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APARTMENT, COMMERCIAL AND RESIDENTIAL REAL
ESTATE INVESTING CAREER EDUCATION CLASSES, MENTORS, WEBINARS, SEMINARS
& COURSES FOR REAL ESTATE INVESTING IN ARKANSAS
ARIZONA CALIFORNIA COLORADO CONNECTICUT DELAWARE
FLORIDA GEORGIA HAWAII IDAHO ILLINOIS
INDIANA IOWA KANSAS KENTUCKY LOUISIANA
MAINE MARYLAND MASSACHUSETTS MICHIGAN
MINNESOTA MISSISSIPPI MISSOURI MONTANA NEBRASKA
NEVADA NEW HAMPSHIRE NEW JERSEY NEW MEXICO
NEW YORK NORTH CAROLINA NORTH DAKOTA OHIO OKLAHOMA
OREGON PENNSYLVANIA RHODE ISLAND SOUTH CAROLINA
SOUTH DAKOTA TENNESSEE TEXAS UTAH VERMONT
VIRGINIA WASHINGTON STATE WEST VIRGINIA WISCONSIN
WYOMING THE PROVINCES OF CANADA
Happy
New Year
In 1982 when the industry was being shredded
by 20% interest rates I began to master "value added" principles. I
had learned how to identify extraordinary opportunities that others had missed,
and while the lights were going out in real estate offices around the country,
my business and investments flourished. Again, during the recession
of the early '90's these skills served me well as I saw others give up in
frustration. These are unusual times for our business. But, whether
you intend to invest on your own or act as a consultant for others, if you
apply the principles you learn here today you will invest with confidence
while those around you huddle in confusion. And, as a member of the Mentor
Project
we will be here when you need us.
Bob Peterson, The
California Realtor Forum
The "Forum Workshop Live" - September 14, 2007
Roseville, California Civic Center
Bob Peterson has been one of the
nation's preeminent real estate investment consultants sine 1975 specializing
in real estate investment training courses, workshops and real
estate investing seminars dedicated to the application of business
principles using creative purchase and financing techniques for apartments,
commercial investment, development and syndication. He has been a leader
in education with the California Association of Realtors, a continuing education
sponsor for real estate investment with the California Department of Real
Estate and a project advisor for the Stanford University Graduate School
of Business. As the author of the Real Estate Investment Guide & Field
Reference Manual, Bob has developed the principles, techniques and strategies
that have made the Real Estate Investing Forum's Program Library the premier
training and mentoring platform in the industry. His "Forum Workshop
Live", is the leading real estate investing seminar and Webinar
in the country for the principles of acquisition, management and the application
of value added techniques, and has been presented in the largest venues from
San Diego and Los Angeles, California to Chicago, Houston, Atlanta, Miami,
Phoenix and New York. Bob resides in Northern California where he continues
to direct the Forum's Mentor Project, seminars and professional network
throughout the United States and Canada.
A MESSAGE FROM BOB .
. .
Take a few minutes to read this page if you
think you do not have enough money to get into real estate, and you are chasing
the "no money down" media and Internet hucksters. Perhaps you do not
have enough money to begin investing, but you do have enough money to begin
your real estate investing career in the correct way.
For the first five years of my career I earned
a six figure income and purchased property without investing one dollar of
my own. I began by developing profitable networks referring properties
and valuable information to investors and real estate
professionals who did not have the time, or the resources, to be successful
on their own. I did not have the money to buy in the beginning, but
I sold my knowledge very profitably to those who did. Soon, I began
to convert my fees into ownership. It was much easier than I thought
it would be. In just a few hours I will show you how to do it,
too.
For more than 30 years the Forum has been
a leader in personal training. From the fertile vineyards of Northern
California to the suburbs of Ohio and Smoky Mountains of Tennessee our
real estate investing seminars, workshops and professional mentors have created
new and life changing opportunities for our members throughout the country.
The "Forum Workshop Live" is the only interactive workshop available
anywhere, and our Program Library is the largest concentrated real
estate investment training and reference resource in the world. You
may view the contents by clicking on the LIBRARY link at the top of this
page. The Forum's 6 hour interactive video workshop, Program Library
and Lesson Plan are on-line. You can take your seat in the "Forum Workshop
Live" audience as a Member of the Forum's Mentor Project in the next five
minutes, and I will make it all available to you, including your professional
Mentor, for a one-time membership fee of only $49.00.
Are
ready to plan for a more secure
future? Would you like
make thousands of dollars in fees, and purchase income producing property
without investing one dollar of your own? Whether you live in
Utah, Denver, Colorado or Connecticut, if you are looking for the kind
of personal freedom found only in real estate investment, then you are in
the right place.
Best wishes for your success
-
Bob
PLEASE
BOOKMARK
"The Forum Workshop Live"
- Apartment, Commercial And Residential
Real Estate Investment Career Education Classes, Mentors, Investment
Webinars, Seminars & Courses For Investing In LOS ANGELES CALIFORNIA
CHICAGO ILLINOIS HOUSTON TEXAS PHILADELPHIA
PENNSYLVANIA PHOENIX ARIZONA SAN ANTONIO TEXAS SAN DIEGO
CALIFORNIA ORANGE COUNTY CALIFORNIA DALLAS TEXAS
SAN JOSE CALIFORNIA DETROIT MICHIGAN INDIANAPOLIS
INDIANA ROSEVILLE CALIFORNIA OAKLAND
CALIFORNIA JACKSONVILLE FLORIDA JACKSONVILLE MISSISSIPPI
SAN FRANCISCO CALIFORNIA COLUMBUS OHIO AUSTIN TEXAS
MEMPHIS TENNESSEE BALTIMORE MARYLAND BOISE
IDAHO RALEIGH NORTH CAROLINA ATLANTA GEORGIA
FORT WORTH TEXAS CHARLOTTE NORTH CAROLINA EL PASO
TEXAS PITTSBURGH PENNSYLVANIA MILWAUKEE WISCONSIN
SEATTLE WASHINGTON SIOUX CITY IOWA BOSTON MASSACHUSETTS
DENVER COLORADO LOUISVILLE KENTUCKY NASHVILLE TENNESSEE
VENTURA COUNTY CALIFORNIA LAS VEGAS NEVADA RENO NEVADA
PORTLAND OREGON OKLAHOMA CITY OKLAHOMA TUCSON ARIZONA
OAKLAND CALIFORNIA RIVERSIDE COUNTY CALIFORNIA
ALBUQUERQUE NEW MEXICO FRESNO CALIFORNIA
SACRAMENTO CALIFORNIA NEW ORLEANS LOUISIANA KANSAS CITY KANSAS
TULSA OKLAHOMA MIAMI FLORIDA HONOLULU HAWAII
ARLINGTON TEXAS MEMPHIS TENNESSEE
The "Forum Workshop Live
"
"New, or inexperienced investors, always
begin by purchasing a property that 'looks' good.
This will generally prove to be the first 'fatal' error made by the inexperienced
investor.
When you finish here today you will never make this mistake.
And, if you have, Bob will show you how to fix it"
Janice Hackworthy, CEO, MidState
Investors
The "Forum Workshop Live" - October 18,
2007
Dallas, Texas Cultural
Center
The "Forum Workshop Live" is an extraordinary
opportunity. If you are fortunate enough to find a genuine beginning
and advanced real estate investing seminar and workshop anywhere else expect
a registration fee of $300 to $500 for a one day presentation by a top
professional. You will find our "Forum Workshop Live" to be
an incomparable value that will advance the success of your real estate investing
and consulting career at light speed. It's on-line, and you can be
in the audience in less than 15 minutes as a Member of the Forum's Mentor
Project for just $49.00.
Developed in 1991, the
"Forum Workshop Live" is the only on-line interactive workshop
seminar dedicated to training real estate professionals.
And we do mean interactive. As you attend the
"Forum Workshop Live" from
the comfort of your home, office or you neighborhood Starbucks, you will
be face-to-face with Bob as you move seamlessly between the Lesson Plan
text Bob's superbly delivered video presentation. For more than 15
years the "Forum Workshop Live"
has been licensed for use by university programs, and as a training guide
for mortgage, real estate investing and property management professionals
throughout the US and Canada. Today, the
"Forum Workshop Live" is used by
real estate professionals in every English speaking country around the
world.
From the Arizona, Colorado and Utah Rockies,
the vineyards of Massachusetts and the Puget Sound of Seattle Washington
to the Florida "pan handle", we are pleased to welcome those of you in the
Internet audience while Bob puts more than 30 years of consulting and investing
experience squarely in front of his video audience as he leads them down
the path of real estate investing excellence.
Join Bob, and an audience of new Forum Members,
as they prepare to put their real estate investing career on "fast forward"
during the only full day real estate investment workshop and seminar
presentation available anywhere in the industry that is specifically
dedicated to the inexperienced real estate investor seeking to invest or
act as a consultant in the single family, apartment and commercial real
estate markets. The Forum Workshop Live is delivered to you
instantly from our on-line server in 18 sections so that you may view all,
or any part, of this extraordinary presentation at your convenience, and
as often as you want. Unlike expensive seminars and so-called "boot camps"
costing hundreds and thousands of dollars where what you see is all you get,
Bob will be there whenever you need him. Whether you forget something, or
for review or reinforcement, Bob will always be there with a simple click
of your "mouse". You will have a front row seat in the workshop
that never ends. And we want you to have it all for a small Membership
cost of $49.00.
The real estate markets throughout the country
are rich with opportunity. Are you ready to be there with the skill
and knowledge that others need? Or, perhaps you are
ready to begin your won investing career. Get ready for a fresh look
at the reality of real estate investing as Bob's bold and assertive presentation,
combined with his compelling command of the business, empowers you with a
new sense of excitement in this dynamic market. In just one day you
will acquire knowledge and experience that takes years for the average investor
to learn on their own, and you will never think of real estate investing
in the same way again.
Part
I
Whether you are in Illinois, North Carolina,
South Carolina, New York, Pennsylvania or Florida, Bob removes all the mystery
associated with successful real estate investment no matter where you live.
Bob begins immediately building "value added" strategy as he carefully
explains why the average buyer never finds the right property in the right
place at the right time. Using certain elements of the
"Real Estate Investment
Guide & Field Reference Manual"
you will easily follow Bob as
he demonstrates the difference between sound investment principles and
the prolific practice of market driven speculation. Throughout the first
part of this live workshop seminar Bob refines the techniques for selecting
the correct property every time as he demonstrates a winning purchase, management
and investing strategy for any property from sunny Southern California to
Dallas, Texas. Join Bob
as he teaches new investors and consulting professionals:
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How to build a solid professional
network.
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How to use to determine the correct price every
time, and for any property.
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How to use our "Guide to Purchasing The
Small Commercial Property" to locate the crown jewel of real estate
investing.
-
How to use simple tools to insure the correct
investment decision every time.
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How to turn a small apartment building into
a money machine.
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How to convert a bad property into a good
property.
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How to profit from the mistakes of
others.
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How to use management strategy to create strong
cash flow in weak markets.
-
How to guarantee a profitable sale at the
time of purchase.
-
How to discover extraordinary investment
opportunities that others have missed.
-
How to locate the right property (single
family, or commercial), in the right place at the right
time.
-
How to instantly "lock in" profit without added
effort, or added cash.
-
How to get real estate professionals to
work harder for you.
-
How to expand portfolio holdings without added
cash.
Watch Bob as he explains
how a clever property owner added $5,000 in cash flow with a simple
coupon; how another turned a vacant lot into a "cash cow" without any
building improvements and how the creativity of a small apartment owner
leveraged the improvements of a nearby athletic club to raise his rents without
one dollar of added investment. Finally, you will be amazed to discovers
how one of America's most recognized sports personalities missed a million
dollar opportunity when Bob converted a property that could not
be sold into a 1.3 million profit with nothing more than "the stroke
of his pen".
Bob concludes Part I
by demonstrating
how successful real
estate investors and consultants plan from the inside out rather than making
the curb side decisions of an amateur.
Watch
Bob as he explains:
-
The fatal errors made by most
investors.
-
The deal "killers" that every smart investor
looks for.
-
When to "hold" and when to "fold".
Part II
Go into the field with Bob and visit single
family, apartment and commercial properties that are actually for sale. Bob
demonstrates the missed opportunities by most investors as he reveals why
properties that look bad are really good. Then he explains how many investors
fall into the trap of selecting properties appearing to look good that are
really bad. You will find out why the pro always plans the sale
before the purchase, and you will explore with Bob the value added
opportunities that are always missed by the amateur. Finally, you will
see the "ugly" mistakes made by inexperienced investors every day.
When you have completed the "Forum Workshop
Live" you will know how the experts build portfolio equity every day
while others struggle in changing markets. And, you will
know how the professionals "lock in profit" and remove risk in any market,
and at any time. When you are finished you will be prepared to make purchase
decisions with extraordinary confidence, and you will be ready to make thousands
of dollars each year providing valuable property information and investing
advice for those who need it.
PLEASE BOOKMARK
The Program
Library
The Forum's Program Library has been cited
by the the
Atlanta Business
Journal as "extraordinarily innovative", and along with the Forum Workshop
Live is used exclusively by our company for personnel training and client
development".
Orland Fixx, Fixx Consulting Group
The "Forum Workshop Live" - June 3, 2007
Boston, Massachusetts Business
Metro
the Real Estate Investment Forum's Program Library
contains over 200 files and more than 600 pages of special presentations,
illustrations and spread sheet tools. The Forum's Program Library is
the largest collection of resources dedicated specifically to real estate
investing and portfolio development. You may view the entire table
of contents using the LIBRARY link at the top of this page.
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INVESTMENT ANALYSIS BASICS
This basic analysis program establishes the
fundamental mechanics of real estate investing. The program introduces
common terms, principles and spreadsheet nomenclature common to sound real
estate investing principles, and is the precursor for the advanced principles
covered by the Real Estate Investment Guide & Field Reference Manual
and the "Forum Workshop Live".
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THE REAL ESTATE INVESTMENT
GUIDE & FIELD REFERENCE MANUAL The
Real Estate Investment Guide & Field Reference Manual
will prepare you to manage the issues that you will be confronted
with in every day reality of the competitive real estate investing markets.
You will discover very quickly that merely understanding the mechanics
will be useless if you do not know how to apply them. How will you
find the right property? If you do, will the price be right?
How will you avoid the costly mistakes? What are the best market conditions
for resale, and how will you recognize them? What are the unforeseen
property management problems? Should you attempt to manage the property,
or hire a professional? Where will the needed financing be obtained,
and at what cost? Is this property really as good as it looks, and
what have you missed? Are you getting the right information from
the agent, or property owner. How do you find the right property, in
the right place at the right time. Finally, if you do make a serious mistake,
how will you recover? Whether you are buying a house for resale, or
a multiple tenant commercial building, as an investor or consultant, your
success will be forever be measured by the extent to which you understand
and embrace sound real estate investing principles. The Real Estate
Investment Guide & Field Reference Manual when combined with
the Forum Workshop Live opens a world of opportunity rarely
seen by the average person.
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THE GUIDE TO FORECLOSURE,
PROBATE AND THE FIX & FLIP MARKETS
Foreclosure, probate and wholesale purchase strategy is
the most misunderstood real estate market in our business. It is portrayed
by the media and Internet "Gurus" as an easy target of opportunity. Their
programs are filled with promises for a fast buck based on slick schemes
for separating troubled owners from their property, and their equity. The
Guide to Foreclosure, Probate and the Fix & Flip Markets
will dymystify the process of working in one of the most competitive
markets in real estate acquisition, and which results in the greatest failure
rate for the inexperienced investor.
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THE GUIDE TO PURCHASING
THE SMALL COMMERCIAL PROPERTY The term
commercial real estate often brings to mind multi-million dollar properties
requiring large amounts of capital and management experience. But, in reality,
the vast majority of commercial property consists of small office, retail
and industrial buildings owned and operated by people just like you. Apart
from the important differences in management technique applied to the residential
investment, commercial property owners seek the same return and risk management
goals . The Guide To Purchasing The Small Commercial
Property will open new markets of opportunity missed by the average
Realtor every day.
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PAPER PROFIT & THE
DISCOUNTED MORTGAGE MARKET Is there an investment
that yields a return of up to 50% each year in which your principal is secured,
management free and that can be created with very little money? Yes
there is, but you will not find it in the usual places. Exceptional investment
opportunities arise form exceptional economic conditions. When Albert
Einstein was asked if the Theory of Relativity was his most important discovery
he thoughtfully replied, "No, compounded interest.". Ever since man
began trading in the "coin of the realm" the power of compounded interest
has been the driving force of all financial institutions. Your bank lends
money to make money. Shouldn't you know how to do it to. Paper
Profit & The Discounted Mortgage Market will show you how real estate
professionals are creating huge profits and extraordinary income by simply
understanding how to calculate the remaining value of a mortgage
note.
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INVESTMENT STRATEGIES
USING THE TAX CODE Buyers, owners and sellers
of investment real estate need to understand and apply tax rules to to their
real estate transactions to maximize the financial rewards. This condensed
Guide is not intended to be complete treatment of the complex nature of real
estate taxation but, instead, a guide to the tax considerations which normally
arise in the course of an investment decision, and to advance the
client'awareness of the tax rules that apply to the transaction under
consideration.
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BIG PROFITS IN THE SMALL
PARTNERSHIP An individual who gathers investors
together in a group for the purpose of buying, operating or selling real
property is engaged in a process know as syndication. The individual
organizing the group is know as a syndicator, or syndication manager.
Big Profits In The Small Partnership will prepare the
professional to manage and safely guide the syndicate over the risky waters
of real estate investment. Create just one and you can be set for life.
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NO DOWN REAL ESTATE INVESTMENT
FOR THE TWENTY-FIRST CENTURY Find out how the
professionals plan and execute aggressive purchase strategies beginning with
35 Proven Techniques For Purchasing Real Estate Without Cash. Then
learn 25 Institutional Financing Techniques, 27 Techniques For
Private Financing And Acquisition completed by 22 Techniques For
Acquisition With A Lease Or Purchase Option.
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WORKOUT STRATEGIES FOR THE FORECLOSURE
PROFESSIONAL "Workout Strategies
For The Foreclosure Professional" is the foundation for all successful
foreclosure practitioners. This publication has been drafted from the official
guidelines established by the Federal National Mortgage Association (FNMA),
and is the basis for the loan mitigation policies of virtually all home mortgage
lenders throughout the United State and Canada. Once available at
considerable cost, this publication is no longer available to the general
public. These guidelines outline the rules for delinquency resolution
and foreclosure workout, and are essential to understanding how the foreclosure
market works, and your place as a foreclosure professional in the
process.
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CONSULTING & BUSINESS
DEVELOPMENT PLANNING Planning is critical to
successfully starting and developing business success. Thats
why weve dedicated a complete program t this very important business
discipline. Here youll find guidance on the tools and resources
necessary to write a winning business plan. From sample plans to a
business plan primer, well get you started on this very important activity.
Once your business is up and running, youll need to regularly review
and update your plan to manage growth.
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THE POWER OF
EXCHANGE In the real estate business questions
about the rules for real estate exchange are absolutely inescapable. Your
answers will clearly define your value as a professional. This program
is intended to provide a broad overview regarding many aspects of IRC Section
1031 tax deferred exchanges.
You will learn how to buy and sell using wholesale
techniques, purchase notes for huge profit and discover why the small commercial
building is the "crown jewell" of the investment market. You will also find
out how to create investment strategies using the Federal tax code, form
a small investment group and you will be introduced to more than 100 proven
low down, no down and lease/option techniques commonly used by real estate
investing professionals. We have also prepared a special Lesson Plan to be
used with the "Forum Workshop Live". Access to the Program Library
is included with your Membership in the Mentor Project.
Special
Feature
"The Guide To Delinquency Prevention And
Foreclosure Workout" has been drafted by the Real Estate Forum's editorial
Group in accordance with the rules and regulations of the Federal National
Mortgage Association's (FNMA,"Fannie Mae"). FNMA policies are recognized
and implemented by virtually every mortgage lender in the United States,
and has operated under Congressional Charter since 1947. The "The
Guide To Delinquency Prevention And Foreclosure Workout" puts the investor
inside the mortgage bureaucracy providing a clear track to profiting from
the rapidly changing financing markets. "The Guide To Delinquency
Prevention And Foreclosure Workout" is included as a supplement to the
"Guide To Foreclosure, Probate And The Fix & Flip Markets" inside
the Program Library.
Your Lesson
Plan
As a Member of the Forum's Mentor
Project you will be carefully guided through a special Lesson Plan prepared
from selected Training Elements of the Program Library in preparation
for the "Forum Workshop Live" which you can attend in the comfort
and privacy of your home, workplace or the local Starbucks. This Plan
will prepare you to work as a consultant with confidence in the fast
paced and often confusing real estate investing markets. Take your time,
there is no rush. You will work at your own pace, and on your schedule.
-
You will be guided step-by-step through our
highly structured training element.
-
You will learn how the smart apartment and
commercial investors and consultants use the money of others, instead of
their own.
-
Your will learn how to create profitable
relationships with investors, brokers, mortgage brokers, property managers
and owners.
-
You will be guided through purchase and contract
strategy.
-
You will be trained in portfolio development
and management.
-
You will become knowledgeable in tax shelter
strategies.
-
You will learn the wealth building leverage
techniques used by all top professionals.
You Will Also Learn
Why
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YOU NEVER ATTEND FREE SEMINARS
& WORKSHOPS
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YOU NEVER ATTEND BOOT
CAMPS
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YOU NEVER PURCHASE "TURN
KEY" & TIC OFFERINGS
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YOU NEVER PURCHASE ANYTHING
FROM REAL ESTATE INVESTING CLUBS
-
YOU NEVER INVEST IN EXPENSIVE
MENTOR PROGRAMS
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YOU NEVER BELIEVE RADIO & TELEVISION
INFOMERCIALS, TELENARS & TELENARS DISGUISED AS
WEBINARS
-
YOU NEVER EVER COMPLETE ON-LINE INFORMATION FORMS
FOR ANY REASON
-
YOU NEVER REPLY TO INTERNET PROGRAMS WHEN NO PRICING
IS GIVEN
-
YOU NEVER PURCHASE PROGRAMS OFFERING A FREE, OR
ADDED BONUS
Your Business
Plan
Planning is critical to
your success. Thats why weve dedicated an entire program to
consulting and business development. In addition to a complete list
of consulting specialties you will find guidance for the tools and resources
necessary to write a winning business plan. You will use this program outline
for everything from planning daily activities to marketing, client development,
property presentation and partnership offerings. Whether you are
consulting, or building a personal investment portfolio, youll need
to regularly review and update this plan to manage your growth, and your
success. Business consultants charge hundreds of dollars for this planning
guidance. We have included it for you as a Member of the Forum's Mentor
Project. You will find it listed in the Program Library.
OUR
GUARANTEE
If you follow the Forum's simple instructions
and carefully prepared step-by-step plan based on what you want to
accomplish, we guarantee to put you quickly on the correct path towards your
financial goals with the most innovative real estate investment principles
and techniques known to our industry today. We also believe that you
will want to tell everyone who might be interested about the extraordinary
value you have discovered here.
We also guarantee that you will have every
tool you need to execute your business plan, and that we will be here when
you need us. And, through the Forum's Member organization our Mentors are
in touch with virtually every real estate market in the country with the
critical analysis necessary to meet the demands of rapidly changing markets
so that we can put you in the right place at the right
time.
Become A Member of The Forum's Mentor
Project
Are you ready to invest
a few dollars in your financial future?
You may become a Member
of the Forum for a one time subscription fee of $49.00. Membership
availability is limited, and fees are subject to change without notice.
Your Membership never expires, and there are no additional
charges, purchases, or participation costs of any kind.
Your Front
Row Seat
This outstanding full day video workshop Webinar
will place you well ahead of your investing peers, and Bob will fulfill his
promise when he says, "You will leave here today knowing more about real
estate investing than any so-called real estate professional you will ever
meet". Open the LIBRARY link at the top of the page to review
the contents. It is extraordinary, and it's all yours for just
$49.00. How can the Forum offer so much , for so little. It's
the magic of Internet delivery. Just click on the link below and get
started. Upon completion of the subscription link you will receive
e-mail confirmation along with e-mail and telephone contact
information for our professional Mentors. You will, also, be given password
access to the "Forum Workshop
Live" and Program Library links. You do not have
to wait for outdated books, audio tapes, CD's or DVD's. Your participation
in the Internet's most dynamic real estate investing workshop along with
largest program and professional resources library begins the instant you
are ready for just $49.00. An extraordinary learning experience, and
perhaps a new life, is just moments away.
Good luck.
PLEASE BOOKMARK
Copyright 1980-2007
Real Estate Investing Forum
All rights reserved
The"Forum Workshop Live" and the entire contents of the Program Library
is the exclusive copyright of the Real Estate Investment Forum. No
part of this site, including method of presentation, may be reproduced or
copied in any form, nor may the contents be reproduced or transmitted in
any manner or by any means, electronic or mechanical, including photocopy,
recording, or by any information storage or retrieval system, without the
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