Hello all, this is how i spend my days(Phase 1 get my mind right)- Pray- Meditate - Exercise & go Jogging - Take a warm shower (while listening to relaxing music)- Eat a good breakfast(Phase 2 take care of business)- Check and respond to both my email and voicemail messages- Check to-do list, and complete any items due that day- Scan through that days top real estate news articles- Do a little networking through various real estate groups & forums (mainly for: education, finding deals, and building my connections) - Do at least one thing that day that normally makes me feel uneasy (I work on conquering my fears by doing them) (Phase 3 relax)- after all this, I put anything new on my to-do list to complete for the next day, then I either read a book, hang out with friends, watch a movie, or play video games.

I am just a young guy - 21 year old university student - looking to get into the real estate note business.

I've continued investing, mostly in warm weather areas.

But if they ask the bank what they should do the bank will almost universally say, "Send us some money.

Thanks for the warm welcome everyone.

I still own a couple of development lots near the University and will hold on to them for a bit since prices have dropped and costs have increased.I am also a fan of rentals, I currently have 3 that are performing well and I don't ever intend on letting them go.

;) I appreciate your warm welcome.

Warm regards,Michael Lozar

They've got universal healthcare/medicare/medicaid, Section 8, welfare, food stamps and social security-just with different names.

Hello Joshua,Thank you for your warm welcome it is much appreciated.