All Forum Posts by: Raymond Ebbeler

That first video hopefully painted a grim picture you deserve an upgrade (free of course). I am no financial wizard far from it but I listen to multimillionaires or financial advisers to multimillionaires (Robert Kiyosaki)

Hello everyone I perused the BP community in the forums section to determine if gold as hard assets (with the ability for liquidation) would have application as collateral for doing a real estate deal. 

I am a collector of gold and silver coins and would easily convert that into hard money. Unfortunately if you have been keeping up with the news "paper" money colloquially called "cash IS trash." Who says that Robert Kiyosaki a multimillionaire. 

They say "follow the money" but I think it should be "follow the gold." There are a myriad of different innovative strategies to finance any deal. I also learned about Binary Options. Rather than talk about this let me show you I subscribe to Michael Maloney's youtube channnel. He is the financial adviser to Robert Kiyosaki of Rich Dad, Poor Dad fame. This IS eye opening and of course it has relevance for the real estate industry...

I like to consider myself a gifted wordsmith (that is because I have a fear of public speaking, LOL). Seriously I desire to support BP and its members through the sales of a future book entitled "The Psychographics and Demographics of the Motivated Seller: A Systematic and Analytical Approach to Multifamily Investments as successfully demonstrated by BP Members (something like that).

Bear in mind at free seminars the RE GURU always says a common word phrase "motivated seller." As someone not acclimated to the terminology I would be remiss at being called an idiot if I did not know what the true meaning behind "motivation" is and then what do you get when you motivate an idiot -- yes a motivated idiot and I was going to these endless seminars that promise the sky before joining Bigger Pockets. This is my way of showing thanks for the webinars, free consultation and yes no GURU or his /her assistant a Guru-wannabe calling you in the wee hours of the night to get you to buy the "kit" or schedule a date to go to a free seminar. It is time we fight fire with fire...

WHY? Rather than try to come up with my content (I do not have any deals yet in the pipeline -- did I say yet); and I do not have a pool of private investors to build capital -- working on that as we speak

(http://pyramu007.wix.com/creativewealth)...

as a "virtual assistant" I can promote BP and fellow colleagues in the way that each dialogue for discussion adds to the recipe for success in the forum which provides an exchange for a participating members to provide mentorship; that has a story to tell that would make a great contribution to getting new members to become "pro" since the flip book is an actual account of successes or failures and all pro members become co-authors and share in the pie (net sales on Kindle/Amazon and other web sites). Most RE books skirt around the topic of "motivated sellers."

Since I am also a web developer and mobile app designer; if interested please connect with me and a chapter will be devoted to you and your real-life experience online-- because the digital flip book can be viewed on digital devices such as a smartphone, a tablet or a laptop and it is about integrity and loyalty and BP and its members are all that. 

Here is the flip book which needs to be edited and have more content from BP members exclusive to their success as a multifamily / commercial investor using creative financing. I welcome your constructive feedback in what areas need to be edited  or improved.

Thank you

http://www.youblisher.com/p/1393531-The-Psychographics-and-the-Demographics-of-the-Motivated-Seller-Written-for-the-Real-Estate-Investor-By-the-Real-Estate-Investor/

P.P.S.

Started already compiling data for creating incentivised marketing as a flip book to showcase featured BP partners. The rationale: strength in numbers and to send has tangible evidence for doing requests for proposal (RFP) regarding government grants. 

The application process would be ongoing and can be done by an individual; but vested partners would be part and parcel for requesting a grant for $100,000 in lieu of other monies allocated for doing larger projects in the future.

Therefore the "team" would be to provide cumulative experience for doing multifamily projects for the purpose of offsetting the high cost of health care facilities. As the principle for promoting a health and wellness alternative I desire to purchase properties to serve as senior health facilities targeting a niche market: baby boomers and echo boomers their children.

P.S.

Almost forgot; I purchased a flexible software utility that allows me to tweak the NOI and cap rate to get the optimal return on investment iROI) in the range of 12% to 15% If that has any significance in taking action.

God Bless

I am interested in promoting my services as a flip book creator to be used as a tool to promote BP members as an exchange for becoming a strategic alliance partner. I am currently building capital and the web site identifes the process. During the interim I desire to network with fellow colleagues who share an interest in doing seller financing using creative financial strategies. In return I will create for FREE your personalized flip book that promotes and brands you and can serve  as an ePostcard or eBrochure to do email marketing campaigns.The cost fo being a strategic partner is FREE. Here is a sample flip book that I created for physicians to go mobile with their practice http://www.youblisher.com/p/892587-Mobius2/

With your permission and exclusive for BP colleagues who become a vested partner for the purpose of doing deals in multifamily / commercial properties using creative financial strategies I bring to the table gold assets (liquidable) but desire to hold (but can be used as collateral). Therefore; the web site below in the signature goes into more detail. My way of saying thank you for your understanding; as a strategic partner I can personalize your "package deal" to look like it was done professionally which promotes a "book" format http://www.youblisher.com/p/1388231-Sample-Package-5301-New-Hampshire-Ave-NW/

Cordially

Raymond Ebbeler, MBA, Ph.D. (Health Psychology, Candidate)

Creative Wealth Investors

This area of multifamily and commercial properties is new to me and quite a challenge and one thing that would make it easy for all is to determine what constitutes a motivated seller. I obviously have observed that the bottom line would be the bottom line. I asked the question of the BP community and found an article that had credence and how that could address the owner / seller's motivation (https://www.biggerpockets.com/forums/93/topics/767...

Stess What A Concept

However, the concept of stress was pertinent to my education  in health psychology and I received training in doing psychological profiles to determine the scale of measurement for mental health behavior which can easily generalize to real estate investors not to discount our stress levels trying to locate "motivated sellers." So much so that I have started writing a book (everybody seems do that...these days, LOL); but this is from what I have observed in human behavior proper and whether real estate investors can take the information and use it in their marketing (e.g., a survey to pre-qualify the owner/seller). 

The index was created by other psychologists so I do not take credit for the psychological instrument. However i have used this scale to determine not only my stress level (e.g., public speaking) but stressors in my studies with mental health impact everyon as a "life change." Since I plan to write the book for this area; I will not give the whole content away but I will identify the internal and external factors that contribute to stress and how that might impact on the owner/seller and/or investor as a two pronged approach to reduce the mitigating factor as before and after conditions.

The Percentage of Those Impacted By Stress

Stress these days are shocking.77% of adults report regularly experiencing physical symptoms caused by stress, and an estimated 75% to 90% of visits to primary care physicians are stress-related. WOW!

What is stress from a psycho-biological perspective ?

The hormones released when you feel stressed, such as cortisol and adrenaline, put your body into fight or flight mode. Activity in the advanced decision-making part of your brain (the prefrontal cortex) is reduced, and your immune system and digestion are inhibited. Basically, if you need to escape a predator, you’re good to go, but any ability to make complex decisions is extremely crippled. And while it’s fine for your immune system to sit on the sideline for a single play, serious trouble can arise when it’s out for the whole game. High and prolonged levels of cortisol cause negative symptoms,

I am a former diabetic but I still have high blood pressure so stress can contribute to these biological conditions: heart disease, high blood pressure, diabetes, depression, anxiety disorder, and other illnesses

What are stressors in the immediate environment?

Most people identify the stress in their lives as something outside of themselves that they have no control over. The top two reported causes of stress are work and money – not things you can easily avoid. Read that again, though, and note the phrases “causes of stress.” Things that cause stress are “stressors,” and stress is your personal reaction to those stressors. That’s why what stresses some people out is a piece of cake for others!

So how does knowing the difference help?

To paraphrase Einstein, you can’t solve a problem on the level of the problem. It’s impossible to avoid all stressors – sometimes you don’t even know what they are until they hit you in the face – but you CAN affect your reaction to stressors. I’m not talking about “taking a step back” or “pausing to breathe.” Both are good advice, but easier said than done in the heat of the moment!

The Real Estate Investor and the Life Change Index Scale (The Stress Test) to scientifically and systematically determine the motivates seller (future title of the book)

Event Impact Score and the Score of the Owner / Seller

Death of spouse 100

Divorce 73

Marital Separation 65

Jail Term 63

Death of close family member 63

Personal injury or illness 53

Marriage 50

Fired at work 47

Marital reconciliation 45

Retirement 45

Change in health of family member 44

Pregnancy 40

Sex difficulties 39

Gain of a new family member 39

Business readjustment 39

Change in financial state 38

Death of a close friend 37

Change to a different line of work 36

Change in number of arguments with spouse 35

Mortgage over $20,000 31

Foreclosure of mortgage or loan 30

Change in responsibilities at work 29

Son or daughter leaving home 29

Trouble with in laws 29

Outstanding personal achievement 28

Spouse begins or stop work 26

Begin or end school 26

Change in living conditions 25

Revisions of personal habits 24

Trouble with boss 23

Change in work hours or conditions 20

Change in residence 20

Change in schools 20

Change in recreations 19

Change in church activities 19

Change in social activities 19

Mortgage or loan less than $20,000 17

Change in sleeping habits 16

Change in number of family get-togethers 15

Change in eating habits 15

Vacation 13

Christmas approaching 12

Minor violation of the law 11

Total

Directions If an event mentioned above has occurred in the past year, or is expected in the near

future, copy the number in the score column. If the event has occurred or is expected to occur

more than once, multiply this number by the frequency of the event.

Scoring The Life Change Index

The body is a finely timed instrument that does not like surprises. Any sudden change

stimuli which affects the body, or the reordering of important routines that the body

become used to, can cause needless stress, throwing your whole physical being into

turmoil.

The following chart will give you some idea of how to informally score yourself on Social

Readjustment Scale. Since being healthy is the optimum state you want to achieve, being

sick is the state of being you most want to avoid.

Life Change Units Likelihood Of Illness In Near Future

300+ about 80 percent

150-299 about 50 percent

less than 150 about 30 percent

The higher your life change score, the harder you have to work to get yourself back into a

state of good health.

T.H.Holmes and T.H. Rahe. "The Social Readjustment Rating Scale," Journal of Psychosomatic Research. 11:213, 1967.

The Take away: we work with numbers, we earn numbers; we can learn by numbers "show your owner / seller his / her level of stress and why stressors can impact on thie health which is our ticket to wealth and that as the real estate investor who wears the white hat we become the voice of reason no selling, no telling, no yelling the owner/seller has enough stress in their lives. Hope this helps to identify the motivated seller.

I just became pro with BP so that you and I can work together in many ways to close on multifamily apartments. On April 30 I am going to a seminar on tax lien certificates and tax deeds. Another area to pursue because ROI is 18% in Florida. Also I joined this Internet marketing portal to do Internet marketing as direct mail.

The company is https://click2mail.com/downloads/pdf/12_steps_dire...

Yes you may and there is more that meets the real estate eye...some call it pearls of wisdom but I like to call it golden nuggets...visit http:pyramu007.wix.com/creative wealth  and what I am trying to accomplish quid pro quoˌkwid ˌprō ˈkwō/ noun as a favor or advantage granted or expected in return for something.