The Small Business Real Estate Wealth Building Strategy

Thus far I have been talking about the advantageous financing that a small business person can access to acquire real estate for business use. Before doing so, you have to be sure that it makes sense to own your business location, rather than lease it. Let’s look at the reasons for buying business-occupied real estate versus leasing.

Reason 1: Control

When you own the location for your business you have a greater degree of control over what you can do with the space. In lease situations, you always have a landlord who is concerned with the condition and state of the property who may attempt to limit your use.

Reason 2: Diversification

The business real estate is a separate asset from the business itself. In purchasing the building, you have automatically diversified your asset base. Now a portion of your net worth is in commercial real estate and on a different growth path than your business.

Reason 3: Equity Creation

When you make those monthly lease payments you are doing your landlord a great favor by either helping him pay down his loan or increase his net worth. Either way, that money is put to better use if YOU are the one whose loan is being paid down, building your equity in the property.

Reason 4: Payment Assistance

Wouldn’t it be nice to be the owner AND a landlord at the same time? If at all possible, try to purchase a building with additional space for other tenants. You can use their cash flow to help you acquire a larger property, pay down your loan faster, increase your personal cash flow, or a combination of the three.

Reason 5: Estate Planning

Since the building is a separate asset, there are different approaches to managing its position in your portfolio. Common strategies include putting the building in personal or trust name and leasing the space to your business. Also, keeping the building in a separate ownership name gives you some further protection in the event things don’t go as planned with the business.

The Wealth Building Strategy

From these reasons it should be fairly straightforward to derive the small business owner’s real estate wealth building strategy. First, look for a property in which to locate your business. The property should meet your business’ immediate and medium term growth needs.

Second, attempt to find properties that can accommodate or have existing tenants for payment assistance. Obviously, this step should not conflict with the first one. However, a little patience in finding a multi-tenant property that you can use for your business will pay off significantly down the road.

Third, acquire the property with advantageous financing that maintains working capital at acceptable levels and allows for accelerated pay down of the loan principal for equity build-up. In other words, assuming it makes sense, get high leverage or LTV financing that keeps cash in the business. At the same time, make sure that the loan you obtain allows for extra “pre-payments” without penalty so that you can accelerate equity growth in the property and increase future cash flow.

Fourth, position the property to meet your estate goals. How you take ownership will have a significant effect on your estate planning. You should get both your tax and estate planning advisors involved before you close the purchase escrow.

Fifth, implement and accelerated repayment strategy to maximize equity creation. As mentioned in the third step, this is where the smart investor uses his excess cash flow to reduce overall interest expense on the property and increase equity. Properly “reversing” the amortization principal used by lenders reaps massive gains in wealth over relatively short periods of time. I will cover this topic in the next article.



Are You Looking For A Realistic $250K First Year Income Potential?

Real estate (both residential and commercial property) is perhaps the best way for the average person to generate wealth. There are many reasons why real estate is such a brilliant way to fast-track your wealth plan and why it’s so popular with those who want to become wealthy or are already wealthy. The key ones are:

1. Income and capital gain

2. Financial leverage

3. Low volatility

4. Below-market purchases

5. Add value

6. Ability to extract cash that is tax-deferred

7. Simple

Let’s look at each of these advantages.

Income and capital gain:

Real estate offers investors the ability to gain on both income and price appreciation. Income comes in the form of rentals and investors’ benefit from rental increases over times, which are usually in line with inflation or wage growth. This means that those who hold properties over the long term can experience significant increases in the income their properties produce, while mortgage payments remain constant.

Investors also benefit from the capital growth in the value of their properties over time, while their mortgage either stays the same (interest only) or reduces (repayment mortgage). This is usually a slow, constant growth rate that reflects increasing demand due to inflation and population growth. One of the wonderful things about capital growth is that it’s unrealized income and as such you don’t pay tax on it until you realize it…i.e. sell your property.

Financial leverage:

Financial Leverage, also known as gearing, allows you to control assets far beyond and much earlier than by using your own money. Real estate is quite unique in that those with money, namely banks, are more than willing to lend you their money for property investment. Turn on the TV, open up a magazine or walk down a main street, and you’ll see ad after ad for financial institutions offering to loan you money for a home loan. When compared to all other asset classes, property stands alone. Why? Because banks consider property a low-risk asset.

The key benefit of gearing is that for every dollar you invest you control more assets…assets that are paying an income and growing in capital value.

Let’s say you’ve managed to save $15,000 and you wanted to compare stocks and property as two investment alternatives to see how they stacked up. Well, for stocks your $15,000 would buy $15,000 worth of stocks as gearing is both difficult and fairly risky. For real estate however, it’s quite simple to get 85% leverage on residential property, which would allow you to purchase a property worth $100,000.

Assuming that both stocks and property increase in value by 5% per year and the income from your property covers all your interest costs and running expenses (which it should if you’ve positively geared), how do they compare?

Both stocks and property have produced the same return on the invested capital. i.e. 5%. However, this does not represent the return that you receive on the cash you’ve invested. The return on your cash using stocks is still 5% as there is no gearing, but your return on your real estate is actually 33%. This is why a direct comparison of returns between stocks and real estate is totally pointless. You need to take into account the effects of gearing. Financial leverage is one of the key reasons why using property is so powerful since you can use OPM to multiply and fast-track your wealth plan.

Low volatility:

Volatility is generally considered the normal measure of risk. The wealthy do not agree entirely with this assessment of risk, but for the purposes of this analysis well stick with this version of risk (for the wealth creation view of risk visit the Risk category). If you were to compare the market index like the Dow, S&P, FTSE, All Ords, etc against property indexes over similar periods, property is far less volatile. But this hides the real truth…Firstly, what is the likelihood that an individual stock or property will follow their respective indexes? In the case of stocks, who knows! The average return of a market doesn’t tell you anything about a particular stock’s movement. Some individual stocks go up, while others go down. Compare this with property. If average prices of property have risen 5% over a year, it’s pretty likely that an individual property will move fairly close to this average.

Secondly, prices in stocks can move every second the market is open. Again, compared to property, the prices tend to change far more gradually and consistently over time.

Below-market purchases:

Real estate is an incredible wealth building tool because it can be purchased below its market value. It’s just not possible to buy below market value when you deal in bonds, stocks or commodities. There’s just one market price.However, with real estate there will always be desperate sellers willing to sell their properties below market value. Why? The most popular reasons are:

* Need to sell quickly due to divorce or financial strain

* Tired and frustrated of the sales process

* Don’t want the hassle involved in dealing with real estate agents and showing lots of people through their home

* Prior sale falling through

* Selling privately and lack of knowledge of their property’s true value.

Add value:

Too many people walk into a property and are turned off by superficial problems. However, all often the problems are quite superficial and can be easily fixed resulting in enormous value and profit. You can visit your local paint shop and repaint the place or put in new carpet or wood flooring, replace the bathroom or kitchen, put in new lights and switches, clean and mow the yard, or any number of other things that will add far more value than the cost of the improvement. Property is quite unique in this regard. With stocks, mutual funds, commodities or bonds, it simply isn’t possible to add any value to your purchase.

Ability to extract cash that is tax-deferred:

When a property increases in price, it’s quite simple to re-mortgage the property and extract cash out of it to buy more assets to build your wealth. You don’t pay tax on the money you’ve released because it’s a loan (not income) and the interest on the loan is tax-deductible as long as it’s spent on buying assets.

It’s a common misconception that this is tax-free income. It’s not tax-free but, rather, tax-deferred until you sell the property. If you don’t sell, there’s no tax to pay.

Releasing cash tax deferred is one of the most effective ways to build wealth quickly and efficiently. Thousands can turn into hundreds of thousands and hundreds of thousands into millions in a very short space of time. For example, if property were to double every 5 years and you had $15,000 in cash, then with 85% loan to value loans you could turn it into nearly $7 million in equity on a $45 million portfolio after just 15 years.

Simple:

Assessing and buying real estate isn’t complex. We all know what makes a good residential property and what looks in need of some attention. Of course, things like structural surveys, etc. are for experts, but that’s just a matter of hiring a surveyor. Local agents can give you the low down on what’s in demand and what’s not. Anyone can tell if a property is desirable to live in and as they say “practice makes perfect.” With practice you’ll begin to find not only the best properties to rent but also the ones that are being offered below market value.

Hopefully you’ll agree that these 7 reasons make property one of, if not the, best method for the average person to generate enormous wealth



We help with your success!

You know the story: Small time entrepreneur starts a business in his garage and almost overnight takes the company public to dominate an industry. O.K. so this is the exception and not the rule. Most small business owners probably have different motivations for starting their businesses, but the majority will probably include building wealth as one of the reasons for doing so. However, most small business owners miss an amazing opportunity to use their businesses to grow their personal wealth outside of their normal business activities.

The owner of a small business is usually focused on the day to day activities of keeping his or her business running or growing: Sales, accounting, collections, inventory, etc. Some have aspirations of becoming wealthy, yet most settle into a daily routine that lacks the focus necessary to truly develop wealth.

However, even these average business owners can start on a path to true wealth building that still involves their businesses, but creates this wealth because of the business, not through doing business. In fact, the wealth creation can be put on autopilot and converts a normal business expense into a powerful leverage tool. This amazing opportunity is achieved through the purchase of one or more income producing properties utilizing advantageous financing available only to the small business owner.

The theory is simple: The purchased business property is used initially to house the business, but it should also offer the business owner the opportunity to earn third-party rental income. As part of an estate plan, the use of the business to acquire and build a portfolio of income producing properties is an overlooked, but effective means of creating significant retirement income that is hedged against inflation.

First, a business owner has to decide if it makes more sense to own rather than lease for business use. In a later section, I will cover the “Lease vs. Own” decision, but for now I will focus on the assumption that a business owner wants to follow a real estate acquisition program to supplement his personal wealth. Let me give you some background before going into the actual steps of the strategy.

There are three types of third party financing that can be used in the acquisition of real estate for small business use. They are: Small Business Administration (SBA) loan programs, conventional real estate financing, and conventional small business financing.

The SBA programs for businesses come in two versions: The 7a (http://www.sba.gov/services/financialassistance/sbaloantopics/7a/index.html) and the 504 (http://www.sba.gov/services/financialassistance/sbaloantopics/cdc504/index.html). If you require in-depth knowledge of each of the SBA’s offerings, then click the links above. In summary, here are the programs:

THE 7A

This is the SBA’s “flagship” loan and is used for almost any business purpose: Inventory, equipment, real estate, etc. It helps qualified small businesses obtain financing when they might not be eligible for business loans through normal lending channels. It is also the agency’s most flexible business loan program, since financing under this program can be guaranteed for a variety of general business purposes.

Loan proceeds can be used for most sound business purposes including working capital, machinery and equipment, furniture and fixtures, land and building (including purchase, renovation and new construction), leasehold improvements, and debt refinancing (under special conditions). Loan maturity is up to 10 years for working capital and generally up to 25 years for fixed assets.

THE 504

The second option provided by the SBA is the “504” program. This program provides long-term, fixed-rate financing to small businesses to acquire real estate or machinery or equipment for expansion or modernization. A 504 project is a “two loan” program that includes a first lien provided from a private-sector lender and a second lien secured from a Certified Development Corporation (CDC). This second lien is funded by a 100 percent SBA-guaranteed debenture. These two loans usually combine to provide as much as 90% of the cost of the real estate purchased by a small business owner, the other 10 percent equity coming from the borrower. The program helps small businesses expand while preserving working capital.

For a recent press release from the SBA concerning the popularity and use of the two programs, go here:

http://www.sba.gov/idc/groups/public/documents/sba_homepage/sba_news_07-71.pdf

In the next article, I will cover other financing alternatives for small business owners and then begin to develop the Wealth Building Proposition for Small Business Owners.



Build Wealth!

If you go through list of Richest People of the world compiled by organizations like Australia’s ‘BRW Rich 200 List’, and their ways of building wealth, you would get to know that such people have gotten their wealth generated through an extremely eclectic branch of professions and business-the one that stands out in the form of the most re-occurring and common field in comparison with the rest- Real Estate. Those who have not gotten their wealth generated directly through real estate have used it in the form of a solid and secure asset for funneling and growing their fortunes further. Let the reasons behind flourishing of real estate wealth building be studied in details.

Leverage

While having real estate purchased, borrowing 80-90% of purchase price is not at all uncommon. At times, 100% lends can also be made available. This completely depends upon location of lender, land, and borrowing position of yours. In other words, the percentage of lending depends on whether you secure employment on the professional basis or already possess other assets. Real estate wealth building is thus, a matter of your pre-accumulated wealth.

If you happen to visit the bank and tell them that their shares that are publicly listed are on your wishlist and that you need a loan for doing so; in majority of cases, around 70% would be lent to you in the form of margin loan as per the listed shares, that too in their own bank! More ironical is the fact that the same bank will possibly be extra happy for lending you around 80-90% for purchasing a well-located property. So, think in the proper perspective while opting for real estate wealth building.

Everybody requires roof over head

Real estate, unlike the paper assets like derivative or stock market instruments, is something tangible and real. It has existence on the physical basis. The most important fact apart from all this is that each and everyone requires roof over heads of theirs, and that a place and space is need to live by all the people on this planet. The demand pertaining to real estate would continue till people continue to live in that particular area. This aspect of real estate wealth building cannot be overlooked.

Limited Supply

Real estate, unlike any of the other asset classes, is finite. It’s true that taller buildings can always be built, along with more number of apartments, that too, on same-sized block. However, note that there’s only a bit of land, and a bit of ‘well located’ land adjoining public amenities, transportation, and employment. This is one of the vital reasons behind real estate wealth building.

Price Inflation

As stated above, ‘leverage’ of yours is powerful only if the property appreciates with respect to value. If depreciation occurs, you would be finding yourself owing greater than the amount borrowed by you originally. This might seem to be one of the scary prospects at times; but also quite easy to avert. This then points towards the right selection of real estate. Some of the reasons behind inflation in terms of price of real estate include underlying inflation with respect to economy, nation’s economic health and state of economy, increasing population, limited supply pertaining to the area ‘in demand’, and many more. Real estate wealth building involves many real-time challenges, apart from the ones stated above.



Are You Looking For A Realistic $250K First Year Income Potential?

Today we are discussing a somewhat advanced strategy for you to use after you have been in the creative real estate investing business for a while. I call this “Rehab, Refinance, and Cash Out”. This strategy can lead to true long term wealth and financial independence. This works very well in a buyers market like Memphis where prices have been quite flat for some time. You need to use this to augment your wholesaling for immediate income and retailing for bigger short term profits. Rehab, Refinance and Cash Out is a long term wealth building strategy and will be something you will be glad you did as it is a long term buy and hold strategy, and those are the strategies that lead to true wealth accumulation and financial independence.

Let me explain how this works. You find a good middle to low end 3 bedroom home that you are able to buy from an out of state owner or other motivated seller that needs a little work and you buy at 60% of after repaired value. You buy the house using a hard money lender like http://www.pleaseclose.com/memphistrading and do your fix up and have a property management firm manage the property and put a renter in the house. The hard money lender will typically loan you up to 65% of the after repaired value to purchase the house which you use to buy the house and then repair it. Now that the home is repaired you obtain an investor friendly mortgage and cash out by refinancing at 80-90% of after repaired retail value and you should be doing this with properties where this strategy gives you back at least $10,000 at the refinance that you can use in your business any way you need. Do not use this money to live on, use it solely to grow your real estate business. Once you have done this strategy on 10 homes you should be able to keep finding better and better deals because you can close quickly as you have cash in hand to make things happen. More cash equals better deals and more opportunities.

By the time you repeat this strategy 20 times you should have at least $200,000 cash plus about $200,000 equity and 20 homes giving you at least $2000 per month positive cash flow whether you decide to work this month or not since you have a property management company handling things for you. With average annual rent increases, within five years that $2,000 a month should grow to $4,000 a month. In 30 years you should have $2 to 3 million plus in paid off real estate. It’s a good solid long term strategy to add to your immediate selling from wholesaling, retailing and lease options that the extra $200,000 in cash will help grow tremendously.

The rent minus the management fees and all loan and other costs must leave you with positive cash flow or this strategy should be avoided. If you cannot cash out on the property I don’t recommend holding it long term as you want to be able to use your best mortgages to cash out.

You can purchase using http://www.pleaseclose.com/memphistrading if your Equifax credit score is above 550(which is bad credit) or you have a co-borrower who has an Equifax score over 550. A good investor friendly mortgage company will give you good rates if you are at 660 middle score or above and the very best rates if your middle score is 720 or above. Your first 10 investor mortgages in your name and 10 in your spouses name are the easiest to qualify and get the best deals. After those you really need a good investor mortgage company to work with. Take the time to find the real investor friendly mortgage companies that can help you get loans for 100 properties and not just the first ten and let them have the easy ones and the tougher ones. I do recommend having more than one good lender available though, but stick to the ones that specialize in investor loans. Find out from other investors who the most investor friendly mortgage companies are to use to refinance the repaired home.

I do not advocate becoming a landlord as I do not believe this is a valuable usage of your time and energy. I highly recommend asking around and finding a good property management company that will charge you 10% or less to start out with and gradually lower that % as you add more and more properties.

I feel this is an advanced strategy as you won’t see any cash in your pocket from this strategy for 4-6 months after you find the deal which is a long time to work and not see any pay. If you are wholesaling and making consistent money each month then it shouldn’t matter. This strategy will magnify the profits you make in your investing business in ways you might not have imagined. This strategy is a natural progression from wholesaling as you are already helping others find these kinds of deals, now you will be able to get the cash out typical of probably 2 wholesale deals, just paid slower, and at the same time building a nice future nest egg.



Build Wealth!

Property investment seminars are property developers and realestate agent’s brochures which is produced to discuss on property development or property market in order to get the investor to part on the property investment seminars which gives own housing projects. Property investment seminars provide property investment information on a wide variety of topics. UK property experts in the property marketplace, stands at the top to represent the best investment properties in UK.

In property investment seminars you can get valuable property investment information. To check about property Investment Seminars search online. You will get more details on how to attend, schedule or learn more about such property investment seminars and opportunities.

Property investment seminars are of one and a half hour presentation which aims to wealth building through real estate. Property investment seminars are usually conducted free of cost. Property investment seminar will provide an insight overview to investing in commercial and industrial properties. Property investment seminars will mainly focus on the valuation and pricing methods related to the field of investment Properties, with specific reference to UK. Property investment seminars features a number of renowned speakers, who will tackle major practical issues related to the realestate, industrial and commercial properties which are important area of capital growth. Additionally, property investment seminars will address the issue of how to evaluate Intellectual Property Rights by adopting international best practices. The property investment seminars many make discussions at length a range of topics relevant to properties in the UK and the importance of Intellectual Property Valuation in Intellectual Asset Management.

England is the home of large number of companies with intangible assets such as trademarks. ‘Moreover, several indigenous companies in the UK are expanding their presence beyond their homeland and are going global, which accentuates the need to adopt international best practices in evaluating the companies’ worth’. So, London is the best place to conduct such great property investment seminars in a big level.

From property investment seminars, property builders find a good way to get suitable investment properties. Property investment seminars are generally a great opportunity to purchase a investment property at below market prices. You just need to attend the property investment seminars to understand the property marketplace.

Property investment seminars gather both the newer property investor and the investor that feels like they require some help in these areas, and much more! Property investment seminars will act as a workshop to allow property builders time to get their questions answered in a group setting and also expand their connections in this field.



Build Wealth!

Real estate investing is purchasing a real estate for profit. There are several ways in earning a profit through real estate investing. This is can be done via reselling through wholesale properties and by renting out the property. Jim Toner has mastered the art of real estate investing and has been an authority of the subject matter.

Jim Toner is well known in the real estate investing world. He has been a popular speaker and lecturer on the subject of Wealth Building through real estate investing.

Charles “Tremendous” Jones believes that Jim Toner is one of the most exciting people he has ever met. He says that he speaks with wisdom because he loves and practices what he teaches. Charles Jones is the founder of “ExecutiveBooks.com” and the author of the book that made an impact in the real estate investing career of Jim Toner.

Jim Toner is a multimillion real estate investor. His Jim Toners Wealth Builders was purposely made to support people who are in the serious business of getting into real estate business. He believes that the shortest way to getting rich is via investing in real estate. He believes that real estate investing is the greatest wealth builder. However, there are important things to understand to master the industry. There are risks involved but these could be calculated and managed with proper training. “In this industry, the earning potential is unlimited,” he said, but still, it is not a quick thing. Real estate investing is a slow steady builder which could take you to levels you may never thought of reaching.

Jim Tone’s Wealth Builders program is not a regular program offered anywhere. Jim Tone’s expertise is a product of 17 years of involvement in real estate investing. How would you like to learn swimming from an instructor who simply knows the technique through books and does not even have his feet wet while teaching you? With Jim Tone’s Wealth Builders program you can be sure that these people know and practice what they are saying. They are actual investors and could guide you until you master the art of ethical real estate investing.

Jim Toner’s Wealth Builders employ a team of experts and are really real estate investors, aside from Jim Toner himself, one of whom is Louie Payne. Louie has been in the business of mentoring and coaching for the past 18 years and has been successful in it. He was the former VP on sales which drove the business to a billion-dollar level. He encourages confidence and skills development to those that need them and helps them to overcome fear. He is a recipient of the National Leadership award in 2005 and a board of director of Hop Lives Foundation. There are some more names on the lists like Rommel Akrouche, who is an expert in acquisition, rehab, and exit strategies; Jeff Bridge, who has extensive knowledge in banking and mortgage; and Todd Lash, an expert in bringing creative real world solutions. Jim Toner’s Wealth Builders team provides the complete expertise needed in real estate investing.



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It is one thing to build wealth but quite another to keep it. Here are some tips that can help you build a nest egg that keeps building and appreciating in value over the course of your lifetime.

Make sure you establish a good credit rating. Establish good credit while you are young and make sure that you understand that credit is a means to building a good “credit-worthy” reputation. It is a means to an end, not a way of topping off your bank balance!

Pay off your credit cards and bills in full each month before the due date. The minute you pay a credit card bill or any other type bill late you cause a domino effect with your other payments. Other credit cards immediately raise your credit card APR for not paying your “other” bills on time as agreed.

Pay for whatever you can, whenever you can upfront and in full. This does not mean avoid using your credit altogether but the more you use cash, the less interest you will be charged for your purchases over your lifetime.

Pay your taxes on time. One of the most miserable life-defining terrible mistakes that a person can make is to pay their taxes late. This not only red flags you in the eyes of the bureaucracy for an expensive and time consuming tax audit but the penalties and compound interest that is charged for paying late has created many paupers.

Own your own home-don’t rent! This is one of those secrets that is contained in every wealth building advice book out there. Obviously if you own you are gaining equity and value as opposed to paying in to someone else’s.

Don’t take out equity on your home to pay bills! There are lots of scams out there that will advise you to take out equity in your home so you can pay for credit card bills. This puts your home at risk if you can’t make a payment. Even if you have lost your job or are ill try and keep it as an asset.

Look for deals when buying real estate. Take advantage of individuals who are really motivated and need to sell their home for pennies on the dollar and then either fix it up or resell it for a profit.

Never take out money from your retirement plan to pay bills! Money taken out of your retirement funds is not only taxed but you may have to pay interest on it. This can cost you a lot of money over the long term.

Make saving money a priority, not the last thing on your wealth-building list. Saving money has nothing to do with your income level, hard or great luck or investment decisions. Even people with low paying jobs can become very wealthy if they save money and invest their savings wisely. Financial experts call this “paying yourself first!”

For more tips on wealth-building and in particular about investing in real estate to make money go to www.reiconferences.com.



Let us teach you how to be successful!

Jim Toner is a successful fulltime investor who has been generous in sharing the path to financial freedom through investment in real estate. Inspired by a book written by Charlie “Tremendous” Jones, Jim Toner moved to become a multimillion real estate investor. His story of success brought him in studios of CNN, NBC, Fox News, and ABC, where he talks about his success building tips. His expertise to ethical real estate investing has brought him in the pages of famous business magazines such as Business Opportunity Magazine, The Pittsburgh Post Gazette, Opportunity World, Essence Magazine, The Pittsburgh Tribune Review, Opportunity World, Yahoo Finance, Forbes.com, and many more.

His string of achievements has made him to become one of the sought-after lecturers and speakers of real estate. This too has prompted him to create a wealth builder site in his effort to show people that success is closer than they think. Jim Toner also conducts wealth building seminars and workshops to guide those who are seeking ways to succeed in their career in real estate business. He believes that the most powerful tool to financial freedom and success is through real estate investment.

Jim Toner Wealth Building Seminars shares the basic steps to financial success and it is by having a plan and by being in the right company of people. To achieve your goal to be rich or prosperous, you have to have a plan of your own. Today at a very young age of 45, Jim Toner is now a wealthy realtor, married, and with two kids. The Jim Toner Wealth Building Seminars emphasize on planning for your future that includes taking control of your financial future by taking action. Nothing could be fulfilled in waiting and watching. By attending one of his Wealth Builders Program, one can have a better plan and picture for his life and finances. The first step to success or getting rich is by doing the things you want and planning them.

In Jim Toner’s Wealth Builders Program, you will know why it is important to surround yourself with the right people. To surround yourself with people who are living a lifestyle that inspires you and the kind of life you aspire to have is the second important element for success. Your constant companions will tell you where your plan is leading you. Having a plan and working on the plan is very important for Jim Toner. He sums it up in two words when he said, “take action.”

Jim Toner’s Wealth Builders Seminars provide the means to make the plans you have made to happen. These seminars are good investments since the treasure you will learn from it will lead you to realizing the plan you have laid out for yourself. Jim Toner has been through a lot before becoming a successful multimillion real estate investor and this had made him an authority in this industry. As how Jim Toner’s Wealth Builders Seminar would say it, these seminars have real investors, real people, and real results.



Serious Entrepreneurs ONLY Beyond This Point!