i'm actually a fan of leverage...if you can lock in long term fixed debt right now, i don't understand paying cash from an investment perspective--put emotions and ideas of your comfort zone away and just look at the math...by paying off a mortgage early, you're effectively earning the interest rate of that mortgage on your cash...so around 6%...if you're a half decent investor, you should be able to better than that, and stay leveraged.....and btw, that was a terrible post...your profile says you're a student..maybe it's bc i don't trust a lot of people, but what's your angle??

Don't feel bad about failing the first time.Some of the best brokers/agents I know failed the first time.When I went and took the test in 2004 the class was multiple choice in GA.I passed that one and then went on to the state test.In class most of the questions are on the state level but then the state test has national questions as well.So I would go to Barnes and Noble and read the AMP(applied measurement professional) book on national questions and it really helped.In my state we have online and in class.In class is usually better as the instructor can explain answers and concepts plus previous students tell what kinds of questions were on their tests as the questions always change.Here is how I take multiple choice tests.Go through the questions one by one and answer the ones I am only 100% sure about.Then go back and start reviewing the other questions.You will now notice that by answering the first questions you knew you have no eliminated some of the choices of other questions.So If I had it between A,and B and B was eliminated from another answer I knew the question to I know A is the answer.Then lastly I would get down to a few instead of A,B,C,D and choosing one and having a 25% chance I have gotten it down to C,D and now have a 50% chance of getting it right.Doing it this way I went through the test 2 to 3 times and only ended up making an educated guess on a few.You don't want to spend too much time on one question as you will get flustered and every answer will start running together.There were people going to the agent state test that had failed 2 to 3 times already on the state test.I passed the first time since it was multiple choice.In my state when I took the brokers test years later it was MUCH harder.With my luck the brokers test used to be just multiple choice like the state with a few questions added.The year I took it they had just changed it completely.Now it was a complex modeling test.You had read long paragraphs of situations and you had 4 choices.There was not an correct and incorrect choice.Instead there were weighted choices.So you would have ones answer being the worst is -2 to the best +2 and in some questions you problem would have 4 parts to it each with 4 choices before moving to the next.Had really crazy crap in there you would never encounter.I prayed the whole time I passed that one.They didn't give you a score just a pass or fail and I passed.That was one of the hardest test I had taken as it was all judgement based on being the head broker.

While J.T. addressed the issues of risk, which is inherent to speculation and investing in real estate, it fails to address the difference between speculation and investing.Let me begin by going way back to the first chapter of Economics 101, after the professor introduces themselves and begins talking about the general introductions to the topic, the student will be first exposed to the four basic functions of economics:Land, Labor, Capital and Entrepreneurship.These four functions of our economy are the ingredients necessary, to some extent, for every business transaction made by mankind.Success in any business means mastering the manipulation or use of these four elements.

Then sell for a good profit when you leave.I tell all my students that the biggest mistake that soldiers make when moving from 1 base to the other, is they pay market value for a house.

I'm not a financial guru, just a student of money.

The real motivation for ME PERSONALLY was through the contacts and the network I built by doing so as well as the joy and satisfaction I get from being on stage as the educator rather than the hungry student I once was in the audience.

I've read a lot of his articles. Has anyone bought the course? Any success stories?

They overlook student loans, medical bills, etc.

It seems like an almost perfect way for a student like me to make money, support myself and stay out of debt while going to school and I am very anxious to get started.

My lender is saying that a student loan does not need to be taken into consideration when computing DTI if the payments are deferred for 3 or more years.