-in closet into a small kitchenette, bought a TV, an easy chair, and a slightly used bed and I was set. What I figured would be a six-month job took over a year and a half. What a wild year and a half it was. My drinking associates (you notice I don't use the word friends, there's a reason) from the streets found out where I lived and the place turned into a party house for out casts.

 

I look back at the guy I was during my days in the gray world and what I see is what a screwed up mess I was. My way of thinking and rationalizing was, to say the least, weird and my values weren’t worth flushing down the toilet. If I needed a drink, and didn’t have the money, I didn’t think twice about rolling a drunk to get it, on the other hand if I had the money everybody drank. My strange way of thinking justified my behavior. It’s said that alcohol numbs the brain; well I sure had a numb skull. My new home became the nest for all kinds of sinful goings on. Even at my worst I was always what you would call a functional drunk. All this means is that no matter how staggering drunk I got I was able to produce.

 

I refuse to call anybody that I associated with, during my ten years of elicit living, a friend (I hope you detect the sign of bitterness when I use the word elicit). If you have noticed I always refer to them as associates or acquaintances. I had no friends. Well, with the exception maybe Dana. All others would just as soon cut my throat then look at me. To tell you the truth I didn’t give a bitching dam. Most of the time I didn’t give a bitching dam about anything.

 

There are numerous stories that I could tell about the year and a half I spent at Willies but if I did this would no longer be a short story, it would become an encyclopedia.

 

One good thing came out of the time that I spent at the Willies Art Studio. I always had a special talent for building, remodeling, painting and decorating. In spite of the fact that I was totally inebriated the whole time that I worked on Willies place, the place turned out to be a work of art. A master piece that I can honestly say was recognized and praised by some of the best architects of that time period.

 

The place became well known as Williams House of Art. Not only did it house Willies art, but the works of contemporary artists from all over the world adorned the walls of the entire three levels. This was a feat that no matter what the circumstances of the time I will always be proud of my contribution. And amazingly as it seems it led to my next domain and the next rendition of my story.

 

A local contractor visited the grand opening of the gallery and was so impressed by the job that I had done that he sought me out and offered me, what was another opportunity for me to change my life for the better. Part of his offer was a two bedroom cottage on a lot adjacent to one of his rental properties. This would become my home for the next year or so.

 

Well you can’t say that I wasn’t getting more then my share of opportunities. As I’ve said before and I’ll say again, somebody up there was sure trying to help me, even though their attempts were in vain. As it turned out, what could have been a nice career with a top firm was short lived and I was terminated because my bout with alcohol was getting worse. I was told that my work was the best but they couldn’t put up with the rest. So after a year I was back in the streets again. Not really the streets, I was living in the back seat of my car with my dog. I’d graduated from rolling drunks and had picked up a new skill. The art of panhandling.

 

My car, which by the way never had any gas in it, was parked in the back of a large trucking company right next to a hobo camp. I got to know the transients of the valley quite well. Factly, that’s where I learned my new art. Each morning, flat broke, an hour before the liquor store opened, my dog and I would walk, about eight blocks, to the store. We always managed to panhandle enough to buy a couple bottles of cheap hooch and a couple cans of dog food. I want you to know I never bought cheap dog food, I always bought the best. Well, that’s all for now! Maybe someday I’ll return and finish the story.

 

Testimonies

 

I sent out messages to my friends and asked them if they wanted to contribute their testimonies. I received so many replies that I might have to write another book just for testimonies. I didn't get pictures with all the testimonials. The pictures I did get I sadly removed them all because a few of the senders didn't want their pictures published in my book. At any rate I've got their testimonials and that's what really counts.

 

This one is from Dr. John Princeton...Angle Lake, Washington  (My first success)

Hello Reader,

My name is John Princeton and my home is in Angle Lake, Washington. I lived in an apartment that Cash Neve owned in Salt Lake City, rent free for several months. At which time Cash was helping me overcome an addictive problem. When I met Cash I was flat broke, desperate and on the verge of taking my life. For several years I sought help in one recovery program after another, nothing I tried worked. Discouraged, unemployable and sick I had completely given up hope. And then I met Cash!

Cash worked with me until he got me sober and detoxed and all cleaned up. That is when he introduced me to his recovery program. I read his book Total Recovery over and over and each time I read it I got stronger and more motivated. When I first started applying his methods for my cure I found them difficult and had a hard time concentrating but cash kept on me like a queen bee, watching over her hive. He insisted that with practice and determination the steps he outlined for me would work. Honest to God I don’t know where that man got his patience. It took me several times, using the relaxation exercise, before my mind was ready to except self induced suggestions. Then my cure began! I started to get rid of my bad habits and replaced them with good habits. My negative thoughts disappeared and I started thinking positive. Without my realizing it my thinking was starting to change. My strong desire to have a drink stopped and my bitter outlook on life changed. I was curing myself. That was four years ago and I have come a long way from the gutters to success. I’ll be eternally grateful to Cash and his steps to recovery forever.

Dr. John Princeton PHD

 

This ones from Jerry Hargrove…Spring Glen, Utah

 

Dear Cash

“For me, the hypnotic exercises and self suggestion recordings were the key that brought it all together. I don't know if it's the same for everybody but it has really helped me. It also gives you something to do if you've got a craving that gets hold of you... just put on your headphones and go deeper! Plus, the times when I meditate are a trip in themselves. Feeling this good is as pleasurable as a glass of wine, and it sure does something to your state of mind when you realize you can really do it!" Thanks Cash you were a blessing in disguise Your friend forever, Jerr

P.S. Sober, happier, and wiser…..5 years 4 1/2 months

 

This one is from William Sinclair…West Jordan, Utah

 

Hey Buddy, If it wasn’t for you I would be dead or in prison. Thank God you were there to help change my way of thinking. I'm back with my wife and kids and I have been sober and drug free for almost 8 years. I work for myself now I’m a remodel contractor. Business is great and for the first time in years I got money in the bank. Don’t stop what you are doing for the likes of us. Your steps are better than any other steps, they work. Your Buddy Bill

This one is from Eugene Becker…West Valley City, Utah

 Hi, Big Daddy Cash, It’s been almost three years Cash and I’m still sober. I thank you, my wife thanks you and my kids and grand kids thank you. You brought us all together and put meaning in our lives. I have no desire to drink anymore and much more I have no reason. You are our savior. Unconditional Love, Gene

 

This one is from Cyndi Williams…Glendale, Arizona

 

Greetings Big Daddy I’m writing to you from our condo in Glendale Park. My husband and I were quite surprised when we found your letter in our inbox. You were the topic of our discussion just a day ago. We have a neighbor that needs your help. His name is Jimmy Brown and he should be contacting you real soon. We’ve had long talks with him and he has a true desire to change his life around. You did wonders for us and we will always give thanks. Both Bob and I will celebrate our rebirth next Friday. Five years Thanks to you. Five of the happiest and most rewarding years we have ever had. We want you to know that we are grateful for all the help and support you gave us and we will love you forever, Yours Truly, Cyndi Williams

 

This ones from Audrey Clayborn…Austin, Texas

 

How’s Things Big Daddy? We miss you! Four years, three months, two days, and X amount of hours. And were still hanging in there. Great hearing from you. Will never forget you and the new doors you opened for us. My husband is really jiving, hit 200 clams last year, in case you don’t know that’s $200,000 and climbing. It’s all for the thanks of you. You’ll always be our Big Daddy Cash the greatest teacher on earth. You taught us, we learned and we won’t forget. God Bless, Audrey C. 101

 

This ones from Jack Lindburg...Hemstead, New York

 

Dear Cashman,

Remember me Cashman you got me out of the clutches of the V.A. My third time through the program. I was destined to failure until I met you. You had more confidence in me then I ever had in myself. I couldn't have made it if you hadn't showed me how to rebuild myself image. I remember the nights that I was so drunk I couldn't get up off the floor and you took my hand and said "Come on Jack if I can do it so can you." I'm so glad you never gave up on me. You showed me how to heal myself and now I'm strong and self reliant. I haven't had a drink in a long, long time. Not only did you teach me how to kick the habit you  led me straight to God. I thank God every day that he sent you to cross my bath you saved my life and my soul. Sincerely,  JL

PS. Keep up the good work. 

 

 This one is from Jill Morris...St. James, Newfoundland

 

Hi Cash, I'm glad you asked me. All i can say is that your methods work. You saved my life and i give you my love, Jill

 

This one is from Wendover, Nevada...Robert and Diane Christian

 

 My wife and I send you our love. We want to thank you for saving our marriage. God will Bless You and give you a seat right next to him in heaven. What you are doing is the greatest gift all. And it really works. I've been sober now for almost five years. Highest Regards, Bill and Diane 

These are testimonies that I received from my friends, all success stories. I’ve got 82 more to post they are true and sincere and all friends that I am thankful for.

I did get one letter that I wasn't too happy with, from a director of SOS. I wasn't totally aware of the organization, but I am now. Save Our Selves was founded by Jim Christopher in 1986 and I certainly applaud him for the good he has done in the field of substance abusers. I would never condemn anyone for helping those in need. However one of his closed minded directors sure chewed my butt. I would have posted the letter but the language was so bad that I'd be embarrassed to have my readers observe what he wrote. I'll just consider the source and continue to do what I do the best that I can. Anyway I'd like thank Jim Christopher for the wonderful contribution he has given to humanity. Big Daddy Cash