What does a chicken or a pig represent in your business, you ask? Kylon explains the difference between a chicken and a pig in terms of business. Now, we don’t advocate being money hungry pigs to our clients. We believe in helping our clients and not gouging them with overpriced services. We have been only calling “all pigs” in terms of those that are truly hardworking to help others. Are you just involved or truly committed in your business?

CALLING ALL PIGS!

Naomi Trower
Real Estate Broker
“Creating Financially Secure Families”
Calling All Pigs

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A foreclosure filing every 13 seconds is an astounding statistic! I just read an article in Real Estate News with these outrageous numbers. There have been 1 million new foreclosure filings across the country – all since January 2009. By the end of 2012, we are looking at a total of 9 million more foreclosure filings.

But the rest of us also pay a price, with every foreclosed home dragging down the value of the other homes in the neighborhood. Over the next three years, that means nearly $2 trillion in property values that will simply vanish, hitting tens of millions of homeowners in the wallet.

If you feel a need to help these millions of homeowners, we have partnered with Certified Financial Protection Group and are seeing incredible results for our clients. We have options for those that would like to join our loan modification team as well as for those that need a loan modification.

Dave Hershman, a national loan officer trainer, is also partnered with Certified Financial Protection Group. We recently had Dan Pinto, another huge mortgage trainer, join our loan modification team. Our next goal is to meet with President Obama and share our plan. Here are some of their client testimonials:

Client Testimonials

It is possible to halt the foreclosure sale of your property, even on the date of the sale. Through agressive negotiations and the proper presentation of a Homeowners’ hardship and financial situation, a foreclosure sale can be stopped. Lenders are willing to come to a resolution for a Homeowner even at the “11th hour” as long as the circumstances and factors for a workout solution make sense.

It seems like lenders are anxious to take possesion of a property, but that is actually quite far from the truth. It is an incredibly costly burden for a lender to take possession of a property and add it to their inventory of REO (Real Estate Owned) properties.

Be sure to learn more about our loan modification team and program to help you in your time of need.

Naomi Trower
Real Estate Broker
“Creating Financially Secure Families”
@NaomiTrower

Start Your Loan Modification

Join Our Loan Mod Team

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I must be addicted to challenges! I just finished a 12 week fitness challenge and will be joining another one on May 1st. I plan to be in a fitness challenge for the rest of this year. I also joined a 31 day blog challenge to improve my blogs with problogger.com. I’m on day 2 of 31 and I love what I’m learning.

This post is my assignment for today’s blog challenge. This is a list of passive income ideas that will give you ideas to increase your income stream. It always best to choose an area that you have a passion for so your passive passion can be any of the following ideas below…

5 Passive Income Ideas

1. vending machines
2. affiliate products
3. monthly subscriptions
4. real estate investing
5. ebay business

For more detailed information on these passive income ideas, you can read my previous post on this subject. In today’s economy, there are many people that are looking for alternative ways to earn extra income. We have had the most success with 3 of the 5 passive income ideas listed here. They are ebay, affiliate products and real estate investing.

We started to investigate vending machines and was burned by one company that never delivered the machines to our designated sites. We always recommend to do your due diligence research and narrow down your search to three options and/or quotes before choosing your ideal passive income idea. Have fun earning passive income!

Naomi Trower
Real Estate Broker
Internet Entrepreneur
“Teaching Others To Earn Passive Income”

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In today’s economy, passive income is a highly sought after concept. Is it still really possible to earn passive income in this economy? Kylon and I have been fans of Robert Kiyosaki for years and have implemented several of his passive income ideas. We do NOT suggest going after every opportunity at the same time. We initiated different passive income ideas after we established one for several years before we moved on to another one.

What is passive income? Here is the definition from Wikepedia:

Passive income is a rent received on a regular basis, with little effort required to maintain it.

Some examples of passive income are:

• Repeated regular income, earned by a sales person, generated from the payment of a product or service that must be renewed on a regular basis, in order to continue receiving its benefits – also called residual income.
• Rental from property;
• Royalties from publishing a book or from licensing a patent or other form of intellectual property;
• Earnings from internet advertisement on your websites;
• Earnings from a business that does not require direct involvement from the owner or merchant;
• Dividend and interest income from owning securities, such as stocks and bonds, are usually referred to as portfolio income, which can be considered a form of passive income;
• Pensions.

One of the key elements of an effective passive income generator is one that provides a monthly recurrence. A fee that you receive on a monthly basis is far more reliable than a fee that may be more randomly received.

Here are some more examples of passive income ideas:

vending machines
affiliate products
monthly subscriptions
real estate investing
ebay business

You will need to find what will interest you but as stated previously, it is important to find something that will generate monthly cash flow for you. Here are some examples from our lives.

1. Real Estate – we have 2 rental properties in which we receive monthly rents. We also have a monthly fee for all of our real estate agents and loan officers to hang their license under my broker’s license.

2. Ebay Business – Kylon had an ebay business where he sold designer clothes that he found at thrift stores and sold them for high profits. He made between $7,000 to $10,000 / month in years 2000 – 2002.  He was on his way to find one product and automate his systems to list it on ebay (true passive income model) but then he turned to the mortgage and real estate business and never turned back.

3. Affiliate products – the products that offer a monthly fee are the best in that you will be paid a monthly fee as long as the customer still uses the service. Marketing Burst, a site for creating landing pages is a great example of this. There are tons of affiliate products that you can promote so find what interests you and promote, promote, promote!

4. Monthly Subscriptions – ChatToText would be an example of a chat service on social profiles that charges a $6 monthly fee  and you can have residual income for spreading the word. The downside to this is that more people are leary to give their credit card info on a monthly basis.

Steps to Start Your Passive Income Generator

1. Find your passive income generator
2. Research your passive income generator
3. Strategize how you plan to market
4. Develop a business plan of action
5. Make a daily plan of free promotion strategies such as

• posting on forums
• press releases
• social media sites

Start budgeting for paid promotion strategies such as

• PPC (Pay Per Click Ad Campaigns)
• Internet Marketing Ebooks and Videos
• Radio Promotion
• Social Media PPC

I hope this information is helpful to you. I also have 2 ebooks that you can review for more detailed information:

A Guide to Passive Income

The Cycle of Wealth

Enjoy and come back and let us know what you decide to pursue!

Naomi Trower AKA
Passive Cash Gal
Real Estate Broker
Internet Entrepreneur

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Poor, Middle, Rich?

I love to read. It’s one of my favorite passions in life so much so that I read several books at the same time and finish them all! I am currently reading 3 books but I will mention the 2nd book “Secrets of the Millionaire Mind” by T. Harv Eker as I have talked about the 1st book “Think and Grow Rich” by Napoleon Hill in my two previous posts. It’s interesting to see my current mindset since I’ve been in all three mindsets; poor, middle class and rich. I find myself hovering between the middle class and the rich mindset lately although I feel that my husband is completely in the rich mindset. I’m going to give a brief summary and give you insight into my thoughts and feelings so you can know more about me and think about where you are and where you want to be in life.

17 Ways Rich People Think

1. Rich People believe – I create my life
Poor people believe – Life just happens to me.

Poor people tend to take on a victim mentality where the blame is placed on the economy, the stock market, their boss, their spouse or God. They justify and complain abput their current position. The rich believe they determine their destiny and make things happen. If you read my blog on Live Life to the Full, you will definitely know my perspective on creating my life circumstances. A perfect example that T. Harv Eker shares is a person that wins the lottery and ends up back to their original wealth amount. Their mindset wasn’t on handling wealth correctly. Donald Trump, on the other hand, had billions, lost a lot and gained it all back.

2. Rich people play the game to win
Poor people play the game not to lose

The main goal for poor people is to survive and have security. They want just enough to pay the bills. The middle class just wants to be comfortable and I find my mindset in this category at times. The main goal for rich people is to have abundance because they realize that uncomfortability creates growth.

3. Rich people are committed to being rich
Poor people just want to be rich

There are people that have negative ideas about wealth whether it be from their family history or from what they hear or experience. Here are some common fears of wealth:

The government will take most of my earnings due to high tax bracket

It’s too much work and it will affect my health

Overall feeling that money is bad

Everyone will want a handout

If I make it, I will lose it

Rich people have fears but they don’t allow their fears to keep them from their goals.

4. Rich people think big
Poor people think small

Rich people tend to think long term while poor/middle class think short term. The definition of an entrepreneur is a person who solves problem at a profit. It’s not about having a selfish attitude but having a genuine heart to help others. The more people that you help, the more you will succeed. I can honestly say that my husband and I have done really well with this principle. We have several businesses from real estate to internet businesses and our mission statement for them all involves helping other people.

5.Rich people focus on opportunities
Poor people focus on obstacles

Rich people Poor People
opportunities obstacles
potential growth potential loss
rewards risks
These are things that are habitually thought on a consistent basis. If you want to change your mindset, it will take work to transform your mind.

6. Rich people admire other rich people
Poor people resent the rich

The poor have the mindset that the rich have taken all the money and there is no opportunity for themselves. The rich, on the other hand, believe they can learn more from other rich people.

7. Rich people surround themselves around positive people
Poor people associate with negative and unsuccessful people

8. Rich people are willing to promote themselves and their value
Poor people are negative about selling and promotion

9. Rich people are bigger than their problems
Poor people are smaller than their problems

Poor people tend to complain and shrink from their problems, while the rich focus on working on a solution and overcoming it.

10. Rich people are excellent receivers
Poor people are poor receivers

Poor people believe they are not good enough or undeserving.

11. Rich people choose to get paid based on their results
Poor people choose to get paid based on their time

You’ve heard it all before; go to school, get good grades, go to college, get a good job, etc. I did all those things and was an engineer for 10 years but always felt that I was worth more than my salary. It’s amazing the high amount money I’ve made as an entrepreneur compared to working as an engineer which is a highly respected profession. The poor trade time for money and I didn’t want to do that anymore.

12. Rich people think both
Poor people think either/or

Rich people believe they can have a successful career and a close loving family, focus on their business and have fun, earn a fortune and work at something they love. Poor people believe one can have one or the other, not both.

13. Rich people focus on net worth
Poor people focus on working income

Rich people talk about net worth while poor people talk about how much they make.

Net Worth = Assets – Liabilities

14. Rich people manage their money well
Poor people mismanage their money well

10% Financial Freedom account – passive income for investment only; never spending money
10% Long Term Savings
10% Play Money – enjoy your money and spend this whole amount every month – this helps to save better
10% Education
10% Charity/Tithe
50% Necessary Expenses

I have to admit we need to do better in this area. We do really well with the charity and tithe but have never had a specific acct for our own education (except for our kid’s college fund). We’ve done well with long term savings at times but then it’s not as consistent as it should be.

15. Rich people have their money work hard for them
Poor people work hard for their money

Rich people use leverage – having other people and their money to work for them. Poor people work hard permanently while the rich work hard temporarily until their money works for them. We have several passive income businesses and definitely appreciate our money working for us. My internet business really leverages the internet to work for us. The internet is a powerful tool that has a number of ways to make money which my internet business shows you those techniques.

16. Rich people act in spite of their fears
Poor people let their fears stop them

Fear, Doubt and Worry are common to all people, however, it’s what you do with these fears that is most important.

17. Rich people constantly learn and grow
Poor people think they know everything

Take the time to consider your money blueprint. I’d be interested to hear your comments on where you believe you are today and where you’d like to be. If you want to learn more about passive income opportunities, feel free to email me.

Naomi Trower
Passive Cash Gal
Success Coach & Entrepreneur
passivecashgal@gmail.com
Change Your Mindset

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