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    Business

    Flipping America

    We teach you how to make money in real estate. We cover news, trends, styles, markets, demographics, and technology that affect real estate investing. We also talk to market leaders and trend setters. Lastly, there’s a bit of how-to information on nearly every show, with topics, Q&A from listeners, and presentations from our guests. Learn how to make and grow a fortune in your spare time or as a new career.
    We don’t just talk about flipping houses. We talk about single family rentals, multi-family rentals, apartments, mobile home communities, commercial and industrial space, hotels and motels, golf courses, and raw land. We cover the entire gamut of real estate asset classes.
    We also discuss strategies for cash flow, acquisition, and property disposition. These include hard money, private money, creative deal structures, mortgage wraps, wholesaling, contract assignments, lease options, lease sandwiches, and more. Learn how to start with nothing and work your way to millions. Find deep satisfaction in meaningful work that meets not only your income goals, but the needs of the community and your buyers.

    Advertise

    Copyright: © Flipping America LLC 2017

    • Apple Podcasts
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    • Spotify

    Latest Episodes:
    Flipping America 447, Start Your Investing Career Feb 18, 2021
    Show notes

    Are you serious about getting into the real estate investing business? Today I'm going to talk about the best way to do that.

    In a few minutes I'm going to play for you a brief presentation I did for those on a recent Flipping America REIA call describing my coaching program in detail. You're going to hear that it covers every topic you need in order to launch and grow your real estate career. Or if you just want real estate as a side gig, I'm prepared to guide you there as well. We do a personalized investing plan with every person in the program, provide a ton of content online and do a weekly coaching call with me.

    Why should you hire me to train you? Since 2002 I've been a part of over 2000 real estate transactions including more than 1000 fix and flip projects, hundreds of rental houses, and hundreds of other projects either as a funder, a third-party buyer, or a wholesaler. When it comes to single-family homes you're not going to find anyone with more experience, knowledge or understanding of the process. There isn't a deal structure I haven't used. There isn't a piece of the process that I haven't built a system or even an entire course around. I've been doing it for years and I've been teaching it for years. I'm still doing deals today.

    But don't just listen to me, listen to others:

    I just got off the phone with Roger for our 1:1 strategy call and it was amazing. The breadth of his knowledge and his willingness to share his experience and expertise as an investor was enlightening. Roger is the real deal, I learned more in our 30 min conference call than I did from other investment instruments that I have been using thus far. My sincere thanks for an awesome jump start to my career as a real estate investor.

    Raghu Valusani does 8-10 wholesale deals every month now. Here's what he said:

    I was looking for someone who has tremendous amount of Knowledge, Experience friendly and Helpful. So I joined FlipStarter Course in March 2019, came to know How really caring and genuinely interested in helping, I understood "He is the one", I joined Roger's Coaching program, which is Amazing!. I would not be where I am without him and I alway have deep gratitude for Roger.

    "Before meeting Roger we were very lost in the real estate world and always felt like we were trying to get a sip of water out of a fire hydrant. The minute we met Roger and joined his coaching program, we felt a huge relief. Roger is an open book and very honest, he will guide you but also tell you when you're not doing things correctly. He has probably answered a million questions for us and that alone we could not be more grateful for. If you're even thinking about paying for one of those seminars, or classes from the "big players" save your money and join Roger's coaching program, I promise you it is worth every penny."

    Jorge and Chabelly Rodriquez

    It was a joy to work with Roger, but more importantly Educational. This was our first home renovation project. We did not have a clue where to start, Roger put us in contact with the right company to fund our project and that set us off in the right direction. From there we ran into a lot of obstacles along the way. He gave great advice when we needed him too. More importantly he made him accessible throughout the entire time. I would definitely recommend anyone inexperienced in flipping properties to work with Roger.

    Lamar Johnson

    How to contact us

    www.RogerBlankenship.com. Leave a voicemail right from the home page!

    Facebook.com/flippingamericamedia

    Twitter and Instagram @FlippingAmerica

    Call our National Comment Line: 877-55-ROGER (877-557-6437) ext 1. Leave your message or your question.

    Email your questions to questions@rogerblankenship.com. Please always tell us where you are from. We like to know where the show is being heard. And let us know how you found out about us if you don't mind.

    Sponsors

    American IRA: www.americanIRA.com

    Announcements:
    • Looking for focus group volunteers for the FAN
    News
    • They 3D printed a house on site! 1400 sf 3/2, $299,000. https://www.architecturaldigest.com/story/a-3d-printed-home-is-on-the-market-in-new-york
    • I always say "compare everything with everything" Here's an interesting take on investing in real estate vs stocks. https://www.marketwatch.com/story/should-you-invest-in-stocks-or-real-estate-2021-01-22
    Questions
    • Henrietta, Norcross, GA "I'm trying to buy a house that is in foreclosure here in Gwinnett Co. Georgia. The seller is ready to walk away from the house and told me the loan balance is $85k. She accepted my offer of $87k. Now I hear from the lender, a private individual that the actual balance is 97k. The house is worth 220k so I offered the lender 100k in cash. He said ok, but he already paid the attorney to handle the foreclosure and I would need to speak with him. What do you recommend? The property is scheduled for the auction in 1 week.
    • Dena, Lancaster, PA "I am wondering how you rehab those properties you are buying around the country. How do you do a remote rehab?"
    • Madison, Las Vegas, NV "Someone told me that they heard you make exceptions to the MAO rule. What are the exceptions?"
    Motivational Quote:
    • "Security Is Mostly A Superstition. Life Is Either A Daring Adventure Or Nothing." – Life Quote By Helen Keller

    Flipping America 446 Blue Ocean Opportunities 2021 Feb 17, 2021
    Show notes

    Today I'm hosting an all-star panel of actual real estate investors from around the country, I'm going to ask them how the pandemic has affected their businesses, what changes they are making, and what they expect from 2021.

    The market right now is as hot as it has ever been. It's so hot that deals are difficult to find. Here are a few of the questions I'll be asking our experts:

    • Where do you see the real estate market by the end of the year?
    • How do we prepare ourselves for the changing realities in the market?
    • What opportunities, investing strategies or tactics will be useful this year?
    • Talk about locations - does this market open up or push us to new territory? If so, where?
    • How do we mitigate risk in 2021?
    • How do we handle prolonged bans on evictions?
    • What do you think the impact of the "Zoom Boom" (i.e. work from home) will be in the markets.
    • Where (either tactically or geographically) will you focus most of your efforts in the coming year?

    The panel is Michael Green, active house flipper and host of the Flip Factor podcast, Chris Larsen, apartment buyer and host of the Next Level Income Podcast, Helen Ishii, owner of a virtual wholesaling company marketing properties across the southeastern US, and Chip Cagle, top producer for Bay Mountain Capital.

    How to contact us

    www.RogerBlankenship.com. Leave a voicemail right from the home page!

    Facebook.com/flippingamericamedia

    Twitter and Instagram @FlippingAmerica

    Call our National Comment Line: 877-55-ROGER (877-557-6437) ext 1. Leave your message or your question.

    Email your questions to questions@rogerblankenship.com. Please always tell us where you are from. We like to know where the show is being heard. And let us know how you found out about us if you don't mind.

    Sponsors

    American IRA: www.americanIRA.com

    The Flipping America Buyers Club bit.ly/flippingamericabuyersclub

    Announcements:
    • We're kicking off a new round of coaching in January. In six months I will tell you everything you need to know about real estate and real estate investing to set you on the path to financial freedom and generational wealth. My coaching program starts with a one-on-one interview with you and based on the person you are and your life situation, we develop and agree on a real estate strategy that fits you. You then have access to a series of online training courses to provide content and context. And nearly every Wednesday evening there is a group coaching call. Whether you want to own income properties, flip houses, or invest passively, we have a proven plan that's right for you. Go to bit.ly/sixmonthcoaching and sign up today.
    Topic: Panel Discussion - Opportunities for 2021 Motivational Quote: "If you throw some nuts and cookies on a road, you will eventually see children come, pick them up, and start to argue and fight for them. Adults would not fight for such things. And even children would not pick up the empty nut shells. For a wise man, the wealth, the clory, and the rewards of this world are like sweets or empty shells on a road. Let the children pick them up and fight for them. Let the kids kiss the hands of the rich men, the rulers, and their servants. For the wise one, all these are but empty shells." -Epictetus

    Flipping America 445, The Zoom Boom Feb 16, 2021
    Show notes

    I've coined the phrase "Zoom Boom" to characterize some of the things I see in the near and mid-term future for real estate. No it's not a baby boom. It's a real estate boom and a bit of a bust in some sectors. It all has to do with the trend toward working from home. In a moment I'll explain what I mean.

    I'll provide the key market indicators we constantly monitor.

    • Are the "sky is falling" click bait specialists on YouTube declaring a looming real estate disaster right? (Spoiler alert: NO).
    • What are the market indicators every investor should be watching?

    How do we know a good opportunity when we see one?

    Later in the show Logan Mohtashami is joining us to discuss his take on the "Bubble Boys" of YouTube. Just wait - that's not the worst thing he calls them!

    How to contact us

    www.RogerBlankenship.com. Leave a voicemail right from the home page!

    Facebook.com/flippingamericamedia

    Twitter and Instagram @FlippingAmerica

    Call our National Comment Line: 877-55-ROGER (877-557-6437) ext 1. Leave your message or your question.

    Email your questions to questions@rogerblankenship.com. Please always tell us where you are from. We like to know where the show is being heard. And let us know how you found out about us if you don't mind.

    Sponsors

    American IRA: www.americanIRA.com

    The Flipping America Buyers Club bit.ly/flippingamericabuyersclub

    Announcements:
    • We're kicking off a new round of coaching in January. In six months I will tell you everything you need to know about real estate and real estate investing to set you on the path to financial freedom and generational wealth. My coaching program starts with a one-on-one interview with you and based on the person you are and your life situation, we develop and agree on a real estate strategy that fits you. You then have access to a series of online training courses to provide content and context. And nearly every Wednesday evening there is a group coaching call. Whether you want to own income properties, flip houses, or invest passively, we have a proven plan that's right for you. Go to bit.ly/sixmonthcoaching and sign up today.
    News:
    • https://www.attomdata.com/news/market-trends/figuresfriday/top-10-flipped-zips-in-q3-2020/
    • https://www.corelogic.com/blog/2020/12/u.s.-case-shiller-home-price-index-closes-2020-with-a-bang.aspx
    Topic: Housing Markets 2021
    • A fine compendium of opinions from leading real estate professionals. https://www.forbes.com/sites/brendarichardson/2020/12/16/experts-predict-what-the-housing-market-will-be-like-in-2021/?sh=14081a0b36dc
    • Norada thinks we real estate will stay hot. https://www.noradarealestate.com/blog/housing-market-predictions/
    • Here's some love and predictions for Massashusetts, https://realestate.boston.com/buying/2020/12/22/experts-predictions-us-mass-housing-2021/
    • Pay attention to these trends. Well done Motley fool. https://www.fool.com/mortgages/2020/12/22/3-housing-market-trends-to-watch-in-2021/
    • More optimism for the housing markets in 2021 but perhaps a little overstated. https://www.mansionglobal.com/articles/2021-will-likely-see-the-most-robust-housing-market-in-15-years-222039
    • Homeowners - YEAH. Renters - 2021 might be a struggle. Landlords too. https://realestate.usnews.com/real-estate/articles/what-to-expect-from-the-housing-market-in-2021
    • A LONG but thorough review of the housing data for 2020. https://www.michaelgersitz.com/us-housing-market-forecast-2020-2021-will-it-crash-or-recover/
    • Realtor magazine weighs in on the 2021 market. https://www.realtor.com/research/2021-national-housing-forecast/
    • https://www.zillow.com/research/zillow-2021-housing-predictions-28516/
    • Private enterprise will always do a better job, be more innovative, and will ultimately serve the consumer better than the government. https://www.thecgo.org/research/a-primer-on-housing-finance-reform/?utm_term=housing%20market%20crash&utm_campaign=NA_GG_S_CGO&utm_source=adwords&utm_medium=ppc&hsa_acc=5827172578&hsa_cam=10168821513&hsa_grp=104448528209&hsa_ad=438449824760&hsa_src=g&hsa_tgt=kwd-428192013546&hsa_kw=housing%20market%20crash&hsa_mt=b&hsa_net=adwords&hsa_ver=3&gclid=Cj0KCQiAlsv_BRDtARIsAHMGVSYMgXp86xQH3Y80urDOeaUt9HJKAsmVqcyGYbhdj7VsOWt671HLQ5MaAt3ZEALw_wcB
    • Housing Wire's take on the 2021 real estate market. https://www.housingwire.com/articles/housing-market-outlook-for-2021and-beyond/
    • From Logan Motashami at HousingWire https://www.housingwire.com/articles/what-to-expect-from-the-2021-housing-market/

    My conclusions:

    • Sales increases will be modest due to the continuing lack of inventory. I do not believe we will sell 6 million homes in 2021 (sorry Logan). I believe it will be more like 5 million - in other words, relatively flat.
    • Prices will continue to press upward faster than inflation across all markets. The coastal markets will regain their 2019 losses and will see a 3-4% rise. Other large metro areas like Atlanta, Dallas and Denver will see price increases in the metro suburban areas in the 7-10% range. This will offset a flattening of in-city prices. More on that in a moment. The national year over year increase I am forecasting for 2021 is 7%. This is due primarily to the same factors that have pushed it along for the past 2 years. Historically low interest rates, low inventory, insufficient new home starts.
    • Under a new federal administration, we will continue deferments on mortgages and restrictions on evictions. This will create previously unimaginable burdens on landlords. 2021 is NOT a good time to be a landlord with a mortgage.
    • Any price roll-backs in lumber - if and when canadian tariffs are eliminated will be offset by the promised increase in regulatory oversight and builders are facing the prospect of being forced to build low-income housing in current upscale areas.
    • With confirmation of the Democrats in control of all the branches of the federal government I can only assume they meant what they said when running. That means personal and corporate tax increases within the first few months. I believe this will create a slow-down in the economy as a whole and will contribute to the slowing of the real estate market in the second half of the year as foreshadowed by Todd Teta at Attom Data.
    • The real estate market will be UP in 2020, but i see it flattening by second quarter of 2021.
    • One of the biggest short-term impacts of the pandemic of 2020 is something I'm going to call the Zoom Boom. As workers have needed to work from home, many have discovered they don't need to ever be in the office and plan on never returning. This has led to a growing flight to the suburbs, which will result in some upward price pressure there and downward prices in the cities. If you want to speculate on city office space or city condos, 2021 will be a good time to do it. Some of the Zoom Boom effects will be felt in faraway places as well - ski towns, beach towns - places that were formerly primarily vacation spots will find a new group of permanent residents in 2021. I believe this is a relatively short-lived change and within 2 years, 75% of those people will be back in the cities going to the office as before. In years past productivity studies of work from home people have consistently shown a drop off in performance and productivity. HOWEVER and this is a big change - today's technology and the improvements in the ability to stream live meetings has opened up the possibility that these changes could be permanent. Even so, I think that people are wired to want to be around people - and yes that even includes co-workers. So I think the Zoom Boom is a two year thing.
    • What does all of this mean?
      • 2021 will be like every other year I've been in this business in 1 regard: If you buy a property cheaply enough, you can make money with it. Never pay retail. You never have to. Someone somewhere is in enough distress to sell at a deep discount. This is your number one risk mitigation strategy.
      • 21 will be a great year to flip and therefore a decent year for wholesaling. Location will almost not matter (but do make sure you are still 45 days or less average on-market time).
      • 21 will be a challenging year to be a landlord. The only reasonable residential rental investments will be commercial multi-family. Only 75% of tenants are now paying their rent on time, but in an apartment building that's enough to stay afloat. I do not plan to buy or invest in single family rentals in 21. I DO plan to buy BOR houses - as many as I can.
      • The first 6-8 months of 21 are the time to make hay while the sun is still shining. 22 is going to look a little different.
      • 2021 is a good year to buy distressed or REO office space. But you need to have enough cash reserves to hold for 2-3 years before it becomes profitable.
      • When the corporate tax rates are officially raised, you will see another exodus of corporations and capital, including manufacturing jobs from the US. I am not planning to invest in this sector for the next two years at least.
      • End of 2021 and into 2022, you will see an increase in foreclosures and perhaps a spike in evictions. This will create opportunities then for people who have cash on hand. Pursue all great deals now - don't be caught empty-handed a year from now.
    Motivational Quote: "A Lawyer can help you go broke legally. An Accountant can help you go broke accurately. An architect can help you go broke beautifully. Only you can prevent you from going broke." -John Smithgall.

    Flipping America 444, The 2021 Market Forecast Feb 15, 2021
    Show notes

    The click-bait con artists on YouTube are making money telling you the housing market is going to collapse in 2021. Today I'm going to tell you why they are wrong.

    If you were following real estate at the beginning of 2020, you would have been able to find any number of morons on YouTube talking about why the real estate market was going to crash in 2020. They didn't have statistics to back up their claims. The closest some of them got to logic was to refer to the cyclical nature of the economy. They would say "it's time." Some even said, "I don't know what's going to happen, but something will. It does every ten years."

    "Hogwash" said I. All of the data pointed to a robust year. I confidently predicted a 7% rise in the value of homes by the end of 2020. I also predicted that we would see a drop in the number of homes sold, but demand in excess of supply coupled with low interest rates would push the price up.

    Then the pandemic hit. And I was told by many, "see? I told you so. I told you something would happen." I agreed then that something had indeed happened, but it was going to take a moment to figure out the impact of it. After 30 days of reflection I revised my previous prediction down from 7% year over year gains to just under 3%. As I've said on this show many times, all of the major real estate outlets revised their 2020 predictions to a 3% decline in prices.

    In the end, my original prediction of 7% gain turned out to be spot-on accurate and the real estate market as a whole was one of the bright spots in the US economy in 2020. So what will 2021 be like? Can I continue my streak of accurate predictions? Will I ever get the number of clicks the Chicken Little Sky is Falling Real Estate is Crashing con artists get? The answers are YES and NO.

    Alarmist headlines get noticed. You know the old saying in the newspaper industry - if it bleeds it leads. You'll never see headlines about the cat that got itself down out of the tree, or the fire that was averted because people used normal safety precautions. You also won't see a lot of hype about a generally positive forecast in the real estate market. But do not despair!

    I don't care about clicks. Not really. Real estate moves slowly and is relatively boring. That's a major reason I love it! If you will take a bit of time to study it, and understand the various leading indicators, you too could be as accurate as me. But if you need or want clicks and a monetized youtube platform, you're probably going to have to scare people a little.

    How to contact us

    www.RogerBlankenship.com. Leave a voicemail right from the home page!

    Facebook.com/flippingamericamedia

    Twitter and Instagram @FlippingAmerica

    Call our National Comment Line: 877-55-ROGER (877-557-6437) ext 1. Leave your message or your question.

    Email your questions to questions@rogerblankenship.com. Please always tell us where you are from. We like to know where the show is being heard. And let us know how you found out about us if you don't mind.

    Sponsors

    American IRA: www.americanIRA.com

    The Flipping America Buyers Club bit.ly/flippingamericabuyersclub

    Announcements:
    • We're kicking off a new round of coaching in January. In six months I will tell you everything you need to know about real estate and real estate investing to set you on the path to financial freedom and generational wealth. My coaching program starts with a one-on-one interview with you and based on the person you are and your life situation, we develop and agree on a real estate strategy that fits you. You then have access to a series of online training courses to provide content and context. And nearly every Wednesday evening there is a group coaching call. Whether you want to own income properties, flip houses, or invest passively, we have a proven plan that's right for you. Go to bit.ly/sixmonthcoaching and sign up today.
    News:
    • https://www.attomdata.com/news/market-trends/figuresfriday/top-10-flipped-zips-in-q3-2020/
    • https://www.corelogic.com/blog/2020/12/u.s.-case-shiller-home-price-index-closes-2020-with-a-bang.aspx
    Topic: Housing Markets 2021
    • A fine compendium of opinions from leading real estate professionals. https://www.forbes.com/sites/brendarichardson/2020/12/16/experts-predict-what-the-housing-market-will-be-like-in-2021/?sh=14081a0b36dc
    • Norada thinks we real estate will stay hot. https://www.noradarealestate.com/blog/housing-market-predictions/
    • Here's some love and predictions for Massashusetts, https://realestate.boston.com/buying/2020/12/22/experts-predictions-us-mass-housing-2021/
    • Pay attention to these trends. Well done Motley fool. https://www.fool.com/mortgages/2020/12/22/3-housing-market-trends-to-watch-in-2021/
    • More optimism for the housing markets in 2021 but perhaps a little overstated. https://www.mansionglobal.com/articles/2021-will-likely-see-the-most-robust-housing-market-in-15-years-222039
    • Homeowners - YEAH. Renters - 2021 might be a struggle. Landlords too. https://realestate.usnews.com/real-estate/articles/what-to-expect-from-the-housing-market-in-2021
    • A LONG but thorough review of the housing data for 2020. https://www.michaelgersitz.com/us-housing-market-forecast-2020-2021-will-it-crash-or-recover/
    • Realtor magazine weighs in on the 2021 market. https://www.realtor.com/research/2021-national-housing-forecast/
    • https://www.zillow.com/research/zillow-2021-housing-predictions-28516/
    • Private enterprise will always do a better job, be more innovative, and will ultimately serve the consumer better than the government. https://www.thecgo.org/research/a-primer-on-housing-finance-reform/?utm_term=housing%20market%20crash&utm_campaign=NA_GG_S_CGO&utm_source=adwords&utm_medium=ppc&hsa_acc=5827172578&hsa_cam=10168821513&hsa_grp=104448528209&hsa_ad=438449824760&hsa_src=g&hsa_tgt=kwd-428192013546&hsa_kw=housing%20market%20crash&hsa_mt=b&hsa_net=adwords&hsa_ver=3&gclid=Cj0KCQiAlsv_BRDtARIsAHMGVSYMgXp86xQH3Y80urDOeaUt9HJKAsmVqcyGYbhdj7VsOWt671HLQ5MaAt3ZEALw_wcB
    • Housing Wire's take on the 2021 real estate market. https://www.housingwire.com/articles/housing-market-outlook-for-2021and-beyond/
    • From Logan Motashami at HousingWire https://www.housingwire.com/articles/what-to-expect-from-the-2021-housing-market/
    Motivational Quote: "Kindness is for your soul as health is for your body: you do not notice it when you have it." Leo Tolstoy

    Flipping America 443, Hire a Coach Jan 16, 2021
    Show notes

    The number one question we get is "how do I get started in real estate investing?" Here is the answer I give everyone:

    1. Get information
    2. Get a coach
    3. Get going

    Today I'm going to talk to you about how to select and hire a coach. Plus, coming up in a few minutes in our annual "Best-of" series, I'm going to share with you the best places this year to invest in multi-family. I've done the research, I'll link some articles, and then you will know.

    How to contact us

    www.RogerBlankenship.com. Leave a voicemail right from the home page!

    Facebook.com/flippingamericamedia

    Twitter and Instagram @FlippingAmerica

    Call our National Comment Line: 877-55-ROGER (877-557-6437) ext 1. Leave your message or your question.

    Email your questions to questions@rogerblankenship.com. Please always tell us where you are from. We like to know where the show is being heard. And let us know how you found out about us if you don't mind.

    Sponsors

    American IRA: www.americanIRA.com

    The Flipping America Buyers Club bit.ly/flippingamericabuyersclub

    Announcements:
    • We're kicking off a new round of coaching in January. In six months I will tell you everything you need to know about real estate and real estate investing to set you on the path to financial freedom and generational wealth. My coaching program starts with a one-on-one interview with you and based on the person you are and your life situation, we develop and agree on a real estate strategy that fits you. You then have access to a series of online training courses to provide content and context. And nearly every Wednesday evening there is a group coaching call. Whether you want to own income properties, flip houses, or invest passively, we have a proven plan that's right for you. Go to bit.ly/sixmonthcoaching and sign up today.
    News: Best Places to Own Multi-family
    • CBRE weighs in on the multi-family markets nationwide. Consider secondary markets. https://www.cbre.us/research-and-reports/2020-US-Real-Estate-Market-Outlook-Multifamily#:~:text=CBRE%20Research's%20top%20four%20markets,households%2C%20employment%20and%20multifamily%20demand.
    • Trier Capital has thoughts on multi-family (and is looking for accredited investors!) https://www.cbre.us/research-and-reports/2020-US-Real-Estate-Market-Outlook-Multifamily#:~:text=CBRE%20Research's%20top%20four%20markets,households%2C%20employment%20and%20multifamily%20demand.
    • Globe St. says multi-family investors should look to these cities and avoid THIS one. https://www.globest.com/2020/09/03/here-are-the-markets-where-multifamily-investors-are-buying/?slreturn=20201122144848
    • Mashvisor has a different take. And a quick read on five reasons why you should be in multi-family. https://www.mashvisor.com/blog/multi-family-homes-best-cash-flow-investments/
    Topic: Hire a Coach Topic: The Top Ten Ways to Know Your Real Estate Seminar is Actually a Con:
    1. The "nationally known" guru is not in attendance.
      1. Whose experience is being taught?
      2. Who has the experience to be able to credibly answer audience questions?
      3. What is the actual experience of the presenter and can it be verified?
      1. Where is their headquarters?
      2. Who is the person or persons behind this company? Someone did the work to gain the experience to teach.
      3. This can be taught from a curriculum and a powerpoint, but the most polished professional who is also inexperienced cannot truly serve a real estate audience.
    2. The name of the company behind the event is vague, not mentioned, or purposely mis-leading.
      1. Does he or she provide addresses of actual properties flipped?
    3. The Presenter's real estate credentials cannot be easily verified.
    4. The Presenter does this presentation more than once a month. If they travel and do this presentation more than once a month there is NO possible way they are actively fixing and flipping houses.
    5. Early in the presentation (usually within the first two hours), they will have you fill out a worksheet with all of your assets as possible funding sources. Available credit card spending, 401k balance, cash value of insurance policies, etc. Later they will use this information to prove to you that you actually can afford their 20-50k in training.
    6. They take time to teach you how to call your credit card providers and ask for an increase in your limit. The really sneaky ones will put you in a group, challenge everyone to do it, bring you back and see if you collectively came up with an amount that would buy a house.
      1. Results - lifestyle.
      2. Financial freedom
      3. Education of children - college
      4. Legacy
    7. They make lots of promises to you. And they will seem great!
    8. They have an emotional story of their own financial distress and real estate saved the day.
    9. They will not let you take photos of the screens or record the event.
    10. They want to sell you another more expensive course. Free - Low Cost - High Cost - Upgrade.

    Ways to check ahead of time:

    1. Check the name of the company. Look at their website. See what they emphasize.
    2. Google the name of the company followed by the word "reviews." This may not be helpful, but it can be. One company I researched had over 1000 hits on a website called "Ripoff Report." Anyone can say anything there and not all of it should be believed. But 1000 reports?
    3. Ask in online forums - Bigger Pockets, Connected Investors, Facebook Groups, Google Plus Groups etc. What have you heard about …?
    4. At the event, get the presenter's full name. Find out where he/she is from. Note as many property addresses as you can during the event. Check those addresses online for ownership and transfers of ownership. Look for an entity that owned the property for 4-6 months in the past two years. Later on, if you get a chance to speak with the presenter, casually drop the name of the entity you found and see if you get a glimmer of recognition. If you're convinced they are lying, just for fun, make up an entity name (or use your own if you have one) and ask them if that was the entity that bought 123 Main St (or whatever). See if they say yes.
    • Qualities of a good coach
      • Experience
      • Character
      • Longevity
      • Communication / teaching skill
      • Understanding of different learning styles
    • Characteristics of a good coaching program
      • Personal contact
      • Flexibility
      • Personalization
      • Mix of content and activity
      • Price is reasonable
      • Program is valuable
      • What you will learn is shared in advance.
      • There is no mystery about what happens next.
    Motivational Quote: "Earn a lot so you can have a lot so you can give a lot." -Tom Olson

    Flipping America 441, Eyes Open Jan 14, 2021
    Show notes

    We all have our daily routines - much of it determined by necessity, but hopefully some of yours is the result of deliberate reflection and intent. Today I want to add one more routine to your day that takes very little effort and once it becomes an unconscious competence, your entrepreneurial life will never be the same. Plus, we are doing our year-end review of the best places to own income-producing properties. All that coming up on this episode of Flipping America.

    Unless you are driving right now I want you to close your eyes. If you are driving, keep your eyes on the road and pretend you are closing them! When you open your eyes you are - in your imagination - rebooting your vision with a new filtration screen that I call the Opportunity Spotter. Imagine this is like a little radar sweep going on around you at all times. When it senses an opportunity, let your brain ping it. Today I'm going to talk about spotting and responding to opportunities. Now open your eyes and imagine there is a radar sweep in front of you, constantly scanning the horizon. If you can picture the input you see from the "inside the eyeview" of the Terminator, imagine that while you are looking at the regular world, you are analyzing it in a different way.

    What does an opportunity look like? How do I begin to evaluate it? When and how to do I take action?

    How to contact us

    www.RogerBlankenship.com. Leave a voicemail right from the home page!

    Facebook.com/flippingamericamedia

    Twitter and Instagram @FlippingAmerica

    Call our National Comment Line: 877-55-ROGER (877-557-6437) ext 1. Leave your message or your question.

    Email your questions to questions@rogerblankenship.com. Please always tell us where you are from. We like to know where the show is being heard. And let us know how you found out about us if you don't mind.

    Sponsors

    American IRA: www.americanIRA.com

    The Flipping America Buyers Club bit.ly/flippingamericabuyersclub

    Announcements:
    • We're kicking off a new round of coaching in January. In six months I will tell you everything you need to know about real estate and real estate investing to set you on the path to financial freedom and generational wealth. My coaching program starts with a one-on-one interview with you and based on the person you are and your life situation, we develop and agree on a real estate strategy that fits you. You then have access to a series of online training courses to provide content and context. And nearly every Wednesday evening there is a group coaching call. Whether you want to own income properties, flip houses, or invest passively, we have a proven plan that's right for you. Go to bit.ly/sixmonthcoaching and sign up today.
    News: Best Places to Own Rentals
    • From my friend Kathy Fettke. https://www.realwealthnetwork.com/learn/best-places-to-buy-rental-property/
    • The "Gross Rent Multiplier" is just another way of calculating the 1% rule. https://www.moneycrashers.com/best-cities-buy-rental-property-investment/
    • Motley Fool has a different take on the top rental cities. https://www.fool.com/millionacres/real-estate-investing/rental-properties/10-best-places-buy-rental-property-2020/
    • And Manage Casa has a different opinion. https://managecasa.com/articles/best-cities-to-buy-property/
    • Although difficult to quantify mathematically, I really like Mashvisor's criteria for where to buy. https://www.mashvisor.com/blog/best-places-to-buy-rental-property-covid-19/
    • The most in-depth look at single-family residential rental data. https://www.attomdata.com/news/market-trends/single-family-rental/attom-data-solutions-q1-2020-single-family-rental-market-report/
    Topic:
    1. What is an opportunity? "A set of circumstances that make it possible to do something."
      1. Keep your eyes open!
      2. Constantly evaluate.
      3. Combine, synthesize, (Milk, flour, sugar, butter, a bit of baking powder, blueberries.)
        1. Could that be ….?
        2. ...what would it take?
        3. What if we…?
        4. Could we combine this and that and …?
        5. ...has anyone else thought this?
      4. Ask the right questions
    2. How to Spot an Opportunity:
      1. In all directions, but mostly forward.
      2. Connect past experience with current situation
      3. The people you know
      4. Different asset class
      5. Different strategy
      6. Variation on a theme
      7. Familiar process in a new location
    3. Where do I look?
      1. Alignment
        1. Vision
        2. Values
        3. Circumstances
        1. Investment (compare everything)
        2. Equity (can leverage or OPM be used?)
        3. Effort (Worth it?) (is this how I want to use my time?)
        4. Repeatable? (is anyone out there doing this or something similar?)
        5. Downside (How could this kick me in the butt?)
        6. Cases (Best, Worst, and Most Likely)
      2. Analysis
    4. How to Filter the Opportunities
      1. Verbal "market testing" the idea.
      2. Dip a Toe in
      3. Set Goals
      4. Define KPIs
      5. Create Effort Milestones
      6. Daily Steps
    5. Action Plan

    This sounds like a lot but it can become second nature. The first few times you attempt to look at an opportunity this way, it might take you an hour just to decide to take the next step. I promise you two things: 1) It won't take as long in the future. And 2) You'll be glad you started this process.

    As you become more successful in what you are doing and have money (you should try to keep that a secret, but word will get out), people will approach you with opportunities (99.8% NO). You might have a harder time saying no to the opportunities you see on your own, but you can do it as long as you know you need to.

    Once you see the world through your "opportunity radar" lens, you're going to start seeing them everywhere. I keep all my old idea journals and notes and as I look back over the years I'm amazed at the stupidity of most of my ideas and the naivety of some of the others. You'll get to that point also, but don't let that deter you. One GREAT idea that could be the antecedent to your fortune is built upon the rubble of 1000 bad ideas or good ideas poorly implemented. But to get to the GREAT one you must keep on going. Keep pressing. Don't give up. Don't stop. Keep ideating, evaluating, synthesizing, testing, and above all -- keep your eyes open!

    Motivational Quote: "There'll be two dates on your tombstone and all your friends will read 'em but all that's gonna matter is that little dash between 'em." ~ Kevin Welch

    Flipping America 440, A World of Possibilities Jan 11, 2021
    Show notes

    Everyone should be in real estate, even if they don't own their own home. Today I'm going to tell you why and how.

    Louis Glickman said "the greatest investment on earth is earth." My daddy always said "invest in real estate - they're not making any more of it." I guess my version of this statement will be, "until we establish permanent colonies on other worlds, this earth is all we have. So get a piece of it while you can."

    I am the Flipping America guy and I teach America how to make money in real estate. But it's not all about flipping houses. In fact, that turns out to be just a fraction of the opportunities available in real estate. Today I want to introduce you to a World of Possibilities.

    How to contact us

    www.RogerBlankenship.com. Leave a voicemail right from the home page!

    Facebook.com/flippingamericamedia

    Twitter and Instagram @FlippingAmerica

    Call our National Comment Line: 877-55-ROGER (877-557-6437) ext 1. Leave your message or your question.

    Email your questions to questions@rogerblankenship.com. Please always tell us where you are from. We like to know where the show is being heard. And let us know how you found out about us if you don't mind.

    Sponsors

    American IRA: www.americanIRA.com

    The Flipping America Buyers Club bit.ly/flippingamericabuyersclub

    Announcements:
    • We're kicking off a new round of coaching in January. In six months I will tell you everything you need to know about real estate and real estate investing to set you on the path to financial freedom and generational wealth. My coaching program starts with a one-on-one interview with you and based on the person you are and your life situation, we develop and agree on a real estate strategy that fits you. You then have access to a series of online training courses to provide content and context. And nearly every Wednesday evening there is a group coaching call. Whether you want to own income properties, flip houses, or invest passively, we have a proven plan that's right for you. Go to bit.ly/sixmonthcoaching and sign up today.
    News: Best Places to Flip Houses
    • This article has a nice summary of metrics to consider in a city when flipping a house. https://www.mashvisor.com/blog/best-cities-to-flip-houses-2020/
    • Our friends at Millionacres think these are the best places to flip: https://www.fool.com/millionacres/real-estate-investing/house-flipping/best-cities-flip-houses/
    • The most concise list of the best places to flip houses. https://wallethub.com/edu/best-cities-to-flip-houses/23158
    Topic
    1. Why Real Estate? 10 Reasons
      • Cash Flow
      • Appreciation
      • Portfolio Diversification
      • Inflation hedge
      • Competitive Risk-Adjusted returns
      • Equity growth from OTHERS
      • Intrinsic value
      • Non-volatile
      • Tax benefits
      • Leverage
      • Discounted purchase
      • Value add possibilities
      • Stability
      • Passive Income
      • Leverage
      • Tax advantages
    2. Why Real Estate can be better than the Stock Market?
      • Illiquidity
      • Learning curve
      • Amount of work involved
      • Cost of entry
    3. Real Estate's disadvantages compared to the Stock Market
      • Who you are, personality, tendencies, skills, interests
      • Your Vision
      • Your Circumstances
      • Risk tolerance
    4. How To Engage
      • Flip
      • Hold
      • Passive
    5. What are the possibilities?
      • Single Family residential
      • Small multi-family
      • Land
      • Commercial
        • Multi-family
        • Retail
        • Warehouse (including self-storage)
        • Office
        • Industrial
        • Multi-use
    6. Asset Classes
      • Primary operator
      • Partnership
      • Passive investor
    7. Methods
      • Wholesale
      • Fix and Flip
      • Creative In - flip
      • Creative in - Hold
      • Any method in, creative hold
    8. Strategies
      • Self-funding
        • Income
        • Inheritance
        • Retirement funds
        • Overfunded life insurance
      • Debt partners
        • Bank
        • Private
        • Asset-based lenders
      • Equity Partners
      • Syndications
    9. Funding possibilities
    Motivational Quote: "All life is an experiment. The more experiments you make the better. ~Ralph Waldo Emerson

    Flipping America 439, The 50 Best Places to live AND Joe Bell Dec 19, 2020
    Show notes

    Coming up today, we are going to talk to one of the most prolific investors in Alaska, Joe Bell. And a little later I'm going to share with you the top 50 places to live in America for 2020. That's coming up today on Flipping America.

    • Joe Bell is an Expert at helping Real Estate Professionals build legacy, retirement, and wealth. He's the founder of Legacy Beyond Listings, and author of the book "Assets, Acquisitions, & Abundance: A Guide To Building True Wealth & Legacy Through Real Estate". Joe is passionate about serving real estate professionals, helping them achieve market domination and build true wealth in their lives through real estate investing the smart way.

    In addition, Joe also has his own real estate firm, is an experienced Broker and Investor himself, as well as owning other companies. He's been named in the "Top 40 Under 40" in Alaska, and has been featured in places such as ABC, NBC, Digital Journal, Investor Place, and more.

    How to contact us

    www.RogerBlankenship.com. Leave a voicemail right from the home page!

    Facebook.com/flippingamericamedia

    Twitter and Instagram @FlippingAmerica

    Call our National Comment Line: 877-55-ROGER (877-557-6437) ext 1. Leave your message or your question.

    Email your questions to questions@rogerblankenship.com. Please always tell us where you are from. We like to know where the show is being heard. And let us know how you found out about us if you don't mind.

    Sponsors

    American IRA: www.americanIRA.com

    The Flipping America Buyers Club bit.ly/flippingamericabuyersclub

    Announcements:
    • The Flipping America REIA meets every Wednesday from noon to 2 and Thursday from 7-9. You can join the REIA and learn real estate investing from the comfort of your own home, or get together with a few friends and form a chapter in your area. Learn more at flippingamericareia.com.
    • Flipping America App is in the app store. You can listen to the show, read the show notes, and the entire catalog of shows is now available to you. It's a free download and there are no upsells or in-app purchases. Free to download, free to listen. Go ahead and give it a try and drop me a line and let me know what you think.
    • FlipCalcs allows you to enter one data set about a property and consider up to six deal possibilities .
    • "Real Estate Investing Quick Start" Fifteen lessons to start your real estate investing career. Study from the comfort of your own home. I give you 8 action assignments in lesson 1 and show you how to complete them while holding your feet to the fire over the next 15 lessons. bit.ly/requickstart.
    News
    • Home Prices up 7.3% year over year. Fastest since April 2014. https://www.corelogic.com/insights/home-price-index.aspx?WT.mc_id=crlg_201201_9K1ud
    • Serious loan delinquencies leveled off in September. One month does not make a trend, but it's a hopeful sign. https://www.corelogic.com/insights/loan-performance-insights-report.aspx?WT.mc_id=crlg_201207_rkaxT&elqTrackId=b592b01b2941419cb083df8f84469e26&elq=310cb4e96c204fbb93d3278a7b93d9c4&elqaid=23893&elqat=1&elqCampaignId=14187
    • The top 50 places to live in America right now, according to Business Insider. https://www.businessinsider.com/us-news-best-places-to-live-in-america-2016-3
    Questions:

    Maria, Houston, TX, Could you recommend someone that does interior painting jobs?

    Thank you

    We are a national company with local chapters across the country. Your message doesn't indicate where you are from, but it's unlikely we would know someone in your specific area. If instead I may answer the question generally, here's how I find a painting contractor.

    1. Go to a local Sherwin Williams store (the paint most professionals use). Ask for some referrals.
    2. Do the same at the pro desk at Home Depot or Lowes.
    3. Use the normal procedures for hiring subs. Check references, websites, BBB, etc.
    4. Use some of the "character" questions in our contractor docs.

    My experience with painters is you can get good quality work done for a fair price if you are willing to do your research on the front end.

    Motivational Quote: "Life has no limitations, except the ones you make." -Les Brown "LIve is a great big canvas, and you should throw all the paint on it you can." Danny Kay "Don't be afraid your life will end; be afraid that it will never begin." Grace Hansen

    Flipping America 438, Mom to Millionaire Dec 18, 2020
    Show notes

    Even before the economic downfall caused by the coronavirus pandemic put wage earners in jeopardy, 78 percent of full-time workers were living paycheck to paycheck. A considerable majority is teetering on the brink of financial ruin. Even those who remain in their current job track will never be able to achieve financial peace of mind.

    We're taught to believe the path to wealth is to get a good education, secure a well-paying job, work hard to impress management, climb the company leader and continue working hard until death or retirement. But that no longer provides anyone a path to financial freedom. To find prosperity, it's time to scrap most of the traditional ideas about money management. Those who hope to ever attain financial success will need to generate more revenue.

    Margaret Curlew, PhD, is specialist in income generation and wealth-building. Her new book is Mom to Millionaire: Finding the Path to Financial Peace.

    Margaret will draw from her own tumultuous journey to attaining financial success, and discuss:

    • What ineffective and old-school beliefs about wealth creation continue to permeate societal thinking
    • Why it requires a radical mindset to realize financial success
    • What are the underlying characteristics that define successful, wealthy people that the rest of us should emulate
    • What necessary steps will empower us to dramatically improve our financial situation
    • How to use debt and leverage to achieve financial freedom

    Margaret Curlew, PhD, is a professional, a "mompreneur" and a real estate investor. She is a specialist in income generation and wealth-building, and has mentored and contributed to the success of many individuals. Her new book is Mom to Millionaire: Finding the Path to Financial Peace (Feb. 16, 2019). Learn more at margaretcurlew.com

    How to contact us

    www.RogerBlankenship.com. Leave a voicemail right from the home page!

    Facebook.com/flippingamericamedia

    Twitter and Instagram @FlippingAmerica

    Call our National Comment Line: 877-55-ROGER (877-557-6437) ext 1. Leave your message or your question.

    Email your questions to questions@rogerblankenship.com. Please always tell us where you are from. We like to know where the show is being heard. And let us know how you found out about us if you don't mind.

    Sponsors

    American IRA: www.americanIRA.com

    The Flipping America Buyers Club bit.ly/flippingamericabuyersclub

    Announcements:
    • The Flipping America REIA meets every Wednesday from noon to 2 and Thursday from 7-9. You can join the REIA and learn real estate investing from the comfort of your own home, or get together with a few friends and form a chapter in your area. Learn more at flippingamericareia.com.
    • Flipping America App is in the app store. You can listen to the show, read the show notes, and the entire catalog of shows is now available to you. It's a free download and there are no upsells or in-app purchases. Free to download, free to listen. Go ahead and give it a try and drop me a line and let me know what you think.
    • FlipCalcs allows you to enter one data set about a property and consider up to six deal possibilities .
    • "Real Estate Investing Quick Start" Fifteen lessons to start your real estate investing career. Study from the comfort of your own home. I give you 8 action assignments in lesson 1 and show you how to complete them while holding your feet to the fire over the next 15 lessons. bit.ly/requickstart.
    Motivational Quote: "Gratitude unlocks the fullness of life. It turns what we have into enough, and more. It turns denial into acceptance, chaos to order, confusion to clarity. It can turn a meal into a feast, a house into a home, a stranger into a friend. Gratitude makes sense of our past, brings peace for today and creates a vision for tomorrow." — Melody Beattie

    Flipping America 437 A Time of Gratitude Nov 26, 2020
    Show notes

    There is probably nothing I can say about thankfulness or thanksgiving that hasn't already been said and probably more eloquently put. But like love, your thankfulness is something you can continually give away and never run out of. It's never too often and usually never too late to think about thanking someone.

    For you parents out there, if you can imagine how it warms your heart when your children genuinely thank you for all that you do for them, you have a glimpse of how God must feel we we take time to express our gratitude. And although this show is no more religious than it is political, both topics are an important part of our lives and are destined to come up from time to time. So I just want to ask you right now to think about how often you pray. How many times per week? What percentage of those times when you pray do you ask God for something? 100% or close to it? The alternative is just sitting in His presence in gratitude, worship, or just with a listening heart?

    Part of my challenge for you today is to focus for a few days on thankfulness. If you pray, try praying without asking for anything ("bless this food" is still asking for something). If you don't pray, it could be something you want to try. But even then, there is someone in your life you could be thanking for something. Think about them. Then Thank them. Even if you have before. We are going to talk more about thankfulness and actually join with some of the members of the Flipping America REIA in giving thanks in just a few minutes, but first I want to get to a backlog of your questions.

    How to contact us

    www.RogerBlankenship.com. Leave a voicemail right from the home page!

    Facebook.com/flippingamericamedia

    Twitter and Instagram @FlippingAmerica

    Call our National Comment Line: 877-55-ROGER (877-557-6437) ext 1. Leave your message or your question.

    Email your questions to questions@rogerblankenship.com. Please always tell us where you are from. We like to know where the show is being heard. And let us know how you found out about us if you don't mind.

    Sponsors

    American IRA: www.americanIRA.com

    The Flipping America Buyers Club bit.ly/flippingamericabuyersclub

    Announcements:
    • The Flipping America REIA meets every Wednesday from noon to 2 and Thursday from 7-9. You can join the REIA and learn real estate investing from the comfort of your own home, or get together with a few friends and form a chapter in your area. Learn more at flippingamericareia.com.
    • Flipping America App is in the app store. You can listen to the show, read the show notes, and the entire catalog of shows is now available to you. It's a free download and there are no upsells or in-app purchases. Free to download, free to listen. Go ahead and give it a try and drop me a line and let me know what you think.
    • FlipCalcs allows you to enter one data set about a property and consider up to six deal possibilities .
    • "Real Estate Investing Quick Start" Fifteen lessons to start your real estate investing career. Study from the comfort of your own home. I give you 8 action assignments in lesson 1 and show you how to complete them while holding your feet to the fire over the next 15 lessons. bit.ly/requickstart.
    Questions
    • Carson, Plano, TX "What are a few pros and cons of out-of-state investing?"
    • Hank, Portland, OR, "Glad I found your show. I've enjoyed listening. I'm sure you've heard this a million times, but I would like to know your opinion on the best way to get started in this business.
    • Becca, Milwaukee, WI "I'm looking at a deal that just by the numbers looks like a good deal. But when I look at the house it just doesn't feel right. My boyfriend tells me I should trust the numbers but my realtor kind of agrees with me - it's just an ugly house situated on a weird lot. Am I missing an opportunity if I say no to this?
    • Sandy, Chattanooga TN, "I have an opportunity to buy a rental house in a gentrifying neighborhood just south of downtown. Although it's improving, the schools there are still terrible and crime is high. The house would yield 2% per month in rents. But I'm hesitant. Can you help me think about this?"
    • Roy, Baltimore, MD, "My partner and I have been offered six row houses - the entire block for $5,000. They are all vacant and need a lot of work, and I know there are a lot of vacant homes around. But if we controlled the entire block, it seems like we shouldn't pass it up. Our plan would be to fix them and rent them out until the neighborhood comes back, then sell. Your thoughts?"
    • Gary, Harrisburg, PA, "I was driving to Philly the other day and was surfing radio stations until I came across your show. Interesting stuff. I've been thinking about buying some rentals for side income. Can you give me some pointers on how to find something good in Harrisburg?
    • Jackie, Villages of Ocala, "My husband and I own 25 rental properties back in Michigan where we are from. We are thinking of selling them and using the money to buy similar inventory here in Florida. There's no income tax here and we think we would do better. But although we live here now, we are new here and not that familiar with property in Florida. It's hard to give up something that works for something that might work a little better. We'd like you to weigh in."
    • Lupe, Boulder, CO, "I heard you mention that you love working with Realtors. Please explain why. It seems like they get paid a lot for doing nothing. I mean, it's not that hard to list a property."
    • Bernita, Macon, GA, "Is there any way to tell whether or not you need a new roof without getting up on it? I don't want to climb on a roof."
    Motivational Quote: "Let gratitude be the pillow upon which you kneel to say your nightly prayer. And let faith be the bridge you build to overcome evil and welcome good." — Maya Angelou "I awoke this morning with devout thanksgiving for my friends, the old and the new." — Ralph Waldo Emerson "Appreciation is a wonderful thing. It makes what is excellent in others belong to us as well." — Voltaire "When you arise in the morning, give thanks for the food and for the joy of living. If you see no reason for giving thanks, the fault lies only in yourself." — Tecumseh "He is a wise man who does not grieve for the things which he has not, but rejoices for those which he has." — Epictetus "Wear gratitude like a cloak, and it will feed every corner of your life." — Rumi "We are all more blind to what we have than to what we have not." — Audre Lorde "'Thank you' is the best prayer that anyone could say. I say that one a lot. Thank you expresses extreme gratitude, humility, understanding." — Alice Walker "Gratitude unlocks the fullness of life. It turns what we have into enough, and more. It turns denial into acceptance, chaos to order, confusion to clarity. It can turn a meal into a feast, a house into a home, a stranger into a friend. Gratitude makes sense of our past, brings peace for today and creates a vision for tomorrow." — Melody Beattie

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