Real estate continues to be a very important part of any financial wealth building strategy. Most wealthy individuals have real estate investments as a portion of their overall net worth. Carleton Sheets has been in real estate since 1970s and has taken his experience to build a complete real estate course.

After purchasing CD version of No Down Payment course by Carleton Sheets, I was impressed by 5 main points.

Carleton Sheets understands different learning styles of individuals and has designed this program for 3 different learning styles. -He’s includes a DVD for viewing and listening -He also includes a 12 CD set for listening/auditory – very helpful for listening in car or at home -And No Down Payment course includes 3 large binders of course material, real estate forms, examples, etc

Carleton Sheets goes into details about this course from beginning to end, describing all elements of his program. He teaches his No Down Payment course with beginner and advanced real estate investor in mind. The examples he uses in audio version, DVD version and in 3-ring binder (written version) provides beginner with information they need to get started. Although not necessarily a high-energy speaker, you get sense of his sincerity and honesty. Carleton provides enough motivation to make you take action.

Carleton Sheets provides his No Down Payment course on a 30 day, money-back guarantee with a $9.95 trial offer. You may want to check his site to see if this offer is still available. Through his program, he emphasizes need to constantly think creatively. I’ve been able to apply creative thinking in both my real estate investments and in other areas of my personal and business life.

He reminds you of importance of looking for four important characteristics of a good investment – Income, Growth, Tax Advantages & Leverage

1.Shop around

The difference in price between various companies can be significant. What one company may consider a high risk factor another company may not view as so important. Insurance companies arrive at a price for your car insurance by adding or discounting money after each answer you give to questions they ask you. Each company has its own rules as to what they consider should increase or decrease your premium. By shopping around you get a better list of prices to compare.

2.Buy a lower group car

One of important factors that insurance companies take into account is of course your vehicle. There are thousands of different cars on road so companies divide them up into groups. Most companies will adopt ABI (Association of British Insurers) group rating. This splits up vehicles into 20 different groups. Generally speaking higher group rating for your vehicle, higher your premium will be. Some companies may also combine your driving experience with vehicle group to get a better idea of how high risk is. This is one of reasons why young drivers should consider buying a lower group car if they want to lower their insurance cost.

3.Consider Third Party Only cover

A Third Party Only insurance policy is minimum amount of cover legally required - it is also cheapest. Generally speaking you should consider opting for this type of policy if your vehicle is of low value. In unfortunate event of having an accident, any damage to a third party vehicle will be covered but any damage to your vehicle is not. However, if your vehicle is of little value then you may not be too concerned. It may not be worth paying extra for a Fully Comprehensive policy in these circumstances.

4.Maintain a good credit rating

More and more insurance companies are adopting credit scoring techniques as part of overall calculation of your car insurance premium. By keeping a good credit history you may avoid any additional premium that companies add to your price for having a bad credit score.

5.Buy on web

Many insurance providers now offer some good discounts for buying policy over internet. The theory is that by purchasing your insurance over web, you are saving company money by not requiring telesales agent time and incurring free-phone costs. This saving is passed on to you in form of a discount for buying online. If you have got prices by telephone then check your quote again on their website, you may be surprised at how much cheaper it is.

6.Have a higher voluntary excess

During quotation process you will be asked how much voluntary excess you want to have. Insurance companies will generally include a compulsory excess amount on policy but give you opportunity to increase this if you wish. The more voluntary excess lower your premium should be. However, in event of a claim, you will have to pay a higher amount yourself, up to total amount of excess on your policy.

7.Reduce your annual mileage

How many miles you do a year is a common question that can affect your car insurance premium. The more miles you do more your premium is likely to be. Quotation systems and telephone agents will often suggest an amount of miles for you. Try and work out how many miles you will genuinely do. It may be less than amount suggested. Of course, you should always give an honest answer to this and other questions.

8.Keep a clean driving record