Creating Wealth Real Estate Investing with Jason Hartman

Join Jason Hartman and MC Company Principal and Co-Partner, as well as the Real Estate Adviser of Robert Kiyosaki, Ken McElroy, in this insightful discussion about real estate investing, inflation, and the effect of today’s economy on the rental markets. Both Ken and Jason learned the power of leverage to hedge against inflation, and in this episode, they share their combined knowledge with the listeners. Ken feels that investing in real estate and watching the dollar, mortgage rates, and inflation are lifelong endeavors and it’s important to stay on top of those things. He also shares why he prefers apartments over residential investments, expressing it allows greater control over the financial outcome of the asset. Ken talks about the pent up demand of Gen Y’ers, who currently are forced to live at home due to scarcity of jobs, but who will eventually flow into the rental market if and when jobs are created and the economy begins to improve. Jason and Ken also share their similar knowledge regarding macro- and micro-markets, the importance of researching job markets, employment rates, population, schools, etc. “At the end of the day, it’s all about demographics,” Ken says. Ken McElroy has over 20 years of experience in multifamily asset/property management, development, project/construction management, investment analysis, acquisitions and dispositions, business development, and client relations. With his years of experience and knowledge, Ken has a unique property management perspective. Ken authored the best-selling book, The ABCs of Real Estate Investing; The Advanced Guide to Real Estate Investing; The ABC’s of Property Management; and his most recent book, The Sleeping Giant. Ken, as the Real Estate Advisor to The Rich Dad Company, has also co-authored with Robert Kiyosaki several audio programs, including “How to Increase the Income from Your Real Estate Investments;” “How to Get Your Banker to Say ‘Yes!’;” and “How to Find and Keep Good Tenants.” Ken is a chapter contributor in the newly released The Real Book of Real Estate. Ken is also a gifted speaker and has inspired audiences all over the world with appearances for several PBS specials and leading industry events. He hosts WS Radio’s weekly Entrepreneur Magazine’s Real Estate Radio program, interviewing experts in real estate, financial and legal arenas. Ken’s passion to educate others make these programs a favorite among listeners. Ken held several board positions, including President of Entrepreneurs’ Organization Arizona within Entrepreneurs’ Organization and Arizona’s Chapter of Entrepreneurs’ Organization, and is still an active member. He is active in the community and has served on advisory boards for Child Help and AZ Food Banks, where he conducted the largest food drive in the state of Arizona.

If you have been watching mainstream media to keep up with current events in the financial world you may not have heard of these alarming changes. Chris Martenson joins Jason to warn us all about the looming upheaval in the global economy, additions to legislation in the US, and how the stock market no longer makes sense. 2016 could be the year the world falls into a deflationary spiral causing many countries to default on their dollar based financial obligations. He says the warning signs are there and if you are concerned with keeping your life balanced you should be investing in alternatives to oil, fertile land and your emotional well-being. Key Takeaways: Jason’s Editorial: [1:42] Why is it an amazing time to be alive? [2:48] The Salt Lake City JHU Live event [5:14] Join the Venture Alliance Mastermind - Commandment #3 Thou shalt maintain control Chris Martenson Guest Interview: [9:09] Will Brazil be the first Black Swan default country? [14:21] During the global downturn there will be nowhere to turn [15:35] Japan - Demographics and the lack of natural resources will be their downfall [17:59] The economic debt of the world is 200 Trillion dollars [20:30] Normalizing interest rates [21:37] 2016 - The global economy could go into a deflationary pattern [27:46] The Omnibus spending bill made derivatives senior obligations of the banks [33:13] People should become aware of the risks and make an action plan [35:25] “How to Prosper” and how to become resilient [40:12] The stock market no longer makes sense [43:34] Robots will be a true disruptor [45:44] The future will see 3 billion people in the middle class who are consumptive [49:49] How to contact Chris and get the “How to Prosper!” book [50:26] Losing emotional capital costs more than financial ruin Mention: Jason Hartman - To Enter the Contest Jason Hartman - To Sign up for Salt Lake City Venture Alliance Mastermind How to Prosper! Peak Prosperity

Jason starts things off with his thoughts on cycles of opportunity, autonomous cars, and information about how you can win free tickets to the next JHU event. The JHU event will highlight how to evaluate properties for the most historically proven asset class in the world. And returning guest, Dan Millman who is the author of 17 books, talks about his new book “The Four Purposes of Life”. He shares his special life calculator which utilizes the numbers from your birth date to enlighten you about your life path. This information can help guide you on your journey. Key Takeaways: Jason’s Editorial: [4:32] The opportunity cycle when supply exceeds demand requires sorting [10:00] The autonomous cars will be virtually everywhere, it’s a game changer [14:45] The problem with statistics [18:57] Land contract options available [21:15] Evaluating properties at the next Jason Hartman University Live event Dan Millman Guest Interview: [24:25] Writing The Four Purposes of Life [26:29] What are the Four Purposes of Life? [28:56] Purpose #4 - Attend to the arising moment [34:15] Increase your quality of presence [35:55] Purpose #1 - Learn the lessons of life a little more gracefully [39:51] Purpose #2 - The difference between your career and your calling [43:04] Purpose #3 - Discover life’s path [47:45] All of my books have their own purpose [48:25] 12 required courses in the school of life [50:00] Contact information for Dan Millman Mentions: Jason Hartman Way of the Peaceful Warrior Insurance.com Property Tracker Property Evaluator App The Four Purposes of Life The Way of the Peaceful Warrior The Creative Compass Life Purpose App A Life you Were Born to Live Everyday Enlightenment

Join Jason Hartman as he interviews author and financial journalist Roger Lowenstein regarding the history of Wall Street’s demise. Roger talks about the increases in choice, risk, hedging, more volatility, and how free markets are open to speculation, greed, fear and manipulation. There are more markets today susceptible to booms and busts. In the old days, local bankers determined loan eligibility. Today, bankers internationally, who don’t know anything about their clientele, determine eligibility, often to the detriment of the borrowers. Roger and Jason debate whether Wall Street needs more regulation or deregulation, and discuss the consequences of government interference. They also talk about many of the Wall Street mistakes and the corporations that were rescued by the bailouts and the unprecedented number of failed mortgages. They end their discussion with observations of the Occupy Wall Street movement. Roger Lowenstein graduated from Cornell University and was a reporter for the Wall Street Journal for more than a decade, including two years writing it’s “Heard on the Street” column. He has published five books, including The End of Wall Street, When Genius Fails, and Buffet: The Making of an American Capitalist. He is also the director of Sequoia Fund. Roger is the son of Helen and Louis Lowenstein. His father was an attorney and Columbia University law professor who wrote books and articles critical of the American financial industry. Roger himself has also written numerous financial articles.

This is a great episode for anyone you know who is just starting out in investing. It leaves little doubt that investing in income properties with a buy and hold strategy is the way to gain wealth. Jason describes the basics to Brian Bain, a stock market investor, and fellow podcaster. He shares examples of how 30-year mortgages on single family homes are a not only a multi-dimensional asset class but also a tax write-off. If you want to hear a concise, easy to understand overview of how to make money in the complicated U.S. financial market, this is the show for you. Key Takeaways: Jason’s Editorial: [1:58] Ben Bernanke and Yogi Berra quotes [3:21] Investors must align their interests with Central Bankers [7:22] Arbitrage - Exploiting the differences in things as a real estate investor [10:43] Jason Hartman University Live Event in Salt Lake City, Utah [11:56] Vacation rental properties in the Orlando market, yes or no? Brian Bain interviews Jason for his “Investor in the Family” podcast: [17:15] His story - Jason started in real estate when he was just a teenager [23:36] Income property is a multi-dimensional asset class and a tax write-off [27:46] A lender cannot sue you if you have a non-recourse loan on a property [31:40] 6 ways the government will deal with underfunded entitlement programs [35:10] Investors should align their interests with governments and banks [37:39] Inflation redistributes wealth better than taxes [40:00] An example of how thousands of people gained wealth from single family homes [49:21] Anything without income is not really an investment [51:07] Long term investments are definitely the way to invest your money Mentions: Jason Hartman Investor in the Family Podcast 1984 - George Orwell

Buying income properties in high-end markets isn’t for everyone. First, you need to be able to raise sufficient capital to purchase the property and then secure top monthly rents from tenants. Sharran Srivatsaa with Teles Properties shares how his company has changed the game in the upscale market by building their own in-house software platform which fits the needs of their specific market and by creating a corporate culture of “do what you do best”. Realtors in their sales division are incented to do only the things which drive positive sales results. Key Takeaways: Jason’s Editorial: [2:52] Commandment #5 - Thou shalt not gamble [4:47] Venture Alliance members Jeff & Shannon have a 22% annual return on investment [6:00] Watch financial documentaries on Netflix [8:50] “A Crisis Era Mortgage Makes a Comeback” from the WSJ [13:20] JHU Live in Salt Lake City, Utah [16:03] The US is unique in all the world with the reserve currency status Sharran Srivatsaa Guest Interview: [23:31] A quick history of the strategy behind Teles Properties [26:00] Agents want to be doing these 3 revenue generating things [27:52] Teles launches new releases of their in-house software platform like Apple does [33:09] How is Teles making California income property work? [35:47] Real cost of adding an additional unit to each property [39:25] Having all of your eggs in one high-end basket [46:04] The Big Short movie [48:06] The Rochester, MN, Huntsville, AL, Raleigh-Durham, NC and Dallas, TX markets [50:44] Raising capital for real estate investments [52:58] Contact Sharran at Teles Mentions: Jason Hartman Jason Hartman University Teles Properties

James Altucher is the Managing Director of Formula Capital and Founder of Stockpickr. He writes the popular blog, “Altucher Confidential.” He is also the author of the new book “Choose Yourself: Be Happy, Make Millions, Live the Dream.” James first went through big publishers but now explains how viable self-publishing is and how he promotes his books. James frequently holds Twitter chats with his followers and has even written books based off these conversations. Now he is paying people to read his new. book. This strategy is already revolutionizing content marketing. James is the first person to pre-sell a book on Bitcoin. He describes his outlook on this currency, and how will it affect gold’s value. Visit Altucher Confidential at www.jamesaltucher.com.

A presidential candidate's health is extremely important considering how presidents of the past have aged prematurely during their time in office. If Hillary is exhibiting current health issues, what condition will she be in four years from now? Her health is just one of the many reasons Jason’s guest, Author Edward Klein, says we should vote to ensure she does not end up in the White House again, this time as POTUS. Hillary is constantly getting caught in unethical activities and somehow escapes prosecution. She may be creating smaller scandals to distract us, the American public, from her illegal activities which are on a much larger scale. Key Takeaways: [2:03] Jason is still in Dubai for the Ad-Venture Alliance trip [4:30] Be on the right side of the commodities which are consumed [7:13] Don’t miss JHU Live on March 12th in Salt Lake City, Utah [9:00] The looming asset shortage [13:16] The wealthy class continues to grow [15:09] It’s an amazing time to be alive [18:54] Meet the Masters online course Edward Klein Guest Interview: [21:30] 60% of people relate the word liar to Hillary Clinton [22:25] Democrats either think you hate women or you are blind to Hillary’s qualities [23:46] Will Hillary be brought to justice for the private email server in her basement? [28:33] Unlikeable includes some unethical and illegal examples Hillary’s indiscretions [29:52] Bernie is putting up a hell of a fight but he’s a communist [31:05] Hillary’s health is an additional issue to consider [32:52] We get the government we are willing to tolerate [34:00] Contact Edward at sign up for his confidential [34:38] Trump represents the insurrection to save Americans Mentions: Hartman Media Jason Hartman University - JHU Live Hartman Education for the Meet the Masters online course Edward Klein The Amateur The Truth About Hillary Unlikeable - The Blood Feud

We start out with the Venture Alliance Group in Dubai and later Naresh asks Jason investment related frequently asked questions about commercial and residential real estate properties, about single family homes, how the need for housing is never outsourced to another country and how the oil surplus is affecting US oil towns. Real estate investment income property is the most historically proven asset class. Real estate properties should be looked at in a market by market basis and when looking for you first or next creative deal make certain you can trust the person you are dealing with. When choosing a partner make sure they have tenure in real estate investing. They should already have a comprehensive network of investors and local market specialists in place before you trust them with your money. Key Takeaways: Dubai Intro: [1:44] Gary Pinkerton joins us in Dubai [3:49] Get out of the stock market and into cashflow investing [7:03] You want those around you to inspire you and make you accountable [8:20] The reluctant investors lament & to stay focused on market rent Investor Question’s with Naresh: [11:51] Is renting a waste of money? [21:43 Defining commercial and residential property [24:44] Large investors need to invest their money into something [28:18] All of Naresh’s businesses have parts which are outsourced overseas [30:54] Getting ripped off when trying to buy properties and creative opportunities [32:39] Is deflation a huge threat to the United States? [37:14] Real estate income property should be looked at on a local market basis [38:00] How will “oil exploration” cities deal with the current oil surplus [40:39] The problems in the energy corridor of Houston Mentions: Hartman Media Jason Hartman Hartman Education - Meet the Masters Course Venture Alliance Mastermind Voxer - JHart88

Jason Hartman invites prior guest Joel Grasmeyer back on the show to talk about updates to one of the greatest software tools for property investors, Property Tracker. Joel started PropertyTracker.com in 2004 after creating and using this software himself to evaluate and keep track of his own investment properties. Property Tracker is a two-part tool, like having a property analysis tool in your pocket. The Property Evaluator tool allows you to analyze and compare properties in which you’re interested, providing a one-year projection on cash flow, cap rate, and return on investment, and a multi-year projection on true rate of return. The Property Tracker tool help keep track of the performance of properties you already own, based on actual income and expenses rather than projections. It also provides an “instrument panel” to let you see when it’s time to buy, hold, sell, or even do a 1031 Exchange. At the end of the year, this tool allows you to print up a Schedule E. Recent enhancements allow the investor to email PDFs to lenders or investment partners directly from your iPhone. Real estate agents can add their own branding to the cover page, heading and footer of the report and email it to potential investors. With the introduction of the iPad, Property Evaluator became even easier to use, with the ability to input more information with full-screen PDF capabilities to email reports directly from the iPad, as well as print the reports from the iPhone and iPad. Available products are the web-based Property Evaluator and Property Tracker, and the standalone apps for iPad, iPhone, and Mac, which is just a one-time fee. There are three versions for the iPhone and iPad: Standard, Premium and Pro editions. Jason highly recommends the software for its multiple uses and benefits at such an affordable price. Jason and Joel also discuss other investment related issues, such as the Affordability Index, cap rates, interest rates, and the different approaches to valuation of properties.

Using your personal credit as a vehicle to obtaining business credit is unnecessary and a waste of time. It is possible for your small business to get higher credit limits by buying a shelf corporation which has been properly aged. If you are doing business in an industry deemed “risky” it may be harder to get business credit, but not impossible. Jason’s guest, Gerri Detweiler shares little known but very important tips and tricks to NAVigating the business credit system including who reports pay schedules and why it’s good to use Facebook like everyone is watching (*hint - it’s because they are). Key Takeaways: Jason’s Editorial: [2:38] Questions from investors about self-management & property appreciation [11:20] Baltimore, Philly and the rest of Pennsylvania [15:10] Kari’s personal rental in California [18:14] Fixing and Flipping? There is an app for that [19:01] JHU Live on March 12th in Salt Lake City, Utah Guest Interview Gerri Detweiler: [20:55] The reason why shelf corporations are attractive [25:22] Leave your personal credit out of your business [28:21] Business credit and small business loans [32:16] Business credit reporting agencies [36:10] The mystery which is business credit [37:55] How do you know whether or not you have a business credit rating? [39:44] Getting started with business credit is very easy so why wouldn’t you do it [41:16] Transitioning to business credit [42:41] Equity crowdfunding and how it gets interesting for business owners [46:46] Character in lending [47:42] Contact Gerri & get the book Mentions: Jason Hartman We Go Look Property Fixer Jason Hartman University Finance Your Own Business NAV Experian Dun & Bradstreet Kiva Zip Corporate Direct

The Birmingham market offers a whole new level of real estate investing. The possibility of owning two properties for what you might pay for one in other markets gives investors twice the opportunity and a bigger portfolio. If your property is listed as Section 8 eligible you are almost guaranteed a rent check every month. The city of Birmingham is focused on re-inventing itself by revitalizing the downtown area. The ROI on these investment properties is just too good to miss. Hurry to sign up for Jason Hartman University Live event in March in the lovely ski destination city of Salt Lake City, Utah. Key Takeaways: [1:56] Who is skipping Flashback Friday? Jason calls you out [5:34] Kari weeds through the local market specialists [11:11] We make local market specialists go through hoops to do business with us [16:35] Possible new projects in Phoenix, Charlotte, St. Louis, Dallas and Austin [22:10] Property Tracker and Property Evaluator help you evaluate real estate deals [24:07] Be sure to sign up for the Salt Lake City, Utah JHU Live event in March Birmingham Profile from Chris: [25:13] Controlling a physical asset is a big draw to real estate investing [26:22] The cost of living and barrier to entry in Birmingham is lower than other markets [27:57] The city of Birmingham has been investing to revitalize the city [29:56] Getting the right contractors and property manager is the key to acquisitions [32:47] Vetting property managers and holding them accountable [36:15] Section 8 investment properties are an almost guaranteed rent check [38:40] ROI on many properties in Birmingham are above 40% [42:19] Qualifications and customizations for target rehab properties [46:53] Home warranties generally don’t apply to our level of investors Mentions: Jason Hartman Jason Hartman University Live Birmingham Properties Property Tracker Property Evaluator

Robert Greene, best-selling author of such books as The 48 Laws of Power, The 33 Strategies of War, The Art of Seduction, The 50th Law (with rapper 50 Cent), and Mastery, joins Jason to talk about his wheelhouse topics – power and strategy. Key Takeaways · Jason’s take on the current state of European real estate investing – are there any likely prospects?· What does it mean to become a master in your field? Why do so few people achieve this level of expertise?· Discovering your calling is easy to say but here’s how you actually do it· How to avoid hitting the proverbial career wall in your 30’s· The telltale clues that you might be an entrepreneur· Charles Darwin’s story – how this unassuming young man became one of history’s most renowned scientists· Lose your self-absorption and increase your manipulative powers· There are more types of seduction than you might realize. Here are 9 of them. How to discover your natural seductive area· How to apply Napoleon’s classic flanking maneuver to your business Links www.powerseductionandwar.comRobert Greene on Wikipedia

Orlando is more than Disney, it’s a well-rounded city. There are major medical companies investing in the surrounding area. There are also basics to the State of Florida which make it a good place to invest. It offers asset protection, has no income tax for its residents and is pro-business and pro-landlord. This hybrid market is ripe and when the real estate market there corrects itself investment properties will appreciate to their proper values. Key Takeaways: Jason’s Editorial: [2:01] To own or rent, that is the question [5:56] City by city comparison for rent to own from Smart Asset calculator [11:30] You can be winning in real estate even if it feels like you are losing [13:37] The bigger the government the smaller the citizen [15:00] Over time linear markets make sense Orlando Local Market Specialist Interview: [19:11] Foreclosures allow you to go cash flow positive in Orlando [19:58] Market basics for achieving cash flow and appreciation [22:58] Judicial foreclosure states versus non-judicial foreclosure states [24:41] Removing the supply drives the price upwards and eliminates cash flow properties [26:06] Buying below replacement costs in Orlando [27:33] Las Vegas may be a massively over speculated, natural growth was needed [29:16] Large companies are investing in Orlando [31:09] Everybody knows Orlando, Florida - It’s more than Disney [37:05] The right team, great deals are available and it’s landlord friendly [38:23] Our management team was built for investors by investors [39:58] Nobody wants an eviction but if it happens our group does it well [44:05] Making the right choice in the real estate market - look 10 years in either direction Mentions: JasonHartman.com Jason Hartman University Smart Asset

Why do financial institutions exist and what is their proper role in our society? Today guest John Taft shares the original purpose and mission of the financial services industry. It may seem Wall Street is unwilling to do the right thing by aligning itself with businesses and helping real people in the real world through investments, but Mr. Taft says there are organizations which are still respected and he believes the system will soon right itself. He leaves us with a timely investment tip which is not to be missed. Key Takeaways: Jason’s Editorial: [3:40] Jason voted with his feet - By leaving a high tax jurisdiction [8:16] Forcing us to provide our own services [10:08] True capitalism doesn’t allow for big corporations like we have today [12:36] Understanding how assets classes react to different economic scenarios [13:24] Join us in Salt Lake City, Utah for our new JHU live event John Taft Guest Interview: [16:35] A modern economy couldn’t exist without a financial system [18:59] Every 10 to 20 years Wall Street forgets what it is supposed to be doing [20:48] Some people go to Wall Street to make the world a better place [25:51] The fundamental function of financial institutions is ... [28:41] Roger Martin is a respected business school dean [31:09] The good news to come out of the financial crisis [34:04] The CFA Institute website [36:19] The importance of financial innovation its function and its purpose [38:38] We are still in a secular bull market for equities Mentions: RBC Wealth Management A Force for Good Stewardship CFA Institute Case-Shiller Index Finance and the Good Society Jason Hartman - Matrix Slides Jason Hartman - JHU live event

Jason talks with Michael Kitces, who is a financial planner and runs the blog Nerds Eye View.

Owning the most historically proven asset class, income property, is getting easier. This new service allows landlords to screen tenants, view credit reports and collect rents from a smartphone or tablet. There are nominal fees built into services like debit card processing and the obtaining of a credit report which are paid for by tenants. Professional property owners now have a one-stop shop for managing their income properties, no matter where they are in the world. Key Takeaways: Jason’s Editorial: [1:24] The devastating news from the stock market, was it manufactured? [5:44] Could the government take away the benefits of the most tax favored asset? [7:37] The entire world economy is 60 trillion in a year and we lost 8 trillion in less than 1 month [9:58] Let’s print more money because there is no limit [12:57] Get free powerpoint slides and a reserve your spot for the next JHU event March Gino Zahnd Guest Interview: [17:12] What exactly is Cozy and how did it start? [20:23] A landlord has access to a tenant’s credit report without the chance of identity theft [22:10] An agent can only use the screening tools or the full-service option [24:59] Can a landlord can still add an application fee to cover their time spent? [27:44] Credit reports & background checks have a fee associated with them via Cozy [29:35] Automated Clearing House (ACH) payments are free between landlord and tenants [32:07] Cozy eats the cost of transactions in exchange for client satisfaction [33:26] 2 ways for a landlord to initiate payments [35:45] Cozy’s goal is to be the best one-stop shop for realizing rent payments [39:52] Rental markets are in the U.S. are fragmented and hard to access [40:50] Cozy is available on your phone or tablet and new services are coming Mentions: JasonHartman.com - For the Matrix powerpoint Cozy @cozyco Hartman Education - Meet the Masters of Income Property Slides

How do families with a high net worth keep, grow and protect their wealth for future generations? They put their families to work in single, family and virtual family offices. The idea behind the resource is to allow the wealth creator of the family enough time and space to create additional wealth while everyday tasks such as investments and insurance can be handled by industry specialists. Basically, when you are ultra-rich you need someone else to manage your daily and long-term financials to avoid possible costly mistakes. Key Takeaways: Jason’s Editorial: [1:26] Is the economic “recovery” a myth? [4:30] The robotics revolution may be the harbinger of creative destruction [7:50] Rents increasing in 2016 - Business Insider article [11:21] Living standards will decline all over the world in the near future [12:43] Making the math work in high tax states in difficult [15:36] Consider your real estate portfolio is a family office [21:39] Venture Alliance Mastermind in Dubai is coming up and a new Jason Hartman University Richard Wilson Guest Interview: [23:45] A family office is a money management system for the wealthy [24:30] There are 14.4K ultra-wealthy people in the world [26:42] Family office terms - multi, single and virtual [30:59] We are in the process of adoption [32:26] The reason Family Offices exist is to curb costly mistakes [38:30] Investors can use real estate strategically [42:46] The Family Office structure should be based on core goals [45:41] Family members run the family offices for a spectrum of privacy [47:22] The U.S. is still the #1 place for value growth [51:22] Traditional and creative ways to work with families [54:15] Contact information for Richard Mentions: JasonHartman.com Dogvacay Rover Venture Alliance Mastermind Hartman Education Mastering the Rockefeller Habits Family Offices The Single Family Office book

Jason Hartman takes a unique middle ground on the Occupy Wall Street protests since Wall Street doesn’t represent capitalism as the right-wing media would have us believe while the left-wing media who supports big government and big unions doesn’t represent capitalism either. Both sides are promoting a fairy tale. A recent Facebook post sums it up fairly well: This whole issue really isn’t that simple. I assume that most of the protesters are clueless folks who need haircuts; however, so is the conservative media (that I mostly agree with) in saying that Wall Street represents “capitalism” – nothing could be further from the truth, Wall Street, banks and mega-corporations are mostly ANTI-CAPITALISM in that they are playing a rigged game with lobbyists, government cronyism and insider dealings at every level. They use lawyers, accountants and PR firms to commit their crimes. There is very little capitalism on Wall Street. If you’re looking for capitalism, look at Main Street, where small business operates under far too much government interference. Jason discusses the powerful “Qualified Written Request” (QWR) letter and how it can be a tool for loan modification, short sale, deed-in-leiu of foreclosure and foreclosure litigation. You’ll also hear a short article from Jason’s newsletter, The Financial Freedom Report, on that all to upsetting topic of “Too Big to Fail.”

Is there a safe place to invest your money within the Chinese economy? Jason’s guest and author of the new Crouching Tiger book, Dr. Peter Navarro says no. He sees through the beefing up of the Chinese military as a way to distract from the economic failure which is drawing near. China is claiming additional territories and it says it doesn’t want conflict with the U.S., but its strained relations with Japan may force the U.S. into defensive mode. Dr. Navarro says he is surprised none of the 2016 U.S. presidential candidates are discussing the issue and stresses foreign policy should be the number one talking point of the future U.S. president. Key Takeaways: Jason’s Editorial: [1:40] Upcoming Venture Alliance Mastermind in Dubai [7:19] Saudi Arabia is Snapping Up US Farmland - Rob Quinn, Newser [12:24] Here’s what you can expect to pay for a rental in 10 major US cities [18:02] Check out our Meet the Master’s of Income Property Home Study Course Dr. Peter Navarro Guest Interview: [20:50] A geopolitical detective story - the story behind Crouching Tiger [23:51] China was the most powerful economy and country for 5,000 years [27:02] This book is designed to educate financial analysts about the geopolitical risks in Asia [28:53] Is the U.S. required to get involved in China - Japan relations? [31:19] Why does the U.S. have 300,000 troops in Asia? [32:30] Creating Wealth listeners should be doing these things [35:20] Japan is an island nation with no natural resources [37:20] Hindi Chini Bhai Bhai - India and China are brothers [40:47] The Chinese economic miracle is over [46:19] Find out more about the Crouching Tiger book and documentary Mentions: JasonHartman.com Venture Alliance Mastermind Avicii Saudi Arabia is Snapping Up US Farmland article Rental Reality - What You Can Expect to Pay for a Rental in 10 Major US Cities article Meet the Master’s of Income Property Home Study Course Crouching Tiger by Dr. Peter Navarro

This episode can be summed up by the popular saying “Everyone is a genius in a bull market”. Many financial hosts warn against taking on debt to build wealth. Jason clearly illustrates why we should be using fixed rate mortgage as a financing vehicle and outsourcing debt to tenants while enjoying the tax advantages. Naresh is not a real estate investor, yet. He has come up with some basic, but necessary questions for Jason which will help him and all of you budding, soon to be real estate income property investors out there. Jason reminds us “real estate is the most historically proven asset class” and carefully lays out his answers in easy to understand, common sense terms. Key Takeaways: Jason’s editorial: [2:35] Predicting market cycles would be easier if governments and central banks didn’t interfere [8:41] The business cycle is an economic concept which affects real estate [10:14] The Reluctant Investor’s Lament poem by Donald Weill [17:46] Everybody’s a genius in a bull market [19:55] Our Investment Counselors are geographically independent, market-wide gatekeepers [23:21] Our organization has relationships with local market specialists which give clients leverage [26:53] New clients need at least 24% cash down when purchasing a property [29:37] The rise of the “debt bigots” [33:38] Debt is a powerful thing, you must be wise with it [34:30] Always use debt as leverage when purchasing real estate income properties [37:09] A fixed rate mortgage guarantees your rate for 30 years plus tenants pay off your debt [38:33] Podcast feeds are divided and education is free Mentions: JasonHartman.com HartmanEducation.com - The Meet the Masters on-line course Venture Alliance Mastermind

Jason Hartman discusses the destruction of America’s great middle class and how to avoid it. Let’s not let the USA become a banana republic. Jason recommends the book War on the Middle Class by Lou Dobbs and his interviews with Rich Dad author Garrett Sutton and Jim Rogers and then he talks about and article received from Chris McLaughlin: Middle class down this decade. The first decade of the 21st century will go down in the history books as a step back for the American middle class. Last week, the government made gloomy headlines when it released the latest census report showing the poverty rate rose to a 17-year high. A whopping 46.2 million people (or 15.1% of the US population) live in poverty and 49.9 million live without health insurance. But the data also gave the first glimpse of what happened to middle-class incomes in the first decade of the millennium. While the earnings of middle-income Americans have barely budged since the mid 1970s, the new data showed that from 2000 to 2010, they actually regressed. For American households in the middle of the pay scale, income fell to $49,445 last year, when adjusted for inflation, a level not seen since 1996. And over the 10-year period, their income is down 7%. Unlike the richest Americans, middle class families have most of their wealth tied up in the equity of their homes, which took a beating in the recession. And high unemployment has left many people with little or no other income at all. At the same time that Americans had less cash to spend, they were also being hit with rising prices for some crucial items. Even accounting for inflation, it still costs more to buy a home, fill your gas tank, go to the doctor and put food on the table than it did only 10 years ago. And not only is it more expensive to live a middle-class life, it costs more to get there too. The price of a college education — still considered the ticket to higherwages and a better lifestyle — has surged over the last decade, even in spite of the recession. Facing these burdens, the American Dream is undergoing stark changes, with fewer people choosing to buy homes and more young people postponing their own independent lives. The census data showed about 14.2% of all young people ages 25 to 34 are still living in their parents’ homes this year, compared to about 11.8% before the recession began in 2007. Next Jason and Sara answer audience questions. Be sure enter sweepstakes for free tickets to “Meet The Masters of Income Property Investing at:https://www.facebook.com/jasonhartman.com

Mike Fernandez’s family was kicked out of Cuba five years after Fidel Castro took over the government. His family landed in the United States with no money, no food and no place to live. His father was able to get work as a short order cook and after just three years he was able to buy a house for his family to live in. Mike was drafted after one semester in college and after providing his service in the army he worked selling insurance policies door to door. It was there he earned his grit and learned to accept failure. He is now a billionaire who runs multiple companies at once. He says to succeed, sacrifice must become part of your journey and it is the execution of the smallest detail which can make or break you. He believes the U.S. gives an equal opportunity those all those willing to try. Key Takeaways: Jason’s Editorial [2:08] Venture Alliance membership is growing, welcome Mike & congratulations to Jeff & Shannon [3:30] Meet the Masters content will be available [4:50] Venture Alliance in Dubai Mike Fernandez Guest Interview: [6:26] Mike’s long journey from Cuba to become the successful entrepreneur he is today [10:43] Changing our focus towards Cuba - Stop hurting the government and help the people [13:36] Using work to validate my life [17:06] Providing healthcare to those with HIV with Magic Johnson [18:05] The U.S. gives everyone an equal opportunity to try [20:53] Only you can hold yourself down, no one else can hold you down [22:42] Mike’s super formula starts with sacrifice [25:10] The best place to invest in real estate will be Miami [26:37] Contact information for Mike Fernandez Mentions: Jason Hartman Hartman Education MBF Healthcare Partners Simply Healthcare Plans Humbled by the Journey Humbled by the Journey on Facebook

You may want to make sure your portfolio is diversified with a big chunk of hard assets before listening to this podcast. Jason’s guest, Adam Taggart, is the coauthor (along with Chris Martenson) of Prosper and The Crash Course. The books describe an upcoming extension of the 2008 credit crisis based on economic, environmental and technology-driven changes. They foresee a period of quick change then markets collapsing from the outside in. Adam shares the book’s eight types of capital. Investing in these eight attributes will allow you to possibly weather the storm economically, physically and environmentally. And even if the storm never comes you will be smarter, more flexible and your wealth will be better protected. Key Takeaways: Jason’s Editorial: [2:13] The next Meet the Masters in next January [3:16] Buy the Meet the Masters Course for 2014 & 2015 [4:36] Income property is the most historically proven asset class Adam Taggart Guest Interview: [6:22] The Crash Course book details how trends will affect our future [11:56] A small shockwave can affect the entire global monetary system [14:07] The unpleasant side of a “glut” of oil and environmental depletions [22:30] Debunking the faith in technology argument [28:33] Economic systems are the easiest to change [32:10] There is more net energy per capita than in any other time in history [33:41] True wealth = The ability to rebound from adversity in any sector [35:16] The 8 key components which make up capital [40:01] The importance of your cultural capital [42:52] The 2008 crisis had plenty of warning signs [45:45] How long can this go on? [49:00] Moving forward people should put their wealth into things which can’t be inflated away [53:58] Contact Adam or learn more Mentions: Peak Prosperity The Crash Course Hartman Education Venture Alliance Mastermind The Future is Better than You Think Longevity & Biohacking Show

George Gilder is Publisher of the Gilder Technology Report, Chairman of the Gilder Group, co-founder and Senior Fellow at Discovery Institute, an original pillar of Supply Side economics, and author of, “KNOWLEDGE AND POWER: The Information Theory of Capitalism and How it is Revolutionizing our World.” The information age is changing our country’s economics. Gilder explains his new paradigm for kick-starting economic growth and how companies outside the tech sector can benefit from Silicon Valley-style information flow. Gilder believes the risks inherent in free enterprise relate to accumulation of knowledge. Gilder also discusses the drivers that lead to poverty as well as the most efficient ways to eradicate poverty.

Technological changes may give real estate investors better tools to access previously unavailable markets, but no amount of technology will ever replace a human’s need for shelter. As long as investors keep their eyes looking forward to the future and stay on top of the increasing number of research tools available they will successfully build a diverse, long-term wealth strategy based upon single family home investment properties. Jason and the Real Estate Guys take a break from their real estate conference speaking engagements to discuss predictions for the future of the real estate investment market, the influx of tenants looking for rentals and how technology is changing investors ability to see beyond their own backyard and experience the benefit of geo-arbitration. Meet the Masters is this weekend & there are still spaces available for our Venture Alliance trip in beautiful Dubai. Key Takeaways: Jason’s Editorial: [1:29] Our archives are split because of limitations in iTunes [6:19] Science has been and will be wrong [12:00] Jason predicted the Obamacare disaster [14:12] The Big Short movie - do not miss it [15:25] Exercise prevents, treats or cure basically everything [19:58] Casey Meyeres CPA will be speaking about taxation with regards to real estate Robert Helms & Russ Gray Guest Interview: [23:43] Real Estate investors have more tenants than ever before [26:31] Single family housing will always be a need [30:16] You can’t keep the U.S.A. down for long [33:18] You must change based on what the market gives you [35:01] Houses will be built, no matter what technology is used [37:00] If big money comes in it will push prices up [41:27] Don’t get stuck investing in your backyard [43:19] Owning single family homes in 3-5 markets is a good diversification strategy [44:07] Contact the Real Estate Guys Mentions: Venture Alliance Mastermind Information Management Network JasonHartman.com RX Nation Holistic Survival Longevity & Biohacking The Big Short movie jhart88 on Voxer Real Estate Guys

Jason answers your questions in this high-level Q&A. The main takeaway from this episode is to buy some properties now. Getting started is often the hardest part for real estate investors. If you don’t start today you may put off creating a wealthy future for yourself and one day realize it is too late. If you buy your properties with the help of Jason’s team you are able to leverage the huge volumes at which they do business. You get seasoned, professional help with your very first property purchase. You don’t have to do this alone! Key Takeaways: [3:26] Oliver was a dedicated listener before working as an investment counselor [9:21] Why doesn’t the whole world know about income property? [11:17] 14 million individual investor-owned single family homes [15:10] Jason answers real listener questions about LLC’s, evictions and identifying markets [17:47] 1.) Buy some properties and 2.) Protect your assets [23:47] How to identify and choose a real estate investment market and the local market team [29:11] Understanding acquisition costs for the Local Market Specialist [32:45] Properties on JasonHartman.com are not necessarily the best deal you can get [34:57] Multiplexes or single family houses? Which is better for cash flow? [38:46] Higher priced properties have lower rent to value ratios [40:15] Meet the Masters event is coming up - you can still get a ticket [41:35] Venture Alliance trip to Dubai on President’s Day weekend Mentions: JasonHartman.com The Asset Matrix Presentation Venture Alliance Mastermind

Jason talks with real estate “artist” and 5-time international best-selling author, philanthropist, risk-taker and visionary, Frank McKinney, who sees opportunities and creates markets where none existed before. McKinney’s first job earned him $180 a week digging sand traps on Deerfield Beach golf course. At age 22, he bought his first $50,000 fixer-upper, selling it a few months later for a $7,000 profit. Now, over 23 years later, he creates real estate markets where others dare to tread. He has built spec homes (without a buyer) valued in the tens of millions of dollars. A true maverick, he is without peer in the risky world of speculative high-end real estate, shattering price records with each new project. And his latest? McKinney just completed “Acqua Liana,” the world’s largest and most opulent triple certified (USGBC, FGBC & Energy Star) “green” mansion at $29,000,000. Each of the estate homes he creates is a one-of-a-kind work of art, infused with vivid imagination and designed on a canvas of sun-drenched Atlantic ocean. Prior to the completion of his new multi-million dollar “green” mansion, he sold, with an asking price of $50 Million, the largest and most expensive spec home ever created, containing 72 rooms, 32,000 square feet, 12 bedrooms, 18 baths, and a 14 car garage. McKinney has created and sold 36 oceanfront properties with an average selling price over $14 million. In addition to his real estate artistry, Frank McKinney has now become a five-time international bestselling author. In addition to his first two books, McKinney just released three new books simultaneously, each representing a distinctly different genre. All three books are published by Health Communications, Inc., best known for the Chicken Soup for the Soul series. Mr. McKinney’s new titles are; 1.) The Tap, 2.) Burst This! Frank McKinney’s Bubble-Proof Real Estate Strategies, and 3.) Dead Fred, Flying Lunchboxes, and the Good Luck Circle. His vision and risk-taking has been the subject of numerous international television, radio and print features. McKinney was recently featured on ABC’s 20/20 with Martin Bashir, the cover of USA Today, the Oprah Winfrey Show, CBS’ The Early Show, CNN, Discovery Channel, Travel Channel, HDNet, CBN TV, National Public Radio (NPR), in The Wall Street Journal, NY Times, Bloomberg, Fortune, Barrons, Town and Country, Robb Report, The Nightly Business Report (PBS) and in over 1500 additional TV and print stories. Several areas are covered in this exciting episode ranging from real estate, motivation, marketing and spiritual growth. Next up – one of Jason’s all-time favorite mentors, Dr. Denis Waitley, on The Psychology of Winning and The Seeds of Greatness.

This episode includes a summary of Inman.com’s 2016 real estate predictions and how the spending bill passed by congress last week included a tiny piece of legislation designed to limit the ability of financial advisors who only promote high fee products to their customers. And, like I always say, “It’s a great time to be alive”. I tell you about my trip to Arizona driving my new semi-autonomous Tesla and how the motor company is leveraging crowdsourced data to build a better road trip. Key Takeaways: [2:18] Join us at the Meet the Masters event to get started on your goals for the New Year [4:08] Financial advisors might have to start giving you sound advice - article from Newser [9:24] The spending bill which cleared congress last week [11:55] Why Jason doesn’t confront his guests? [20:30] Tesla Motors aggregates data to enhance the driving experience [22:40] Brad Inman’s 2016 real estate predictions [25:41] Was the 10.5% drop in home sales linked to changes in closing procedures? [29:05] The era of the empowered investor [34:54] Will Uber team up with a real estate company for instant access to showings? Mentions: JHart88 on Voxer JasonHartman.com Venture Alliance Mastermind Newser The Big Short movie Inman.com Waze Opendoor Real Estate Tools

Jason ushers us into this episode by taking us through Julie Malinowski’s article “6 Trends Among Landlords and Tips to Outperform the Norm”. He also reminds us there are a few tickets left to the upcoming Meet the Masters event and about the upcoming Venture Alliance Mastermind in Dubai. In today’s guest interview, Alvin E. Roth has written a book about markets. If you are wondering what type of market, as Mr. Roth tells us himself, it’s not important what type of market. It’s the market itself. He guides us through the interview discussing chapters of his book, “Who Gets What and Why” with real life examples of the organ donation market, the online matchmaking market and even shares his thoughts on how realtors have survived in our internet-based, do it yourself economy. Key Takeaways: Jason’s Editorial: [2:42] Does ISIS really make over 1 Billion dollars a year? [3:50] Gino from Cozy will be speaking at Meet the Masters [4:44] Getting ripped off [7:45] Julie Malinowski's article about 6 important property management trends and tips [19:28] The 17th Meet the Masters event is coming up and there are a few tickets left [20:35] Join the Venture Alliance Mastermind group during February in Dubai Alvin E. Roth Guest Interview: [21:56] The rules of a marketplace constitutes its design [25:15] Alvin Roth analyzes the surprising U.S. real estate market [28:30] Give realtors the 6% they deserve? [33:10] Matching markets allow you to choose and to be chosen without pricing [34:30] The matching market of organ donations i.e., kidney exchanges [37:51] What rules should apply to repugnant transactions [42:40] The government both interferes and supports all types of contracts [45:19] “Who Gets What and Why” can be used as a field guide to markets [46:28] How to understand signals of interest [47:46] The matchmaking market signal experiment [50:34] Contact information for Alvin Roth Mentions: JasonHartman.com Venture Alliance Mastermind EZ Landlord Forms 6 Trends Among Landlords and Tips to Outperform the Norm Who Gets What and Why Redfin Living Kidney Donors Network Match

Jason is feeling generous… Enjoy an entire free issue of The Financial Freedom Report. Here is our source for innovative, forward-thinking investment property and home-based internet business strategies and advice. Income property investing is the most reliable path to wealth. History has proven it time after time. So, why do people still waste their time and energy with Wall Street’s pitiful selection of junk stocks and laughably inefficient mutual funds? Who knows? Our guess is financial media payola and herd mentality – like buffaloes following the leader in a blind charge over a cliff. Finally, here’s your chance to discover how to create real wealth in America today. Obviously the question is “How do I get there from where I am?” This insurmountable hurdle is what stops most people. They have a hyper-inflated concept of how much money it takes to get started. The truth is,”Not That Much!” The sky really is the limit when you have access to the right information. Information that tells you whether or not an investment makes financial sense the day you buy it. You need to know: Why you shouldn’t believe the “national housing market” myth:– 41 cities around the country hot for investing right now and the hottest micro-markets within them.– How to tell at a glance if a property is a sweet deal and, more importantly, how to avoid the portfolio killers.– Government policies that are destroying your savings, stocks, bonds, mutual funds and equity every single day.– Secret ways you can grow wealthy from inflation while everyone else is moaning “The Economy is Killing Me” blues.– How to apply unique arbitrage techniques to income property and skyrocket your wealth, while almost completely eliminating downside risk. These may be pretty bold claims but income and wealth education pioneer, Jason Hartman, has built a career and a company on putting his money where his mouth is. If you want to create the kind of life-changing wealth Wall Street and other investment schemes promise but never deliver, Jason’s team of Investment Counselors would love to tech you how. They decided the best way to get this cutting-edge investment knowledge out to you is in a premium monthly newsletter, Jason Hartman’s Financial Freedom Report. This newsletter is like nothing you’ve seen before. It vanquishes the guesswork and uses clear language to describe the strategies of how you can implement income property investing the right way. Re-create the exact steps Jason used to become a multi-millionaire. In addition, expect spot-on analysis of the real world of property investing in each lengthy, full-color, wealth creating issue. We strongly suggest that you do not take the risk of investing without it. If you are exhausted from trying what doesn’t work and ready to create significant wealth in your life right now and protect what you’ve earned, the choice is very simple – Jason Hartman’s Financial Freedom Report. It’s $197 annually for email edition; however, you can enjoy this issue with our compliments.

What makes the U.S. so great? What could lead to its financial demise? Our guest, John Addison answers both of these questions and makes some predictions for the future of our great nation as only he is uniquely qualified to do. He is a veteran of the financial services industry and currently shares his extensive knowledge through public speaking engagements. During the course of our conversation, he gives millennials savings advice and warns us about the problems of national debt and entitlement programs. Key Takeaways: Jason’s Editorial: [2:33] Merry Christmas from Jason! [3:47] Upcoming monologue episodes [4:25] Download Voxer and contact Jason @jhart88 [6:00] So, tell us about the new Tesla S and Elon’s dream [15:23] Meet the Masters dinner is full [16:30] Founder and CEO of Cozy Co. will be speaking [17:32] Venture Alliance Mastermind in February John Addison Guest Interview: [18:44] The history of Primerica [20:42] Middle-Market America has been ignored by the financial industry [23:20] Delivering financial products is Primerica’s core value [25:12] A question of the savings component [30:49] Living beneath your means when you are young [32:43] 108,000 independent representatives sell Primerica products [35:31] In 1990, Primerica was sold and became Citigroup [40:38] Sharing his life through public speaking [42:56] This biggest challenge this economy has is it’s ability to grow [46:13] The U.S. has the top capital market in the world [49:09] Always look out for this… [51:09] Main Street feels helpless [53:24] U.S. debt and growth of entitlements are our biggest issues [57:43] John’s advice to young people “Get paid for something you love” [58:53] Contact information for John Mentions: Voxer Tesla Cozy Realtor.com Venture Alliance Mastermind Addison Leadership Group Success Magazine JasonHartman.com

Our Meet the Masters of Income Property event is coming up soon and to start prepping for the affair Garrett Sutton introduces us to his topic of discussion for the event, asset protection. We talk about his new book and strategies for protecting your assets. During the guest interview, Emily Filloramo helps us to unlock the fear and shame which may be holding us back from being the best we can be. She describes how childhood traumas may have a lasting effect in our business and personal lives. We need to recognize our negative self-talk and analyze our personal protective systems. Key Takeaways: Garrett Sutton Intro: [2:23] Asset protection advice from someone who knows the business [4:09] The State of California is the worst place to do business in the U.S. [7:11] What is your asset protection strategy? [8:47] Series LLC’s [10:16] Garrett has 10 books including 6 in the Rich Dad Advisor series and his new book [12:04] Meet the Masters of Income Property, extra tickets are available [13:04] Venture Alliance Mastermind meeting is in Dubai - Get your tickets now Emily Filloramo Guest Interview: [15:00] Pieces of ourselves which hold us back [17:27] Going deeper to identify the part of you which is afraid of success [18:52] People live through a mask especially in their 20’s and 30’s [21:15] Feeling shame and not belonging at a young age [23:47] Arrogance is a sign people are hiding shame [25:18] Understanding psycho-spiritual healing [28:44] Is it safe for you to reach a goal is a question which identifies negative self-talk [31:07] A Nelson Mandela quote [33:05] Self-sabotage in the face of fear [36:36] Analyzing your protective system [40:41] Contact information for Emily Mentions: Garrett Sutton Finance your own Business - Garrett Sutton Jason Hartman Venture Alliance Mastermind How to Permanently Erase Negative Self-Talk So You Can Be Extraordinary Be More Extraordinary [email protected]

Jason Hartman talks with the founder of USAWatchdog.com, Greg Hunter, who has nearly nine years network experience as an investigative correspondent. He worked for ABC News and Good Morning America for nearly six years. Most recently, Greg worked for CNN on shows such as Paula Zahn Now, American Morning and various CNN business shows. Greg is a hard hitting reporter who has a history of getting to the truth no matter how difficult the subject. Some of his stories include “Dangerous Deadly Depleted Uranium Munitions,” where Hunter uncovered the Army’s lack of warning for radioactive dust exposed to our troops on the battlefield. In a story called “Produce the Note”, Hunter uncovered in 40 percent of foreclosures the bankers cannot prove they legally own the property. If an embattled homeowner knows that fact, it could mean the difference between being thrown out in the cold and having a roof over his head. And in a report in March of 2008, Hunter exposed the hidden fact the banks were in trouble and the economy was headed for a fall. Greg warned viewers of the coming problems long before other reporters picked up on the looming financial catastrophe. In 2009, many in the mainstream media said things such as “no one saw the crisis coming.” Hunter joined ABC News in 1999 from WTSP-TV in Tampa. He has earned a “National Headliner Award,” an International “Freddie Award” for health and medical reporting, as well as investigative reporting awards from both the “Society of Professional Journalists” and the “Radio Television News Directors Association.”

If you were on the fence about Wall Street being the modern version of organized crime after listening to this episode you may quickly empty out your retirement account and invest it in income property. Putting clients interests after their own is perfectly legal in today’s mutual fund industry and even the supposed protective watchdog agency, FINRA gets all of their funding from Wall Street. Our guest, Bobby Monks, helps us, the average investors to demystify the market and advises us on safer places to invest our money (it’s real estate! Who knew?). Key Takeaways: Jason’s Editorial: [1:58] What questions are we asking ourselves? [6:56] How to be grateful for and enjoy everything in life [7:55] Changing your question changes your life [9:55] The Venture Alliance Mastermind Dubai trip still has a few tickets Bobby Monks Guest Interview: [12:36] Bobby truly is an insider [14:03] Is Wall Street systemically corrupt? [15:46] Breaking down the elements of kickback fees in retirement accounts [18:46] What can investors do to fight back [20:01] Average investors should negotiate like the institutional investors do [22:21] And it’s all perfectly legal [24:08] FINRA is a lap dog, not a watchdog [26:45] FINRA is a self-regulatory organization created 2007 paid for by Wall Street [28:43] Demystifying the system for the average investor [29:59[ Index funds have their problems too [32:08] Why real estate is a better investment than money market [36:11] Institutional Shareholder Services is the real Wall Street watchdog [38:53] Contact Bobby and get the book Mentions: Facebook - JasonHartman.com Venture Alliance Mastermind Bobby Monks Spinnaker Trust Uninvested FINRA ISS

It’s a great time to be alive. Technology allows us to communicate and collaborate with a country and it’s people, anytime day or night. We can use air-conditioning to deep freeze conference rooms and take jumbo jets to Dubai for amazing educational seminars. Our guest, Jane Root has transformed major networks with what she calls clever pleasure. She searches out engaging true stories and backs them up with interesting facts to inform and entertain us. Her latest project The 2000s: A New Reality is available on National Geographic and Youtube. Key Takeaways: Jason’s Editorial: [1:25] Predicting the future and investing for cashflow [2:51] Yogi Berra quote [3:24] A VIP dinner before our Meet the Masters [5:04] The smartphone is intelligent more intelligent than NASA in 1969 [6:44] Middle-class plummets to less than 50% in the U.S. [16:02] Tony Robbin’s air-conditioning abuse [20:36] Tony Robbins powerful event therapy [22:32] The Venture Alliance trip in Dubai [23:26] Proximity is power Jane Root Guest Interview: [25:43] The 2000’s show us the world is a strange place [27:42] The 80’s monetized and the 90’s economized [33:04] Napster led the way for the iPod [35:19] Some real stories from the 2000’s are comedies [36:51] Enron was a big production to disguise what was really happening [38:26] Technology came alive in the 2000’s [40:04] Trends came together with collaboration [42:32] Fun facts about the 2000’s you may not have known [43:47] Contact information for Jane Mentions: Nutopia Discovery Channel Networks Yapp app Newser Middle Class Plummets to Less than 50% article Jason Hartman Venture Alliance Mastermind

Jason discusses commercial real estate and the value of housing vs office and retail properties. Next, a radio interview on Platinum’s Predictions White Paper Special Report with an exclusive “ROI Build” profiling over 30 markets nationwide including The S&P/Case–Shiller Home Price Indices. The White Paper includes forty (40) pages of unique information, innovative thinking, including executive summary, numerous charts and graphs, narrative information you will need to make wise decisions in 2010 and beyond. Also included are market predictions of over 30 markets nationwide including Platinum’s exclusive ROI build showing projected return on investment for each market – NOBODY ELSE DOES THIS!

Personal savings is designed to be built over time. Gold is an asset which may not be growing exponentially, but it continues to hold its value. Our guest, Joshua Crumb, runs the service company BitGold. BitGold is a software-based service which allows users to sign up at no cost and to buy gold or other precious metals at any time and in any amount they choose. Joshua has an extensive background including working for Goldman Sachs in the Global Economy division. He shares his thoughts on inflation, flaws in the federal system and his thoughts on why millennials may not have the leverage to invest in real estate. Key Takeaways: Jason’s Editorial: [1:20] Kudos to Elizabeth and Debra in Tony Robbins organization [3:18] No Voxer messages today, but you can record questions [3:55] 2 medias in the world - the monologue and the dialogue [8:36] The IMN conference - get the slides from the presentation free of charge[10:15] Meet the Masters event is just about sold out[10:41] Tony Robbins talks about 6 human needs ● Certainty● Variety● Significance● Connection and Love ● Growth ● Contribution[14:35] 3 questions from the event [17:16] Venture Alliance Mastermind Dubai trip is coming up Joshua Crumb Guest Interview: [18:20] Joshua worked for Goldman Sachs in Global Economic Strategies [19:52] Gold really isn’t an investment [21:45] Savings is designed to be accumulated over time[23:12] Gold may not be growing but it is holding its value[27:25] Feedback on Peter Schiff’s predictions[28:59] Millennials don’t have much leverage [30:28] 2 important trends happening in the U.S. economy [33:00] Long-term inflation is low [34:14] Joshua believes inflation will increase[35:56] Conspiracies may exist but no one can prove it [36:20] BitGold makes it easy for anyone in the world to buy gold[37:26] Brinks manages your gold and it’s insured with BitGold[38:47] The service is fully redeemable and you can access your gold at any time[39:45] BitGold is basically a software[41:50] Spending your gold by way of a pre-paid Mastercard[44:10] Comparing the risks between a saving account of gold and a bank account [45:34] BitGold is only 4 months old but has 350,000 users Mentions:jhart 88 on Voxer - for answers to your questionsJason Hartman - for IMN slides Venture Alliance MastermindBitGold GoldMoney

Small businesses have always found it difficult to find new customers, but technology has now made it possible for their customers to find them. Aggregation websites allow individuals to connect with service providers based on a simple search of a need they have. This sharing economy, dubbed the gig economy, offers flexibilities and opportunities previously not available to many workers. Jason and Jon Lieber discuss the benefits of this economic atmosphere. the multitude of companies who offer these types of flexible opportunities and the crushing impact government regulations would have on both small business owners and the workers they contract. Also, early in this episode there is a Voxer communication between Jason and a long time Creating Wealth listener you shouldn’t miss! Key Takeaways: Jason’s Editorial: [1:57] Geographically independent living [3:53] Is there a flood of Chinese money flowing into the U.S. real estate market? [5:52] Does the U.S. real estate market improve when the stock market drops? [7:44] Making money through investments or through a business [9:14] Only 8 tickets left for Meet the Masters [9:39] Join us for the Dubai Venture Alliance trip [10:08] Tough questions for Jason from a Creating Wealth listener via Voxer Jon Lieber Guest Interview: [34:50] Thumbtack connects individuals with small business professionals [36:31] Finding work with your smartphone is possible through technology [39:06] Aggregating insurance issues [39:40] Thumbtack works with independent contractors by facilitating the introduction [41:52] Finding new clients is a contractor's most difficult task [44:23] A cost effective way to bring humans together [45:54] The social safety net applies to employees but not independent contractors [48:22] People still struggle to find work even when using aggregators [50:13] Small businesses may not be able to employ a full-time worker but can offer flexible work [51:27] Flexibility is the key to these new job opportunities [53:42] If the government starts regulating the cost will be passed on to workers and consumers [57:01] Millions of small businesses are having difficulty dealing with government regulations Mentions: Thumbtack @lieber2k Four Hour Workweek Chinese Cash Floods U.S. Real Estate Market - New York Times article Voxer - Contact Jason on jhart88 JasonHartman.com Venture Alliance Mastermind TaskRabbit Pro Uber Lift Sidecar Fiverr

Jason talks with Harvey Mackay author of the New York Times #1 bestsellers Swim With The Sharks Without Being Eaten Alive and Beware the Naked Man Who Offers You His Shirt. Both books are among the top 15 inspirational business books of all time, according to the New York Times. In total, Harvey’s books have sold 10 million copies worldwide, been translated into 37 languages and sold in 80 countries.

NeighborhoodScout is an online data tool you can use to make real estate evaluations a breeze. Simple searches serve up quality information. The information is used by government agencies, real estate investors and individuals alike. Today’s guest, Dr. Andrew Schiller, the creator of the site, has a Ph.D. in geography, focusing in sustainable development. Key Takeaways: Jason’s Editorial: [1:43] Jeff uses Voxer to ask Jason about startup costs [7:09] General observations from the IMM conference in Scottsdale, AZ [9:04] Embrace the fragmentation, 11K homes are owned by investors with less than 5 properties [10:50] REITs is just not profitable, say some [12:45] Meet the Masters of Income Property in January [13:20] The Venture Alliance Mastermind trip to Dubai Dr. Andrew Schiller Guest Interview: [14:48] A Ph.D. in geography, using data for sustainable development [17:29] Predicting crime risk at the individual address level [17:49] Labeling real estate based on financial predictors [18:50] Neighborhoodscout serves over 1 million people a month [20:53] Analysing the raw data for vacancy rates and trends [25:55] What should an investor be looking for when using NeighborhoodScout [27:28] Communities with good schools maintain their value during tough times [31:33] Other factors to consider when investing in income property [34:29] The tipping point for stable rentals [36:35] Why on earth would students take on 4 times the debt than their first job would pay? [39:09] Our information on crime is very telling, Oakland, CA is the most expensive dangerous city [42:58] Derby Street in Berkeley, CA, why is the crime so high? [44:10] Inexpensive and safe places are available in the U.S. [47:20] The perfect place for Jason to live [49:10] How to use a subscription to the website [50:01] The Federal Reserve and HUD use NeighborhoodScout for tax credit info [52:43] Meritocracy Mentions: Voxer - Find Jason at jhart88 JasonHartman.com REITs Venture Alliance Mastermind NeighborhoodScout Location Inc NEA

Today we speak with Marshall Saunders of Saunders Dailey. Saunders was named one of Swanepoel’s 200 most powerful people in residential real estate and is the recipient of RISMedia’s 2013 Tech Titan award. Saunders started pursuing his interest of community funded real estate in 2014. He thinks crowdfunding will be a major game changer for individuals who would like to invest smaller amounts of capital than normally required through traditional IPOs. He describes the history of crowdfunding, the impact of 2012’s Job Act and how banks and mortgage companies may respond to this investment type in the future. The upcoming Meet the Masters Event is almost sold out. Go to JasonHartman.com to get your ticket for this educational event. Key Takeaways: Jason’s Editorial: [1:40] Upcoming Creating Wealth show schedule [3:41] The World’s First Cashless Society article from Nick Giambruno [7:33] Governments tighten the reigns to remove symbols of value [9:51] Buying properties through our network [10:35] Landlord friendly Arkansas; an example investment [14:35] Join Platinum Property Tracker on our resources page [16:10] Use Voxer and contact me on JHart88 to have your questions answered on air [17:11] The Venture Alliance trip to Dubai and Meet the Masters event Marshall Saunders Guest Interview: [19:51] Crowdfunding is a game changer for investing in startups [22:30] Democratizing the investment system [25:35] Crowdfunding has a long history and in 2012 the Jobs Act was signed [29:21] Title 3 of the Jobs Act will draw lines on investing in Crowdfunding opportunities [32:02] Investment opportunities for questionable investments will grow [35:11] A third less filling than your typical IPO [35:35] Setting up and selling shares of LLC’s via crowdfunding [38:16] Buying equity in bulk [40:23] Will individuals turn to crowdfunding sites to pay the mortgage of their single family home? [42:11] Real estate crowdfunding sites raise money for debt offerings [44:23] Mortgage companies may require higher down payments [46:41] Do banks prefer foreclosures based on mortgage insurance payouts? [48:35] Contact info for Marshall Saunders and final thoughts Mentions: Jason Hartman Platinum Property Tracker Venture Alliance Mastermind Saunders Dailey The World’s First Cashless Society article from Nick Giambruno Kickstarter Voxer - The best way to communicate ever

Jason talks with David Allen who is widely recognized as the world’s leading expert on personal and organizational productivity. His twenty-five-year pioneering research and coaching to corporate managers and CEOs of some of America’s most prestigious corporations and institutions has earned him Forbes’ recognition as one of the top five executive coaches in the world and Business 2.0 magazine’s inclusion in their list of the “50 Who Matter Now.” Fast Company Magazine has also called David “one of the world’s most influential thinkers” in the arena of personal productivity, for his outstanding programs and writing on time and stress management, the power of aligned focus and vision, and his groundbreaking methodologies in management and executive peak performance. He is also the engineer of GTD, the ground-breaking Getting Things Done methodology that has shown millions how to transform a fast-paced, overwhelming, over-committed life into one that is balanced, integrated, relaxed, and has more successful outcomes. GTD’s broad appeal is based on the fact that it is applicable from the boardroom to the living room to the class room. It is hailed as “life changing” by students, soccer moms, entrepreneurs and corporate executives. A consultant, educator, and popular keynote speaker to such diverse clients as Citigroup, General Mills, Stanford University, New York Life, Microsoft and the US Navy, Mr. Allen continues to enjoy delivering his sold-out Getting Things Done seminars to ever-expanding public audiences in cities throughout theUnited States, Asia, Europe and South America. David is the founder and President of the David Allen Company, whose inspirational seminars, coaching, educational materials and practical products present individuals and organizations with a new model for “Winning at the Game of Work and Business of Life.” He continues to write articles and essays that address today’s ever-changing issues about living and working in a fast-paced world and attaining a work-life balance. He lives in Ojai, California with his wife Kathryn. David is the international bestselling author of Getting Things Done: the Art of Stress-Free Productivity and Ready for Anything: 52 Productivity Principles for Work and Life.

Today’s motivational speakers tend to focus on the mechanical keys to success and forget about the bigger picture of the context behind the content. True philosophers understand what drives humans to succeed and the beauty of being grateful for they have. And in the interview, Finding an alternative to a traditional bank loans may not be as hard as you think. In addition to hard money lenders, financing companies such as Visio Financial offer short and medium term limits with significant interest rates. They offer no document loans which simply require a credit score to secure financing. The higher your score, the lower the rate. Key Takeaways: Jason’s Editorial: [1:38] The concept of gratitude is a philosophical key to success [6:40] An experience in Africa reflects the human ability to be grateful for what you DO have [8:17] Poem excerpts from Og Mandino [10:21] Jason’s crystal ball says…Warren Beatty is vain and Bitcoin funds terrorism [13:24] The ultimate investing equation [14:50] Meet the Masters of Income Property in January & the Dubai Venture Alliance trip [15:32] A killer messaging app - Send us Voxer message Jeff Ball Guest Interview: [19:35] We started out as a captive lender then extended into government sponsored loans [21:03] Our products family includes interest only and medium-term financing, all document free [23:20] We offer loans to investors who have reached their Fannie limit [26:31] Buy and hold financing at 12% on a 3-year balloon, 65% LTV [28:17] What about Dodd-Frank compliance? [30:01] We have multiple sources of capital which include banks and credit funds [31:18] The higher your credit score the lower your interest [31:53] Bridge financing is an interest only product option [33:04] An innovative example of a way to use our products [34:50] Go to our website and tell us what you want and get immediate pricing [35:41] Jeff’s overall view on the economy [38:24] What is the margin of error in flipping? [40:31] While it may be a good time to be a landlord, it may be hard to find good rental properties [41:31] Moving doesn’t make sense to people with great mortgages [44:48] Our annual survey is available on our website Mentions: Mission Success! - Og Mandino Good to Great - Jim Collins Venture Alliance Mastermind Voxer - contact Jason with your questions at jhart88 Visio Financial Services Econohomes

Self-management tools often boast ease of use and shortcuts to save you time but don’t always deliver. Cozy and Landlordology are property management tools which offer end to end online self-management solutions. Both tenants and property managers benefit from the monthly automatic rent collection feature as well as the integrated application process. If you think doing a background check along with a credit report will help qualify renters qualifications then sign up for Cozy today. Key Takeaways: Jason's Editorial: [1:20] What time is it? It's an amazing time to be alive [2:44] Income investment strength versus deflation [5:00] Deferring your tax liability [7:02] Inflation induced debt destruction [9:03] Debt transfers wealth from the lenders to the borrowers in an inflationary environment [10:33] What gets rewarded, gets repeated [10:57] Deflation makes debt more burdensome [13:40] Use the voicemail feature at Jasonhartman.com for your questions [14:09] Sign up for the Meet the Masters event in Dubai Lucas Hall Guest Interview: [16:27] Lucas teaches managers how to manage their own properties [18:23] You need to get your message out there - try postlets [19:56] Hire a real estate photographer for great photos of your property [24:44] Going over your general requirements before meeting at the property will save time [26:04] A 2-year lease provides extra security for the tenant [27:34] What is a landlord’s open house? [29:28] Possible new tenants can submit an application as soon as they leave the property viewing [31:20] Cozy is an end to end property management platform [35:09] Rent collection can be difficult for property managers [40:47] Property managers can garnish wages to collect back rent [41:51] Automating your rent collection will make it easier for owner and tenant [42:39] Resources are available on Landlordology.com Mention: JasonHartman.com Venture Alliance Mastermind Landlord Ologist Cozy Craigslist Postlets Circlepix Click Notices

intrusive passing of the tax provision of Obama’s healthcare plan. This has created a fissure in the Constitution, a horrible outcome that opens a door to the government violating our civil liberties. Jonathan breaks down the consequences of the violations, such as our liberty to choose and right to privacy in the interest of a government mandate that only benefits the government. Moving on to TSA, Jonathan divulges the massive problems with this act. “The TSA is an institution that is riddled with corruption and riddled with abuse,” he explains. The elderly, pregnant women, infants and disabled individuals with no record of criminal activity are being subjected to humiliating and highly intrusive searches all over the U.S. Jonathan defines the difference in tactics from a defensive position versus an offensive position, with the latter producing far better results. He advocates training the citizenry to be more aware of suspicious behavior and to better defend themselves. Jonathan gives an update on the work against the FDA and the First Amendment. Jonathan W. Emord is one of the nation’s leading free speech attorneys. He has defeated the Food and Drug Administration a remarkable eight times in federal court, more times than any other attorney in American history, earning him the title, “FDA Dragon Slayer.” He is the 2007 recipient of the Cancer Control Society’s Humanitarian Award for “winning and preserving our great civil rights to life, to liberty, and to health freedoms.” He is the only non-scientist ever appointed to the Certification Board for Nutrition Specialists and serves as that organization’s Vice Chair. In 2010, he became the first person awarded the title “Honorary Nutrition Specialist” by the CBNS. Congressman Ron Paul says “[a]ll freedom-loving Americans are in debt to Jonathan Emord for his courtroom [victories]” and calls him a “hero of the health freedom revolution.” Formerly an attorney in the Reagan Administration’s Federal Communications Commission, Emord has practiced constitutional and administrative law in Washington, D.C. for the past twenty-five years. He has been a Guest Lecturer, Georgetown University, Department of Biochemistry, Course in Nutrition. He is on the Review Board of the Journal of Food Product Marketing and International Journal of Food & Agribusiness Marketing. He is routinely consulted by industry, Congress, and the media on regulatory issues that affect health freedom. He is the author of four critically acclaimed books: Freedom, Technology and the First Amendment (1991); The Ultimate Price (2007); The Rise of Tyranny (2008); Global Censorship of Health Information (2010); and Restore the Republic (2012). Mr. Emord is the American Justice columnist for USA Today Magazine.

Say this 10 times real fast, Inflation Induced Debt Destruction, now make it your mantra. Would you like someone else to pay your bills for you? Well when you buy income property it is exactly what happens. Your tenants pay down your debt while your property appreciates. Today, Jason outlines a chart from way back in the Creating Wealth archives. He will make the chart available to all of you listeners soon. The chart introduces the intricacies of inflation. He then takes us through most of the asset classes and how they perform against inflation. Key Takeaways: [3:30] 3 Types of markets are linear, cyclical and hybrid [6:02] Published reports and statistics can’t be trusted [9:53] Will your kids ever learn to drive a car? [11:53] A 16 year cyclical market (Orange County, CA) compared to a linear market (Lansing, MI) [12:50] Commandment #5 - Thou shalt not gamble. The property should make financial sense [16:58] What time is it? It’s an amazing time to be alive! [19:50] The Meet the Masters Event is coming up. Garrett Sutton will be there. [20:33] Asset class top performers [23:12] Inflation induced debt destruction [23:59] Waiting, substitution and hidonics make people believe inflation is lower than it is [24:52] Outsourcing your mortgage debt to tenants, they are paying your debt [27:33] The problem with the Affordable Care Act aka Obamacare [30:34] Rental income is governed by housing affordability [32:00] Stock markets can be manipulated and are medium-low indexed to inflation, [33:33] Cash & taxes are low strength versus inflation - taxes aren’t calculated for inflation [38:20] Low information people are clueless about the government [39:35] Income property investors can turn the tables on the government [40:39] Join the Venture Alliance Mastermind in Dubai Mentions: The Wayback Machine How to Lie with Statistics JasonHartman.com Garrett Sutton Venture Alliance Mastermind

If you’re still allowing property managers to bill you max amounts every month you need to tighten up your monthly discretionary allowance. You will be consulted every time a repair is projected beyond $200. Also, minimize the unprofitable downtime of renters moving in and moving out by signing a 2-year lease with your next tenant. Include the rent increase for upcoming year so your tenants are prepared to pay in advance of the increase. They will appreciate it. And in our interview, wouldn’t it be nice to see an interesting property on the internet and send someone else halfway across the U.S. to take photos of it for you? What about checking up on one of your existing properties to inspect the hail damage first hand? WeGoLook has an army of 20,000 “lookers” who can send you photos, videos or answer specific questions. They are even able to visit the local municipality to perform a title search. Key Takeaways: Jason’s Editorial: [1:30] The unbelievable events in Paris are not a new thing [6:22] There may not be peace until war is not profitable [7:52] What does the current hostile environment mean for investors? [8:22] The 6 ways to get out of the government debt slavery complex [9:36] What is wrong with American Airlines and US Air [12:59] MInimize your downtime with 2-year leases with your tenants [14:23] Tighten up your discretionary repair allowance to $200 per month [15:11] Voxer is a revolutionary messaging app [16:37] Public employee unions are only interested in themselves [18:13] A great tool to self manage your properties [18:39] Meet the Masters in San Diego - Get your early bird pricing now [19:37] Dubai is the amazing place we have set up for our next Venture Alliance trip Robin Smith Guest Interview: [20:35] How WeGoLook evolved [23:06] We offer a basic report with photos/videos for $69 [26:00] We offer an hourly rate for one-off services [27:50] We also do document research, title searches and visit municipalities for customers [30:10] We cover the U.S., the UK, Australia and Canada [32:15] WeGoLook services and rates - cheaper than calling your brother in law [36:19] People can order services directly from our website [37:47] We charge travel fees and research fees for those locations which are out of the way [40:17] Interior/Exterior reports are available for property investors [42:34] We service fortune 500 companies as field assignment personnel Mentions: Hyatt Regency Orlando JasonHartman.com American Airlines US Air Voxer - A free app Venture Alliance Mastermind WeGoLook RawPorter

On this show, Jason Hartman talks with one of his investment counselors about current events, welcomes a guest caller and also brings to our listening audience the economic outlook from renowned financial expert, John Mauldin. Mauldin discusses “spending rearrangement”, a restructuring of our country’s spending problem and tax code, and how the election outcome influences the direction of that restructuring. The larger the government becomes, the smaller the private sector becomes – not an ideal situation for economic recovery in the U.S. Mauldin gives his insights and the possible scenarios and outcomes that could happen, depending on whether or not the deficit problem is truly solved, touching on investments, job creation, tax issues and trade deficits. John Mauldin is also a New York Times best-selling author and a pioneering online commentator. Each week, over one million readers turn to Mauldin for his penetrating view on Wall Street, global markets and economic history. Mauldin’s weekly e-newsletter, Thoughts from the Frontline, was one of the first publications to provide investors with free, unbiased information and guidance. Today, it is the most widely distributed investment newsletter in the world. Mauldin is a frequent contributor to publications including The Financial Times and The Daily Reckoning, as well as a regular guest on CNBC, Yahoo Tech Ticker, and Bloomberg TV. His best-selling books include Bull’s Eye Investing, Just One Thing and Endgame, as well as his recently released update to Bull’s Eye Investing – The Little Book of Bull’s Eye Investing. John Mauldin’s blog, Economic Analysis, and more can be found on his website at http://www.mauldineconomics.com/.

Managing insurance policies for your entire real estate portfolio can be an administrative nightmare if the coverage is provided by multiple companies. Finding a reliable and informative insurance broker who is able to offer nationwide coverage from A level underwriters would eliminate the hassle. Today, Jason gets answers for all of your insurance questions from the brokerage firm of Ross Diversified. Key Takeaways: Jason’s Editorial: [1:21] It’s an amazing time to be alive! [2:33] China has finally ended their one child policy [4:40] The nature of the real estate industry is fragmented [9:34] Bad faith insurance or companies denying claims is common [10:30] A personal experience with National Real Estate Insurance Group [11:50] Monday’s episode features the founder of WeGoLook [14:04] Can we get listeners in more countries than the U.S. has military bases in? [16:40] Meet the Masters with Garrett Sutton in January Ed Babtkis Guest Interview: [18:50] We have had nationwide insurance available for 30 years [19:50] Nuances to the nationwide real estate market make it a difficult product to offer [21:05] The underwriting companies which serve our brokerage firm [22:16] Nationwide programs are generally done on a blanket basis [25:21] Deductible options and norms [27:24] Getting the quote to the investor [29:54] Our company is approved by major financiers [31:20] Calculating insurance rates based on zip codes [33:30] Cash value is the number one issue insurance companies have [34:55] Replacement value is better coverage [36:33] How are land contracts insured? [39:12] Hard money lenders can place property coverage, but it costs a bit more [40:00] Loss of Rent insurance Mentions: JasonHartman.com Affinity Group Management Code Red Book We Go Look Ross Diversified Acceptance Indemnity Cincinnati Insurance Blackstone