There was an interesting item on a “current affairs” show recently. ASIC and a Consumer Organisation sent a number of genuine, financial hardship cases to 219 different and fully qualified financial planners. The results were that only ONE IN FIFTY of financial plans reflected needs of clients, rest reflected financial planners commissions. This just highlights how valuable genuine educational workshops and e-books are. This article is based on a workshop and E-book by Ray Jamieson and first presented at The Executive Mastamind Programme Workshop.

The purpose of all these workshops and e-books is to educate. Not to advise, or tell you where or how to invest, or suggest one strategy over another. Simply to educate. This is same in that respect. T

This article and associated e-book are on fundamentals of creating wealth through Real Estate. The e-book, through virtue of unlimited space criteria, goes into much more depth and can be found on www.atozebooks.com. There is nothing new in this concept, people have been buying and selling real estate since trading and commerce first began. However, one would think that with something that has been around for so long, more people would understand it!

One of things I believe about Real Estate is that if you make a good buy which is making you good money, you hang onto it, unless some mug offers you an absolute fortune for it. Now, I DID buy real estate and it WAS a good buy, but you aren’t getting it, you have to go find your own. However, I will give you some tips on buying, which might make yours as great an investment as mine!

This article and e-book is about some things that many people will find are a secret. Sadly, there are many vested interests that would rather you didn’t know what you will learn here.

In this article and e-book, we will discover WHY you need to consider buying real estate without using your own money for a deposit. It actually makes a lot of financial sense to NOT use YOUR money! That's where we start. Why, because we, as a society, have been conditioned into thinking we have to conform to rules that banks and financiers want us to conform to. And whom do you think those rules benefit? The consumer? NOT LIKELY! The Golden Rule states that them that makes rules gets gold from rules! OK, it was a little different when I first heard it too, but principle is chillingly accurate!

We will also learn of 6 different strategies to buy a house without a deposit, criteria you need to fulfil before you choose a property for exercise, vendor profiles, some warnings to observe and more. By end of session, you might have a whole new way of looking at property purchasing, whether you are a vendor or buyer! You might discover a few other little tricky things you need to be aware of when buying any house. You need to come out a winner, as well as vendor. Remember, this has to work for everyone involved!

DISCLAIMER: When we look at 6 different methods of purchasing property without you putting money into a deposit, I will not give you advice; rather, I will encourage you to look at different ways of investing into Real Estate for a better outcome. At all times, you need to have your solicitor and purchasing team on board to guide you into specifics. Please remember, this is an educational article and e-book only, for advice on anything I say here pertaining to your particular situation, you need to consult your own solicitor and accountant. They will be able to advise you on your own situation, and legal and financial criteria and regulations pertaining to your own jurisdiction, regardless of country or state. These factors will vary from country to country and from state to state within different countries, but principles will always apply.

Everything here is legal, ethical, moral and above board. It is also standard real estate practice, but vested interests in game would sometimes rather you didn’t know these things, as they have their own agenda and formula they work to. Once you get “outside box” they think you belong in, it makes them uncomfortable and they lose control of deal. That’s not good for them.

Just a point on being in control: If someone else is controlling deal, to whose advantage do you think they structure it to?

Themselves, of course! However, it is possible to have a win/win/win situation. These are 6 ways you can do that.

Firstly, let’s set a yield guideline to follow as we work through. If you were a property owner, residential or commercial property, what is a reasonable return on investment that you would expect? At end of year, your accountant says you made X% yield last year from your real estate investments, what was that percentage return for you? ……………%

If someone NETTS 7% they are doing very well. Some properties do more, most do less, and rely on eventual capital gains to realise a profit. But let’s be generous. Let’s allow that someone might be making 7% from their property after costs. Is that OK?

(We had one person in a seminar in Brisbane claim to be making 10% nett on his investments, but he went home and did calculations and rang to apologise. One was in fact yielding 10% but two others were dragging his yield overall down to a poor negative result! It pays to keep track of things like that!)

With residential property values peaking in Australia as they have in last year or two, returns as a percentage yield are very low right now on most properties. Rents do not increase as fast as values and therefore, as values increase, yields fall. With high borrowings, some are now impossible to gear positively. However, there are properties and strategies that do work for you. We will show you how to go looking for them.

Now, why do it this way? WHY NOT PUT DOWN A DEPOSIT?

A question for you: Is it possible to earn 6% to 10% per month on an investment portfolio? Yes, and it doesn’t take a lot of money or knowledge to do it! Many of sharemarket trading programs, options, futures, arbitrage, currency, etc, do this regularly and consistently - if you have ability to operate them and have discipline and education to do it.

6.8% per month is approximately 100% pa. Think about it! GREAT opportunity money! Putting it to use where it will do some good, rather than sitting dead in a trust account! Doubling it!

1. Choosing A new credit card

There are many reasons for choosing a new credit card. It may be your first card or you may wish to reduce amount of interest you're paying each month or if you're lucky enough to pay off your balance each month you may wish to take advantage of one of many reward schemes around.

To help you choose we have compiled a set of questions and answers. One thing to consider is that you need more than one new card. For example if you have an outstanding balance and use still make purchases you should consider switching to a balance transfer card for outstanding balance and a seperate card for ongoing purchases. This is provided you pay off ongoing purchases of course.

2. What To Ask - Standard Questions

Scenario : You pay off your existing balance each month

Solution : Choose a reward scheme card.

These will either pay be cash or may be points that can be used to purchase certain products.

Scenario : You have an outstanding balance but still make ongoing purchases

Solution : Transfer existing balance to 0% balance transfer card and at same time get an introductory purchase offer card.