Millionaire Investing by Louis Howard

Real estate Investing:

Intro: As the US is seeing the hottest real estate market in years and income is rising in certain sectors and declining in other sectors. More and more people want t become Millionaire Investors

  1. Tend to your personal finances first

Many prospective investors view real estate as a means to get out of financial trouble. Many real estate “gurus” will advocate this practice and even use it as a selling point to sell their latest and greatest real estate investing system. I am definitely not of this mindset.


  1. Choose a strategy.

There are many ways to make money in real estate investing. You can buy a property and immediately flip it for profit. You can buy a property and hold it banking on an increase in value in the near future. You can buy a property for rental. You can buy a distressed property and make improvements. There are countless ways to make money. The important thing to remember is that each of these strategies carries its own set of “rules”, if you will, for making a profit. Some might say you should never limit yourself to one strategy and I whole-heartedly agree in the over all realm of your real estate portfolio.


  1. Do your research

While this may sound elementary, it’s very easy to get caught up in the emotion of what seems like a good deal and in the process act hastily. Always, and I mean ALWAYS thoroughly investigate a property before you sign anything. Try to determine if the property has suffered any significant damage, find out if the property is in a flood plain, find out if there is more than 1 lien against a property, etc. Create a property inspection checklist up front and check every one off before you decide to do a deal.


  1. Stick to a budget

Decide what you can afford and are willing to spend on a real estate deal and DO NOT deviate. Many real estate investing coaches will tell you not to let a good deal go just because you don’t have the money. “Get creative” they say. While I do not shun the idea of creative financing completely I certainly don’t recommend it for the beginning investor. “Zero Down” deals can be very appealing but they also can increase your risk factor tremendously. In a nutshell, if you can’t afford it, it’s not a good deal.


Freddie Mac Post Big Profits

WASHINGTON (AP) — Mortgage giant Freddie Mac reported net income of $1.7 billion for the second quarter, up from the same period of 2016.

The government-controlled company said Tuesday its earnings were boosted by increased income from fees paid by lenders for guaranteeing mortgages in the April-through-June period.

Freddie, based in McLean, Virginia, will pay a dividend of $2 billion to the U.S. Treasury next month. Freddie will have paid a total $110.2 billion in dividends, exceeding its government bailout of $71 billion.

The government rescued Freddie and larger sibling Fannie Mae at the height of the financial crisis in September 2008, after they suffered huge losses from risky mortgages in the housing market bust.

Together the companies received taxpayer aid totaling about $187 billion. The housing market’s gradual recovery, helped by record-low interest rates spurring home purchases, has made Freddie and Fannie profitable again.

Still, the housing market’s revival has been choppy, and it has lagged behind the rest of the economy. Despite the low borrowing rates that could lure prospective homebuyers, the market has remained hampered by tight mortgage credit, rising home prices and stagnating incomes.

Apple Rich with over 261 Billion In Cash

LOS ANGELES — Consumers are apparently waiting until the fall to buy shiny, new iPhones.

Apple had a decent fiscal third-quarter on Tuesday with sales and earnings that exceeded Wall Street’s expectations.

Apple announced revenue of $45.4 billion and earnings of $1.67 per share, compared to the year-ago quarter of $42.4 billion and $1.42, respectively.

Analysts had expected revenue of $44.9 billion and earnings of $1.57 for the quarter.

The results sent Apple shares up more than 5% to a record $157.79 in after-hours trading Tuesday.

The June quarter is historically Apple’s slowest. As in most years, sales of the iPhone taper off in the spring and summer, as folks await a new model that debuts each fall. The next iPhone, reportedly sporting a major redesign and packed with new features such as facial recognition, is expected to be introduced in September.

During its third quarter, Apple sold 41 million iPhones and 11.4 million iPads, compared to 40 million iPhones and 9.9 million iPads in the year ago quarter.

Redfin stock climbs in tech-powered brokerage’s first day as public company

Redfin CEO Glenn Kelman rings the Nasdaq opening bell. (Nasdaq Photo)

UPDATE: Redfin stock increased close to 45 percent in the first day of trading, opening at $19.56 and closing at $21.70.

Redfin stock popped as it debuted on the Nasdaq exchange Friday morning, opening at close to $20 and climbing, well above the opening price of $15.

When the tech-powered real estate brokerage priced its stock at $15 in advance of its Wall Street trading debut this morning, it signaled strong interest on the part of investors. Redfin had planned to sell 9.23 million stocks at a range of $12 to $14. It is seeking to raise about $138 million through its IPO.

Redfin’s stock started trading around 8 a.m. Pacific, and about an hour and a half before, Redfin kicked off a new era as a public company by ringing the Nasdaq opening bell. A fired up Redfin CEO Glenn Kelman thanked employees and customers for helping the company get to this point, but added that it is only the beginning.

“We are excited to be here! This is a big day for Redfin. But it’s not just about going public, it’s not just about making money, it’s not just about building a great business, it’s about making real estate better for regular people,” he said. “We have done it our way, with real estate agents and software engineers working together as partners, where we are one Redfin.”

Discovery Communications said it’s buying Scripps Networks for $14.6 billion

Discovery Communications announced on Monday that it is acquiring Scripps Networks Interactive for $14.6 billion.

The deal is expected to close by early 2018, and calls for Discovery to pay Scripps shareholders approximately $90 per share.

After merging, Discovery and Scripps will produce nearly “8,000 hours of original programming annually” and generate “a 7 billion short-form video streams monthly,” according to a Discovery statement. The two cable networks will gain $350 million in cost savings and will provide more international opportunities for Scripps’ business, Discovery said.

The companies said that they would create “a global leader in real life entertainment” and “accelerate growth across linear, digital and short-form platforms around the world.”

Scripps currently operates HGTV, Travel Channel and Food Network, among others, while Discovery runs channels including Discovery Channel, Animal Planet, TLC and OWN.

“This is an exciting new chapter for Discovery,” David Zaslav, president and CEO of Discovery Communications said. “Scripps is one of the best-run media companies in the world with terrific assets, strong brands, and popular talent and formats.”

“We believe that by coming together with Scripps, we will create a stronger, more flexible and more dynamic media company with a global content engine that can be fully optimized and monetized across our combined networks, products and services in every country around the world,” he added.

Viacom, the owner of MTV, Comedy Central, and Nickelodeon, had pursued an acquisition of Scripps Networks Interactive, according to Fox Business.

Discovery said that the two cable networks will gain $350 million in cost savings and will provide more international opportunities for Scripps’ business.

The Power of Writing Down Your Goals and Dreams

Writing down your goals has an impact on your future according to recent article.

Do you write down your goals and dreams on a regular basis? Or do you simply think about them, without actually recording them anywhere?


As it turns out, your answer to this question has a HUGE impact on your odds of transforming whatever it is you desire to be, do, have or give into your reality.

Why is the power of writing down goals so important?

Dr. Gail Matthews, a psychology professor at the Dominican University in California, recently studied the art and science of goal setting.

She gathered two hundred and sixty-seven people together — men and women from all over the world, and from all walks of life, including entrepreneurs, educators, healthcare professionals, artists, lawyers and bankers.

She divided the participants into groups, according to who wrote down their goals and dreams, and who didn’t…

And she discovered that those who wrote down their goals and dreams on a regular basis achieved those desires at a significantly higher level than those who did not.

In fact, she found that you become 42% more likely to achieve your goals and dreams, simply by writing them down on a regular basis.

The likelihood that you’ll transform your desires into reality goes up even further if you share your written goals with a friend who believes in your ability to succeed (what I call a “partner in believing”).

Why does writing down your goals and dreams have such a profound impact?

The explanation has to do with the way our brains work.

As you may know, your brain has a left and a right hemisphere.

The wide, flat bundle of neural fibers that connects the two hemispheres is called the corpus callosum. This is the conduit through which the electrical signals between the right brain, which is imaginative, and the left brain, which is literal, make contact.

These electrical signals then move into the fluid that surrounds the brain and travels up and down the spinal column.


These signals then communicate with every fiber, cell and bone in our body… to the consciousness that operates within us to transform our thoughts into reality. It allows us to align our frequency to a life we would love living.

This is significant, because if you just THINK about one of your goals or dreams, you’re only using the right hemisphere of your brain, which is your imaginative center.

But, if you think about something that you desire, and then write it down, you also tap into the power of your logic-based left hemisphere…

And you send your consciousness and every cell of your body a signal that says, “I want this, and I mean it!”

Just the act of writing down your dreams and goals ignites an entirely new dimension of consciousness, ideas and productivity to the powerhouse that is your subconscious mind.

This simple act also opens your subconscious to “seeing” opportunities that simply can’t be observed if you’re tied up with THINKING about your goals.

Keep breathing, and you WILL create results… but will they be results that you LOVE?

A year from now, no matter what you do, you will have results in your life.

These results could be an abundance of time, money, freedom, love, health and fulfillment… or they could be scarcity, lack and struggle in all of those areas.

It all depends on you, and whether you choose to take the necessary steps to create the results you desire, or continue doing what you’ve been doing and keep experiencing the same results.

I invite you to perform a “success experiment”

Each morning for the next seven days, start your day by writing down your goals and dreams in the four key areas of life:

  1. Health & relationships
  2. Love & relationships
  3. Vocation
  4. Time & money freedom

Don’t write down what you THINK you can have, or what seems possible under your current circumstances…

Instead, write down what you’d truly LOVE, no matter how big or bold it may seem to you right now.

What will happen when you do this experiment:

While this experiment is simple, it’s also highly powerful, and it will cause two things to happen:

The first is that you’ll reach a new level of clarity around your goals and dreams.

The act of writing your goals down requires a level of clarity that just thinking about them doesn’t… and this then communicates through the logic center, or the literal center of us, “I mean business. I’m serious about this. This matters to me. It’s my life.”

The second is that this exercise shifts what you tend to focus on throughout your day, including your awareness about opportunities that are right in front of you, but that often can’t be seen if you’re just casually thinking about what it is you really want.

What’s your next step?

If you enjoyed this blog post, I encourage you to share it with anyone else who wants to create something new and better in their life, or turn a dream into reality.

And for more proven step-by-step strategies on how to overcome fear, procrastination and limitations in order to create a life create a life you truly love living, click here to download a FREE copy of my “Stronger Than Circumstances” ebook.

Mary Morrissey

Amazon Ramps Up Hiring Machine

Amazon, the Seattle-based tech giant, has been growing at a blistering pace over the past five years — and a new analysis by GeekWire reveals where the company’s latest growth has been taking place.

Among our findings: Amazon saw significant growth in 2016 not just at its headquarters in Seattle, but also in many Midwest and Southern states, as the tech giant fills in its distribution footprint. In one state in particular, Ohio, the company has grown from a handful of employees to thousands in just a year.

Amazon’s network of Prime Now hubs nearly quadrupled over the past year across the country.

With 30,000 employees in California, the Golden State represents Amazon’s second-biggest market in the country, behind Washington state at 40,000 employees. Texas is third-largest with 20,000 employees.

Harvard University changes its 1% rule

Harvard is about to get a lot less exclusive.

Earlier this month, a faculty committee recommended that the university ban what it called “pernicious” social clubs — including fraternities, sororities and “final clubs” — stating that they are hotbeds for discrimination and elitism and that their influence on campus life “is impossible to escape.”

Under such a ban, which would go into effect in fall 2018, any undergraduate found participating in these organizations would be expelled or suspended — all to uphold “the importance of inclusion and belonging,” the committee wrote in a 22-page report.

Never mind that Harvard isn’t exactly known for inclusion: The college accepted a whopping 5.2 percent of applicants for its incoming 2021 class.

The ban would affect groups including the two-century-old Hasty Pudding Club — which is now co-ed and whose alumni include President John Adams, Oliver Wendell Holmes Sr. and William Randolph Hearst — as well as the all-female final club the Bee, founded in 1991.

But the main target of the administration’s ire seems to be the storied, all-male final clubs, where amenities can include a ventilated smoking room (Fox Club) or a squash court and sauna (Delphic Club), and stewards guard the doors of million-dollar Harvard Square mansions during raucous parties.

The rosters are as impressive as the grounds: The Fly has counted President Franklin D. Roosevelt and Jared Kushner as members. John F. Kennedy was a member of the (then-all-male) Spee Club, while Theodore Roosevelt was in the Porcellian Club.

Current students and prominent alumni of the organizations are in an uproar over the proposed ban — lawyering up and even hiring public-relations firms, as the Porcellian did with Rubenstein Associates last year.

“The idea that Harvard is now going to exercise the same sort of control over its student body as a strictly run middle school is deeply offensive,” declared Fly Club Graduate President Richard Porteus Jr., Class of ’78.

“It should not be up to the dean and dean alone to decide when Harvard undergraduates have recess, with whom, for how long and doing what.”

‘The idea that Harvard is now going to exercise the same sort of control over its student body as a strictly run middle school is deeply offensive.’

 – Richard Porteus Jr., Class of ’78

The administration’s latest stance is a more draconian version of the edict revealed last spring, in which Dean Rakesh Khurana and President Drew Faust said they would strip members of single-gender, unrecognized clubs of any on-campus leadership positions and refuse to nominate them for academic awards, including Rhodes scholarships, starting with the Class of 2021.

Originally, the administration justified its stance by claiming that male-only clubs were nefarious because of the number of sexual assaults that took place there. But when stats proved otherwise, they switched to a fight against gender discrimination, said Harvard professor Harry Lewis, who was dean of Harvard College from 1995 to 2003 and teaches computer science at the school.

JARED Speaks

According to recent reports jared Kushner speaks in public after a private session before Congress.

WASHINGTON – President Donald Trump’s son-in-law and senior adviser Jared Kushner stressed he did not collude with Russia, nor did he know of “anyone else” who did.

In a brief statement from the White House, Kushner said he intends to fully cooperate with the intelligence committees seeking interviews with him about the allegations.

Kushner did not take reporter questions after his prepared remarks.

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