Let’s start with something really basic, like how much insurance you need to pay for in the first place. Are you aware that a lot of people grab their property tax bill when determining how much protection they need to buy? The problem with that is that many times they inadvertently include the value of the land under their home when determining how much protection they need.

I remember walking into that first seminar and within five minutes realized I had hundreds of people to talk with who “GOT” what I was doing! We could exchange ideas, share resources, coach each other, and even cross promote. It was a whole new world and I could never go back.

CTEC classes And I doubt that our abused Heather told Mario’s 2nd wife, Janice, what she really thought of her – or her mean daughter – that his obituary said was Mario’s surviving daughter. Heather, too, has a good forgiver.

CTEC approved provider It can’t be their over spending, or their pandering to big labor, it can’t be their over regulating everything except the border. No it has the be somebody eases fault. Because as you know they are always right.

For the San Diego and California real estate market we have to contend with our own Cap & Tax laws going into effect in 2011 that will increase utility costs by 20% over the next five and speeding up the loss of manufacturing jobs. We also have a new, old governor who was against proposition 13 which sets a maximum cap on property 2008 taxes and will likely propose new massive state taxes to deal with a $25.4 billion budget deficit.

CTEC courses If you are at the point where all of your consumer debt (except for your mortgage) has been erased you are in a great place to save for college. This is true whether your children are in grammar school or are in high school. Granted a child in high school means you do not have a lot of time. But remember, you do not have to come up with the money for all 4 years of college on day one of their freshman year.

Then one morning I got a call from Kevin, “If I don’t make the $2,000 payment to the 2nd trust deed holder, he will start foreclosure in 2 days. Kevin also told me “The 2nd trust deed lender said that he would buy the Pasadena apartment building for what I had paid for it, 4 years ago, $525,000.” The offer had a stipulation to it. Kevin had to bring the loan current first. In my mind, if Kevin could bring the loan current, why would he even bother to sell the property for a wholesale price? I couldn’t believe what I was hearing.